Finextra Research
Sign in
Sign up
  • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
Sign in
Sign up
  • News
    • Back
    • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • Back
    • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Back
    • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
  • payments
  • markets
  • retail
  • wholesale
  • wealth
  • regulation
  • crime
  • crypto
  • sustainable
  • startups
  • devops
  • identity
  • security
  • cloud
  • ai

Community

  • Your feed
  • Latest expert opinions
  • Groups

Join the Community

23,493
Expert opinions
41,329
Total members
335
New members (last 30 days)
176
New opinions (last 30 days)
29,138
Total comments
Join Sign in
Follow Unfollow

Bo Harald

Chairman/Founding member, board member
Trust Infra for Real Time Economy Prgrm & MyData,
Member since
04 Nov 2008
Location
Helsinki Region
Followers
19
Following
0
Opinions
534
Long reads
0
Followed by John Sims, Martha Boyle and 5 others you follow
View Bo Harald's full profile

Bo's opinions

clear
Bo Harald

New innovation road block

Innovations happen only when the next individual changes her/his behavior to the new. In the IoT-world it is of course easier to make things move to automated e-interaction - but we still need to keep nudging - even pushing citizens into better solutions. In the past I was occasionally frustrated by the too large groups of stubborn "We will ne...

25 April 2016 Innovation in Financial Services

Bo Harald

Socio-technical landscape revisited

Wrote most of this in 2009..some adjustments made. Are we doing the right things in the right order? Maybe not… at least not often enough. The socio-technical landscape has changed so fast and we are still prisoners of quarterly capitalism (trying to create value for shareholders now staying for an average of 10 months), corporate governance model...

15 April 2016 /retail Innovation in Financial Services

Bo Harald

Pillars of banking - old and new

Posted this in 2012 - most aspects still valid - in a frantic world: The first and main pillar of banking is trust. It can be built and maintained by sticking to moderate risk taking – both in lending and recommending invest “products” – reputation building. Trust improves customer retention – even when new entrants try to enter markets with of...

10 April 2016 Innovation in Financial Services

Bo Harald

Deutsche Bank CEO promises 10 more years for cash

The Deutsche Bank CEO stated that cash will disappear during the next 10 years. Why does it have to have to take so long? Take the opportunity to repost this from 2008: "EU published some figures on cost of handling cash - 50bn per year - and the consumer pays every cent of it - without knowing how much we would all save by keeping money in d...

24 January 2016 /payments Innovation in Financial Services

Bo Harald

Privacy in Memorial

We all remember how delighted we were when the newborn Google was praised as a "database of intentions" which it of course was and is - on a scale that we could not imagine then. With Facebook now having 510 million visits a day! by 1,5 bn signed up, Whats Up at 0,9bn, Instagram at 0,4bn, Twitter at 0,3bn and any number of Tripadvisors a...

23 January 2016 Electronic invoicing

Bo Harald

Why does it take so long?

E-id as a bank service has been in place for soon 20-years in Finland and it serves especially well the public sector where strong e-id is often needed - but with low usage intensity. This means that a separate tool is both expensive and difficult to remember for users. Several other countries have taken the same route. But most have not - yet. W...

19 January 2016 /retail Innovation in Financial Services

Bo Harald

Experience from a small country

Small countries have many disadvantages - small home markets, small languages, smaller skill pools and smaller resources - to mention a few. But they also have advantages - better opportunities for networking, smaller vested interest groups, better public-private co-operation, better agility - that they can benefit from - subject of course to havi...

11 January 2016 /payments /retail Innovation in Financial Services

  • 1
  • 2

Bo writes about

  • artificial intelligence
  • security
  • payments
  • regulation & compliance
  • people
  • wealth management
  • retail banking
  • wholesale banking
  • sustainable
  • financial inclusion
  • identity
  • financial crime
  • predictions

Bo's opinion archive

  • 2025 (49)
  • 2024 (31)
  • 2023 (13)
  • 2022 (10)
  • 2020 (6)
  • 2019 (14)
  • 2018 (24)
  • 2017 (15)
  • 2016 (16)
  • 2015 (13)
  • 2014 (17)
  • 2013 (16)
  • 2012 (35)
  • 2011 (70)
  • 2010 (74)
  • 2009 (85)
  • 2008 (10)

Latest groups joined by Bo

  • Electronic invoicing

  • Whatever...

  • Transaction Banking

See all groups joined

Bo reads

  • Networked economy
  • Real Time Economy

Welcome to Finextra. We use cookies to help us to deliver our services. You may change your preferences at our Cookie Centre.

Please read our Privacy Policy.

Accept
Finextra

Finextra

  • About

Community

  • Rules
  • Contact the community team

News

  • Guidance
  • Contact the news desk

Sales

  • Media pack
  • Contact the sales team

Get involved

  • Finextra Live@
  • Webinars
  • Finextra TV
  • Research
  • Finextra.jobs

Events

  • Sustainable Finance Live
  • NextGen Nordics
  • EBAday
  • NextGen:AI
Join the community Register for news alerts
Apple App Store Google App Store

© Finextra Research 2025

Terms of usePrivacy PolicyCookie Centre