Latest opinions that Bo Harald has shared on Finextra

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

Bo Harald

Chairman/Founding member, board member

Trust Infra for Real Time Economy Prgrm & MyData,

Member since

04 Nov 2008

Location

Helsinki Region

View Bo Harald's full profile

Bo's opinions

MyData - the leading light

Read about it here - and join the team next week https://mydata.org/2020/12/02/what-mydata-global-has-achieved-thus-far-and-why-join-our-journey/

04 December 2020 /security /identity Innovation in Financial Services

Public-private not-for-profit network for verified data needed in all countries

Why, how and what described in the somewhat busy picture below. It works well as animated and walked through. But I will try with some brief points here: Why? The goal is to remove friction from the economy. Friction caused by paper, not real-time, lack of trust in counterparts and data, unstandardized data, need to search for data from many source...

16 November 2020 /retail /identity Blockchain in Banking and Financial Services

Churchill already knew

"It is a mistake to look too far ahead. Only one link in the chain of destiny can be handled at a time." Winston Churchill. So much time is used for describing the splendid future with Artificial Intelligence that there is not enough time to tell the man on the street what can and should be taken into use already today - and are necessary...

16 November 2020 /payments /retail Disruption in Retail Banking

Mobey Forum 20 years

Mobey Forum is celebrating its 20th anniversary in 2020. To commemorate this milestone, key members of the association are sharing their personal experiences and highlights from the past two decades. The first blog in the 20th anniversary series begins with Bo Harald, Mobey Forum’s first Chair of the Board and founding member, to reflect on the ev...

29 October 2020 /payments /retail Innovation in Financial Services

Very short Hard Talk

Such a no brainer that governments should work harder to get banks to expand the offerings only they can deliver cost-efficiently and securely. Starting from e-ID and e-invoices. In the Nordics it happened. Next banking 3.0 - for the data driven economy. https://asiapaymentsconnect.com

08 October 2020 /payments /retail Innovation in Financial Services

The longest and most valuable digiladder I know of

When I think about my own role (smaller than some say) in driving the Nordic digital mission – good for society at large - starting in banking and now aiming at verifying and connecting all data to life events and automation – there are some observations that may be relevant also from here forward. 1. Everything is based on teamwork – in constantl...

20 September 2020 /payments /inclusion Innovation in Financial Services

MyData - making formal rights actionable

Based on the global movement MyData.org (building on GDPR) and work in the Real Time Economy program we now have - in my firm opinion an unique and combination enabling: 1. ethical use of empowered data, and 2. a clear and logical opportunity to take services to an entirely new level (My- and Big Data serving life events - with help also of algorit...

09 February 2020 /ai Bigger than Technology

Four Narratives

It is no secret that a fundamental change has started - the migration to a data-driven economy. Why this should be speeded up is obvious - everyone stands to benefit: from much better services when any citizen can authorise connecting MyData and Big Data to life events (at home and at work), from costs being automated away in all adminstrative and...

24 January 2020 Artificial Intelligence and Financial Services

Entering 2020

2019 was not - mildly speaking - the best of recent years. Global warming - also manifested by ongoing horrible fires in Australia - advanced, democracy was weakened in many western countries by irresponsible populists, the vision of a globally strong single market Europe took a setback with Brexit and Russian military agression and persecution of...

01 January 2020 /sustainable After hours

Community