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

54 Billion reasons in Germany

31 July 2009  |  5240 views  |  0  |  Recommends 1

From Deutsche Bank report: “the bulk of the companies [SMEs in Germany] squander the sizeable efficiency gains that come with the introduction of digital invoices. According to estimates by researchers at the University of Hannover, the German economy offers total cost-savings potential of around EUR 54 bn, mainly in more efficient processes, i.e....

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

Global attention for e-invoicing

22 July 2009  |  1903 views  |  0  |  Recommends 0

Potentially useful repository in Business Week.The Real Time Economy Community site is still second to none - especially as we are in the next phase moving to automated real time accounting - starting from SMEs.

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Bo HaraldZEF and Real Time Economy Program - Esbo

Co-regulation time

22 July 2009  |  1860 views  |  0  |  Recommends 0

I wrote this blog post back in 2007 and keep coming back to the theme rather often. As said there - business should morally embrace the need for regulation - it cannot be avoided - be it the environm...

TagsOnline bankingRetail banking
Bo HaraldZEF and Real Time Economy Program - Esbo

Paying for paper

22 July 2009  |  2006 views  |  0  |  Recommends 0

The migration from the old habit of de-electronizing invoices by printing them on paper - and thereby loosing much of the valuable information - and causing a lot of cost for re-electronizing what is ...

TagsOnline bankingPayments
Bo HaraldZEF and Real Time Economy Program - Esbo

Banking is easy..

12 July 2009  |  2159 views  |  0  |  Recommends 0

You just accept deposits and make loans with high margins. If you are a start-up bank you just pay more for the deposits and then place the money in high-earning but still quite secure loans and inte

TagsPaymentsRetail banking
Bo HaraldZEF and Real Time Economy Program - Esbo

It is not the invoice...

11 July 2009  |  1892 views  |  0  |  Recommends 0

Slap any number of digital signatures on an electronic invoice and still you cannot guarantee any integrity and authenticity. The legal harmonization debate in EU is unfortunately still wrongly focusi...

TagsOnline bankingPayments
Bo HaraldZEF and Real Time Economy Program - Esbo

Want to save 1 billion litres of gasoline?

05 July 2009  |  2077 views  |  0  |  Recommends 1

Well that is easy - just ask the average European to act so that 2 litres less is used - a year. Should not be difficult - and one could in the same go throw in other fossile fuels and CO2 generation ...

TagsOnline bankingPayments
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