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

The Stockmarket is not the economy

The stockmarket is not the economy, as the old investing cliché goes. Snippets from the Economist’s Free Exchange included here. “That is obvious enough to anyone paying attention in America this year.” President Donald Trump’s tariff fervour has dented growth - and yet the stockmarket has soared: up by nearly 15% so far this year… But does the st...

1 hour /wealth /retail Transaction Banking

Credit risks and costs – and how the tide may be turning

Travelling offers time to read — and Buttonwood’s Into Thin Air column in The Economist, reflecting on receivables risks and fraud - reminded me of questions I have asked for decades. It all started when I was a young banker listening to a Helsinki taxi owner complain that my bank offered him a more expensive car loan than the car dealer. As i

7 hours /regulation /retail Financial Supply Chain

OpenAI versus ClosedAI

Snippets from ClosedAI – by Schumpeter in the Economist - followed byt ChatGPT's take on it: OpenAI to buy perhaps $10bn-worth of custom AI chips from Broadcom. Adding $200bn to Broadcom’s market value.. OpenAI revealed that Nvidia, Broadcom’s larger rival, would invest up to $100bn in it over several years while selling it graphics-processing un...

23 October 2025 /ai /predictions Innovation in Financial Services

From Chaos to Trust

Many of us - especielly in older generations - experience today’s digital world as chaotic — and what’s coming next with accelerating speed - can feel downright mind-spinning. Many feel that they have lost their sense of control, constantly resetting passwords and struggling to remember how each service works. Every site, app, and platform seems ...

23 October 2025 /inclusion /identity Innovation in Financial Services

All the way to personal robots

Here’s your text translated into English — natural, clear, but keeping your original tone and nuance intact: As this journey has offered time to read and discuss the layers of the trust infrastructure, I feel a need to summarize and speculate on how high these ladders (each verifiable credential being a habit-forming r...

21 October 2025 /ai /identity Open Innovation Ecosystem

Regulate the Public Sector

EU is "good" at regulating the private sectors. But not brave enough to regulate the public sector? To drive all parts of it to take organisation wallets in use without delay (from the markets - not wasting money on building) to be able to get a meaningful mass of credential streams to citizen, SME and own wallets. And for all to use ...

20 October 2025 /regulation /identity Innovation in Financial Services

Parallel paths needed

Several parallel paths to Trust Infrastructure 3.0. are needed. One after the other is too slow. The starting point is that organisations, citizens and many things need to get and send verifiable credentials of all sorts (in addition to also x-border identification) in business and life events. For that they need to take in use interoperabl...

19 October 2025 /ai /identity Innovation in Financial Services

Sparkassen showing the way for wallets in e-banking

This is the interoperable EUDIW. EUBWs for SMEs should follow soonest. Lissi wrote: "The Sparkassen-Finanzgruppe has officially announced its plan to become a provider of a certified EUDI Wallet, integrating it directly into their main banking app. This is a huge step forward and a powerful signal for the entire market. As the first major Ger...

18 October 2025 /retail /identity Innovation in Financial Services

Two Circles of Privacy

1. The Core – You-controlled data This is the data you receive into your wallet - making the MyData make-it-happen mission real: official credentials (ID, diploma, driver’s licence, tax number, company roles, etc.), verifiable credentials from other issuers you decide to trust (skills, power of attorneys, e-receipts, IBAN-credentials etc..) cred...

15 October 2025 /security /identity Innovation in Financial Services

Better user experience with EUDI - versus pure SSI

I asked Gemini: The consensus among experts suggests that while the European Digital Identity Wallet (EUDI) is built on the principles and core technologies of Self-Sovereign Identity (SSI), its structured and regulated framework is likely to make it more user-friendly and lead to greater adoption than a "pure" SSI implementation. Here

14 October 2025 /wealth /identity Innovation in Financial Services