Latest opinions that Bo Harald has shared on Finextra

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Bo Harald

Chairman/Founding member, board member

Trust Infra for Real Time Economy Prgrm & MyData,

Member since

04 Nov 2008

Location

Helsinki Region

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Bo's opinions

Without organisation wallets not much will happen for citizens - and not enough for AI-agents

Key takeaways from the Netherlands Regulatory Backbone — EUBW supports eIDAS 2.0, GDPR, CSRD, and data space frameworks, ensuring verifiable business identities and access control. Cybersecurity & Cyber Warfare Resilience — Strengthens Zero Trust security, mitigating risks of fraud, identity theft, and cyber warfare attacks on critical infras...

08 August 2025 /retail /identity Artificial Intelligence and Financial Services

Original rambling story telling here ...ChatGDP shortened and improved it in the previous post

AI-impact: 20-30% GDP growth a year or no more than 1-2% over 10 years? Quite a difference between the Silicon Valley evangelists and the pessimistic Daron Acemoglu as descibed in the Economist’s “Eureka all day long”. A very useful article indeed – that naturally has more questions than answers. To try to clear my thoughts I worked through my ow...

07 August 2025 /ai /identity Innovation in Financial Services

AI bringing a 20-30% GDP growth per year or 1-2% over a decade?

The debate around AI’s economic impact has rarely been so polarized: some Silicon Valley optimists predict 20–30% annual GDP growth, while Daron Acemoglu foresee no more than 1–2% growth over a decade. The Economist’s article “Eureka All Day Long” captures this schism—but leaves open many questions around how we calculate systemic change. Reflectin...

07 August 2025 /ai /identity Artificial Intelligence and Financial Services

Two Paradigm Shifts: Trust Infrastructure and AI-Agentics

For the past seven years, I have been advocating for faster adoption of organisation wallets to enable verifiable credentials to start streaming through the European Trust Infrastructure (TI). Much of this has been in support of the public–private not-for-profit Findynet co-operative in Finland, and as a co-founder or active contributor in initia...

30 July 2025 /ai /identity Artificial Intelligence and Financial Services

What should I do next?

I first asked ChatGPT to describe me. My modesty forbids me to share the glowing terms in an astonishingly thorough description. Then I asked what I should do next. ChatGPT said: "Great question — and fitting, given Bo Harald's long-standing role in driving digital trust, identity, and economic infrastructure forward in Finland and Eu...

28 July 2025 /ai /identity Artificial Intelligence and Financial Services

Should verifiable data be mandatory for LLMs?

Yes (ChatGPT agrees with me..) — it is very much planned and already in progress that large language models (LLMs) will use verifiable data (e.g., Verifiable Credentials, or VCs) when available. This is a key area of development at the intersection of AI and digital trust infrastructure. 🔍 What does this mean? LLMs are powerful at text generation...

25 July 2025 /ai /identity Artificial Intelligence and Financial Services

To the point about AI-agents needing verifiable credentials

Jamie Smith always worth reading: " Despite the froth, something deeper is happening. While the early numbers might be unimpressive, the broader shift is unmistakable. AI Agent systems are starting to appear across every layer of business, and investors are betting on consumer applications for everyday life. The real question isn’t whether t...

07 July 2025 /ai /identity Artificial Intelligence and Financial Services

What I missed in Geneva..

GDC25 was a successful milestone gathering. Here’s what I hope will be addressed more visibly going forward: 1. Stronger EU Member State Leadership on Organisation Wallets What I missed most was a more visible and vocal commitment from EU Member State governments — especially in enabling simple, high-impact credential flows through widely avai...

05 July 2025 /ai /identity Innovation in Financial Services

Impressions from Global Digital Collaboration 2025

There can be no doubt: bringing together driving authorities, generalists, and domain experts from many fields proved both eye-opening and energising — and must continue. Especially now, as AI development accelerates at breakneck speed, it is essential to ensure that those deeply immersed in it don’t lose sight of a critical foundation: Trust and ...

03 July 2025 /ai /identity Innovation in Financial Services

Reading books - rather than writing a book

I have been asked a good number of times if I am going to write a book about my rather long management and start-up experience when driving digitalisation. But then, the now rolling out migration to the EU Trust Infrastructure. - now with focus on Business wallets - is so extraordinarily important and interesting must-have ladder also to the next p...

30 June 2025 /ai /identity Innovation in Financial Services

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