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Bo Harald

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

Real time Economy on Facebook

https://www.facebook.com/pages/Real-Time-Economy-Program/128016310610648?sk=wall

/payments Innovation in Financial Services

Bo Harald

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

IT Life cycles - part 2 video

http://streams.metropolia.fi/old/MultimediaTech2010/bo_harald_2/ all the way to e-invoicing..

/payments Innovation in Financial Services

Bo Harald

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

What did I write - you read - updated

On EU: Questions European Tax Payers should ask: 7275 times!! https://www.finextra.com/blogs/fullblog.aspx?blogid=2815 A digital Single Market – why and how?: 2829 https://www.finextra.com/blogs/fullblog.aspx?blogid=2813 The future of Direct Debit – e-invoicing with standing order: 2655 https://www.finextra.com/blogs/fullblog.aspx?blogid=3658

/payments Innovation in Financial Services

Bo Harald

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

Short video re e-invoicing

http://www.youtube.com/watch?v=P6wNEVXe6ZQ

/payments Innovation in Financial Services

Bo Harald

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

ATM transactions heading south

Accelerating decline in use of cash clearly reflected here and in card transaction statistics in Finland (even without costs being visibly charged for ATM withdrawals..). Good news for all. On EU level the cost of cash usage was estimated to some 50bn€ some years ago - and the consumer pays 100% of it + some profit margins for the service prov...

/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 ice hockey stick

It took time to get it going - but this is looking good (statistics covers only Finvoice - similar growth in other local standards). In a couple of years time paper or e-mailed PDF invoices will be as rare as cheques (defacto not used since years). More interesting statistics here: http://www.fkl.fi/en/material/statistics/Statistics/Statistics_bank...

/payments Innovation in Financial Services

Bo Harald

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

e-id services and e-commerce payments 2010 in Finland

Excellent growth figures - on EU levels the e-id volume would be 1,5bn. All public sector id-transactions are presently done by banks. This is extremely cost efficient (economy of reuse) and naturally preferred by citizens - as the tool (one-time code) is so familiar (economy of repetition and secure (economy of trust). Difficult to understand why...

/payments Innovation in Financial Services

Bo Harald

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

Amazing e-banking growth - again

I would have thought the transaction growth would have petered out in Finland - when most customers have used it for years - and now there are 5,2m e-banking contracts (a population of 5,4m and some probably are prepared to pay for several) - but still a 40m - 11% growth. EU-equivalent of payments would be some 28bn.. More interesting statistics h...

/payments Innovation in Financial Services

Bo Harald

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

Real Time Economy presentation

http://streams.metropolia.fi/old/MultimediaTech2010/bo_harald_1/

/payments Innovation in Financial Services

Bo Harald

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

Before and after elections

Will we still keep hearing this: “We do know what to do – but not how to be re-elected - if we do it” How can this be true? Assuming that the thing that should be done – things like cutting costs, borrowing less, deregulate here, regulate there etc – are good for society at large – and should in an objective analysis be done as soon as possible. W...

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