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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
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Stanley Epstein Associate at Citadel Advantage Group
Where Technology, Trust, and Transformation Collide. The financial technology landscape in late 2025 is both exhilarating and daunting. Once the scrappy upstart of global finance, fintech has matured into a multi-trillion-dollar ecosystem shaping how individuals, companies, and governments move, manage, and multiply money. A decade ago, innovation...
09 October 2025
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
When we roll-out e-banking starting in 1982 at Union Bank of Finland I used to underline that innovation progresses when the next customer takes it in use – on the way to a critical mass of users. Otherwise it will stay as an invention. The key to our success was that - then a wide network of branches - competed with personal selling – pushing e-b...
08 October 2025 /retail /inclusion
It does not have to be an uphill struggle There’s a lot of scepticism around the claim that data flows – between organisation and citizen wallets – will make life and business dramatically easier. People worry that user experience will be poor, that regulation – especially in EU - will complicate things further, and that older citizens will simply ...
07 October 2025 /ai /identity
Alex Kreger Founder and CEO at UXDA Financial UX Design
For decades, banks have measured success by the number of products they distribute — accounts, cards, loans, mortgages — scaled across as many customers as possible. But in today’s digital-first world, people don’t need more separate generic financial products. They need personalized user journeys that embed into their lives and businesses. The n
29 September 2025 /ai /retail
Very good work by https://www.linkedin.com/company/go-eidas-ev/posts/?feedView=all. Emphasis mine and my comments at +++.Go-EIDAS invites you to expand further. “Within the recent launch of the Competitiveness Compass for the EU the European Commission announced its plan to augment the existing legislation around digital identity and t...
22 September 2025 /regulation /identity
My points in Open Wallet Foundation work: 1. The mission is to get verifiable data to business and life events from all needed public and private sources without need for technical integrations and contracts between the parties. 2. For that we need interoperable general-purpose wallets/agents. OWF SIG task to map interoperability. 3....
20 September 2025 /ai /identity
Retired Member
The financial services sector is changing faster than ever. Open banking regulations, digital currencies, and inclusive finance initiatives are reshaping how money moves. Yet one recurring obstacle remains: how to translate promising solutions into live, trusted systems at scale. The answer lies not in technology alone but in the structure of the ...
19 September 2025 /people
Amr Adawi Co-Founder and CEO at MetaWealth
When the Monetary Authority of Singapore (MAS) launched Project Guardian in 2022, the goal was clear: test whether tokenization could deliver measurable improvements in efficiency, liquidity and transparency across capital markets. Three years on, the initiative has expanded into a global network of more than 40 institutions and regulators, produc...
16 September 2025 /regulation /wealth
I am repeating myself. But as AI-agents are mildly speaking hot - but not specifically mentioned by EUDI2 it should be lifted up that it - and especially its organisation wallets (EUBW) - ALSO provide the rails that make AI-agent deployment possible and legally meaningful. Here’s how EUDI2 supports AI-agents in practice: 1. Trusted Ide
07 September 2025 /ai /identity
It took some time to get the focus to organisation wallets - even if that should have been the starting point. Otherwise citizens wallets cannot get the critical mass of credentials needeed. Now - finallly - EU is driving the Business Wallet forcefully. This has led to many asking if the public sectors will not eat the dog-food Brussels is servin...
06 September 2025 /ai /identity
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