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Bo Harald

My name is Guy. Same Guy. Reissued

My name is Guy. Mr Same Guy. I show up in as a so called private customer off hours, then during working hours as a corporate customer, as a citizen in public sector services and often also as a membe...

28 Dec 2012
Innovation in Financial Services
Bo Harald

Letter to Santa Claus - reissued

Europe 17.12.2008 Dear Santa, We have been really nice, technology-neutral and hardworking Experts this year and look forward to You bringing us a few presents to play around with in 2009. The first ...

03 Dec 2012
Innovation in Financial Services
Bo Harald

EU - to save tax payer's money

Snippets from multistake holder meeting “· The European Council called for actions to encourage the uptake of e-invoicing in the EU and the European Parliament issued a resolution which calls for maki...

25 Oct 2012
Innovation in Financial Services
Bo Harald

Mr Same Guy - yesterday, today and tomorrow

1. Mr Same Guy yesterday. In the old days – when we launched PC-banking for SMEs and private customers (1982) at Union Bank of Finland we lived with the false impression that we had private and corpor...

08 Oct 2012
Innovation in Financial Services
Bo Harald

e-Invoicing is not a goal in itself

E-invoicing as such does not save the 250bn/year cost. It is an enabler - and that is why the focus should move to the next layers. Experts tend to dig so deep into details that they forget to commun...

25 Sep 2012
Innovation in Financial Services
Bo Harald

Final words on authenticity and integrity

A panel discussion at EXPP made it clear that further clarification is needed to make it clear what the EU Commission means with equal treatment of paper and e-invoicing. The VAT directive states that...

25 Sep 2012
Innovation in Financial Services
Bo Harald

Wasting tax payer's money until 2020?

Most governments are trying hard to save tax payer’s money – and even more importantly trying to push the SME-sector into digital processes and financial administration. But still too many in EU seem ...

03 Jul 2012
Innovation in Financial Services
Bo Harald

Why are some governments still dragging their feet?

8 reasons for paper and PDF-deadlines NOW: http://eeiplatform.com/8429/8-top-quoted-reasons-mandating-goverment-e-invoicing/?utm_source=E-invoicing+Platform&utm_campaign=5b97b520f0-E-invoicing...

27 Jun 2012
Innovation in Financial Services
Bo Harald

EC shaping up

from EEI-platform news: “We also received confirmation from several of our informal sources in Brussels. Some of them said that there are thoughts to make e-invoicing mandatory. Some others have the ...

25 Jun 2012
Innovation in Financial Services
Bo Harald

64 percent of enterprises in Finland use e-invoicing

This will grow very fast as: 1. Almost all enterprises have signed up for e-invoicing services (201 000 with banks by end 2011 – 85% of all active). All have not yet started to use the services but

21 Jun 2012
Innovation in Financial Services
Bo Harald

China on the move with e-invoicing

http://eeiplatform.com/8190/china-issues-guidelines-to-promote-e-commerce-and-e-invoicing/ Many countries - all over the world - are now very active. Less so in some parts of EU where the need to beco...

06 Jun 2012
Innovation in Financial Services
Bo Harald

Snippets from payments report - Finland

Some figures - please compare notes from your countries - 90% of the population use Internet (but only 57% in the 65+ age cathegory - 81% do the bill payments in e-banks (98% in the 20-39y), 8% di...

29 May 2012
Innovation in Financial Services

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