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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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Followed by John Sims, Martha Boyle and 5 others you follow
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Bo's opinions

clear
Bo Harald

Very important feedback to the EU-commission from Findynet

Feedback on the EU Business Wallet Initiative Call for Evidence Published 4.6.2025 Technology, Release The European Commission requests feedback on the European Business Wallet initiative in a Call for Evidence for an Impact Assessment published in the ‘Have your say’ portal. By encouraging

05 June 2025 /ai /identity Artificial Intelligence and Financial Services

Bo Harald

The huge-savings curse. Part II (e-invoicing)

Like in e- and mobile banking the e-invoicing as an interconnecting-customers service was not started off as a good-for-society at large program – but for customer convenience. I still remember how customers complained that we had outsourced the keying in on ever-growing lengths of reference numbers and other payment data from branch and back-offi...

05 June 2025 /payments /retail Innovation in Financial Services

Bo Harald

It is the administrative burden, stupid.

Many of us know that SMEs and also employees in larger enterprises and the public sector complain about an ever-growing administrative burden. Much caused by nitty-gritty difficult-to-decipher regulation. This is also coming from the work to make the Single EU market real. There politicians can always blame Brussels. One way of counteracting it ...

03 June 2025 /ai /identity Innovation in Financial Services

Bo Harald

The huge-savings curse. Part I.

There is hardly a day passing by without new reports about hundreds of billions or multitrillion cost savings on their way with the Trust Infrastructure. Of course, these are in the right ballparks – and the western world for sure need them also against increasingly politically engineered cybercrime. Luckily the identity building verifiable creden...

02 June 2025 /retail /identity Innovation in Financial Services

Bo Harald

How can we interconnect the mainstreams?

I keep myself busy in what I call mainstreams: 1. The fundament. General purpose interoperable identity building verifiable (more or less strong – up to the verifier to trust) credentials – creating the Trust Infrastructure urgently needed now when cyber-crime costs start topping 10 trillion USD/year and AI making it worse. Top EU-priority an

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

Bo Harald

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

Bo Harald

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

Bo Harald

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

Bo Harald

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

Bo Harald

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

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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 (40)
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  • 2013 (16)
  • 2012 (35)
  • 2011 (70)
  • 2010 (74)
  • 2009 (85)
  • 2008 (10)

Latest groups joined by Bo

  • Electronic invoicing

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  • Transaction Banking

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Bo reads

  • Networked economy
  • Real Time Economy

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