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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...
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...
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...
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...
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...
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...
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...
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...
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 ...
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...
Innovations happen only when the next individual changes her/his behavior to the new. In the IoT-world it is of course easier to make things move to automated e-interaction - but we still need to keep...
Wrote most of this in 2009..some adjustments made. Are we doing the right things in the right order? Maybe not… at least not often enough. The socio-technical landscape has changed so fast and we are ...