The Why is the same - the How has changed because of AI-agents

"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. +++very much more so now becasue of AI+++

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. 

The Why is obvious.  As information and technology overflow has shortened attention spans a good service must address the customer’s contexts in comprehensive, automated and anticipating ways. As services experience is obtained from the globally best,  customers will expect the same also from the local – and if they do not deliver - reactions are to be expected from the growing impatient part of the audience. 

The solution to this was described in the Personalisation-Now project in Nordea e-banking in 1999 as “My Next Life event”.  But the technology was not there. Now it is. Mainly thanks to permissioned Block Chain, +++block chain is not the answer any more +++ Hyperledger Indy and Sovrin based solutions. +++ Now it is all about wallets - especially organisation wallets - especially in the public sector (to get businesses to see the value)+++

 A simple description of the future goes like this:

1. You (in private or employee role – there are no corporate customers – only human) are heading for your next life event (new job, buy property, apply for financing, go to the doctor, invest, establish enterprise, enter new market etc endlessly)
2. Your data-service provider (DSP) has predesigned the data-basket you need for this.  AI will dynamically add and delete elements to/from the basket. +++this now seems to become a task for AI-agents deployed directly by the yourself and your organisation - DSPs specializing in life events has not appeared+++ 
3. You empower your DSP (ideally in your e-bank = strong e-id and e-signature) to go to the relevant data storages (+++"issuers" +++. in public and private sectors) with your MyData “can opener.” +++this now increasingly a power-to-act credential issued from your wallet to an AI-agent deployed by you+++ Verification of data is a central feature but also self-claims and other softer data can be collected. The data basket (not perhaps the best term as it mostly contain links to the data needed - where-ever it resides)  for the life event is delivered.
4. Your MyData basket can also include your Powers to Act on behalf of third parties – parents, children, enterprises, organizations..) and deliver your empowerment to the receiver or other parties. 
5. The data receiver +++now verifier+++ delivers what is needed - better, faster and much cheaper

You can of course also be a robot. They also have life events and need data for them – and empowerments. A DSP can be seen as a robot – serving also a robot.

What does MyData driven services mean?

For me (and my organization): Better, faster and cheaper next-life-event designed services. Better control, privacy and security.

For the economy: Productivity boost, transparency, fair taxation etc

For enterprises: Urgent need to rethink roles – as a data provider, service provider,  service receiver, (eg procurement), recruiter, potential DSP, etc +++ meaning now need to take an organisation wallet in use for receiving and sending all sorts of data - from and to wallets used by customers, suppliers, staff, job applicants, public sector reporting and data+++

For EU: Immense opportunity to create harmonized MyData single market, make GDPR useful, drive open data model (PSD2model for all data), transparency, efficient anti-money laundering and anti-grey economy measures, an urgent need for Real Time Economy for Europe

For the Real Time Economy:  Financial Data central parts in most baskets > Boosting implementation of structured standardized data in ecosystems for e-Invoicing, e-Receipts, e-Accounting, e-VAT, e-Salary, E-taxation, Real Time Assets, E-Adress, e-ID and e-Signing etc

For Banks: Opportunity to become trust-operators in new dimensions. Banks have what is needed – trust. Society and customers should not allow them to fail in taking their responsibility. +++the need to use AI and  make the customer's ID-wallet&AI-agent duo an integral part of e-banking services becoming a top priority+++