The two paths towards a real time economy
There are two parallel main roads leading to the endgoal - real time economy. The first one has been dealt with here already to some extent - the end user centric and networking approach to digital services - leading to fast real uptake of self services at lowest cost.
The other road is automation - machine to maching initiated transactions. This is best served by finding widely used standards. The Single European Payment Area is a very suitable opportunity to go for standards both in remitting payment order files to banks or when using same tools for remitting invoice material.
What should be done early on is to establish the benchmarking - what service in what company or what country has the highest (i) selfservicedegree - % of all, (ii)machine2machine degree - % of all and finally highest degree of real time completion - % of all.
About Me
- BoHarald
- My background is in banking - 30 years altogether with particular focus on e-banking since 1982 when Union Bank of Finland launched home banking. Then I worked 7 years for Tieto (a leading North European IT Integrator) as VP and Head of Executive Advisors. My special interest is to demonstrate that the e-habit created in banking can be transferred to other services (business or public sector) and make take off faster as the enduser can reuse his e-trust and e-habit when the familar e-banking tools are re-used for new purposes - in practise embedded in other services. My present work as independent advisor includes chairmanship at ZEF Solutions and continued work in the Real Time Economy program.
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