05 March 2015

Good for society at large

Bo HaraldZEF and Real Time Economy Program - Esbo

I am sure. Very sure.

04 February 2015  |  1717 views  |  0  |  Recommends 0

Taking the previous blog forward - asking myself questions - and moving the horizontal slider to the right when considering an issue important (in this case for banks) - and the vertical slider up when being surer. 1. Is the stable and cheap funding created by transaction accounts (private & corporate) important (full score for most banks)? H...

TagsPaymentsTransaction bankingGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Are you sure? How sure?

01 February 2015  |  2312 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
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Bo HaraldZEF and Real Time Economy Program - Esbo

The key to progress is change

10 January 2015  |  1970 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 enabl...

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

2015 - towards 100pct e-invoicing

03 January 2015  |  3265 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

Time for soul-searching - also in banks

07 December 2014  |  2741 views  |  0  |  Recommends 0

Then the first question is WHY? Why? Because people do not buy what you say – but why you say it. Simon Sinek proves this beyond doubt in his book Start with Why. You can get a good taste of this alr...

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

All countries should save tax payer's money with e-invoicing

05 December 2014  |  2297 views  |  0  |  Recommends 0

Now Switzerland http://www.thepaypers.com//e-invoicing-scf-e-procurement/switzerland-to-roll-out-e-invoicing-in-the-administration-in-2016/757585-24 But Denmark - true Vikings - made e-invoicing manda...

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

Time for better and new Ecosystems

20 November 2014  |  2126 views  |  0  |  Recommends 0

I had the opportunity to speak at the spectacular SLUSH-event in Helsinki. The main focus there is always on how startups are changing the world and should get more funding to do it even faster. My pr...

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

It's our money..

31 October 2014  |  1605 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

e-id as bank service storming ahead in Finland

19 May 2014  |  2219 views  |  0  |  Recommends 0

The most natural thing in the world is to reuse e-banking credentials, ready HABIT and TRUST for public sector and other 3rd party services when strong identification and/or contract signing is needed...

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

We all know where we are heading

27 February 2014  |  2184 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
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