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Bo Harald

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

EBA on e-invoicing

https://www.ebaportal.eu/link.aspx?PageGuid=388a67b9-584e-4c96-8c76-0aa3fe341dbc

/payments Innovation in Financial Services

Bo Harald

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

e-government checklist - expanded

A lot of strategy papers have been written and inititiaves launched to further e-government. The topic is important - for enterprises competitiveness and tax payers. But too often these programs tend to become lengthy letters to Santa Claus - thus not having the needed focus on what is really important and also isolating public sector services and ...

/payments Innovation in Financial Services

Bo Harald

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

Progressive Kazakhstan - how about your country?

Kazakhstan is moving to e-invoicing with the help of the needed deadline for paper: http://bx.businessweek.com/e-invoicing/view?url=http%3A%2F%2Fwww.sharedserviceslink.com%2Ffile%2F93958%2Fe-invoicing-in-kazakhstan-from-2012.html The progressive club with public sector deadlines now include 11 countries (in some sort of chronological order of annou...

/payments Innovation in Financial Services

Bo Harald

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

When will your country become e-id-progressive?

Canada joining the self-evident model - reuse what citizens already are used to, is secure and saves tons of tax payers money. https://www.finextra.com/news/fullstory.aspx?newsitemid=23132 When will your country join? If not soon - why not? Miserable public isolation: https://www.finextra.com/blogs/fullblog.aspx?blogid=5932 and earlier post: https...

/payments Innovation in Financial Services

Bo Harald

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

The high cost of cash

We have elected and pay for decision makers and regulators. Sometimes I get the impression that they try to govern as little as possible in important areas and overcompensate with irritating nitty-gritty. An area where actions certainly is needing is in the fight against cash usage - at least for the following reasons: 1. Cash is expensive - accor...

/payments

Bo Harald

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

Miserable public isolation - who is holding back?

Who is holding back - governments or banks? Needed for accelerating citizens' use of government e-services: 1. That the public sector realizes that it is not the only service citizens use - and in fact one of the most infrequently used and then 2. allows and encourages citizens to use the so frequently used familiar and secure e-banking log-in-id a...

/security Innovation in Financial Services

Bo Harald

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

Reflections on blogs and blogs

I got the half a million pageview message and looked into what I wrote in early 2010: " "I have been writing blogs for about 3 years and it is helping me to get some messages and information out to partners, customers, students, researchers and others who share the networked economy passion. About a year ago I was invited by finextra to ...

/payments Innovation in Financial Services

Bo Harald

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

Everybody should have the right to a bank account

The right - and the obligation to open one (fees are normally not high). No salary should be paid in cash - and social benefits only to accounts. How much could be saved - and how much crime avoided. In the past banks did turn down customers who were considered risky and being unprofitable. With direct debit cards and automation the risks and costs...

/payments Transaction Banking

Bo Harald

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

What we would do differently today

If launching e-Invoicing today: 1. The SME-sector’s organizations were not involved strongly enough in the beginning. They should have been co-owners of the productivity issue with e-invoicing and thus taking responsibility to tell enterprises that it is not only cost-saving in the core invoicing and payment process – but an innovation platform ...

/payments Innovation in Financial Services

Bo Harald

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

What we did right

What we (collectively) did right when launching e-invoicing in Finland and recommend: 1. Banks joined collectively with invoice portals and file transfer > payment automation was improved, financing aspects added and non-bank service providers were much invigorated. Only banks have the capability and business case to sign up the SME-sector qui...

/payments Innovation in Financial Services

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