Join the Community

24,309
Expert opinions
40,842
Total members
355
New members (last 30 days)
216
New opinions (last 30 days)
29,356
Total comments

Latest expert opinions

clear
clear

70 Results from 2011

Bo Harald

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

Real Time Economy presentation

http://streams.metropolia.fi/old/MultimediaTech2010/bo_harald_1/

/payments Innovation in Financial Services

Bo Harald

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

Before and after elections

Will we still keep hearing this: “We do know what to do – but not how to be re-elected - if we do it” How can this be true? Assuming that the thing that should be done – things like cutting costs, borrowing less, deregulate here, regulate there etc – are good for society at large – and should in an objective analysis be done as soon as possible. W...

Bo Harald

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

Consumer e-invoicing 2004-10 in Sweden

Negative carrots have helped a lot: Noteworthy: - growth 11,9m - 14% of payments in Internet banks now e-invoice initiated - 34% of e-bank customers receive e-invoices

/payments Innovation in Financial Services

Bo Harald

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

In praise of negative carrots..

TeliaSonera (the leading Nordic telco) announced this week in Finland that they will increase the charge for sending paper invoices to corporate customers from 5 to 10€. Consumers are charged 1,90. This clear policy is for sure to be applauded – good for all parties (and big time for society at large) – for the following reasons: 1. The cost saving...

/payments Innovation in Financial Services

Bo Harald

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

e-id services - great growth in 2010

Wrote this last year: "So sensemaking to let citizens log in to public sector with e-bank log-on tools. 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. Several countries have already this so obviously beneficial public-pri...

/payments Innovation in Financial Services

Bo Harald

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

e-invoicing growth 2010 in Finland

2010 was a good growth year for e-invoicing using the Finvoice standard in Finland. 71% growth – now 14,4m (good bank statistics available). This would on EU-level equal 1 billion invoices. 1,1 million e-invoice requests-to-receive) were sent – EU equivalent would be 71m. Other formats (TEAPPS and Edifact ) exceed 100m in a conservative estimate. ...

/payments Innovation in Financial Services

Bo Harald

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

On our way to the Singularity

Ray Kurzweil eminently presents his views in this video. Singularity it will be – maybe not dramatically – like the Computer with its superior artificial intelligence having become so good at improving itself and its friends (with exponential speed) that It one day will stand up and say: “Thank you humans for having created me. I will take over fr...

/payments Innovation in Financial Services

Bo Harald

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

This is ISO20022 invoice message standard

Some confusion and negativism has been seen around the splendid progress in e-invoicing standardization. This text by Stig Korsgaard is very useful: “The following sets out the background and also the reasons why the ISO20022 Financial Invoice message standard under the ISO20022 standard was developed; what characteristic the final message standar

/payments Innovation in Financial Services

Bo Harald

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

Heavyweight support for global e-invoicing ISO standard

This is the global support from SWIFT that the market needs. As seen from the work with the Single European Payment Area it is necessary to get a network standard in place first – and then make the market create end-to-end harmonization. This will happen faster if enterprises using these services and regulators see and drive the big picture – and ...

/payments Innovation in Financial Services

Bo Harald

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

Rapidly growing E-Invoicing adoption rates

Snippets (emphasis mine) from Bruno Koch newsletter “Market development in 2010 was very dynamic, although I was somewhat over-optimistic in the case of Italy and Spain. I assumed that the Italian legislation (making electronic invoices compulsory for the public sector) would be ratified immediately. In Spain, while the suppliers’ obligations to...

/payments Innovation in Financial Services

Now Hiring