Finextra Research
Sign in
Sign up
  • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
Sign in
Sign up
  • News
    • Back
    • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • Back
    • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Back
    • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
  • payments
  • markets
  • retail
  • wholesale
  • wealth
  • regulation
  • crime
  • crypto
  • sustainable
  • startups
  • devops
  • identity
  • security
  • cloud
  • ai

Community

  • Your feed
  • Latest expert opinions
  • Groups

Join the Community

22,929
Expert opinions
43,831
Total members
419
New members (last 30 days)
199
New opinions (last 30 days)
28,965
Total comments
Join Sign in
Follow Unfollow

Bo Harald

Chairman/Founding member, board member
Trust Infra for Real Time Economy Prgrm & MyData,
Member since
04 Nov 2008
Location
Helsinki Region
Followers
13
Following
0
Opinions
509
Long reads
0
Followed by John Sims, Martha Boyle and 5 others you follow
View Bo Harald's full profile

Bo's opinions

clear
Bo Harald

Crusade against cash

I have written 380 blogs in Finextra since I was invited to join in 2008. Mostly about themes like e-banking, e-invoicing, e-id, e-salary, payments, the Single Market and lately more about the data-driven economy and its drivers DLT, GDPR and MyData. I am very grateful for having received some 1,6 million views and will try hard to get to the 2 mi...

29 December 2018 /inclusion Payments strategies 2015-2020-2030

Bo Harald

Is all data MyData?

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 global movement (now also legally inco...

21 December 2018 /ai Fintech innovation and startups

Bo Harald

Real Time Economy on EU top agenda

Loud and clear - Timmerman's horizontal responsibility (see page 40) https://ec.europa.eu/info/sites/info/files/refit-platform-opinions-v26november2018_en.pdf With GDPR and MyData.org gearing up we will see a rapidly growing stream of RTE-data showing up in Life-event-driven service design. This can become a huge movement once people realize that ...

15 December 2018 /inclusion Fintech innovation and startups

Bo Harald

Return to sender

Serious message for senders of paper - or e-mailed invoices. Only structured invoicing and soon e-receipt data will automate accounting. Still work to do in many countries. Very clear message: https://www.youtube.com/watch?v=taBKE9IquEc&feature=share

05 December 2018 /payments Digital Banking Trends

Bo Harald

Questions - often stupid.. on the long journey to the Fintech future at large - updated version

Questions on the long journey Summarizing milestones - my own experience mostly based on Fintech in Finland and the other Nordics. (Union Bank of Finland>Merita Bank>MeritaNordbanken>Nordea Bank, Mobey Forum, Visa Advisory board, EU Expert Groups, Real Time Economy Program, Tieto, MyData etc): 1950s - Strong emphasis on payment standa...

18 November 2018 Digital Banking Trends

Bo Harald

Four big screens

The Real Time Economy Program in Finland (2006- ) did early on set goals like: - Real Time Tax reporting of salaries, pensions and social support (for salaries ready in 2019 - rest in 2020). Dividend, interest and other investment income already there. - Full migration to electronic structured invoicing and e-receipts - Automated accounting and au...

14 November 2018 /ai Data Management 101

Bo Harald

Two rivers becoming one..

The rapidly swelling data river (MyData, Big Data, Open Data, structured and unstructured) and the service design river namely. In the Real Time Economy program (2006-) we have seen important progress towards getting financial and administrative data digitalised into structured and standardised form moving increasingly into real time. This is als...

14 November 2018 /ai Digital Banking Trends

Bo Harald

Economy of Real Time

In the quest for better productivity in the global markets we have been listing huge levers like: - Economy of Scale - still important - even if IT-processing costs have been coming down - Economy of Scope - still important - especially as customers plastic brains have all but eliminated attention spans - and thus comprehensive offerings (self- and...

30 October 2018 Banking Strategy, Digital and Transformation

Bo Harald

There are no corporate customers.. only Mr Same Guy

And no private customers either - just human customers in several roles. A legal person has btw never done anything. So remember this when you create services. Same user experience across roles - and across services. A primary example is to allow the use of e-banking codes as ID in other services that need a strong e-id - and then use them also f

03 October 2018 /ai Fintech innovation and startups

Bo Harald

We need LSD..

SEPA, PSD2, GDPR etc where only the start. We need more EU and national regulation in the data economy. PSD2 means that there will be standardized access to money data for the application you empower. It was is a huge step towards open data in all sectors. The same should be the case for accounting data - any application producing PL and BS statem...

15 September 2018 /regulation Banking Strategy, Digital and Transformation

  • 1
  • 2
  • 3

Bo writes about

  • artificial intelligence
  • security
  • payments
  • regulation & compliance
  • people
  • wealth management
  • retail banking
  • wholesale banking
  • sustainable
  • financial inclusion
  • identity
  • financial crime
  • predictions

Bo's opinion archive

  • 2025 (27)
  • 2024 (31)
  • 2023 (13)
  • 2022 (10)
  • 2020 (6)
  • 2019 (14)
  • 2018 (24)
  • 2017 (15)
  • 2016 (16)
  • 2015 (13)
  • 2014 (17)
  • 2013 (16)
  • 2012 (35)
  • 2011 (70)
  • 2010 (74)
  • 2009 (85)
  • 2008 (10)

Latest groups joined by Bo

  • Electronic invoicing

  • Whatever...

  • Transaction Banking

See all groups joined

Bo reads

  • Networked economy
  • Real Time Economy

Welcome to Finextra. We use cookies to help us to deliver our services. You may change your preferences at our Cookie Centre.

Please read our Privacy Policy.

Accept
Finextra

Finextra

  • About

Community

  • Rules
  • Contact the community team

News

  • Guidance
  • Contact the news desk

Sales

  • Media pack
  • Contact the sales team

Get involved

  • Finextra Live@
  • Webinars
  • Finextra TV
  • Research
  • Finextra.jobs

Events

  • Sustainable Finance Live
  • NextGen Nordics
  • EBAday
  • NextGen:AI
Join the community Register for news alerts
Apple App Store Google App Store

© Finextra Research 2025

Terms of usePrivacy PolicyCookie Centre