14 February 2016

Good for society at large

Bo HaraldZEF and Real Time Economy Program - Helsinki region

Deutsche Bank CEO promises 10 more years for cash

24 January 2016  |  2374 views  |  1  |  Recommends 0

The Deutsche Bank CEO stated that cash will disappear during the next 10 years. Why does it have to have to take so long? Take the opportunity to repost this from 2008: "EU published some figures on cost of handling cash - 50bn per year - and the consumer pays every cent of it - without knowing how much we would all save by keeping money in d...

TagsCardsPaymentsGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Helsinki region

Privacy in Memorial

23 January 2016  |  2178 views  |  0  |  Recommends 0

We all remember how delighted we were when the newborn Google was praised as a "database of intentions" which it of course was and is - on a scale that we could not imagine then. With Facebook now having 510 million visits a day! by 1,5 bn signed up, Whats Up at 0,9bn, Instagram at 0,4bn, Twitter at 0,3bn and any number of Tripadvisors a...

TagsCardsInnovationGroupElectronic invoicing
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Bo HaraldZEF and Real Time Economy Program - Helsinki region

Experience from a small country

11 January 2016  |  2418 views  |  1  |  Recommends 0

Small countries have many disadvantages - small home markets, small languages, smaller skill pools and smaller resources - to mention a few. But they also have advantages - better opportunities for n...

TagsPaymentsRetail bankingGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Helsinki region

We have to speed up the progression to full automation

08 May 2015  |  3691 views  |  0  |  Recommends 0

Service to person - proactively suggesting (big data aided) things to do (and for receivers to accept in mobile phones and other devices) is an important step. But automated service to service is on o...

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

Are you sure? How sure?

01 February 2015  |  2682 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 p...

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

It's our money..

31 October 2014  |  1837 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 - Helsinki region

Massive forces needed

10 March 2014  |  1586 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 - Helsinki region

Why you should ASK for proper e-invoices

30 January 2014  |  3320 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 e-i...

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

Cutting admin cost in half - video

13 March 2013  |  2391 views  |  0  |  Recommends 0

http://youtu.be/Kb3q2viAbbk Great vision. Decent preacher. If you do not know where you are going, any road will do. Or even worse - nobody is going anywhere.

TagsPaymentsInnovationGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Helsinki region

The biggest ever revolution in banking and beyond

18 February 2013  |  9604 views  |  1  |  Recommends 0

As I am now checking out from full time employment I take this opportunity to sum up what we (not I..) at Nordea, Tieto, the EC Expert Group on e-Invoicing, the Real Time Economy program, the Mobey Fo...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
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