517 Results
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
We live in an increasingly fragmented reality and often enough it is difficult to see the full picture when trying to turn inventions into innovations. Very strong focus can be put on the many aspects needed to make new services take off - like general utility, clinically simple user interfaces, reusing excisting user experience and stressing envi...
09 June 2009 /payments Innovation in Financial Services
I wrote a letter to Santa last December and he seems to have taken it seriously at least with the most demanding present: "The second wish is a standard - more precisely a common and global standard that will fulfill both the needs of SMEs (being easy to use) and their frequently very large and sometimes bully trading partners who have a need...
28 May 2009 /payments
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 - that the staff cannot handle them any longer. This sad fact is not unique to the banking sector - many other sectors suffer from the same results of too ...
25 May 2009 /retail Transaction Banking
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-routines.html
18 May 2009 /payments
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 - it is also by definition leading to over-consumption. And what are we borrowing for? Is it for creating more sustainable structures and way of life?...
17 May 2009 /payments
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. And naturally the same tool when billing consumers and enterprises. A rising number of receivers are already starting to not-buy if e-invoice is not o...
11 May 2009 /payments
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. Anything else is bad service and slowing up adoption of more productive practises in both roles. This is especially important for SMEs - 23 million of them...
10 May 2009 /payments Innovation in Financial Services
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 everywhere. Also the 3rd party services - "connecting customers" - with services like e-id, e-signing contracts, e-commerce payments, e-invoicing,...
03 May 2009 /payments Transaction Banking
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 providers probably 20 000. What you can see from the usage is typical - first you sign them up - then after some delay (rather long as finance departm...
03 May 2009 /payments
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 tax payer's money and speeding up e-government as tools are familiar, trusted and much more convenient than any public-sector-only tool would be. Sever...
28 April 2009 /payments Innovation in Financial Services
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