Join the Community

23,928
Expert opinions
40,638
Total members
387
New members (last 30 days)
207
New opinions (last 30 days)
29,259
Total comments

Latest expert opinions

clear
clear
Bo Harald

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

The huge-savings curse. Part II (e-invoicing)

Like in e- and mobile banking the e-invoicing as an interconnecting-customers service was not started off as a good-for-society at large program – but for customer convenience. I still remember how customers complained that we had outsourced the keying in on ever-growing lengths of reference numbers and other payment data from branch and back-offi...

/payments /retail Innovation in Financial Services

Bo Harald

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

It is the administrative burden, stupid.

Many of us know that SMEs and also employees in larger enterprises and the public sector complain about an ever-growing administrative burden. Much caused by nitty-gritty difficult-to-decipher regulation. This is also coming from the work to make the Single EU market real. There politicians can always blame Brussels. One way of counteracting it ...

/ai /identity Innovation in Financial Services

Bo Harald

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

The huge-savings curse. Part I.

There is hardly a day passing by without new reports about hundreds of billions or multitrillion cost savings on their way with the Trust Infrastructure. Of course, these are in the right ballparks – and the western world for sure need them also against increasingly politically engineered cybercrime. Luckily the identity building verifiable creden...

/retail /identity Innovation in Financial Services

Bo Harald

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

We seem to have a wide consensus

Judging from the discussion I follow on LinkedIn we seem to have a wide consensus that: 1. AI-agents will be bring a new - even underhyped - level of productivity and convenience at work and at home 2. To employ, empower and steer them we need verifiable credentials 3. To get verifiable credentials flowing we need interoperable general purpose or...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

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

The new urgency - are banks prepared?

EU has been developing a digital trust infrastructure to support the data-driven economy for many years. Initially focused on enabling digital identification for citizens—especially needed in countries without BankID as infrastructure. The initiative then evolved into something far more transformative. It is now very clear that this infrastructu

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

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

Germany taking the organisation wallet-for-AI lead and Denmark speeding up citizen wallets

It is probably self-evident by now that the EU trust infrastructure is going to be the fundament not only for productivity, security, business and life event services, MyData privacy and a real Single Market - but also that ID-wallets and AI-agents together is the obvious next AI-step. The German coalition agreement is driving it: “The agreement...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

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

It is better to build from the ground up. Actually the only way...

If you have followed the input from AI-experts on LinkedIN and asked AI itself - you will have noticed that there is already a consensus that identity-building verifiable credentials to and from IDwallets are a precondition for successful AI-agentic employment and empowerment. The most important statement now came from the coalition agreement in G...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

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

It is not a good idea to focus on everything

The world needs sound and strong political leadership more than ever before. For European leaders it means to: 1. Defend Ukraines freedom and once and for all stop Russian imperialism. 2. Take strong global actions against global warming. 3. Raise se the EU competitiveness and security by using the Trust infrastructure as a fundament for taking...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

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

ID-wallets and AI-agents together. No-brainer by now?

My posts listed below probably describe the sun rising (a lot of repetition of course). The point being that ID-wallets are needed for security, trust, speedy adoption and getting legally binding deals - that only legal and natural persons can do. Newest on top. https://www.finextra.com/blogposting/28398/it-is-better-to-build-from-the-ground-up-act...

/ai /identity Innovation in Financial Services

Bo Harald

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

ID-wallets integrating AI-agents - or the other way around?

Both directions are being explored right now, but they lead to slightly different futures. 🧠 1. ID Wallets Integrating AI Agents This means the wallet is the core product, and AI agents are embedded within it to assist the user. 📌 Examples: An AI assistant inside your digital ID wallet helps you decide which credentials to share

/ai /identity Innovation in Financial Services

Now Hiring