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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
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Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData
Extended payments - everything is the same presentation at Open Theatre Synopsis: 1. Up the value chain - new value = new revenues for banking sector 2. Four economics 3. Three neutralities 4. Twosided networks 5. One generic messaging platform 6. It is all the same - infinite opportunities
14 September 2009 /payments
Retired Member
Never, in thirteen years in this industry, would I have predicted that a US President would talk about withholding tax and use the term “QI” (qualified intermediary) in a public forum, let alone formally target foreign banks and inward investors, as well his own residents with dramatic changes to tax policy that could create a “perfect storm” for
10 September 2009 /sibos
China has shown what can be done when you are determined in many fields - from infra to business to high tech. In EU we need much more levers to get the obvious things happening. Cash is costing merchants some 50 €billion per year - and of course every cent of this is paid by the consumer. Transparent pricing would show it to him -and help him to m...
09 September 2009 /payments
Typical e-invoicing transaction trend in Finland: http://boharald.blogspot.com/2009/09/e-invoicing-transactions-taking-off.html The shape of this curve reminds me of the development of e-banking transactions back in the 80s - first you sign up the customers - then you have to wait, and then wait, and wait - and then it takes off like a rocket - vir...
08 September 2009 /payments
Another area where public-private partnership at some point may have had challenges is e-invoicing. Some have seen a danger that the PEPPOL-pilot for public sector procurement in EU will lead to the public sector only accepting e-invoices in the UBL-format - at the same time as UNCEFACT/TBG1 is finalizing the user guidelines for Cross Industry Inv...
06 September 2009 /payments
We are seeing a growing realization that there is no public sector - or private sector for that part - from a citizens point of view - only services produced somewhere (even if they are subject to policy making and regulation from the public sector - really important task that should not be disturbed by service production). The all-important thin...
06 September 2009 /retail
AaaS - Advertising as a Service is not a service like Saas (Software as a Service) - it is a mindset whose time has come. Consumers are increasingly aware of the fact that they in fact pay the cost of advertising themselves - and that is one more reason why anything intruding, tasteless, meaningless or expensive may turn them against the message....
03 September 2009 /retail
Uri Rivner CEO and Co-Founder at Refine Intelligence
As befitting its name, Zeus – King of Gods - is the most powerful Trojan kit on earth. Some Trojans you cannot buy – take Sinowal, for instance; it’s a commercial grade infrastructure featuring a state of the art Trojan. It’s operated by an organized crime group that invests back in the business. You won’t find Sinowal as a kit for sale. But w
28 August 2009 /security
Depending on your outlook on life you're either looking at things and saying "Oh no...our world is changing again. Or for the optimists; "oh yeah...our world is changing again. Or for the realists; "oh...our world is changing again." Perhaps the changes are not as dramatic as the world envisioned in District 9 but they are ch...
25 August 2009 /wholesale
We should be today promoting common-sensical solutions for sense-making business. Are we? Maybe not… at least not often enough. The socio-technical landscape has changed so fast and we are still prisoners of quarterly capitalism (trying to create value for shareholders now staying for an average of 10 months), corporate governance models from the
23 August 2009 /retail
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