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Bo Harald

It is our money..

Studies made for EU reveal that the VAT Gap (difference between theoretical VAT receipts and actual payments) exceeds 100BN€ every year since 2000 (118,8bn€ in 2009). All of this is not fraud or looph...

11 Nov 2010
Innovation in Financial Services
Bo Harald

Productivity growth - desperately needed magic elixir

Very spot on article in The Economist. Some snippets (emphasis mine) and comments: - “productivity growth is the closest economics gets to a magic elixir, especially for ageing advanced economies” - p...

10 Nov 2010
Innovation in Financial Services
Bo Harald

Germany to simplify e-invoicing

The proposal states: “The requirement of authenticity and the integrity of the content will remain as abstract conditions for the sales tax approval of electronic invoices, but the other requirements ...

05 Nov 2010
Innovation in Financial Services
Bo Harald

From sending e-invoice to receiving payment in 30 minutes

AT SIBOS we heard Ossi Leikola of Nordea Bank describing how it is already today possible for an e-invoice sender to get his payment in less than 30 minutes after having sent the invoice - the target ...

04 Nov 2010
Innovation in Financial Services
Bo Harald

Linking e-invoicing to trade finance

http://www.swift.com/resources/documents/supply_trade_article_casterman_opinion.pdf André Casterman of SWIFT makes a good case for it in the enclosed article.

31 Oct 2010
Innovation in Financial Services
Bo Harald

Will banks do their part?

For most of us it is self-evident that unstructured invoicing is an anachronistic relic that will soon be history. It is also obvious that the solution to getting the enterprise mass market and consum...

31 Oct 2010
Innovation in Financial Services
Bo Harald

Will the European Commission pass the next test?

The first recent test was to find an automatic non-political tool - steering member states away from overspending and overborrowing. The test was passed with flying colors – but was put aside (for a w...

31 Oct 2010
Innovation in Financial Services
Bo Harald

A Digital Single Market - why and how?

DG Infosoc is gearing up activities under the Digital Single Market headline. When this is being rolled out it is important to ask the question: Why? The obvious answers are that large scale x-sector...

29 Sep 2010
Innovation in Financial Services
Bo Harald

Nobody promised you a rose garden

I went to a book publishing party yesterday. Wonderful book about interior design and life by extraordinary personality. Lots of cultural types around and good food. And as I am kind of known as Mr. e...

25 Sep 2010
Innovation in Financial Services
Bo Harald

Miserable public isolation

Reading OECD "Forum on tax administration:Taxpayer services sub-group" Survey Report (March 2010). "Why citizens don' use revenue bodies'/governments' e-service" Despite all the...

31 Aug 2010
Innovation in Financial Services
Bo Harald

Time for WHY not!

Once invoicing has migrated from paper and PDF to structured form - increasingly in the soon ready open global ISO standard - a wealth of productivity enhancing practices can be launched. Examples: -

22 Aug 2010
Innovation in Financial Services
Bo Harald

Addictive e-experience

I should have known - it is not possible to realize how good something can be before you get to use it. It is not quite possible either to see the next steps before you take the previous. Even if a go...

15 Aug 2010
Innovation in Financial Services

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