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

Finland 100 years

09 December 2017  |  4904 views  |  0 comments | recommendations Recommends 0

Finland celebrates its 100 years of independence this year. Being attacked in 1939 by the Soviet Union was a particularly painful part of the journey. The progress after the war - from an agrarian country with some forest industry - has been good. There are now a fair number of Finnish companies amongst the globally leading in several sectors. No...

TagsRetail bankingInnovationGroupDisruption in Retail Banking
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

Impact evaluation - much to do

04 December 2017  |  2545 views  |  0 comments | recommendations Recommends 0

I am a member of the Finnish Council of Regulatory Impact. We are an independent body - but in the Prime Minister’s office. Similar organisations have been established also for example in Germany, the UK and Sweden. Our task is to evaluate how the evaluation of primarily the economic impact of new legislation has been performed. It is of course cle...

TagsRisk & regulationInnovationGroupFinancial Services Regulation
More blog posts
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

Make it possible, make it mandatory and then move to the next

21 November 2017  |  3067 views  |  0 comments | recommendations Recommends 0

Take structured e-invoicing (PDFs are pictures - worse than paper). Steps: 1. Go for a four courner model and choose a standard for all to use. 2. Convince also banks to join with the basic e-invoicin...

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

Human-centred approach to data leads the way to a smarter digital age

15 November 2017  |  3192 views  |  0 comments | recommendations Recommends 0

Borrowed most of this into my post (nbr 350 btw) from a paper by Markus Hautala and Antti Kettunen at Tieto. "... Trust in the digital age is broken. Can you remember the last time you got insura...

TagsInnovationOpen APIsGroupDisruption in Retail Banking
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

Pretty ok Real Time Economy overwiev

14 November 2017  |  2518 views  |  0 comments | recommendations Recommends 0

https://www.dropbox.com/s/8ikan8rh1h2h9v1/Bo%20Harald.mp4?dl=0

TagsMobile & onlineInnovationGroupDisruption in Retail Banking
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

Pure lack of knowledge, marketing gimmicks, silly hysteria or hate speech ?

08 November 2017  |  3903 views  |  0 comments | recommendations Recommends 0

I have been following with consternation media and ”analyst” statements around the future of banks in face of block chain and PSD2. It is easy to agree that new technology and the data driven economy ...

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

Banks are the enablers for mass market e-invocing

14 September 2017  |  6814 views  |  0 comments | recommendations Recommends 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 structur...

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

e-banking 3.0

10 July 2017  |  5336 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),...

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

Demise of cash

05 July 2017  |  9668 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
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

Bank e-id service rules the waves

04 July 2017  |  6450 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
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