517 Results
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
AaaS - Advertising as a Service is not a service like Saas (Software as a Service) - it is a mindset whose time has come. Consumers are increasingly aware of the fact that they in fact pay the cost of advertising themselves - and that is one more reason why anything intruding, tasteless, meaningless or expensive may turn them against the message....
03 September 2009 /retail Innovation in Financial Services
We should be today promoting common-sensical solutions for sense-making business. Are we? Maybe not… at least not often enough. The socio-technical landscape has changed so fast and we are still prisoners of quarterly capitalism (trying to create value for shareholders now staying for an average of 10 months), corporate governance models from the
23 August 2009 /retail Innovation in Financial Services
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...
22 August 2009 /payments Innovation in Financial Services
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...
15 August 2009 /payments Innovation in Financial Services
Interesting paper by Tim O'Reilly and John Batelle titled web squared. Starts out by describing how the Web 2.0 "network as a platform" enables applications that get better the more people use them with network effects acquiring users - then learning from them and building on their contributions. Web 2.0 is all about "harnessing co...
11 August 2009 /retail Innovation in Financial Services
This was the famous statement - allegedly by Chrusjtjov viewing a combined harvester demo at a sovhos. It came to my mind when reading the often so eminent Economist - now the "Modern Economy Theory" July 18th article. Without going into any interesting detail on this or on the rebutting views by Robert Lucas (Aug 6th) I think that we ha...
09 August 2009 /retail /wholesale
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 ...
04 August 2009 /payments Innovation in Financial Services
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....
31 July 2009 /payments Transaction Banking
Potentially useful repository in Business Week.The Real Time Economy Community site is still second to none - especially as we are in the next phase moving to automated real time accounting - starting from SMEs.
22 July 2009 /payments
I wrote this blog post back in 2007 and keep coming back to the theme rather often. As said there - business should morally embrace the need for regulation - it cannot be avoided - be it the environment, health business, financial engineering etc.Resisting it is a sure way for making it worse - joining forces with the democratic institutions give...
22 July 2009 /retail
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