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Bo Harald

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

In praise of NEGATIVE carrots...reissued

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. This clear policy is for sure to be applauded – good for all parties (and big time for society at large) – for the following reasons: 1. The cost savi

/payments Innovation in Financial Services

Bo Harald

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

Anti-interoperability

We keep hearing from enraged enterprises that some e-invoicing service providers still continue with their old 3-corner strategy > signing up big invoice reveivers and trying to force suppliers to sign up with this particular service provider. Especially angry comments come from those who already have a functioning relationship for their large v...

/payments Innovation in Financial Services

Bo Harald

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

Give citizens a choice - and this is what they choose

Strong e-id is often needed when logging in also to non-banking services. Reusing bank e-id also there - especially in the public sector - is something of the most sensemaking aspects of also otherwise much needed public-private co-operation. 2011 was a great year for bank e-id (TUPAS) - the alternative (a state issued smartcard) is not used at al...

/payments Innovation in Financial Services

Bo Harald

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

My name is Guy. Same Guy. Reissued

My name is Guy. Mr Same Guy. I show up in as a so called private customer off hours, then during working hours as a corporate customer, as a citizen in public sector services and often also as a member of associations, clubs etc. My point is that there are no corporate customers, no private customers, no citizens etc - only human customers or users...

/payments Innovation in Financial Services

Bo Harald

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

Letter to Santa Claus - reissued

Europe 17.12.2008 Dear Santa, We have been really nice, technology-neutral and hardworking Experts this year and look forward to You bringing us a few presents to play around with in 2009. The first wish is a book - more precisely a handbook. We namely wrote a letter to the EU Commission in July and asked for Equal Treatment of paper and e-invoici...

/payments Innovation in Financial Services

Bo Harald

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

EU - to save tax payer's money

Snippets from multistake holder meeting “· The European Council called for actions to encourage the uptake of e-invoicing in the EU and the European Parliament issued a resolution which calls for making e-invoicing mandatory in public procurement by 2016. Einvoicing is seen as a potential source of significant savings for European public authoritie...

/payments Innovation in Financial Services

Bo Harald

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

Mr Same Guy - yesterday, today and tomorrow

1. Mr Same Guy yesterday. In the old days – when we launched PC-banking for SMEs and private customers (1982) at Union Bank of Finland we lived with the false impression that we had private and corporate customers – when we defacto only had human customers – in different roles. As a result the user experience was not similar enough across roles. Th...

/payments Innovation in Financial Services

Bo Harald

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

e-Invoicing is not a goal in itself

E-invoicing as such does not save the 250bn/year cost. It is an enabler - and that is why the focus should move to the next layers. Experts tend to dig so deep into details that they forget to communicate the big picture. What is the WHY for e-Invoicing? From the EC Expert Group angle the targets are clear: 1. Improve enterprise competitiveness. S...

/payments Innovation in Financial Services

Bo Harald

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

Final words on authenticity and integrity

A panel discussion at EXPP made it clear that further clarification is needed to make it clear what the EU Commission means with equal treatment of paper and e-invoicing. The VAT directive states that business controls are sufficient. Now people ask what does that mean? What kind of business controls? The best way to fend off scare mongering - is ...

/payments Innovation in Financial Services

Bo Harald

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

Wasting tax payer's money until 2020?

Most governments are trying hard to save tax payer’s money – and even more importantly trying to push the SME-sector into digital processes and financial administration. But still too many in EU seem too signal that 2020 is a deadline for unstructured invoicing. More here: http://eeiplatform.com/8528/an-overview-56-government-e-invoicing-initiative...

/payments Innovation in Financial Services

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