19 April 2014

Good for society at large

Bo HaraldZEF and Real Time Economy Program - Esbo

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

13 March 2014  |  812 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 ...

Bo HaraldZEF and Real Time Economy Program - Esbo

We all know where we are heading

27 February 2014  |  1614 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 that this inevitable change is a bad dream - but not having the energy or time needed to get out of daily chores. All this despite the whole process...

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

Consumer ombudsmen - protecting costs - not consumers

05 February 2014  |  1446 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  |  1281 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  |  1240 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 OFFER proper e-invoicing

29 January 2014  |  2521 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

Digitalize or die

19 October 2013  |  2186 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
Bo HaraldZEF and Real Time Economy Program - Esbo

We are talking about hundreds of billions

30 August 2013  |  3114 views  |  0  |  Recommends 0

According to the Commissioner for Internal Market and Services, Michel Barnier: "Ensuring that public administrations in the EU are modern and efficient is a priority for the European Commission....

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

Virgin territory

23 February 2013  |  3638 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
Bo HaraldZEF and Real Time Economy Program - Esbo

Is SME-sector competitiveness important?

22 February 2013  |  4010 views  |  0  |  Recommends 0

Is SME-sector competitiveness important? If governments consider SME-sector competitiveness important (65% of corporate turnover and all growth in employment come from them) they should do something a...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
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