29 March 2015

Good for society at large

Bo HaraldZEF and Real Time Economy Program - Esbo

Step by step to a Real Time Economy

13 hours ago  |  381 views  |  0  |  Recommends 0

Never has there been more opportunities to build new ecosystems and infrastructures - and interconnect them. A very interesting aspect in this work is to see how one new or improved ecosystem is acting as a lever for other ecosystems. Examples: - payments for e-banking, - e-banking for e-id, e-id for e-signatures - e-banking for e-invoicing, e-invo...

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

I am sure. Very sure.

04 February 2015  |  1831 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
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Bo HaraldZEF and Real Time Economy Program - Esbo

Are you sure? How sure?

01 February 2015  |  2375 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 - Esbo

The key to progress is change

10 January 2015  |  2000 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

Time for soul-searching - also in banks

07 December 2014  |  2853 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  |  2314 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  |  2143 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

Banks turbo-driving e-invoicing in Finland

19 May 2014  |  2215 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  |  2200 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  |  2159 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
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