25 May 2017

Good for society at large

Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Real Time Economy for EU - How?

20 March 2017  |  3980 views  |  0 comments | recommendations Recommends 0

Previous posts have aimed at describing the big picture: •https://www.finextra.com/blogposting/13835/real-time-economy-for-eu---big-picture The very compelling Why - the Mission •https://www.finextra.com/blogposting/13836/real-time-economy-for-eu---why The What - the targets in the Vision •https://www.finextra.com/blogposting/13847/real-time-econo...

TagsMobile & onlineInnovationGroupFintech innovation and startups
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Real Time Economy for EU - What?

19 March 2017  |  3684 views  |  0 comments | recommendations Recommends 0

The two most central targets are: 1. Automated VAT- and other reporting to public and other sectors (Target 1- T1 in slide). For this automated - towards real time moving - accounting is needed (ECO1). Central building blocks are real time payments (BB1), real time e-invoicing and e-receipts (BB3) in same structural form and standard. E-id and e-s...

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Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Real Time Economy for EU - Why?

15 March 2017  |  4813 views  |  0 comments | recommendations Recommends 1

The benefits - direct and indirect - should be analysed from several angles - even if it is clear that the benefits mostly soon will end up at the EU-citizens table: 1. Benefits for the EU-Citizen

TagsMobile & onlineInnovationGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Real Time Economy for EU - Big Picture

15 March 2017  |  5316 views  |  2 comments | recommendations Recommends 0

Being back from a very inspiring meeting in Brussels it is a good moment to post a few high level observations (going into Why-How-What details separately). The RTE is all about automating financial ...

TagsMobile & onlineInnovationGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Connecting customers 3.0

12 January 2017  |  8537 views  |  0 comments | recommendations Recommends 0

Banks have helped customers to connect since ancient times. Credit payments, card payments, letters of credit, collections, bank guarantees, securities transactions, project financing etc. This all be...

TagsPaymentsTransaction bankingGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Are you the last Mohican?

02 November 2016  |  4357 views  |  0 comments | recommendations Recommends 0

Are you the last Mohican? The last one still sending our accepting paper or PDF invoices? In your private and/or corporate role? The last one using cash in a shop? The last one writing or accepting c...

TagsMobile & onlineInnovationGroupElectronic invoicing
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Protecting costs - NOT consumers

01 November 2016  |  4278 views  |  0 comments | recommendations Recommends 1

Posted this in 2008 - edited now Had a discussion last week with a representative of a consumer organization at a conference in Brussels. It did strike me - again - how little interest these organizat...

TagsPaymentsInnovationGroupElectronic invoicing
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Choose the broadest staircase

01 November 2016  |  10311 views  |  0 comments | recommendations Recommends 0

My experience from being a part of payments, e-banking, mobile, e-id etc development work has been that one should start with services that "all people" (Ms Same Guy in her private, entrepre...

TagsInnovationTransaction bankingGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Real Time Taxation

31 October 2016  |  4570 views  |  0 comments | recommendations Recommends 0

The Real Time Economy program in Finland listed 1. the national income register, 2. automated real time accounting, 3. automated VAT reporting and 4. XBRL general ledger standard as top priorities. Al...

TagsMobile & onlineInnovationGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Half planned is well done

08 September 2016  |  5395 views  |  0 comments | recommendations Recommends 0

I continue to come across digitalisation projects where there is too much emphasis on planning - leading to slow progress and lack of flexibility once started. Sometimes people refer to the wisdom fro...

TagsMobile & onlineInnovationGroupInnovation in Financial Services
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