17 March 2018
Bo Harald

Good for society at large

Bo Harald - ZEF, Transmeri, Demos, Real Time Economy Program

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Electronic invoicing

A discussion and guidance on the path to full scale adoption of electronic invoicing by corporates, goverments, SME's and consumers, creating savings up to € 60 billion in 2020. With a focus on: trends, business models, processes, technology, and legal issues.

Banks are the enablers for mass market e-invocing

14 September 2017  |  6939 views  |  0

Finland as an example (2016 figs):

- all SMEs use e-/mobile banking and e-invoicing is a standard feature as out of some 250k enterprises 217k have signed up for sending and 234 for receiving structured e-invoices (PDF has never been classified as e-invoice)

- consumers have 6,23 million e-/mobile banking contracts (population 5,5 m so some are paying for the service in two banks). Active contract estimate (under- and overage eliminated) some 4,5 million. Of these 3,91 million receive e-invoices.

- banks are central for the SME-market while non-bank service providers have signed up the large senders and receivers. Total volumes estimated (m - out of some 500m b2all) and including Edifact:

                       sent                    received

2014                190                       130

2015                220                       160

2016                300                       190

Operators still print some for receivers. State sector is very close to 100 pct on the receiving side for the domestic part.




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job title Chairman/Founding member
location Helsinki Region
member since 2008
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