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24 Results from 2018

Bo Harald

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

Questions on the long journey to the Fintech future at large - updated version

Summarizing milestones - my own experience mostly based on Fintech in Finland. (Union Bank of Finland>Merita Bank>MeritaNordbanken>Nordea Bank, Mobey Forum, Visa Advisory board, EU Expert Groups, Real Time Economy Program, Tieto, MyData etc): 1950s - Strong emphasis on payment standardization and four corner models > competition

Digital Banking Trends

Bo Harald

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

Learn once - use everywhere - huge lever

Economy of Repetition has for long been a huge lever when it comes to speed up adoption of new services. A familiar and often used tool is what customers and citizens at large have the right to expect. We experienced this when actors in both the public and private sectors started to use e-banking login-tool-based e-id services. Now this is omnipres...

Digital Banking Trends

Bo Harald

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

MyData driven service development - what is it and what does it mean?

For quite some time it has been clear that data is the new oil (not the best term - as oil is consumed while data improves when used) and trust the new currency. The opportunities to improve services and productivity by new levels of AI are immense. But how the next phase should play out concretely and how soon has to many been shrouded in mystery...

/ai Digital Banking Trends

Bo Harald

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

Do not fall in love with the solution..

Fall in love with the problem. For example: 1. Too low productivity In a global open economy it is obvious that innovations for better productivity (which also mean better service) are needed. The data driven networked economy is opening up new opportunities on an expontial scale. PSD2 has been showing the direction for all sectors. By standardi...

/ai Digital Banking Trends

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