I have a few more parts in mind. Candidates – time permitting – include: Ladders galore, Productivity impact high level evaluation, Life events as starting point for service design, Single Market leap, Sustainability impact and Leadership observations.
Lesson learned: Writing may help you to use what has been done right and what failed when looking into the future. The enviroment is of course different. More challenging as attention span is so short and speed so high. But easier with open global standards and open source technology.

But at this point I cannot hold back addressing the enormous impact the Trust Infrastructure (see www.trustoverip.org and www.findy.fi) will bring to society at large. Some observers say that bringing trust to Internet is a
more important step than Internet – and that the generic use-for-all factwallets are a more important step than Internet browsers were.
Lesson learned: I have not seen anything as important for society at large before.

We started to look for something new when we experienced serious challenges with e-invoicing interoperability in Europe and beyond. The challenge was that every service provider had to make a contract with every service service provider and this mass of crisscrossing was a slow, expensive and never ending exercise. I hade dreamt about seeing sending global e-invoices as easy as sending global payments. We tried hard to get the not-for-profit SWIFT co-operative to step in with the ready payment infrastucture and membership replacing most of bilateral contracting also for sending and receiving e-invoices not only via banks but all other service providers. After a rather promising start SWIFT and/or its members did not understand the responsibility and economy of reuse, economy of scale, economy of scope, economy of repetition and economy of trust on offer.
Lessons learned: Banking has been through so much regulative changes that need to look into the future has suffered. Not good for society at large.

At this time (-14) the Real Time Economy program had analysed that the cost saving potential from automation with e-receipts amounted to 800m€/year in Finland. The EU equivalent 60 bn€ meant that something should be done urgently – and the
contracting burden solved also here. But as e-receipt issuers have little incentive to build the ecosystem and even less interest to pay for transactions, the business case for traditional e-invoice service providers could not be found. Progress was made when it was decided that the EUstandard for e-receipts should be the same as for e-invoice. But automatic interoperability and payment-like easyness was not yet in sight.
Lesson learned: do not give up

Then the rising sun (Self-Sovereign Identity and Trust over IP) was spotted by Markus Hautala at TietoEvry. The public-private Findy-consortium (Tax, Business Registry, Nordea, OP-Bank, NIXU, the Association of Technology Industries, Finance Finland, the Social welfare infra KEVA, Vastuu Group, Finnish Post) was quickly formed to test general-purpose (use for everything) IDwallets issued to natural and legal persons and how these could
interact WITHOUT need for technical integration via the Findynet infrastructure.
Several succesful proof of concept were made in areas like health, sports and enterprise establishment. The
virtually shocking impact of me was that with the wallets it was possible to create a fully functioning pilot for
issuing and trading in unlisted shares (with all the needed reporting) by
4! TietoEvry-coders in 4 months!! This is for sure a Heavens gate.. Especially as McKinsey has evalued that the Trust Infrastructure will add
3-6% of a countries GDP.  Lesson learned: Miraculous thing can happen!

I am one of the founding members in www.Mydata.org. Our slogan is Make it Happen (MyData arriving when needed in life events) and
Make it Right (data rights owners knows and decides who can use data).  There is already the
legal base – GDPR art 20 – making it mandatory for enterprises to supply the MyData when asked for – but no practical way until the data storage is fronted by its own general-purpose interoperable-by-design wallets. So – to implement the mandatory GDPR and the MyData principles – Findy-like x-EU interoperability building initiatives are urgently needed. IDUnion in Germany is an outstanding example.
Lesson learned: even cumbersome legislation may be useful

To round off practically how the most frequent life event – shopping – is served by wallets handling the most important verified data – the e-receipt. The seller signs it and sends it from his factwallet to the buyers factwallet – who can resend it to the accounting firm’s, the employer’s, the insurance company’s, the financer’s etc factwallets –
without need for technical integration – and for sure securely and privacy proteciting.
Lesson learned: We need simple stories to get the man on the street engaged – demanding fast progress

The beautiful chain is now: SSI/ToIP > Findy consortium tests > Finnish State adopting model and supporting the public-private not-for-profit Findynet co-operative > Real Time Economy program focus on e-receipts in organisation wallets > Sweden joins > Sweden and Finland form https://eudiwalletconsortium.org/ > apply for EUfunding > get EU-funding > enough to-do secured…….Lesson learned: 2023 is going to be a fantastic year

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