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Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Bo Harald

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

If you do not know where you are going - any road will do..

If you do not know where you are going - any road will do..This springs to mind when witnessing the plethora of alternatives created by today's technology and fragmented doings of both natives and immigrants on the Internet and in general. Innovators are well aware of the growing NEED to innovate both for enterprise survival and for national compet...

/retail

Bo Harald

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

I cannot see around the corner..

Too often I tend to forget that I cannot see around the corner. This means that I am spending too much time in trying to imagine the future. Instead I should take my vision and passion and go around the corner - as almost always before there is something unexpectedly simple and positive waiting. Take the example of e-invoicing. We did have the feel...

/payments

Nick Ogden

Nick Ogden Chairman at Ogden Research

Time to cheque out for Christmas

As we sit back and relax this Christmas a topic of conversation that is likely to rear its head over the festive Ogden dinner table will likely be the demise of the cheque. With several generations at the table it will be interesting to hear the different perspectives and reactions to the news, especially between the grandchildren and grandparent

/payments

Bo Harald

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

Republic of Finland - exemplary action

The State Treasury sent out letters to 16 000 suppliers to the public sector last week to remind them of the fact that only electronic invoices will be accepted as of 1.1.2010. The deadline for paper and unstructured PDF was announced already in the beginning of 2009 - and hinted to much earlier - so there has been time to take widely available low...

/payments

Bo Harald

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

Happy end for SME-tale in sight - if banks do their part..

We often hear the tragic tale about the SME-sector. Nobody is really interested in them and is competing for their business. Not the banks, not insurance companies, not the accounting profession, not telecom and so forth. The answer is simple - as they are so small they have small volumes = low transaction, financing, insurable and wealth volumes =...

/payments /retail

Bo Harald

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

Too civil civil servants

The public sector is increasingly outsourcing service production - and thus giving more space for the sector's management to do much more important work - policy making, driving change, creating rulebooks and so forth. This is for sure a much needed shift in attention and should be welcomed also by business - especially as we all experience the sam...

Bo Harald

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

From division of labour to interactive value creation

Teemu Arina drew my attention to Esko Kilpi's blog and I picked out extensive quotes (emphasis mine) - full post certainly worth reading: "Division of labour reduces organizational effort and cost of work. Division of labour also increases the quality of efforts through specialization. For this reason all societies and all enterprises are hea...

Bo Harald

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

Final report - roadmap to paradigmatic platform

It took some time - 26 full days of meetings and countless telephone conferences to get this report in place. But it was time well spent as the iteration rounds unified the opinions, fully supported the EU VAT directive for equal treatment of paper and e-invoices and above all underlined the fact that EU cannot afford to delay the migration - so ...

Bo Harald

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

Germany: E-Invoicing as part of the coalition contract

Quote from Bruno Koch's newsletter "The newly elected German Government plans to accelerate use of electronic invoices in Germany by removing barriers hindering their adoption. E-Invoicing is to be enabled in a more unbureaucratic manner. The author of this newsletter will keep you informed about future decisions and development." My co

/payments

Retired Member

Retired Member 

Maths to Money - Quantitative Investment

I attended the Quant Invest 2009 event for the first time last week in Paris. The event is all about quantitative investment strategies with an institutional asset manager and hedge fund focus - so not so much about ultra-high frequency trading (although some present) but more about using quantitative techniques to manage investment decisions and ...

/regulation /wholesale

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