Join the Community

24,272
Expert opinions
40,790
Total members
341
New members (last 30 days)
208
New opinions (last 30 days)
29,330
Total comments

Latest expert opinions

clear
clear
Bo Harald

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

Is all data MyData? reposted

Is all data MyData?21 December 2018211 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...

/people /identity Innovation in Financial Services

Bo Harald

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

Open letter to the EU Commission

In these dark days of brutal military aggression, it is important to find time to also look forward and discover new ways to make Europe more competitive and secure. The next phase of digitalization – the trusted data infrastructure based on Self-Sovereign Identity and MyData principles - is now an opportunity on an unprecedented scale. The impa...

/retail /identity Innovation in Financial Services

Bo Harald

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

This picture should wake up everyone

eIDAS2 is a fundamental step forward. It is building on MyData principles and the legal right for EUcitizens to get their data into practical use. One of the key elements is the no-need-for-technical-integration depicted below. Still there may be some countries that see the wallets only an identification tools - instead of builders of identity for ...

/payments /identity Innovation in Financial Services

Bo Harald

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

You need ladders to get to next level

First about the ladders & platform metafora. Ladders have steps - new services that make it possible and interesting to take the next step. The rails can be made strong by using materials like trust, habit, generic tools, convenience for builders and users, productivity improvements, security, legislation, economy of scale, economy of scope et...

/retail /identity Innovation in Financial Services

Bo Harald

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

Public-private not-for-profit network for verified data needed in all countries

Why, how and what described in the somewhat busy picture below. It works well as animated and walked through. But I will try with some brief points here: Why? The goal is to remove friction from the economy. Friction caused by paper, not real-time, lack of trust in counterparts and data, unstandardized data, need to search for data from many source...

/retail /identity Blockchain in Banking and Financial Services

Bo Harald

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

Churchill already knew

"It is a mistake to look too far ahead. Only one link in the chain of destiny can be handled at a time." Winston Churchill. So much time is used for describing the splendid future with Artificial Intelligence that there is not enough time to tell the man on the street what can and should be taken into use already today - and are necessary...

/payments /retail Disruption in Retail Banking

Bo Harald

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

Very short Hard Talk

Such a no brainer that governments should work harder to get banks to expand the offerings only they can deliver cost-efficiently and securely. Starting from e-ID and e-invoices. In the Nordics it happened. Next banking 3.0 - for the data driven economy. https://asiapaymentsconnect.com

/payments /retail Innovation in Financial Services

Bo Harald

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

The longest and most valuable digiladder I know of

When I think about my own role (smaller than some say) in driving the Nordic digital mission – good for society at large - starting in banking and now aiming at verifying and connecting all data to life events and automation – there are some observations that may be relevant also from here forward. 1. Everything is based on teamwork – in constantl...

/payments /inclusion Innovation in Financial Services

Bo Harald

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

Four Narratives

It is no secret that a fundamental change has started - the migration to a data-driven economy. Why this should be speeded up is obvious - everyone stands to benefit: from much better services when any citizen can authorise connecting MyData and Big Data to life events (at home and at work), from costs being automated away in all adminstrative and...

Artificial Intelligence and Financial Services

Bo Harald

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

Entering 2020

2019 was not - mildly speaking - the best of recent years. Global warming - also manifested by ongoing horrible fires in Australia - advanced, democracy was weakened in many western countries by irresponsible populists, the vision of a globally strong single market Europe took a setback with Brexit and Russian military agression and persecution of...

/sustainable After hours

Now Hiring