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Bo Harald

Chairman/Founding member, board member
Trust Infra for Real Time Economy Prgrm & MyData,
Member since
04 Nov 2008
Location
Helsinki Region
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509
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Followed by John Sims, Martha Boyle and 5 others you follow
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Bo's opinions

clear
Bo Harald

If you do not know where you are going - any road will do..

If you do not know where you are going - any road will do..This springs to mind when witnessing the plethora of alternatives created by today's technology and fragmented doings of both natives and immigrants on the Internet and in general. Innovators are well aware of the growing NEED to innovate both for enterprise survival and for national compet...

29 December 2009 /retail Innovation in Financial Services

Bo Harald

I cannot see around the corner..

Too often I tend to forget that I cannot see around the corner. This means that I am spending too much time in trying to imagine the future. Instead I should take my vision and passion and go around the corner - as almost always before there is something unexpectedly simple and positive waiting. Take the example of e-invoicing. We did have the feel...

23 December 2009 /payments Innovation in Financial Services

Bo Harald

Republic of Finland - exemplary action

The State Treasury sent out letters to 16 000 suppliers to the public sector last week to remind them of the fact that only electronic invoices will be accepted as of 1.1.2010. The deadline for paper and unstructured PDF was announced already in the beginning of 2009 - and hinted to much earlier - so there has been time to take widely available low...

20 December 2009 /payments Innovation in Financial Services

Bo Harald

Happy end for SME-tale in sight - if banks do their part..

We often hear the tragic tale about the SME-sector. Nobody is really interested in them and is competing for their business. Not the banks, not insurance companies, not the accounting profession, not telecom and so forth. The answer is simple - as they are so small they have small volumes = low transaction, financing, insurable and wealth volumes =...

20 December 2009 /payments /retail Innovation in Financial Services

Bo Harald

Too civil civil servants

The public sector is increasingly outsourcing service production - and thus giving more space for the sector's management to do much more important work - policy making, driving change, creating rulebooks and so forth. This is for sure a much needed shift in attention and should be welcomed also by business - especially as we all experience the sam...

13 December 2009 Innovation in Financial Services

Bo Harald

From division of labour to interactive value creation

Teemu Arina drew my attention to Esko Kilpi's blog and I picked out extensive quotes (emphasis mine) - full post certainly worth reading: "Division of labour reduces organizational effort and cost of work. Division of labour also increases the quality of efforts through specialization. For this reason all societies and all enterprises are hea...

13 December 2009 Innovation in Financial Services

Bo Harald

Final report - roadmap to paradigmatic platform

It took some time - 26 full days of meetings and countless telephone conferences to get this report in place. But it was time well spent as the iteration rounds unified the opinions, fully supported the EU VAT directive for equal treatment of paper and e-invoices and above all underlined the fact that EU cannot afford to delay the migration - so ...

10 December 2009 Innovation in Financial Services

Bo Harald

Germany: E-Invoicing as part of the coalition contract

Quote from Bruno Koch's newsletter "The newly elected German Government plans to accelerate use of electronic invoices in Germany by removing barriers hindering their adoption. E-Invoicing is to be enabled in a more unbureaucratic manner. The author of this newsletter will keep you informed about future decisions and development." My co

08 December 2009 /payments Innovation in Financial Services

Bo Harald

Sonera showing the way in Finland

http://boharald.blogspot.com/2009/12/sonera-showing-way-in-finland.html Charging for paper invoices has been a touchy subject in Finland even if: - all experience shows that transparent pricing (producing "negative carrots..") is the only efficient way to make mass markets move fast - consumers say that they will not change behaviour ju...

03 December 2009 /payments Innovation in Financial Services

Bo Harald

Social web growing big time

http://boharald.blogspot.com/2009/11/social-web-growing-big-time.html

30 November 2009

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Bo writes about

  • artificial intelligence
  • security
  • payments
  • regulation & compliance
  • people
  • wealth management
  • retail banking
  • wholesale banking
  • sustainable
  • financial inclusion
  • identity
  • financial crime
  • predictions

Bo's opinion archive

  • 2025 (27)
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  • 2012 (35)
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  • 2010 (74)
  • 2009 (85)
  • 2008 (10)

Latest groups joined by Bo

  • Electronic invoicing

  • Whatever...

  • Transaction Banking

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Bo reads

  • Networked economy
  • Real Time Economy

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