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

Socio-technical landscape

23 August 2009  |  4342 views  |  0  |  Recommends 1

We should be today promoting common-sensical solutions for sense-making business. Are we? Maybe not… at least not often enough. The socio-technical landscape has changed so fast and we are still prisoners of quarterly capitalism (trying to create value for shareholders now staying for an average of 10 months), corporate governance models from the

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

54 billions in Germany - too much or not enough?

22 August 2009  |  2582 views  |  0  |  Recommends 0

Deutsche Bank Research report came out with this cost saving figure - referring to research at Hanover University. Is it too much - or not enough? The answer is yes... 1. If you only think about cost savings achieved with dematerialization of paper (30 billion invoices and envelopes on EU level a year..) and saving stamps the estimate looks far t...

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

Innovation - automating accounting for 20m enterprises..

15 August 2009  |  2732 views  |  0  |  Recommends 0

The EC drive to reduce administrative costs by 25% in SMEs by 2012 is surely worth all support - especially as SMEs represent 63% of turnover. But it is not possible to achieve this goal without movin...

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

Web squared - what does it mean for banking?

11 August 2009  |  3290 views  |  0  |  Recommends 0

Interesting paper by Tim O'Reilly and John Batelle titled web squared. Starts out by describing how the Web 2.0 "network as a platform" enables applications that get better the more people...

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

It works in practise - BUT - does it work in theory?

09 August 2009  |  3211 views  |  0  |  Recommends 0

This was the famous statement - allegedly by Chrusjtjov viewing a combined harvester demo at a sovhos. It came to my mind when reading the often so eminent Economist - now the "Modern Economy The...

TagsRetail bankingWholesale banking
Bo HaraldZEF and Real Time Economy Program - Esbo

Dream scenario for VAT auditing

04 August 2009  |  3561 views  |  0  |  Recommends 0

Making life easier and work more productive for SMEs in EU is a central goal for EU and most member states. More productive SMEs means more productive large enterprises and lower cost for the public s...

TagsOnline bankingPaymentsGroupInnovation in Financial Services
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