Join the Community

23,320
Expert opinions
42,503
Total members
339
New members (last 30 days)
180
New opinions (last 30 days)
29,094
Total comments

Latest expert opinions

clear
clear

206 Results from 2009, /payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

54 billions in Germany - too much or not enough?

Deutsche Bank Research report came out with this cost saving figure - referring to research at Hanover University. Is it too much - or not enough? The answer is yes... 1. If you only think about cost savings achieved with dematerialization of paper (30 billion invoices and envelopes on EU level a year..) and saving stamps the estimate looks far t...

/payments Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Innovation - automating accounting for 20m enterprises..

The EC drive to reduce administrative costs by 25% in SMEs by 2012 is surely worth all support - especially as SMEs represent 63% of turnover. But it is not possible to achieve this goal without moving resolutely into the accounting area - reporting to autorities can be streamlined with the same tools. We now see a quite clear road to how this - a...

/payments Innovation in Financial Services

Aashish Sharma

Aashish Sharma Operations Director at Emotion Associates

Increasing competition bringing greater rewards to consumers

Not a surprise at all since Caxton FX dropped the atm rates on the Caxton FX prepaid card to zero as well last month and we had forseen that this would have happened with other FX providers too. I can quite see Rational fx, Fair fx and a few others will follow suit soon as they make money on the FX element for international withdrawals anyway. I t...

/payments

Retired Member

Retired Member 

Has Visa Europe missed a trick

Organisations in the financial services sector are finally realising the potential of SMS technology to improve their customer service offering, enabling access to real-time information and to guard against fraudulent activity. This latest service from Visa Europe will certainly bring benefits to its cardholders, but it does not complete the circle...

/payments

George Ravich

George Ravich President at Ravco Marketing, LLC

A silver lining with a smile?

Of course the silver lining had to show up at some point – at our recent US client conference, we surveyed 80 mid-sized US banks and 75% agreed that the credit crunch is presenting real and “unprecedented” opportunities for transaction banking business growth. That’s a strong rallying call and perhaps not entirely surprising when we have seen the ...

/payments /sibos Transaction Banking

Retired Member

Retired Member 

Will the recession affect opinions towards rip and replace?

The big question Rip and replace has sparked business debate for many years. Long-established core systems continue to age and with tightening budgets and a fast moving business landscape the decisions around if and when to replace them are now harder than ever. Choosing whether to rip and replace, or to optimise the technology that you already h...

/payments /sibos Financial Supply Chain

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Dream scenario for VAT auditing

Making life easier and work more productive for SMEs in EU is a central goal for EU and most member states. More productive SMEs means more productive large enterprises and lower cost for the public sector (equals lower tax pressure and thus again better productivity and competitive position - less inclination towards protectionism). Now there is ...

/payments Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

54 Billion reasons in Germany

From Deutsche Bank report: “the bulk of the companies [SMEs in Germany] squander the sizeable efficiency gains that come with the introduction of digital invoices. According to estimates by researchers at the University of Hannover, the German economy offers total cost-savings potential of around EUR 54 bn, mainly in more efficient processes, i.e....

/payments Transaction Banking

Retired Member

Retired Member 

It's not the Mistake, it's the Response that Counts

Everyone makes mistakes; individuals, small businesses, large corporations and even government agencies. ( I made a mistake while drafting this blog and hit publish before finishing it--so if you're reading it and there are only 3 paragraphs--that's why). It's a fact of life and most of us handle it well. We call hoping for a human voice, write...

/payments Transaction Banking

Retired Member

Retired Member 

Banking on Innovation

To innovate successfully in the financial services landscape a strong, profitable business case is an imperative. In these uncertain economic times, banks will look more than ever for business models that have already proven their initial success and have the potential to be developed further when combined with the bank's unique assets and compet...

/payments

Now Hiring