Latest opinions that Bo Harald has shared on Finextra

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Bo Harald

Chairman/Founding member, board member

Trust Infra for Real Time Economy Prgrm & MyData,

Member since

04 Nov 2008

Location

Helsinki Region

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Bo's opinions

It is not the invoice...

Slap any number of digital signatures on an electronic invoice and still you cannot guarantee any integrity and authenticity. The legal harmonization debate in EU is unfortunately still wrongly focusing on this one document. The answer is in the holistic business process - when the (any form of) invoice has arrived and VAT auditors understandably f...

11 July 2009 /payments

Want to save 1 billion litres of gasoline?

Well that is easy - just ask the average European to act so that 2 litres less is used - a year. Should not be difficult - and one could in the same go throw in other fossile fuels and CO2 generation (80% of energy being fossile based in the world) - again not meaning much to the average person. But that is also the dilemma - as so little money an...

05 July 2009 /payments

Illiterates in Sweden

The Swedish IT-association estimates that some 2 million Swedes are not part of the IT-based society. One million of these are said to be more or less IT-illiterate. That is well above 10% and not acceptable as so much of public and private services have moved to the net. As a step to mitigate the problem an education package has been created. Ann...

28 June 2009 /retail

See beyond the core..

Many enterprises have seen that focusing only on the core may be detrimental as there are few examples that this has created innovation based growth. This does not mean that routine tasks, that can be outsourced, should not increasingly be. Outsourcing has been an early and is in the context of the networked economy an even more natural step. Once ...

28 June 2009 /payments Innovation in Financial Services

Game-changing Innovation

" The role of the innovator is to meet customers on their terms as human beings.The goal of the innovator is to empower your customers to realize the change they want to see in the world." Paco Underhill I like the statement - especially "on terms as human beings" - which I interpret as holistic but simple answers to practises i...

28 June 2009 /payments Innovation in Financial Services

Integrity and authenticity - give me a break

The target for the EU Commission is to cut the costs of SMEs caused by complicating legislation with 25% before 2012. As SMEs generate 60- 70% of all turnover in EU, this is the obvious thing to do to improve competitiveness. The most important productivity area to address is now fast and easy migration from inefficient and sometimes insecure paper...

27 June 2009 /payments

Are we THAT different?

Read Computer Sweden column by Joakim de Leeuw - innovation manager at SEB in Sweden. Reflections: Digital natives and digital immigrants are said to be virtually different races. As a rapidly growing proportion of customers and employees are born into the digital world it is important to understand the possibly even fundamental difference. How dif...

25 June 2009 /retail

What is a friend worth?

Interesting article in Business Week. Not much new perhaps - but crystallizing. Goes as follows: - digital friendship speak volumes about us as consumers (my focus here) and workers - defining the value of these relationships has become a "defining" cahllenge for businesses.. - marketers are finding that if your friend buys something ther...

20 June 2009 /retail

Half baked efforts..

We live in an increasingly fragmented reality and often enough it is difficult to see the full picture when trying to turn inventions into innovations. Very strong focus can be put on the many aspects needed to make new services take off - like general utility, clinically simple user interfaces, reusing excisting user experience and stressing envi...

09 June 2009 /payments Innovation in Financial Services

Santa delivering...

I wrote a letter to Santa last December and he seems to have taken it seriously at least with the most demanding present: "The second wish is a standard - more precisely a common and global standard that will fulfill both the needs of SMEs (being easy to use) and their frequently very large and sometimes bully trading partners who have a need...

28 May 2009 /payments

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