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

We seem to have a wide consensus

Judging from the discussion I follow on LinkedIn we seem to have a wide consensus that: 1. AI-agents will be bring a new - even underhyped - level of productivity and convenience at work and at home 2. To employ, empower and steer them we need verifiable credentials 3. To get verifiable credentials flowing we need interoperable general purpose or...

16 May 2025 /ai /identity Artificial Intelligence and Financial Services

The new urgency - are banks prepared?

EU has been developing a digital trust infrastructure to support the data-driven economy for many years. Initially focused on enabling digital identification for citizens—especially needed in countries without BankID as infrastructure. The initiative then evolved into something far more transformative. It is now very clear that this infrastructu

10 May 2025 /ai /identity Artificial Intelligence and Financial Services

Germany taking the organisation wallet-for-AI lead and Denmark speeding up citizen wallets

It is probably self-evident by now that the EU trust infrastructure is going to be the fundament not only for productivity, security, business and life event services, MyData privacy and a real Single Market - but also that ID-wallets and AI-agents together is the obvious next AI-step. The German coalition agreement is driving it: “The agreement...

08 May 2025 /ai /identity Artificial Intelligence and Financial Services

It is better to build from the ground up. Actually the only way...

If you have followed the input from AI-experts on LinkedIN and asked AI itself - you will have noticed that there is already a consensus that identity-building verifiable credentials to and from IDwallets are a precondition for successful AI-agentic employment and empowerment. The most important statement now came from the coalition agreement in G...

06 May 2025 /ai /identity Artificial Intelligence and Financial Services

Soft minds with hard shells - the innovative way forward

I listened to an eminent presentation of the reasons why rigid systems are not enabling adopting to fast changing circumstances and needs in businesses, the public sectors and at home. For that we need the AI-agents - rapidly become capable of seeing the unseen opportunities and locate the data needed in business and life events - increasingly as ...

27 April 2025 /ai /identity Artificial Intelligence and Financial Services

It is not a good idea to focus on everything

The world needs sound and strong political leadership more than ever before. For European leaders it means to: 1. Defend Ukraines freedom and once and for all stop Russian imperialism. 2. Take strong global actions against global warming. 3. Raise se the EU competitiveness and security by using the Trust infrastructure as a fundament for taking...

26 April 2025 /ai /identity Artificial Intelligence and Financial Services

ID-wallets and AI-agents together. No-brainer by now?

My posts listed below probably describe the sun rising (a lot of repetition of course). The point being that ID-wallets are needed for security, trust, speedy adoption and getting legally binding deals - that only legal and natural persons can do. Newest on top. https://www.finextra.com/blogposting/28398/it-is-better-to-build-from-the-ground-up-act...

22 April 2025 /ai /identity Innovation in Financial Services

ID-wallets integrating AI-agents - or the other way around?

Both directions are being explored right now, but they lead to slightly different futures. 🧠 1. ID Wallets Integrating AI Agents This means the wallet is the core product, and AI agents are embedded within it to assist the user. 📌 Examples: An AI assistant inside your digital ID wallet helps you decide which credentials to share

17 April 2025 /ai /identity Innovation in Financial Services

ChatGPT beats me - hands down

Certainly improved my "Why AI Agents Should Have Identity Wallets" As AI agents become more integrated into workflows, services, and digital infrastructures, their trustworthiness and interoperability become critical. Identity wallets are the key to ensuring both. AI agents are of limited utility unless they can: Be trusted through veri...

15 April 2025 /ai /identity Innovation in Financial Services

Paradigm shifts with mobile devices

Mobey Forum was founded 25 years ago. We had a planning meeting today for the founders' panel discussion at the meeting hosted by UBS in Zurich in June. My input: In year 2000 we were working for a paradigm shift in banking – a joint effort between leading banks, VISA, Nokia, Ericsson, Motorola and many others to take payments and other e-bankin...