You need ladders to get to next level

First about the stairs and the metafora platform. Stairs have steps – new services that make taking the next step even more possible and enjoyable. Rails can be strengthened with materials such as trust, habit, general tools, convenience for builders and users, productivity improvements, security, legislation, economy of scale, economy of scale, etc. The material will usually reinforce more when used on many stairs.

After a while you reach a new level where you can start building new stairs to the next level (often in different directions) – and so it went – and keep going.

The starting point in the 1970s in Finland was a Decentralized and unified payment system That promoted strong competition between banks. Strong technological orientation and a tradition of standardization have also helped.

Thus it was a fairly natural step to use the communications infrastructure for personal computer banking in the early 1980s and gradually add all banking services to the lists – including electronic signature of loans. These rather long electronic banking ladders have created very important e-trust and e-habit (the first) a program.

From this one platform – a ladder built with real-time direct e-commerce payments and individual market place E-Business (The second)a program. Rails included electronic banking, payment habits themselves, cost efficiency by economizing on reusing the existing payment system, real-time delivery, and eliminating risk for merchants.

The following ladders correlate with customers also with transactions other than payments. Steps such as electronic identification, electronic signature documents, electronic billing, electronic salary building A real time economy (3rd) a program In the late nineties. The reuse of bank login credentials and the trust created for the third parties interacting was a significant achievement here. Today this bank ID service is used about 50 times per adult in Finland – and possibly more in Sweden.

Electronic invoicing started to improve convenience as customers started complaining about having to feed with long reference numbers. With electronic invoicing, simple one-click acceptance of payment on the due date is enabled. Then the state calculated that the total potential annual savings for incoming bills would be 150 million euros, the municipalities came to the same 150 million euros and the union of industry to 2,800 million euros. Even if some claim that this is an underestimate at the European level, the equivalent of about 250 billion is large enough – especially that it should be a key element to make the single market more individual …

And so the rails and steps in this ladder contained very strong commercial cases for both parties to the transaction – as well as the economy of trust and repetition.

The following ladders were using real-time public-private economy software (2006-14) to also pay electronic invoices on the EU scale, automate accounting, digital procurement procedures, payroll management, VAT reporting, and electronic receipts. Once the productivity aspects of using data not only for automation but also for decision-making became clear, the level reached was named Data-driven economics platform (fourth).

The work to drive progress on the fourth platform has taken us to a global electronic invoicing vision. When sending payments to any bank customer in the world without 25,000 or so banks having to sign contracts between them, it is possible – why not send invoices too? This multilateral structure based on the need to follow the rules about being a member of the non-profit SWIFT cooperative must be reusable – and also allows non-banks to join for new services. It wouldn’t happen even if we could put electronic billing and real-time economics on the EU Commission’s agenda.

Therefore, we had to witness how difficult it is to get interoperability between e-billing service providers even in the EU and keep looking for the next way forward.

Then we found new items for stairs – https://trustoverip.org and self-dominance identity in www.findy.fi stairs that took us to Trusted Data Infrastructure Platform (Fifth)

A brief description of the stairs being built (started in 2017) – in many directions – by many – applies as follows:

The data rights holder (see the Digital Governance Law and Article 20 GDPR) has the right to know where their data is located and to have access to all this data – it is especially important that the identity-based verification data – including identity credentials – is in use. In practice, this means downloading it from the data source’s data wallet to its profile Factwallet (The term eIDAS IDwallet is not appropriate as it may lead to the thinking that wallets only deal with identification) and thus have the right to choose the best service provider to resolve the requested service.

The three parties involved do not have to be technically integrated, as the Typical National Infrastructure (Findynets) layer will deal with the DID layers. The amount of friction in the economy, risk, crime, and gray economy that this will eliminate and the amount of privacy and comfort it will add is unbelievable.

While Findyconsortium was starting up, https://mydata.org was created. It now operates in 40 countries and its human-centric model aims to make sharing of personal data based on trust and a balanced relationship between individuals and organizations. Make data sharing happen to improve services and productivity and make it right. MyData built the stairs to MyData platform (6th)

As the use of personal data is now already mandatory and the wallets, infrastructure (data highway) and required governance are now being introduced, service design must now start from the context of the citizen or SME (life event). What data is needed, where is it located, how can it be accessed (from wallet to wallet) and how the data rights holder can freely choose who can use the data to solve the need at hand (abundant use cases..). Hence this platform is called New Service Design Platform (Seventh).

The following ladders will present my data and big data that is structured, most standardized, verifiable, and available in real time as it is born. It is very easy to see that the quality, energy efficiency, transparency of machine learning and artificial intelligence will improve drastically. This is the (eighth) machine learning and artificial intelligence platform.

It is certain that the following stairs have already been built. The materials used in these rails have been tested and improved on all previous ladders and platforms. So if the big picture is converted to a file
Narrative by public experts can continue to work and the demand will be there as next steps emerge.

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