Strategic Alignment and Ecosystem Innovation: Integrating the European Digital Identity Wallet into the Financial Sector
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- openalex:w7163466728
- Authors
- Antti Niskanen
- Reported year
- 2026
- Reported language
- en
- Source type
- dissertation
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- 2026-11-09T19:04:47.736297+00:00
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Documentary abstract — original language
Regulation (EU) 2024/1183 established the European Digital Identity Framework in May 2024,placing a mandatory obligation on financial service providers to accept the European Digital Identity Wallet (EUDI Wallet) by late 2027. Financial institutions face a compliance deadline but also a strategic question: which ecosystem roles should they occupy under the eIDAS 2.0 regulatory framework? This thesis examines what strategic opportunities and ecosystem roles the EUDI Wallet creates for financial institutions, what kind of barriers they face in wallet adoption, and which use cases carry the greatest potential for new digital wallet ecosystems. The study applies a qualitative and inductive research design based on twelve semi-structured expert interviews, which were analysed using the Gioia methodology, with participants ranging from the financial sector, public sector, technology companies, consulting firms, and an industry association. The empirical analysis produced four aggregate dimensions: Digital Identity as Trust Infrastructure, Strategic Opportunities and Ecosystem Value Creation, Adoption Dynamics and Organisational Transformation, and Ecosystem Governance and Regulatory Compliance. The central finding of this thesis is that the EUDI Wallet ecosystem is fundamentally a governance challenge rather than a technology problem. Financial institutions are well placed to take an active role in shaping it because of their existing trust, customer relationships, and regulatory expertise. Early adopters will help define how these ecosystems work, and they are better positioned for securing a competitive advantage.
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- W7163466728
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- dissertation
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- Ecosystem
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OpenAlex · Record 1 · Record 2
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Cite this reference
Antti Niskanen. Strategic Alignment and Ecosystem Innovation: Integrating the European Digital Identity Wallet into the Financial Sector. 2026. https://www.declarationuniverselledesdroitsdelarbre.org/global-rights-of-nature-radar/reference/r-1f2e66d798bce19ceb277b0f0af2a8dc/
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- APA
- Antti Niskanen. (2026). Strategic Alignment and Ecosystem Innovation: Integrating the European Digital Identity Wallet into the Financial Sector. https://www.declarationuniverselledesdroitsdelarbre.org/global-rights-of-nature-radar/reference/r-1f2e66d798bce19ceb277b0f0af2a8dc/
- Chicago
- Antti Niskanen. Strategic Alignment and Ecosystem Innovation: Integrating the European Digital Identity Wallet into the Financial Sector. 2026. https://www.declarationuniverselledesdroitsdelarbre.org/global-rights-of-nature-radar/reference/r-1f2e66d798bce19ceb277b0f0af2a8dc/
- ISO 690
- Antti Niskanen. Strategic Alignment and Ecosystem Innovation: Integrating the European Digital Identity Wallet into the Financial Sector. 2026. https://www.declarationuniverselledesdroitsdelarbre.org/global-rights-of-nature-radar/reference/r-1f2e66d798bce19ceb277b0f0af2a8dc/
UDTR Global Rights of Nature Legal Library. Strategic Alignment and Ecosystem Innovation: Integrating the European Digital Identity Wallet into the Financial Sector. Documentary record: https://www.declarationuniverselledesdroitsdelarbre.org/global-rights-of-nature-radar/reference/r-1f2e66d798bce19ceb277b0f0af2a8dc/ · Last HTTP verification: not performed
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Version d76bc24e4869b50a · udtr-reference-1.1.2
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- OpenAlex · source · 2026-11-09T19:04:47.736297+00:00
- Authors
- OpenAlex · source · 2026-11-09T19:04:47.736297+00:00
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- OpenAlex · source · 2026-11-09T19:04:47.736297+00:00
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- OpenAlex · source · 2026-11-09T19:04:47.736297+00:00
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- OpenAlex · source · 2026-11-09T19:04:47.736297+00:00
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d14886c715acabfe · 2026-11-09T19:04:47.736297+00:00
70e0eac6da03eb5b · 2026-11-09T19:04:47.736297+00:00
cd2c38d90e9259d5 · 2026-11-09T19:04:47.736297+00:00
d76bc24e4869b50a · 2026-11-09T19:04:47.736297+00:00
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Institutional bibliographic repository · http://www.theseus.fi/handle/10024/923806
Discovery source · https://openalex.org/W7163466728
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