22 December 2014

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Archive for: January, 2010
Bo HaraldZEF and Real Time Economy Program - Esbo

e-banking high up

27 January 2010  |  3331 views  |  0  |  Recommends 0

What are Internet users doing on the net? A new study (Redera) produced the following for Finland: - looking for information 97% - e-banking 95% - customer feedback 76% - public sector services 71% - shopping 70% - inquiries (about merchandi...

TagsOnline bankingPaymentsGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Innovations do not come from outer space

23 January 2010  |  4138 views  |  0  |  Recommends 1

Innovations do not come from outer space - technology often comes - at least from space. There is a long way for new technology to become an invention, then give birth to a business idea which has the potential of becoming an innovation - a new practise which eventually is adopted by a critical mass of potential users - and then becomes the much s...

TagsOnline bankingPaymentsGroupInnovation in Financial Services
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Bo HaraldZEF and Real Time Economy Program - Esbo

Pyramid upside down - finally

17 January 2010  |  4050 views  |  0  |  Recommends 0

When we started e-banking back in -82 we saw it as a pyramid. A very broad base where customers do their everyday banking on PCs - checking balances, paying bills, getting notifications on direct debi...

TagsOnline bankingPaymentsGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Enterprises - high time to stand up

09 January 2010  |  3969 views  |  0  |  Recommends 0

Occasionally I get the impression that enterprises and their organizations are spending too much time on complaining (about regulation, about service charges etc) and not enough time on driving real c...

TagsOnline bankingPaymentsGroupInnovation in Financial Services
Bo HaraldZEF and Real Time Economy Program - Esbo

Blogs and blogs

05 January 2010  |  4427 views  |  2  |  Recommends 2

I have been writing blogs for about 3 years and it is helping me to get some messages and information out to partners, customers, students, researchers and others who share the networked economy passi...

TagsOnline bankingPaymentsGroupInnovation in Financial Services
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