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Archive for: 2012
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

My name is Guy. Same Guy. Reissued

28 December 2012  |  5021 views  |  0 comments | recommendations Recommends 0

My name is Guy. Mr Same Guy. I show up in as a so called private customer off hours, then during working hours as a corporate customer, as a citizen in public sector services and often also as a member of associations, clubs etc. My point is that there are no corporate customers, no private customers, no citizens etc - only human customers or users...

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

Letter to Santa Claus - reissued

03 December 2012  |  3036 views  |  0 comments | recommendations Recommends 0

Europe 17.12.2008 Dear Santa, We have been really nice, technology-neutral and hardworking Experts this year and look forward to You bringing us a few presents to play around with in 2009. The first wish is a book - more precisely a handbook. We namely wrote a letter to the EU Commission in July and asked for Equal Treatment of paper and e-invoici...

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

EU - to save tax payer's money

25 October 2012  |  2618 views  |  0 comments | recommendations Recommends 0

Snippets from multistake holder meeting “· The European Council called for actions to encourage the uptake of e-invoicing in the EU and the European Parliament issued a resolution which calls for maki...

TagsPaymentsGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

Mr Same Guy - yesterday, today and tomorrow

08 October 2012  |  3771 views  |  0 comments | recommendations Recommends 0

1. Mr Same Guy yesterday. In the old days – when we launched PC-banking for SMEs and private customers (1982) at Union Bank of Finland we lived with the false impression that we had private and corpor...

TagsPaymentsGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

e-Invoicing is not a goal in itself

25 September 2012  |  3351 views  |  0 comments | recommendations Recommends 0

E-invoicing as such does not save the 250bn/year cost. It is an enabler - and that is why the focus should move to the next layers. Experts tend to dig so deep into details that they forget to commun...

TagsPaymentsGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

Final words on authenticity and integrity

25 September 2012  |  2863 views  |  0 comments | recommendations Recommends 0

A panel discussion at EXPP made it clear that further clarification is needed to make it clear what the EU Commission means with equal treatment of paper and e-invoicing. The VAT directive states that...

TagsPaymentsGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

Wasting tax payer's money until 2020?

03 July 2012  |  2898 views  |  1 comments | recommendations Recommends 0

Most governments are trying hard to save tax payer’s money – and even more importantly trying to push the SME-sector into digital processes and financial administration. But still too many in EU seem ...

TagsPaymentsGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

Why are some governments still dragging their feet?

27 June 2012  |  2781 views  |  1 comments | recommendations Recommends 0

8 reasons for paper and PDF-deadlines NOW: http://eeiplatform.com/8429/8-top-quoted-reasons-mandating-goverment-e-invoicing/?utm_source=E-invoicing+Platform&utm_campaign=5b97b520f0-E-invoicing...

TagsPaymentsGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

EC shaping up

25 June 2012  |  2955 views  |  1 comments | recommendations Recommends 1

from EEI-platform news: “We also received confirmation from several of our informal sources in Brussels. Some of them said that there are thoughts to make e-invoicing mandatory. Some others have the ...

TagsPaymentsGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program - Helsinki Region

64 percent of enterprises in Finland use e-invoicing

21 June 2012  |  3164 views  |  0 comments | recommendations Recommends 0

This will grow very fast as: 1. Almost all enterprises have signed up for e-invoicing services (201 000 with banks by end 2011 – 85% of all active). All have not yet started to use the services but

TagsPaymentsGroupInnovation in Financial Services
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