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We are now also reading in the press what we already knew before - bank "products" have been made so complicated and have versioned into so many nearly-but-not-quite-the-same offerings - tha...
It is not the recession - it is the demographic challenge - not enough people in working age -as demonstrated in this EU-produced chart: http://boharald.blogspot.com/2008/05/need-to-automate-away-rou...
We are now in the process of expanding the public debt - in our childrens' name - beyond previously imagined boundaries. Apart from being a questionable practise to use much more money than you earn ...
Check progress here: http://boharald.blogspot.com/2009/05/consumer-e-invoicing-making-great.html Really important to provide same user experience for private-role and SME-role receivers and senders. ...
There are no "private customers" either.. Only human customers in different roles. And they surely deserve to be served with similar tools, logic and language irrespective of the role. Anyth...
Check progress here: http://boharald.blogspot.com/2009/05/e-banking-and-payments-in-finland.html Not bad for population of 5,3 million - but then we started in 1982..This will naturally happen everyw...
Check progress here: http://boharald.blogspot.com/2009/04/first-you-sign-them-up.html There are some 220 000 enterprises in Finland - by now banks have signed up an estimated 120 000 - other service p...
So sensemaking to let citizens log in to public sector with e-bank log-on tools. Check statistics here: http://boharald.blogspot.com/2009/04/e-id-making-great-progress.html This is so saving both ta...
We are at critical point in our economy - businesses are struggling, public debt is soaring, many banks need support,tax increases are threatening, unemployment is on the rise, budget cuts eat into p...
We have in the EU Commission Expert Group on e-Invoicing seen a constant need to stress that the migration away from manual invoicing can only happen if it based on the simplest possible concepts - ot...
I have lately been busy with a new focus on innovations. We now have more ingredients for doing more new things and old things differently with technology than ever before. Recessions are often the ti...
Google was developed through the bust. Facebook was developed through the bust. And they are not the last ones - good ideas will be bottled up and released with vigor very soon. Interesting intervi