17 September 2014

Good for society at large

Bo HaraldZEF and Real Time Economy Program - Esbo

How long can e-banking keep growing?

26 May 2014  |  1764 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  |  1083 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

We all know where we are heading

27 February 2014  |  1925 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  |  1857 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  |  1484 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  |  1644 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  |  3032 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  |  2845 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

New opening in mobile payments

10 January 2014  |  3357 views  |  0  |  Recommends 1

I should of course have added to the looking back at 2013 post - that the new direction for mobile payments also made a breakthrough. When it is realized that mobile payments should be payment receiv...

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

Digitalize or die

19 October 2013  |  2262 views  |  0  |  Recommends 0

It is a wellknown fact that the capability of IT is doubling in relation to its cost every year. It seems to be less wellknown what it means when something huge is doubling and doubling and.. (Ray Kur...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
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