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Bo Harald

Revolution! Now!

The technology explosion is making so many new far reaching opportunities visible that new challenges have appeared or old ones have become even more challenging. The first that many of us meet in o

12 Nov 2015
Innovation in Financial Services
Bo Harald

e-invoicing - natural part of payment services

Banks in Finland had signed up 217 000 enterprises for sending e-invoices - and 234 000 for receiving at the end of 2014. Corresponding potential for EU: 15,7 and 16,8 million. 3,9 million consumers ...

18 Aug 2015
Innovation in Financial Services
Bo Harald

e-ID as a service

e-banking customers in Finland used their e-banking passwords 56,2 million times to log in to public sector and other non-banking services last year. Up from 47,1m. Finland is a small country - so it...

18 Aug 2015
Innovation in Financial Services
Bo Harald

Mobile first by now.

History: http://www.mobeyforum.org/a-view-from-the-top-15-years-through-the-eyes-of-mobey-forums-chairmen/ https://www.linkedin.com/grp/post/3441551-6018710260271902722 Without co-operation, no sta...

23 Jun 2015
Innovation in Financial Services
Bo Harald

Mr Same Guy - language collection..

03 Jun 2015
Innovation in Financial Services
Bo Harald

There are no corporate customers.. only Mr Same Guy

And no private customers either - just human customers in several roles. A legal person has btw never done anything. So remember this when you create services. Same user experience across roles - and ...

03 Jun 2015
Bo Harald

The second pyramid - huge value

One picture says it all.

12 May 2015
Innovation in Financial Services
Bo Harald

We have to speed up the progression to full automation

Service to person - proactively suggesting (big data aided) things to do (and for receivers to accept in mobile phones and other devices) is an important step. But automated service to service is on o...

08 May 2015
Innovation in Financial Services
Bo Harald

In a small country you can advance faster

Very topical blogpost here: http://perspectives.tieto.com/blog/2015/03/challenge-blog-post-real-time-economy/

05 Apr 2015
Innovation in Financial Services
Bo Harald

Step by step to a Real Time Economy

Never has there been more opportunities to build new ecosystems and infrastructures - and interconnect them. A very interesting aspect in this work is to see how one new or improved ecosystem is actin...

28 Mar 2015
Innovation in Financial Services
Bo Harald

I am sure. Very sure.

Taking the previous blog forward - asking myself questions - and moving the horizontal slider to the right when considering an issue important (in this case for banks) - and the vertical slider up wh...

04 Feb 2015
Innovation in Financial Services
Bo Harald

Are you sure? How sure?

I have the privilige to act as chairman for a young company http://www.zef.fi/en/home/ The company's WHY - mission - is very clear: helping people to make decisions - better decisions - all over the p...

01 Feb 2015
Innovation in Financial Services

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