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Archive for: May, 2009
Bo HaraldZEF and Real Time Economy Program - Esbo

Santa delivering...

28 May 2009  |  2528 views  |  0  |  Recommends 0

I wrote a letter to Santa last December and he seems to have taken it seriously at least with the most demanding present: "The second wish is a standard - more precisely a common and global standard that will fulfill both the needs of SMEs (being easy to use) and their frequently very large and sometimes bully trading partners who have a need...

TagsOnline bankingPayments
Bo HaraldZEF and Real Time Economy Program - Esbo

Too complicated - a no-brainer

25 May 2009  |  3180 views  |  0  |  Recommends 0

We are now also reading in the press what we already knew before - bank "products" have been made so complicated and have versioned into so many nearly-but-not-quite-the-same offerings - that the staff cannot handle them any longer. This sad fact is not unique to the banking sector - many other sectors suffer from the same results of too ...

TagsOnline bankingRetail bankingGroupTransaction Banking
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Bo HaraldZEF and Real Time Economy Program - Esbo

It is not the recession..

18 May 2009  |  2048 views  |  0  |  Recommends 0

It is not the recession - it is the demographic challenge - not enough people in working age -as demonstrated in this EU-produced chart: http://boharald.blogspot.com/2008/05/need-to-automate-away-rou...

TagsOnline bankingPayments
Bo HaraldZEF and Real Time Economy Program - Esbo

What will our children say..

17 May 2009  |  2079 views  |  0  |  Recommends 0

We are now in the process of expanding the public debt - in our childrens' name - beyond previously imagined boundaries. Apart from being a questionable practise to use much more money than you earn ...

TagsOnline bankingPayments
Bo HaraldZEF and Real Time Economy Program - Esbo

Consumer e-invoicing making great progress

11 May 2009  |  2326 views  |  0  |  Recommends 0

Check progress here: http://boharald.blogspot.com/2009/05/consumer-e-invoicing-making-great.html Really important to provide same user experience for private-role and SME-role receivers and senders. ...

TagsOnline bankingPayments
Bo HaraldZEF and Real Time Economy Program - Esbo

There are no corporate customers

10 May 2009  |  5498 views  |  0  |  Recommends 0

There are no "private customers" either.. Only human customers in different roles. And they surely deserve to be served with similar tools, logic and language irrespective of the role. Anyth...

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

e-banking making great progress

03 May 2009  |  4253 views  |  2  |  Recommends 0

Check progress here: http://boharald.blogspot.com/2009/05/e-banking-and-payments-in-finland.html Not bad for population of 5,3 million - but then we started in 1982..This will naturally happen everyw...

TagsOnline bankingPaymentsGroupTransaction Banking
Bo HaraldZEF and Real Time Economy Program - Esbo

e-invoicing making great progress

03 May 2009  |  2383 views  |  0  |  Recommends 0

Check progress here: http://boharald.blogspot.com/2009/04/first-you-sign-them-up.html There are some 220 000 enterprises in Finland - by now banks have signed up an estimated 120 000 - other service p...

TagsOnline bankingPayments
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