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Location
Espoo, Finland / Oslo, Norway
Member since
2012
Writes about
Security Payments Cryptocurrency

Janne's blog archive

2021 (1) 2019 (1) 2017 (1)
Janne Jutila

Janne Jutila

Head of Business Alliances at Signicat AS
Message Message me Posts: 3 Comments: 12
Bio Business development leader and digital identity specialist Career History Background in digital identity and authentication globally, senior ICT management roles, strategy consulting, start-up companies and investment banking.

Blogs

Blockchain Observations

Competition in digital money - who will win?

11 Jun 2021

The first U.S. dollar, as it is known today, was printed in 1914 upon the creation of the Federal Reserve Bank. Since Bretton Wood conference in 1944 U.S. dollar has been the unchallenged global reserve currency with a dominating role in global trade. Before the hegemony of dollar, during previous centuries, the status of leading currency was much...

 

My identity is my money

11 Feb 2019

Dictum meum pactum “My word is my bond” was the motto for trading in London Stock Exchange since 18:th century. If you made a verbal agreement, you backed it up with your money. Something similar is conveyed in the proclamation by Dave Birch, a well-known UK payments specialist, in his book “Identity is the new money”, published in 2014. He sugge...

Innovation in Financial Services

Estcoin should happen

31 Oct 2017

If you have interest in Estcoin and crypto currencies, please check my latest blog on https://www.linkedin.com/pulse/estcoin-should-happen-janne-jutila/?published=t #estcoin #eResidency Happy to engage in further activity to speed up the launch 21st century money. Janne Jutila

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Janne is Commenting on

PSD3: An evolution of the EU payments framework and enabling Open Finance

  Good concise overview of PSD3 changes. Thank you.

27 Oct 2023 Reply Read article

Digital Wallets: Benefits of Implementation for Banks and NBFIs

  Thanks for a good blogpost. One thing left on too little notice is that in semi-closed loop wallet ecosystems with wallet-specif currency, fraud management can be much improved compared to current payment solutions. When you KYC/KYB both users and merchants + monitor transactions in real-time + control on/off -ramps to fiat currency, you can recognize and discard more fraudulent transactions and kick out bad actors.

12 Sep 2023 Reply Read article

Is centralization inevitable when making DeFi available to the masses?

  Good article. The discussion between centralized / decentralized has been too long on a technical level and should move upwards in value stack. A few further thoughs in very short format. Key drivers for centralization in "DeFi" are user/brand experience and trust, fraud management and business model logic.  Identity is a second use-case area with meaningful market adoption.

01 Aug 2023 Reply Read article

Microsoft bids to overhaul ID verification

  In response to Philip A. - the list of digital identity use-cases is in fact endless. Over time next to all transactions will be digital even when happening f2f. The solution is to separate the transaction authorization with strong authentication based on verified identity from the transaction processing. This is already happening in e.g. payments with 3DS 2.0. With separation, the transaction processing complexity is an use-case & industry specific issue.

09 Apr 2021 Reply Read article