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

e-banking in the old days...

30 September 2009  |  5232 views  |  2  |  Recommends 0

In the old days - especially in the 80s before Internet - e-banking was seen as a supplementary channel - in addition to branches and contact centres. Today it is the main channel for almost all services - both for the customer in his private role and in employee roles of so called corporate customers. All banks have not yet adjusted their strateg...

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

Real action by Stoiber

22 September 2009  |  2623 views  |  0  |  Recommends 0

If you can lower the treshold to e-invoicing - as suggested below (emphasis mine) - you can automate accounting, public sector reporting, further the single market and much more. Then EU and member states have a chance to reach the 25% goal by 2012. If not - no chance. Who will take the responsibility for such fundamental failure? Stoiber and Verh...

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Bo HaraldZEF and Real Time Economy Program - Esbo

Widening Adoption Gap

20 September 2009  |  3099 views  |  0  |  Recommends 0

Technology is not the narrow sector - it is amply on offer - and the costs are going from low to lower. Technology enables "anything" and in most cases the utility is evident. The adoption g...

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

Four Economics

19 September 2009  |  2653 views  |  0  |  Recommends 1

Banks should move up the order-to-payment value chain from payments and down the payment-to-accounting value chain - before invaders move down or up into the payment business. The reasons are fundamen...

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

High Level Group spot on

18 September 2009  |  2814 views  |  0  |  Recommends 0

EUROPEAN COMMISSION - High Level Group of Independent Stakeholders on Administrative Burdens exerpts from OPINION OF THE HIGH LEVEL GROUP "The VAT Directive explicitly allows the use of electroni...

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

Happy Confluence !

18 September 2009  |  2229 views  |  0  |  Recommends 0

As we heard from Stig Korsgaard at SIBOS there a rather unique happy confluence has been arrived at as: 1. The EC Expert Group on e-Invoicing turned to UNCEFACT to get a global e-invoicing standard t...

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

Monday at 12.15 at SIBOS in Hong Kong

14 September 2009  |  2610 views  |  0  |  Recommends 0

Extended payments - everything is the same presentation at Open Theatre Synopsis: 1. Up the value chain - new value = new revenues for banking sector 2. Four economics 3. Three neutralities 4. Twoside...

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

Not unexpected in China

09 September 2009  |  2372 views  |  0  |  Recommends 0

China has shown what can be done when you are determined in many fields - from infra to business to high tech. In EU we need much more levers to get the obvious things happening. Cash is costing merch...

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

Rocket stage reached..

08 September 2009  |  2233 views  |  0  |  Recommends 0

Typical e-invoicing transaction trend in Finland: http://boharald.blogspot.com/2009/09/e-invoicing-transactions-taking-off.html The shape of this curve reminds me of the development of e-banking trans...

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

Public-private partnership II - just words?

06 September 2009  |  2142 views  |  0  |  Recommends 0

Another area where public-private partnership at some point may have had challenges is e-invoicing. Some have seen a danger that the PEPPOL-pilot for public sector procurement in EU will lead to the p...

TagsOnline bankingPaymentsGroupInnovation in Financial Services
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