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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.

Alex Kreger

Alex Kreger Founder & CEO at UXDA

13 Iconic Innovations to Future-Proof Your Digital Banking Service

Imagine the effortless satisfaction of a single-click purchase on Amazon, one tap Uber hail or the perfectly timed recommendations from Netflix—these aren’t happy accidents from generic experience. They have carefully enriched the digital experience, contributing to multi-billion dollar success. Thousands of banks and Fintechs try to tap into the ...

/retail /devops

Bo Harald

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

AI-agents should have ID-wallets

Why? Because they are of limited use unless they can be trusted and be interoperable with your own organisational and personal ID-wallet and other AI-agents. And as your customers, suppliers, the public sectors and your staff will have ID-wallets also to be able to interact with them as instructed. It should also be underlined that even if AI ...

/ai /identity

Bo Harald

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

ID-wallet and AI-agent - the dynamic duo. I asked AI. It agrees with me..

I asked AI how SSI principles in practise can support AI applications- before the AI-agent hype did change the scene.. (lower down about the dynamic duo).. Repost with comments at +++ "Self-Sovereign Identity (SSI) +++the base for EUDIwallet work+++ can be immensely supportive for AI applications in variou...

/ai /identity

Bo Harald

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

We know where we are heading. Why not get going..

We know that trust is needed more than ever before and that it is critically important for the AI-revolution. We know that trust will be built with identity building verifiable credentials. We know that all organisations and most citizens will have general purpose wallet applications very soon to be able to send and receive the credentials. We know...

/ai /identity

Bo Harald

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

The tale of two ladders for Mr Same Guy

ChatGTP understood me and wrote: “In a world where data flows like rivers but trust is dammed up behind bureaucratic walls, there lives Mr. Same Guy. By day, he's an employee — filing reports, logging into systems, juggling approvals. By night, he’s just himself — paying bills, accessing health records, verifying who he is to various services. In t...

/ai /identity

Alex Kreger

Alex Kreger Founder & CEO at UXDA

13 Dark UX Traps Financial Brands Must Avoid in Digital Banking Apps

Could a banking app, knowing users' patterns, emotions and fears, possibly push them to make the wrong choice to maximize the company’s profits? In an era in which apps have become the primary financial gateway, the line between empowering and trapping digital users has never been so blurred. Are some financial services already using shady pattern...

/regulation /retail

Alex Kreger

Alex Kreger Founder & CEO at UXDA

New Battle Field: Win Banking Race on the Client's Smartphone

Let’s cut to the chase. Financial institutions have spent decades obsessing over branches, brand identity, and service fees, believing those were the competitive battlefields. But in 2025, that war is being waged on a device that fits in your back pocket—the touchscreen smartphone. If a mobile banking app feels generic, devoid of real innovation, ...

/retail /predictions

Bo Harald

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

Trust is the foundation for AI-agents

By now it is clear - not only to the ChatGPTs I have asked (and posted here) - but also to most of us - that the identity building credentials in general purpose organisational wallets are a must-have when employing AI-agents. The bicycle made for two (personal identity used at work and organisation's wallet) can then safely be equipped with an AI...

/ai /identity

Aymeric Monod-Gayraud

Aymeric Monod-Gayraud Co-Founder at LoanTube

The Real Decisioning Structures Behind the UK Credit Industry

In the UK, when it comes to borrowing, the discourse typically revolves around credit scores. Specifically, those three-digit numbers are provided by agencies like Experian, Equifax, and TransUnion. We’re told that these figures determine our financial fate and whether we can secure a loan or mortgage. What we’re not told is that there’s a catch. ...

/retail /inclusion

Bo Harald

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

Up-skilling - at work and at home

I had the pleasure to deliver a Trust Infrastructure&AI-agent presentation yesterday to a group of retired leaders from enterprises and the public sectors. I was very impressed by their enthusiasm and so many good searching questions. Several asked why this huge opportunity for easier life for both citizens and businesses is getting so little...

/ai /identity

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