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Archive for: 2016
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Are you the last Mohican?

02 November 2016  |  4569 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 cheques? If so - stop to think how unproportionally expensive it is for your supplier, customer, shop etc. To have to count and take cash to the bank, ...

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

Protecting costs - NOT consumers

01 November 2016  |  4351 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 organizations have to further cost cutting in enterprises - in this case by moving to e-invoicing. The cost of paper invoicing to the consumer segment in EU ca...

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

Choose the broadest staircase

01 November 2016  |  10414 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  |  4662 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  |  5449 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
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

New work - a renaissance in humaneness..

28 August 2016  |  6295 views  |  0 comments | recommendations Recommends 0

On the road to a fascinating and much better future of work and private life my take would include the following main milestones: Moores law making computing expontially more efficient, cheaper and...

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

Payment statistics out - strong growth in innovative services

05 August 2016  |  6261 views  |  0 comments | recommendations Recommends 0

Bank of Finland payment statistics 2015 out - better late than never.. (anybody seen similar figures from other countries - and better if compared to population, number of enterprises and GDP..)? htt...

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

Up and down - from the e-invoice

14 June 2016  |  4739 views  |  1 comments | recommendations Recommends 1

Just back from the Exchange conference I keep pondering how we can get a shared view of how to automate administrative processes. Today - especially in the US - it still is large enterprise driven pr...

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

Nudging is not enough

27 April 2016  |  2730 views  |  0 comments | recommendations Recommends 0

When making innovation happen - getting the next individual to move to something better (digital) - we need to look at the full toolbox. The starting point is that too many citizens continue behaving ...

TagsRetail bankingInnovationBrexitGroupInnovation in Financial Services
Bo Harald
Bo HaraldZEF, Transmeri, Real Time Economy Program - Helsinki Region

Nobody promised you a Rose Garden..

26 April 2016  |  1382 views  |  0 comments | recommendations Recommends 1

Nobody promised you a rose garden25 September 2010 | 6200 views | 0 I went to a book publishing party yesterday. Wonderful book about interior design and life by extraordinary personality. Lots of...

TagsPaymentsInnovationGroupElectronic invoicing
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