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Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Crusade against cash

I have written 380 blogs in Finextra since I was invited to join in 2008. Mostly about themes like e-banking, e-invoicing, e-id, e-salary, payments, the Single Market and lately more about the data-dr...

29 Dec 2018
Payments strategies 2015-2020-2030
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Is all data MyData?

All data is somebody's data. Not really owned - but somebody is having the often exclusive right to use it. Sometimes alone, sometimes together, sometimes the right to alter and delete it, sometimes n...

21 Dec 2018
Fintech innovation and startups
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Real Time Economy on EU top agenda

Loud and clear - Timmerman's horizontal responsibility (see page 40) https://ec.europa.eu/info/sites/info/files/refit-platform-opinions-v26november2018_en.pdf With GDPR and MyData.org gearing up we w...

15 Dec 2018
Fintech innovation and startups
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Return to sender

Serious message for senders of paper - or e-mailed invoices. Only structured invoicing and soon e-receipt data will automate accounting. Still work to do in many countries. Very clear message: https

05 Dec 2018
Digital Banking Trends
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Questions - often stupid.. on the long journey to the Fintech future at large - updated version

Questions on the long journey Summarizing milestones - my own experience mostly based on Fintech in Finland and the other Nordics. (Union Bank of Finland>Merita Bank>MeritaNordbanken>Nordea ...

18 Nov 2018
Digital Banking Trends
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Four big screens

The Real Time Economy Program in Finland (2006- ) did early on set goals like: - Real Time Tax reporting of salaries, pensions and social support (for salaries ready in 2019 - rest in 2020). Dividend...

14 Nov 2018
Data Management 101
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Two rivers becoming one..

The rapidly swelling data river (MyData, Big Data, Open Data, structured and unstructured) and the service design river namely. In the Real Time Economy program (2006-) we have seen important progres...

14 Nov 2018
Digital Banking Trends
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Economy of Real Time

In the quest for better productivity in the global markets we have been listing huge levers like: - Economy of Scale - still important - even if IT-processing costs have been coming down - Economy of ...

30 Oct 2018
Banking Strategy, Digital and Transformation
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

There are no corporate customers.. only Mr Same Guy

And no private customers either - just human customers in several roles. A legal person has btw never done anything. So remember this when you create services. Same user experience across roles - an

03 Oct 2018
Fintech innovation and startups
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

We need LSD..

SEPA, PSD2, GDPR etc where only the start. We need more EU and national regulation in the data economy. PSD2 means that there will be standardized access to money data for the application you empower....

15 Sep 2018
Banking Strategy, Digital and Transformation
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

It is only a question of time

It is only a question of time before all e-invoices, e-receipts, and payments are effected in Real Time - in standardised structured form. Why does it not happen faster? EU has been driving e-invoicin...

15 Sep 2018
Disruption in Retail Banking
Bo Harald
Bo Harald, Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Too civil civil servants

The public sector is increasingly outsourcing service production - and thus giving more space for the sector's management to do much more important work - policymaking, driving change, creating rulebo...

13 Sep 2018
Innovation in Financial Services

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