23 August 2017

Good for society at large

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

e-banking 3.0

10 July 2017  |  4199 views  |  0 comments | recommendations Recommends 0

Includes e-id service (confirming identity is an ancient bank service..), e-signing (for loans, other bank contracts, 3rd party contracts), e-invoicing (sending and receiving - private and corporate), e-receipts, e-salary and many more. Stopping at an imagined border for what is banking service does not provide the value and overall cost efficienc...

TagsMobile & onlineInnovationGroupDigital Banking Trends
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Demise of cash

05 July 2017  |  8069 views  |  0 comments | recommendations Recommends 0

Bank of Finland report - ATMs (branch share very small): 2014: 145,1 million times 2015: 136,9 2016: 123,4 Billion € 2014: 14,4 2015: 13,9 2016: 12,9 Old expensive habit exiting.

TagsCardsInnovationGroupDigital Banking Trends
More blog posts
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Bank e-id service rules the waves

04 July 2017  |  5443 views  |  0 comments | recommendations Recommends 0

Bank of Finland statistics out. e-id service figures show huge growth: 2014: 56,23 million times 2015: 69,35 2016: 84,70 Reusing ready habit, ready infra and integrating it into a rapidly growing numb...

TagsRetail bankingInnovationGroupDigital Banking Trends
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Real Time Economy for EU - How?

20 March 2017  |  4340 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...

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

Real Time Economy for EU - What?

19 March 2017  |  4113 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)...

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

Real Time Economy for EU - Why?

15 March 2017  |  5123 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  |  5673 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  |  8912 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  |  4615 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  |  4384 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
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