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Bo Harald

First billion passed..

With 40% speed

20 Jun 2010
Innovation in Financial Services
Bo Harald

If I would be a banker..

If I would be a banker these days (I used to be one – for 30 years – in what is now known as Nordea Bank) I would be worried about quite a few things. Coming from the Nordics - it would not be so muc...

17 Jun 2010
Innovation in Financial Services
Bo Harald

Sustainable market growth in Norway

Message from Bruno Koch: “After reading the great E-Invoicing figures for the Swedish market we published in our previous newsletter, Norwegian colleagues reacted promptly and provided me with their o...

15 Jun 2010
Innovation in Financial Services
Bo Harald

The future of Direct Debit - e-invoicing with standing order

Direct debit has been a handy way of getting consumer payments collected in the past. Now – with the help of e-banking and e-invoicing it is time to ask how much more could be achieved with a proper –...

13 Jun 2010
Innovation in Financial Services
Bo Harald

3,5 million accountants in Russia

The ECR e-invoicing conference in Moscow last week was told that out of a population of 141 million 3,5 million work as accountants. This may be explained by the information mentioned that some 12 bil...

07 Jun 2010
Innovation in Financial Services
Bo Harald

Which Innovations will drive growth in Payments business?

Very clear message in survey by Equens, IBM and Frauenhofer

26 May 2010
Innovation in Financial Services
Bo Harald

Expectation-surge from corporate customers

Equens and a number of partners (Fraunhofer, IBM etc.) do a regular survey on what banks, customers etc. want in payments, innovations etc. The attached chart from the results (published yesterday) is...

20 May 2010
Innovation in Financial Services
Bo Harald

Signposts for the road to a networked economy

Two videos (week 18) with signposts on the road to a networked real time economy.

16 May 2010
Innovation in Financial Services
Bo Harald

The end of the beginning..

Preface to Final Report “Europe is facing major challenges in the coming years as its enterprises and public sector need to become both significantly more productive and environmentally friendly. Thes...

09 May 2010
Innovation in Financial Services
Bo Harald

e-banking STILL growing strongly in Finland

We have been expecting a leveling out in the transaction growth for some time – but 2009 was still a year of strong growth. The fact that 4,9m out ouf 5,5m citizens are signed up can partly be explain...

04 May 2010
Innovation in Financial Services
Bo Harald

e-id and e-payment progress in 2009 - Finland

Bank e-id serve the entire public sector (in several other countries as well) and eliminates the need for expensive and user-un-friendly one-purpose-smart-card solutions (also non-bank customers have ...

03 May 2010
Innovation in Financial Services
Bo Harald

It all boils down to change resistance

I have the privilage to work with innovation streams in several areas and have lately seen the following elements as pivotal: 1. Do we have the capability to create a strong enough vision for the need...

02 May 2010
Innovation in Financial Services

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