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Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

An AI-agent asking for a payment

A company or a person you know, or his AI-agent approaches you with a payment request to an account that looks familiar. Or a card payment. Or asking your account number for a refund.. Would you like to verify that it is the on you think you know before you accept it? And in the case of the AI-agent that it is wallet-carrying and thus can prove t...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Mobey Forum 25 years

What was the original vision for Mobey Forum, and how has it evolved over time? Driving paradigm shifts: E-banking – the fundamental paradigm shift – started for our part in 1982 New ways of interconnecting customers – not only with payments, trade finance, treasury and capital markets services – but also with e-identification, e-signatures,

/ai /retail Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Begin with the End in Mind. Crystallised.

This particular End is a Trust Infrastructure where: All citizens can download – and most have - at least one general purpose identity building wallet free of charge in all EU Member states. All public sectors and progressive enterprises have installed organisation wallets and use (only) these to send and receive a wide range of verifiable data t...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

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

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

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...

/payments /retail Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

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 ...

/ai /identity Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

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...

/retail /identity Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

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...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

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

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

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...

/ai /identity Artificial Intelligence and Financial Services

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