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Bo Harald - ZEF Solutions - Esbo | 13/10/2011 | 3524 views

Miserable public isolation - who is holding back?

Who is holding back - governments or banks? Needed for accelerating citizens' use of government e-services: 1. That the public sector realizes that it is not the only service citizens use - and in fact one of the most infrequently used and then 2. allows and encourages citizens to use the so frequently used familiar and secure e-banking log-in-i... Tags: Security, Online bankingGroup: Innovation in Financial Services

Bo Harald - ZEF Solutions - Esbo | 11/10/2011 | 1518 views | 1 comment

Reflections on blogs and blogs

I got the half a million pageview message and looked into what I wrote in early 2010: " "I have been writing blogs for about 3 years and it is helping me to get some messages and information out to partners, customers, students, researchers and others who share the networked economy passion. About a year ago I was invited by finextra to start blo... Tags: Online banking, PaymentsGroup: Innovation in Financial Services

Bo Harald - ZEF Solutions - Esbo | 09/10/2011 | 2567 views | 1 comment

Everybody should have the right to a bank account

The right - and the obligation to open one (fees are normally not high). No salary should be paid in cash - and social benefits only to accounts. How much could be saved - and how much crime avoided. In the past banks did turn down customers who were considered risky and being unprofitable. With direct debit cards and automation the risks and cost... Tags: Cards, PaymentsGroup: Transaction Banking

Bo Harald - ZEF Solutions - Esbo | 08/10/2011 | 2616 views

What we would do differently today

If launching e-Invoicing today: 1. The SME-sector’s organizations were not involved strongly enough in the beginning. They should have been co-owners of the productivity issue with e-invoicing and thus taking responsibility to tell enterprises that it is not only cost-saving in the core invoicing and payment process – but an innovati... Tags: Online banking, PaymentsGroup: Innovation in Financial Services

Bo Harald - ZEF Solutions - Esbo | 02/10/2011 | 2411 views | 1 comment

What we did right

What we (collectively) did right when launching e-invoicing in Finland and recommend: 1. Banks joined collectively with invoice portals and file transfer > payment automation was improved, financing aspects added and non-bank service providers were much invigorated. Only banks have the capability and business case to sign up the SME-sector qui... Tags: Online banking, PaymentsGroup: Innovation in Financial Services