Latest opinions that Bo Harald has shared on Finextra

My e-Journey - over 40 years. Part 4. Going Nordic

Banking in Finland was hit very hard by an economic recession of unseen proportions in the early 90s. One unfortunate aspect was that local banks before that had hastily been deregulated and massed into commercial lending without the needed experience. This might still have been manageable - but the unrealistic attempts to keep the Finnish Markka ...

31 December 2022 /payments /retail Innovation in Financial Services

My e-Journey - over 40 years. Part 3. Interconnecting customers

Especially in the Nordea Bank stage we started to think that the then 4 million strong e-Banking user habit and trust should be reused for other interaction purposes than traditional payments and other banking services. With 10 million private and 1 million corporate customers there must be an enormous customer and societal value in interacting al...

29 December 2022 /retail /identity Banking Strategy, Digital and Transformation

Reposting Open Letter to the EU-Commission - as not sure that the organisation ID is understood

In these dark days of brutal military aggression, it is important to find time to also look forward and discover new ways to make Europe more competitive and secure. The next phase of digitalization – the trusted data infrastructure based on Self-Sovereign Identity and MyData principles - is now an opportunity on an unprecedented scale. The impa...

29 December 2022 /regulation /identity Banking Strategy, Digital and Transformation

My e-Journey - over 40 years. Part 2. All banking.

So once we in the early 80s saw how customers - with delight - started to use e-banking for bill payments and balance checking, we started to ponder what other services could be built on the economy of trust and economy of habit created. Adding economy of scope (buy more in one-stop shopping) and economy of repetion (learn once - use for more servi...

28 December 2022 /wealth /retail Banking Strategy, Digital and Transformation

My e-Journey - over 40 years. Part 1. e-banking started with payments.

Why should I jot down some notes from my digitalisation and leadership journey? Because I think that this experience from innovation ladders (one thing leads to another - and eventually to a new level - base for the next ladders) and engaging people for good-for-society-at-large actions (start with WHY - a purpose) can still be useful. It started

27 December 2022 /payments /retail Banking Strategy, Digital and Transformation

Banks have it all - reposted

Blog nbr 400. The benefits of moving faster to a Data-driven Economy are clear. The mission in short: better service, mega-shift in productivity, sustainability through less waste and CO2, fact-based decisions, true single European market, global transparency and the end of grey economy. Without banks taking more responsibility and politicians r...

07 September 2022 /payments /regulation Innovation in Financial Services

IDwallet interview

The Opportunities for Europe’s Identity Landscape with eIDAS 2.0, with Bo Harald – Podcast Episode 68 https://lnkd.in/dzgdhvW2

31 May 2022 /regulation /identity Innovation in Financial Services

eIDAS2 - the most important potential reached with the longest e-ladder

https://www.ubisecure.com/podcast/europe-identity-eidas-bo-harald/

12 May 2022 /regulation /identity Open Innovation Ecosystem

Is all data MyData? reposted

Is all data MyData?21 December 2018211 All data is somebody's data. Not really owned - but somebody is having the often exclusive right to use it. Sometimes alone, sometimes together, sometimes the right to alter and delete it, sometimes no right to change or delete it. What will happen next - when GDPR is a? strong foundation and MyData.org - the...

14 April 2022 /people /identity Innovation in Financial Services

Open letter to the EU Commission

In these dark days of brutal military aggression, it is important to find time to also look forward and discover new ways to make Europe more competitive and secure. The next phase of digitalization – the trusted data infrastructure based on Self-Sovereign Identity and MyData principles - is now an opportunity on an unprecedented scale. The impa...

20 March 2022 /retail /identity Innovation in Financial Services

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