553 Results
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
We all remember how delighted we were when the newborn Google was praised as a "database of intentions" which it of course was and is - on a scale that we could not imagine then. With Facebook now having 510 million visits a day! by 1,5 bn signed up, Whats Up at 0,9bn, Instagram at 0,4bn, Twitter at 0,3bn and any number of Tripadvisors a...
23 January 2016 Electronic invoicing
E-id as a bank service has been in place for soon 20-years in Finland and it serves especially well the public sector where strong e-id is often needed - but with low usage intensity. This means that a separate tool is both expensive and difficult to remember for users. Several other countries have taken the same route. But most have not - yet. W...
19 January 2016 /retail Innovation in Financial Services
Small countries have many disadvantages - small home markets, small languages, smaller skill pools and smaller resources - to mention a few. But they also have advantages - better opportunities for networking, smaller vested interest groups, better public-private co-operation, better agility - that they can benefit from - subject of course to havi...
11 January 2016 /payments /retail Innovation in Financial Services
The technology explosion is making so many new far reaching opportunities visible that new challenges have appeared or old ones have become even more challenging. The first that many of us meet in our innovation work is the difficulty to choose between exponentially growing alternatives. The second one is to get our audience to understand that de
12 November 2015 /payments Innovation in Financial Services
Banks in Finland had signed up 217 000 enterprises for sending e-invoices - and 234 000 for receiving at the end of 2014. Corresponding potential for EU: 15,7 and 16,8 million. 3,9 million consumers were signed up for receiving e-invoices. Corresponding EU-potential 280,8 million. The number of e-banking contracts exceeds the population in Finlan...
18 August 2015 Innovation in Financial Services
e-banking customers in Finland used their e-banking passwords 56,2 million times to log in to public sector and other non-banking services last year. Up from 47,1m. Finland is a small country - so it may be useful to multiply into a corresponding EU-potential = 4 billion times. Does this save tax payers' money? Does it save citizens nerves? Oh ye...
03 June 2015 Innovation in Financial Services
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...
03 June 2015
One picture says it all.
12 May 2015 /payments Innovation in Financial Services
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.
08 May 2015 /payments Innovation in Financial Services
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