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Bo Harald

e-id services and e-commerce payments 2010 in Finland

Excellent growth figures - on EU levels the e-id volume would be 1,5bn. All public sector id-transactions are presently done by banks. This is extremely cost efficient (economy of reuse) and naturally...

24 Apr 2011
Innovation in Financial Services
Bo Harald

Amazing e-banking growth - again

I would have thought the transaction growth would have petered out in Finland - when most customers have used it for years - and now there are 5,2m e-banking contracts (a population of 5,4m and some p...

24 Apr 2011
Innovation in Financial Services
Bo Harald

Real Time Economy presentation

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

18 Apr 2011
Innovation in Financial Services
Bo Harald

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, bo...

08 Apr 2011
Bo Harald

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

01 Apr 2011
Innovation in Financial Services
Bo Harald

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. Th...

01 Apr 2011
Innovation in Financial Services
Bo Harald

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 familia...

29 Mar 2011
Innovation in Financial Services
Bo Harald

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 millio...

28 Mar 2011
Innovation in Financial Services
Bo Harald

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 improvi...

26 Mar 2011
Innovation in Financial Services
Bo Harald

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 th

21 Mar 2011
Innovation in Financial Services
Bo Harald

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 m...

11 Mar 2011
Innovation in Financial Services
Bo Harald

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 l...

09 Mar 2011
Innovation in Financial Services

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