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Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Bo Harald

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

What does my enterprise expect from my bank in the General Purpose interoperable Wallet Era

First of all I expect the bank to be a Trust Infrastructure leader and realise its responsibility for Society at Large. To take the practical steps needed so that the immense improvements in productivity, service levels, security, risk management, privacy and for EUs part the Single markets are delivered without hesitation and delays. The EU legis...

/retail /identity

Retired Member

Retired Member 

Is Compliance Automation the Possible Solution to Europe Over-Regulation?

The Gloomy Outlook for the European Economy The EU economy is facing long-term troubles, a consensus recently echoed by the media and European politicians. Following GDP growth of just 0.3% in 2023, the EU’s annual GDP growth for 2024 continues to struggle between 0.2% and 0.4%, on the edge of a recession. Compared to the 2.5% GDP growth in the

/ai /startups

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

How Fintechs Build Digital Brands to Conquer the Banking Industry

The financial industry is witnessing a seismic shift. Fintech companies, once considered fringe players, are now storming the gates of traditional banking institutions. They are not just nibbling at the edges but are capturing millions of customers in a matter of years—a feat that took incumbent banks decades to achieve. The secret weapon? A holis...

/retail /identity

Amr Adawi

Amr Adawi Co-Founder and CEO at MetaWealth

Unlocking Real Estate: How Tokenisation is Democratising Property Investment

Traditionally, real estate has been primarily accessible to wealthy investors. Investing in properties requires substantial expertise, and significant upfront capital - placing it out of reach for many. Fortunately, new investment models powered by tokenisation are reshaping this landscape and lowering barriers to entry. Tokenisation is the proces...

/inclusion /crypto

Bo Harald

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

AI horror stories need to be addressed

There should be no doubt that AI will be central for improving also EU competitiveness. But there are many horror stories around that may hinder uptake. Like AI knowing more about your inner self than you ever can - and will use this for commercial reasons and even against your interest (no use to try to pretend anything - or maybe you should ask...

/retail /identity

Bo Harald

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

Making x-border business easier - with organisation wallets

EWC is in my book the most important of the EU Trust Infastructure large scale implementation pilots. It (i) demonstrates how useful the infra will be for enterprises, their staff and the public sector, (ii) speeds up adoption of organisation wallets. 25 (incl Microsoft's) already available according to FIDES: https://www.linkedin.com/posts/bo-ha...

/retail /identity

Bo Harald

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

Begin with the end in mind

The work on implementing the Trust Infrastructure in Europe is now going into high gear. Today’s Open Wallet Foundation and Findynet meetings and last weeks FIDES Plugfest - just to mention a few - show that the progress is real. The benefits for Society at large, every citizen and organisation have from the outset made it clear that remaining issu...

/retail /identity

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Emotional AI in Banking: Next-Gen Personalization or Privacy Killer?

Banks have always been at the forefront of data collection. With advancements in artificial intelligence (AI) and emotional analytics, banks are poised to leverage this wealth of data to detect and respond to customers' emotional states, ushering in a new era of personalized banking experiences. This development has the potential to revolutionize ...

/ai /retail

Teo Blidarus

Teo Blidarus CEO and Co-Founder at FintechOS

Agentic AI: The Competitive Edge Finance and Insurance Companies Need to Stay Ahead

Agentic AI - technology that autonomously achieves user-set goals - isn't just an advancement; it's a necessary evolution for firms looking to stay competitive amidst constantly shifting industry standards. Unlike traditional AI, which requires human intervention, agentic AI adapts independently, processing real-time data to drive optimal outcomes...

/ai /retail

Mouloukou Sanoh

Mouloukou Sanoh CEO and Co-Founder at MANSA

How Stablecoins are Revolutionising the Future of Payments

The cross-border payments business continues to boom - and there’s no sign of a slowdown. The industry had a total market size of $190.1 trillion in 2023 and is expected to grow by 8.81% annually, reaching $290 trillion by 2030. Yet despite these impressive figures, fundamental challenges remain that need to be addressed to help those who rely...

/payments /crypto

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