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Bo Harald

Internet users are addicted..

When arguing for e-banking as the main service channel it is also important to take note that like in Finland age groups up to 45 are all there http://boharald.blogspot.com/2009/10/internet-users-by-a...

10 Oct 2009
Bo Harald

Old folks in America showing the way

It may still be necessary to stress the need to develop e-banking as the main channel - from first, through second to third generation services (described here in previous posts). Counterarguments ma...

10 Oct 2009
Innovation in Financial Services
Bo Harald

Next steps - on e-invoicing platform - in one picture

Could this be the order? 1. see the big picture - exciting to say the least 2. get the fundament in place - fast before the market is hopelessly fragmented 3. bold steps to migrate (deadlines for unst...

04 Oct 2009
Innovation in Financial Services
Bo Harald

e-banking in the old days...

In the old days - especially in the 80s before Internet - e-banking was seen as a supplementary channel - in addition to branches and contact centres. Today it is the main channel for almost all serv...

30 Sep 2009
Innovation in Financial Services
Bo Harald

Real action by Stoiber

If you can lower the treshold to e-invoicing - as suggested below (emphasis mine) - you can automate accounting, public sector reporting, further the single market and much more. Then EU and member st...

22 Sep 2009
Innovation in Financial Services
Bo Harald

Widening Adoption Gap

Technology is not the narrow sector - it is amply on offer - and the costs are going from low to lower. Technology enables "anything" and in most cases the utility is evident. The adoption g...

20 Sep 2009
Innovation in Financial Services
Bo Harald

Four Economics

Banks should move up the order-to-payment value chain from payments and down the payment-to-accounting value chain - before invaders move down or up into the payment business. The reasons are fundamen...

19 Sep 2009
Innovation in Financial Services
Bo Harald

High Level Group spot on

EUROPEAN COMMISSION - High Level Group of Independent Stakeholders on Administrative Burdens exerpts from OPINION OF THE HIGH LEVEL GROUP "The VAT Directive explicitly allows the use of electroni...

18 Sep 2009
Transaction Banking
Bo Harald

Happy Confluence !

As we heard from Stig Korsgaard at SIBOS there a rather unique happy confluence has been arrived at as: 1. The EC Expert Group on e-Invoicing turned to UNCEFACT to get a global e-invoicing standard t...

18 Sep 2009
Innovation in Financial Services
Bo Harald

Monday at 12.15 at SIBOS in Hong Kong

Extended payments - everything is the same presentation at Open Theatre Synopsis: 1. Up the value chain - new value = new revenues for banking sector 2. Four economics 3. Three neutralities 4. Twoside...

14 Sep 2009
Innovation in Financial Services
Bo Harald

Not unexpected in China

China has shown what can be done when you are determined in many fields - from infra to business to high tech. In EU we need much more levers to get the obvious things happening. Cash is costing merch...

09 Sep 2009
Innovation in Financial Services
Bo Harald

Rocket stage reached..

Typical e-invoicing transaction trend in Finland: http://boharald.blogspot.com/2009/09/e-invoicing-transactions-taking-off.html The shape of this curve reminds me of the development of e-banking trans...

08 Sep 2009
Innovation in Financial Services

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