02 August 2014

Good for society at large

Bo HaraldZEF and Real Time Economy Program - Esbo

How long can e-banking keep growing?

26 May 2014  |  1533 views  |  0  |  Recommends 0

Over 6 million e-banking contracts in a country with 5,5m people - and there is a monthly fee. And transactions just keep growing..

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Blog post nbr 300 - this time about e-invoicing..

13 March 2014  |  1006 views  |  0  |  Recommends 0

As of November last year 72% of all enterprises in Finland used structured e-invoicing (Finvoice or TEAPPS standards - compatible with ISO20022). By now it is considerably higher. E-mailing PDFs has not - and should not - be counted as e-invoicing. The penetration rate varies between 82% (over 50 employees) and 62% (less than 10 employees). The ...

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Bo HaraldZEF and Real Time Economy Program - Esbo

Massive forces needed

10 March 2014  |  1248 views  |  0  |  Recommends 0

When we have been working with changing direction in large companies or large scale projects like x-EU e-invoice harmonization, automated VAT reporting and the real time economy generally speaking we ...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Consumer ombudsmen - protecting costs - not consumers

05 February 2014  |  1674 views  |  0  |  Recommends 0

In my previous post I recommended transparent charging for services - covering the costs as a minimum - to guide the consumers to act in their own interest. Oddly enough this is not widely supported ...

TagsMobile & onlineInnovationGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Charge for it!

05 February 2014  |  1430 views  |  0  |  Recommends 0

When we launched e-banking back in 1982 for consumers and SMEs at Union Bank fo Finland we pretty soon started to charge for the service. We thought that getting banking into homes and offices was wo...

TagsMobile & onlineInnovationGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Everybody writing - nobody reading?

05 February 2014  |  1513 views  |  0  |  Recommends 1

Everybody is writing and nobody reading? Writing takes all the time available.. I should of course not complain as my posts here have soon generation one million page views... But we do live in a tim...

TagsMobile & onlineInnovationGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Why you should ASK for proper e-invoices

30 January 2014  |  2872 views  |  0  |  Recommends 0

With proper I mean structured e-invoicing - not e-mailing PDFs (as bad as paper mail - or even worse due to spam filters..). So why? Your supplier Especially small enterprises can easily move into ...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Why you should OFFER proper e-invoicing

29 January 2014  |  2775 views  |  0  |  Recommends 0

With proper I mean structured e-invoicing - not e-mailing PDFs (as bad as paper mail - or even worse due to spam filters..). So why? Your customer 1. gains convenience - especially with simple mobi...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

e-id and e-commerce payment volumes growing in Finland

14 June 2013  |  2854 views  |  0  |  Recommends 0

Observations: 1. the public sector is the main user of banks e-id services and the growth continues as bank e-id also can be used for electronic signatures 2. e-commerce transactions are real time p...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Virgin territory

23 February 2013  |  3721 views  |  0  |  Recommends 0

A lot of time and effort has been spent on automating manufacturing and logistics in large companies. Less has been spent on their administrative processes. Automation of SME administration and gover...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
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