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Latest /identity expert opinions

Bo Harald

Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

EU Trust Infrastructure and Cyber Security

Trust over IP started off to put users in charge of their data but much also because it was estimated that cyber crime annual damages was exceeding 6 trillion USD. With SSI and wallets for all verified data for all parties the risks and damages can be minimized. Much work is going on also in EU to improve cyber security - now especially in the fac...

/payments /identity Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Dance floor for all data

Data - and lately especially verified data - has for many years been a top priority in national and EU priorities. What the EU Trust Infrastructure's already de-facto EUDI-interoperable wallets mean in terms of benefits for all parties (with small investments) should be properly evaluated in all member state digital strategies - and then lead to c...

/regulation /identity Innovation in Financial Services

Jose Pierre

Jose Pierre CEO at Marketware International, Inc.

Humility: The Key to Transformative Leadership

In a world where power and authority are often equated with loudness and assertiveness, the quiet strength of humility stands in stark contrast. True leadership, marked by humility, is a powerful force that transforms organizations and inspires loyalty and trust among followers. Humble leaders are quick to forgive, difficult to offend, and always ...

/people /identity Business

Clare Rowley

Clare Rowley Head of Business Operations at Global Legal Entity Identifier Foundation (GLEIF)

The Value of the LEI in Cross-Border Payments: Enhancing Account-to-Account (A2A) Owner Validation

The need to harmonize cross-border trust services continues to grow in line with the ever-increasing volume of trade and commerce taking place globally across digital platforms. In this effort, the LEI can play a fundamental enabling role. The Financial Stability Board (FSB) has already endorsed the LEI to support the goals of its G20-endorsed Road...

/payments /identity Digital Identity Management

Eli Talmor

Eli Talmor CEO at ID-Bound

Can we save DeFi from being Centralized?

DeFi - Addressing the Limitations of Traditional Finance. DeFi, or Decentralized Finance, aims to tackle several problems users face with traditional financial systems: Limited Access: Traditional finance often excludes people due to factors like geographical location, credit history, or minimum balance requirements. DeFi, built on blockchain techn...

/regulation /identity Decentralized Finance (DeFi)

Simon Horswell

Simon Horswell Fraud Specialist Manager at Onfido

From Friction to Fluidity: Ensuring Security and User Experience in Finance

In today’s digital world, 81% of people access online services daily. Against this backdrop, verifying identities online has become a new business standard. It’s a yardstick to measure an organisation’s digital readiness and resilience, which is why 1 in 2 end users now encounter digital identity verification (IDV) during the registration process....

/identity Digital Identity Management

Brittany Allen

Brittany Allen Trust & Safety Architect at Sift

Tackling the Surge in Refund Fraud: A Growing Concern for E-commerce Merchants

Walking the floor at the recent Merchant Risk Council (MRC) annual Las Vegas conference, I was struck by how often one particular topic kept coming up in my conversations with merchants across different verticals and sizes: refund fraud. Industry leaders and practitioners are seeing rampant refund abuse, representing a significant source of financ...

/identity /crime

Bo Harald

Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Also the Product Passport should be a Verifiable Credential

Proposal to the EWC consortium (the large scale EU pilot led by Sweden and Finland). As: 1. EWC is focusing on the all-important organisation wallet (general purpose and interoperable for states, municipalities, enterprises and 3rd sector organisations). 2. All credential exchange (credentials also needed for exchange of mass data in Data spaces,...

/regulation /identity Innovation in Financial Services

Steve Wilcockson

Steve Wilcockson Product Marketing at Quantexa

Your LLM Will Wish You Had Used a Knowledge Graph

The problem: Generative AI Large Language Models (LLMs) can only answer questions or complete tasks based on what they been trained on - unless they’re given access to external knowledge, like your organization’s knowledge. LLMs can be fine-tuned, but it's an expensive endeavor. As a result, deploying enterprise context in conjunction with LLMs has...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

From the diary of a digital war veteran

- no one will be interested in that online bank (early 1980s > half a million customers were using it in Finland when Internet came) - one-time passwords are far too difficult to use (served well until replaced mostly by face) - the identification service does not belong to banks (it has been heard from the times of Venice). Adopted first for i

/retail /identity Innovation in Financial Services

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