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Bo Harald

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

Mr Same Guy - language collection..

Innovation in Financial Services

Bo Harald

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

There are no corporate customers.. only Mr Same Guy

And no private customers either - just human customers in several roles. A legal person has btw never done anything. So remember this when you create services. Same user experience across roles - and across services. Primary example is to allow use of e-banking codes as ID in other services that need a strong e-id - and then use them also for signi...

Bo Harald

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

The second pyramid - huge value

One picture says it all.

/payments Innovation in Financial Services

Bo Harald

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

We have to speed up the progression to full automation

Service to person - proactively suggesting (big data aided) things to do (and for receivers to accept in mobile phones and other devices) is an important step. But automated service to service is on obvious area to target already now.

/payments Innovation in Financial Services

Bo Harald

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

In a small country you can advance faster

Very topical blogpost here: http://perspectives.tieto.com/blog/2015/03/challenge-blog-post-real-time-economy/

/payments Innovation in Financial Services

Bo Harald

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

Step by step to a Real Time Economy

Never has there been more opportunities to build new ecosystems and infrastructures - and interconnect them. A very interesting aspect in this work is to see how one new or improved ecosystem is acting as a lever for other ecosystems. Examples: - payments for e-banking, - e-banking for e-id, e-id for e-signatures - e-banking for e-invoicing, e-invo...

Innovation in Financial Services

Bo Harald

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

I am sure. Very sure.

Taking the previous blog forward - asking myself questions - and moving the horizontal slider to the right when considering an issue important (in this case for banks) - and the vertical slider up when being surer. 1. Is the stable and cheap funding created by transaction accounts (private & corporate) important (full score for most banks)? H...

/payments Innovation in Financial Services

Bo Harald

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

Are you sure? How sure?

I have the privilige to act as chairman for a young company http://www.zef.fi/en/home/ The company's WHY - mission - is very clear: helping people to make decisions - better decisions - all over the place. There is an exponentially growing need for this as the information overflow continues to grow exponentially. So does the number of devices, apps...

Innovation in Financial Services

Bo Harald

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

The key to progress is change

Change in human behavior - to be precise. Only when the next person is changing his/her behavior does innovation actually materialize. This is probably too self evident. Also that change is both enabled and driven by exponentially more capable IT. We need something to change into. Simplified - experienced - roadmap: 1. Create service or tool that ...

/payments Innovation in Financial Services

Bo Harald

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

2015 - towards 100pct e-invoicing

There is a fair chance that structured e-invoicing (not e-mailed pdfs) will get close to 100% at least in Finland this year. Then I mean share of enterprises that use e-invoicing more or less. The reason for this optimism is: 1. There are some 300 000 enterprises - and service providers have signed up close to 350 000 (banks have the lions share of...

Innovation in Financial Services

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