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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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Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
This is the interoperable EUDIW. EUBWs for SMEs should follow soonest. Lissi wrote: "The Sparkassen-Finanzgruppe has officially announced its plan to become a provider of a certified EUDI Wallet, integrating it directly into their main banking app. This is a huge step forward and a powerful signal for the entire market. As the first major Ger...
18 October 2025 /retail /identity
1. The Core – You-controlled data This is the data you receive into your wallet - making the MyData make-it-happen mission real: official credentials (ID, diploma, driver’s licence, tax number, company roles, etc.), verifiable credentials from other issuers you decide to trust (skills, power of attorneys, e-receipts, IBAN-credentials etc..) cred...
15 October 2025 /security /identity
I asked Gemini: The consensus among experts suggests that while the European Digital Identity Wallet (EUDI) is built on the principles and core technologies of Self-Sovereign Identity (SSI), its structured and regulated framework is likely to make it more user-friendly and lead to greater adoption than a "pure" SSI implementation. Here
14 October 2025 /wealth /identity
It means that there will not be a critical mass of credentials available for wallets. This means that wallets will seldom be used and the attention both by organisations and citizens will move elsewhere. In EU it means that the drive for the Trust Infrastructure and its citizen and organisation wallets – also as the fundament for AI-agentics - may...
11 October 2025 /ai /identity
Alex Kreger Founder and CEO at UXDA Financial UX Design
If users can’t easily find, trust, use, and enjoy your digital banking or fintech service, you’re already behind. We’ve seen financial institutions invest millions and spend years developing a “killer app,” only to treat it as a technical deliverable instead of a living customer relationship. In finance, success is decided in seconds—a quick glan
10 October 2025 /retail /devops
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
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
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
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