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Bo Harald

Digitalize or die

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...

19 Oct 2013
Innovation in Financial Services
Bo Harald

We are talking about hundreds of billions

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....

30 Aug 2013
Innovation in Financial Services
Bo Harald

Demise of cash in Finland

Steady progress

14 Jun 2013
Innovation in Financial Services
Bo Harald

e-id and e-commerce payment volumes growing in Finland

Observations: 1. the public sector is the main user of banks e-id services and the growth continues as bank e-id also can be used for electronic signatures 2. e-commerce transactions are real time pay...

14 Jun 2013
Innovation in Financial Services
Bo Harald

e-invoicing growing fast in banks

Observations: 1. banks have signed up 230 000 enterprises (mostly for b2b) - almost all active ones in the country 2. volumes grew very fast in 2012 but will accelerate this year

14 Jun 2013
Innovation in Financial Services
Bo Harald

e-banking STILL growing in Finland

Observations: 1. 5,4 m citizens have made 5,8 m e-banking contracts (pay for the service to two banks in many cases) 2. transactions continue to grow fast

14 Jun 2013
Innovation in Financial Services
Bo Harald

Winning posts

Recent posts: Apr 2013 Why us reuse to difficult? 403 views Mar 2013 Cutting admin cost in half - video 1110 23 Feb 2013 Virgin territory 1987 22 Feb 2013 Is SME-sector competitiveness important? 2254...

08 Apr 2013
Innovation in Financial Services
Bo Harald

Why is reuse to difficult?

Most countries have established e-society strategies aiming at ao providing public sector services via the Internet. Progress has generally been fast with general information sharing - but when it c

08 Apr 2013
Innovation in Financial Services
Bo Harald

Cutting admin cost in half - video

http://youtu.be/Kb3q2viAbbk Great vision. Decent preacher. If you do not know where you are going, any road will do. Or even worse - nobody is going anywhere.

13 Mar 2013
Innovation in Financial Services
Bo Harald

Virgin territory

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 govern...

23 Feb 2013
Innovation in Financial Services
Bo Harald

Is SME-sector competitiveness important?

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...

22 Feb 2013
Innovation in Financial Services
Bo Harald

The biggest ever revolution in banking and beyond

As I am now checking out from full time employment I take this opportunity to sum up what we (not I..) at Nordea, Tieto, the EC Expert Group on e-Invoicing, the Real Time Economy program, the Mobey Fo...

18 Feb 2013
Innovation in Financial Services

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