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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,

Also the Product Passport should be a Verifiable Credential

Proposal to the EWC consortium (the large scale EU pilot led by Sweden and Finland). As: 1. EWC is focusing on the all-important organisation wallet (general purpose and interoperable for states, municipalities, enterprises and 3rd sector organisations). 2. All credential exchange (credentials also needed for exchange of mass data in Data spaces,...

/regulation /identity

Bo Harald

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

From the diary of a digital war veteran

- no one will be interested in that online bank (early 1980s > half a million customers were using it in Finland when Internet came) - one-time passwords are far too difficult to use (served well until replaced mostly by face) - the identification service does not belong to banks (it has been heard from the times of Venice). Adopted first for i

/retail /identity

Bo Harald

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

Time for Credential Fest

The planned MyData conference in Helsinki in May/June 2025 should carry the name Credential Fest. There first of all central and local governments should be given the opportunity to list all credentials they issue to already now already citizen and organisation wallets. Followed by lists of forthcoming ones and how they themselves use organisation...

/retail /identity

Bo Harald

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

Public sector credentials to all wallets - to cross the death walley

Picture included in my Linkedin post (used to manage them here in the past) https://www.linkedin.com/posts/bo-harald-4768b51_dangerous-death-walley-one-might-of-course-activity-7192066826363625473-MfwU?utm_source=share&utm_medium=member_desktop Dangerous death walley... One might of course ask why the private sector is not yet crying out for...

/retail /identity

Retired Member

Retired Member 

The Hunt is On for AI Synergies in Private Equity Portfolio Companies

It’s not news that private equity firms act as technology strategists and guides to foster synergies between the companies in their portfolio. In 2024, their focus is on AI-enabled synergies within the portfolio. In this article, Drake Paulson, VP of Client Experience and Partnerships at Anduin Transactions, analyzes how the initiatives of synergi...

/startups /markets

Parth Prafulbhai Sonara

Parth Prafulbhai Sonara Product Manager at BlackRock

SWIFT ISO 20022: Technological Advances and Challenges

It is predicted that by 2025, ISO 20022 will handle 80% of transaction volumes and 87% of transaction value globally. In Europe, the adoption deadline was extended to November 2022. ISO stated that the new standard will provide improved efficiency in payment processing and enhanced data automation capabilities on an international scale. One signif...

/payments /wholesale

Nameer Khan

Nameer Khan Founder and CEO at Fils

On International Water Day, How can Fintech Stem the Flow of Climate Change?

Every year, March 22nd marks a somewhat solemn reflection on the state of the world’s water security. The bedrock of all known life, water is a fundamental need for all communities, depicted throughout literature as a unifying symbol of life and renewal. However, this year’s International Water Day warns against a not so far future in which water i...

/payments /sustainable

Richard White

Richard White Head of Trade Finance at Commercial Banking Applications (CBA)

What benefits could ISO 20022 bring to trade finance?

A continued push for digitisation, transparency and automation in trade finance prompts the question about the impact a migration of Swift messaging from MT to an ISO 20022 standard (MX) would have on global trade finance operations. As the payments and cash management industry has already been finding out, there are benefits, challenges and costs ...

/regulation /wholesale

John Bertrand

John Bertrand MD at Tec 8 Limited

By delaying instant payments, if suspicious, be effective?

At UK first Global Fraud Summit, HM Treasury plans to introduce legislation, only to apply to suspicious Authorised Push Payments executed within the UK in sterling. The proposed statutory instrument amends the Payment Services Regulations 2017 and allows PSPs to delay the execution of an outbound payment transaction by up to four business days fr...

/payments /regulation

Bo Harald

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

If you don't know where you are going, any road will do..

So where are we going? Do we realize that we nead leaps in productivty, in service capability, in security, in privacy, in Single Market progress and in serious lowering of costs in the public sectors? Then all countries and EU should make the strongest possible public-private efforts to get the Trust Infrastructure in place - supported by global...

/retail /identity

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