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

View Bo Harald's full profile

Bo's opinions

Is all data My Data?

Reposting from 2019. All data is somebody's data. Not really owned - but somebody is having the often exclusive right to use it. Sometimes alone, sometimes together, sometimes the right to alter and delete it, sometimes no right to change or delete it. What will happen next - when GDPR is a strong foundation and MyData.org - the global movement (n...

09 March 2025 /ai /identity

EU, UK and India hand in hand with organisation wallets

V Parthasarathi has written very clearly about the path forward in his LinkedIn post. Noting that wallets for citizens are in various stages of rollouts in 100+ countries. I have for my part noticed that India has been moving resolutely forward already for some time. Now the the question is how much we in Europe could learn, possibly con

02 March 2025 /ai /identity Innovation in Financial Services

In Germany 84.7 billion euros is a lot of money.

84.7 billion euros is a lot of money. Especially as this cost saving is just about supplier data management in the enterprises. In Germany... Table here: https://www.linkedin.com/posts/bo-harald-4768b51_847-billion-euros-is-a-lot-of-money-especially-activity-7301276133528944642-U6by?utm_source=share&utm_medium=member_desktop&rcm=ACoAAABPj1...

28 February 2025 /ai /identity Innovation in Financial Services

I asked Grok about my own contributions

What has Bo Harald written about in Finextra? Bo Harald has been a prolific contributor to Finextra, a leading financial technology community platform, where he has written extensively on topics related to fintech, digital identity, banking innovation, and economic trends over the years. His articles often reflect his deep experience in electron...

28 February 2025 /ai /payments Innovation in Financial Services

The ice-hockey effect now with organisation wallets

Most of use here have seen how nothing much happens - even if it should - then nothing much happens, then nothing much happens, then nothing much.. and then all of a sudden the burst of adoption. For my part in e-banking starting in the early 80s, e-mail, mobile phones, SMS-messaging, mobile banking, e-id-services, e-invoicing, e-salary, mobile ...

27 February 2025 /ai /identity Innovation in Financial Services

A lively mixed search on the dance floor is about to begin

The shiny new parquet of the data dance floor – the EU's trust infrastructure – is now extensively exciting. A large group of enthusiastic, well-groomed women and men have pedaled to the dance hall on tandem bikes. Many of them work in the public sector and many in the traditionally trust building banking sector. They have all seen that the front...

24 February 2025 /ai /identity Innovation in Financial Services

How often should you doubt?

If the person or organization, you encounter on the net is the one she/he/it claims to be? If the person – once recognized - has the right to act on behalf of an organization or another person? If a certificate, statement, permission, power of attorney the person or a robot present is real and still valid? If your own data can be sent to a service ...

20 February 2025 /retail /identity Innovation in Financial Services

Reposting e-invoicing letter to Santa.. should write him about wallets next..

Europe 17.12.2008 Dear Santa, We have been really nice, technology-neutral and hardworking Experts this year and look forward to You bringing us a few presents to play around with in 2009. The first wish is a book - more precisely a handbook. We namely wrote a letter to the EU Commission in July and asked for Equal Treatment of paper and e-invo...

18 February 2025 /payments /retail Innovation in Financial Services

Crossing borders - with a bicycle made for two

The bicycle-made-for-two (employer and employee) is the Trust Infrastructure with credentials in wallets for both the employee and for her/his employer. In this successful case lead by Finnish Tax and supported by Findynet and used in EWC where Bosch opened a bank account from Germany in Finland. Goes as follows: Bosch employee has wallet and asks...

04 February 2025 /ai /identity Innovation in Financial Services

Leadership by Ursula von der Leyen

I am for my part delighted to see EU finally coming out with force with the prioritisation of organisation wallets. https://www.linkedin.com/posts/bo-harald-4768b51_omnisecure-europeanbusinesswallet-eubusinesswallet-activity-7291423903053209601-nXFt?utm_source=share&utm_medium=member_desktop The very precondition to get cross-sector and panEU&...

01 February 2025 /ai /identity Innovation in Financial Services

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