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Bo Harald

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

It is our money..

Studies made for EU reveal that the VAT Gap (difference between theoretical VAT receipts and actual payments) exceeds 100BN€ every year since 2000 (118,8bn€ in 2009). All of this is not fraud or loopholes - there can be legal exceptions. In any case it is our money - something we tax payers should be interested in getting paid (to get lower salary...

/payments Innovation in Financial Services

Bo Harald

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

Productivity growth - desperately needed magic elixir

Very spot on article in The Economist. Some snippets (emphasis mine) and comments: - “productivity growth is the closest economics gets to a magic elixir, especially for ageing advanced economies” - productivity depends on skills (my favorite: learning by doing – by moving around and up the ladder..), capital invested in tools (mostly IT) and the p...

/payments /retail Innovation in Financial Services

Bo Harald

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

Germany to simplify e-invoicing

The proposal states: “The requirement of authenticity and the integrity of the content will remain as abstract conditions for the sales tax approval of electronic invoices, but the other requirements for electronic invoices will be abandoned. So, there will be no technical requirements anymore that need to be meet by a German company. “As with pape...

/payments Innovation in Financial Services

Bo Harald

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

From sending e-invoice to receiving payment in 30 minutes

AT SIBOS we heard Ossi Leikola of Nordea Bank describing how it is already today possible for an e-invoice sender to get his payment in less than 30 minutes after having sent the invoice - the target being to make it much faster. I have to confess that I felt quite proud. This is the new customer value that banks moving into extended payments can ...

/payments Innovation in Financial Services

Bo Harald

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

Linking e-invoicing to trade finance

http://www.swift.com/resources/documents/supply_trade_article_casterman_opinion.pdf André Casterman of SWIFT makes a good case for it in the enclosed article.

/payments Innovation in Financial Services

Bo Harald

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

Will banks do their part?

For most of us it is self-evident that unstructured invoicing is an anachronistic relic that will soon be history. It is also obvious that the solution to getting the enterprise mass market and consumers onboard is to get the banks to take their responsibility and see the more than evident business case. The arguments are well known: 1. invoicing ...

/payments Innovation in Financial Services

Bo Harald

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

Will the European Commission pass the next test?

The first recent test was to find an automatic non-political tool - steering member states away from overspending and overborrowing. The test was passed with flying colors – but was put aside (for a while) by national politics. Let us hope it gets back on track soon. The next test is to do something real – and bold – for the Single Market. Most of...

/payments Innovation in Financial Services

Bo Harald

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

A Digital Single Market - why and how?

DG Infosoc is gearing up activities under the Digital Single Market headline. When this is being rolled out it is important to ask the question: Why? The obvious answers are that large scale x-sector digitalization is: 1. making enterprises more competitive as (i) they become more cost-efficient, (ii) serve their customer better (digitally), (iii)...

/payments Innovation in Financial Services

Bo Harald

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

Nobody promised you a rose garden

I went to a book publishing party yesterday. Wonderful book about interior design and life by extraordinary personality. Lots of cultural types around and good food. And as I am kind of known as Mr. e-Invoicing the accountant present came up to me with his story – which went like this: He: “ The migration to e-invoicing has not been easy. Lots of ...

/payments Innovation in Financial Services

Bo Harald

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

Miserable public isolation

Reading OECD "Forum on tax administration:Taxpayer services sub-group" Survey Report (March 2010). "Why citizens don' use revenue bodies'/governments' e-service" Despite all the success stories we have seen when: - the public sector realises that it is not the only service citizens use - and in fact one of the most infrequent...

/payments Innovation in Financial Services

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