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Bo Harald

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

AI bringing a 20-30% GDP growth per year or 1-2% over a decade?

The debate around AI’s economic impact has rarely been so polarized: some Silicon Valley optimists predict 20–30% annual GDP growth, while Daron Acemoglu foresee no more than 1–2% growth over a decade. The Economist’s article “Eureka All Day Long” captures this schism—but leaves open many questions around how we calculate systemic change. Reflectin...

/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,

Two Paradigm Shifts: Trust Infrastructure and AI-Agentics

For the past seven years, I have been advocating for faster adoption of organisation wallets to enable verifiable credentials to start streaming through the European Trust Infrastructure (TI). Much of this has been in support of the public–private not-for-profit Findynet co-operative in Finland, and as a co-founder or active contributor in initia...

/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,

What should I do next?

I first asked ChatGPT to describe me. My modesty forbids me to share the glowing terms in an astonishingly thorough description. Then I asked what I should do next. ChatGPT said: "Great question — and fitting, given Bo Harald's long-standing role in driving digital trust, identity, and economic infrastructure forward in Finland and Eu...

/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,

To the point about AI-agents needing verifiable credentials

Jamie Smith always worth reading: " Despite the froth, something deeper is happening. While the early numbers might be unimpressive, the broader shift is unmistakable. AI Agent systems are starting to appear across every layer of business, and investors are betting on consumer applications for everyday life. The real question isn’t whether 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,

What I missed in Geneva..

GDC25 was a successful milestone gathering. Here’s what I hope will be addressed more visibly going forward: 1. Stronger EU Member State Leadership on Organisation Wallets What I missed most was a more visible and vocal commitment from EU Member State governments — especially in enabling simple, high-impact credential flows through widely avai...

/ai /identity Innovation in Financial Services

Bo Harald

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

Impressions from Global Digital Collaboration 2025

There can be no doubt: bringing together driving authorities, generalists, and domain experts from many fields proved both eye-opening and energising — and must continue. Especially now, as AI development accelerates at breakneck speed, it is essential to ensure that those deeply immersed in it don’t lose sight of a critical foundation: Trust and ...

/ai /identity Innovation in Financial Services

Bo Harald

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

Reading books - rather than writing a book

I have been asked a good number of times if I am going to write a book about my rather long management and start-up experience when driving digitalisation. But then, the now rolling out migration to the EU Trust Infrastructure. - now with focus on Business wallets - is so extraordinarily important and interesting must-have ladder also to the next p...

/ai /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 European Commission, Member States and beyond

Accelerating the EU-wide Trust Infrastructure The development of an EU-wide Trust Infrastructure (TI) is gaining momentum on several fronts. The most significant advancement is the Commission’s recognition that business wallets (EUBW) will become the cornerstone for both conducting business and interacting seamlessly with all levels of public admi...

/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,

Are we trying to cook the ocean?

I have been busy promoting verifiable data from and to identity building wallet applications for soon ten years. Progress has been too slow – despite the drawings made by Trust over IP and Self-sovereign Identity – and actions by the EU-commission. When the AI-boom came I became worried that it will steal too much of the Trust Infrastructure atte...

/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,

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

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