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Bo Harald

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

No scanning please

When Denmark legislated against paper invoicing in the public sector (including municipalities) back in 2005 service providers (including banks) where not ready with easy solutions for the SMEs. The solution was that enterprises where told to go to the local post office to have invoices scanned. The state paid the cost. Many enterprises (worldwide...

/payments Innovation in Financial Services

Bo Harald

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

The biggest of them all

We read that PayPal is moving into e-invoicing. Natural step for anyone who wants to stay in the payments business = keep the funding and profitability transaction accounts offer. Some banks have not yet seen the need to make the choice - keep the profitable and stable funding intact or not. In the same news we also read: "Separately, the US ...

/payments Innovation in Financial Services

Bo Harald

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

Why is innovation so difficult in banks

I attended a very good innovation meeting last week and there one senior banker said that innovations in banks are so difficult because there is an obsession with business cases. No innovation investment is allowed to fail (is this attitude imported from credit risk evaluation?) and the endless business case argumentation actually puts innovative ...

/payments Innovation in Financial Services

Bo Harald

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

CUT 50

CUT 50 is the name of the next phase in the Real Time Economy program run in Finland since 2006. It stands for cutting SME administrative costs in half by 2014-15. The main building blocks are the following: 1. Implement the European Commission target to cut read tape so that 25% of the cost of this public sector related administrative burden can b...

/payments Innovation in Financial Services

Bo Harald

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

The good thing with standards.

https://www.ebaportal.eu/_Download/What's%20News/2011/ISO20022_Financial_Invoice_Factsheet.pdf The good thing with standards is - as many say - that there are so many of them. When it comes to e-invoicing we now have one which is global, highly capable, ready for use and open to all (in no way dominated by for example the banking sector - even if ...

/payments Innovation in Financial Services

Bo Harald

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

Five easy steps to national e-invoicing

We have recently experienced a surge in interest for global e-invoicing from multinational enterprises. This is not surprising - cost savings are so large - and the usual ice-hockey stick effect typical. And we should be very pleased that the ISO20022 e-invoicing message standard (built on UNCEFACT CII V2 content standard) is ready for global adop...

/payments Innovation in Financial Services

Bo Harald

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

National productivity programs - must-haves

In today´s global market place it is more than evident that most European countries need to take a really hard look at the competitiveness of their enterprises. This is naturally a multidimensional issue - education, innovation climate, workforce mobility, risk capital, bank lending, lower tax on work etc. One of the most critical issues is the hig...

/payments Innovation in Financial Services

Bo Harald

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

Banks taking responsibility - good show EBA!

“For several years, the Euro Banking Association (EBA) has been conducting an e-invoicing working group (EIWG), with the objective of contributing to the mass adoption of e-invoicing in Europe and of exploring the potential roles and opportunities for the banking industry.” Service Description & Rulebook’ document. “This document provides an ...

/payments Innovation in Financial Services

Bo Harald

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

Online banking is not ready

Online banking is not ready as long as users: - users have to type in loads of reference numbers, dates, amounts etc when paying bills - do not get mobile notifications when needed for too low or too high balances, transactions effected, invoices received etc - cannot approve proposals with mobile press “a” for affecting proposal (invoice payment, ...

/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.

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

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