02 February 2015

Good for society at large

Bo HaraldZEF and Real Time Economy Program - Esbo

Are you sure? How sure?

15 hours ago  |  1033 views  |  0  |  Recommends 0

I have the privilige to act as chairman for a young company http://www.zef.fi/en/home/ The company's WHY - mission - is very clear: helping people to make decisions - better decisions - all over the place. There is an exponentially growing need for this as the information overflow continues to grow exponentially. So does the number of devices, apps...

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

The key to progress is change

10 January 2015  |  1836 views  |  0  |  Recommends 0

Change in human behavior - to be precise. Only when the next person is changing his/her behavior does innovation actually materialize. This is probably too self evident. Also that change is both enabled and driven by exponentially more capable IT. We need something to change into. Simplified - experienced - roadmap: 1. Create service or tool that ...

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

2015 - towards 100pct e-invoicing

03 January 2015  |  3078 views  |  0  |  Recommends 0

There is a fair chance that structured e-invoicing (not e-mailed pdfs) will get close to 100% at least in Finland this year. Then I mean share of enterprises that use e-invoicing more or less. The rea...

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

It's our money..

31 October 2014  |  1573 views  |  0  |  Recommends 0

An estimated EUR 177 billion in VAT revenues was lost due to non-compliance or non-collection in 2012, a recent report reveals. E-invoicing to help reduce EU VAT Gap losses - report thepaypers.com Ac...

TagsPaymentsInnovationGroupElectronic invoicing
Bo HaraldZEF and Real Time Economy Program - Esbo

Banks turbo-driving e-invoicing in Finland

19 May 2014  |  2185 views  |  0  |  Recommends 0

Almost all enterprises in the country signed up (336.000). Huge growth in transactions. Consumer volumes exploding this year as direct debit features have been integrated.

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

We all know where we are heading

27 February 2014  |  2068 views  |  2  |  Recommends 0

We all know that administrative processes will be fully automated in the future and continue their march towards real time. Still far too many of us continue to sit on our hands - perhaps not hoping t...

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

Consumer ombudsmen - protecting costs - not consumers

05 February 2014  |  2118 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 b...

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

Charge for it!

05 February 2014  |  1613 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 wor...

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

Everybody writing - nobody reading?

05 February 2014  |  1818 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 time...

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

Looking back on 2013

09 January 2014  |  1705 views  |  0  |  Recommends 0

2013 was the year when paper and e-mail invoicing was overtaken by structured e-invoicing in Finland. This is now happening with accelerating speed all over the world as governments and other payment ...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
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