tag:blogger.com,1999:blog-322928372024-03-18T11:47:47.088+02:00Networked Economy - Bo HaraldThis is a blog about the networked economy - how collaborative offerings make the transition user friendly and how interoperable IT and standardised documents will save costs now and create the base for real time business processes.BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.comBlogger415125tag:blogger.com,1999:blog-32292837.post-69126385806382330052014-03-04T22:15:00.001+02:002014-03-04T22:15:31.804+02:00<a href="http://www.finextra.com/blogs/fullblog.aspx?blogid=9015" style="font-family: Helvetica; font-size: 14px;">http://www.finextra.com/blogs/fullblog.aspx?blogid=9015</a><br style="font-family: Helvetica; font-size: 14px;" /><a href="http://www.finextra.com/blogs/fullblog.aspx?blogid=8900" style="font-family: Helvetica; font-size: 14px;">http://www.finextra.com/blogs/fullblog.aspx?blogid=8900</a><br style="font-family: Helvetica; font-size: 14px;" /><br style="font-family: Helvetica; font-size: 14px;" /><a href="http://www.finextra.com/blogs/fullblog.aspx?blogid=8900" style="font-family: Helvetica; font-size: 14px;">http://www.finextra.com/blogs/fullblog.aspx?blogid=8900</a><br style="font-family: Helvetica; font-size: 14px;" /><a href="http://www.finextra.com/blogs/fullblog.aspx?blogid=8900" style="font-family: Helvetica; font-size: 14px;">http://www.finextra.com/blogs/fullblog.aspx?blogid=8900</a><br style="font-family: Helvetica; font-size: 14px;" /><a href="http://www.finextra.com/blogs/fullblog.aspx?blogid=8859" style="font-family: Helvetica; font-size: 14px;">http://www.finextra.com/blogs/fullblog.aspx?blogid=8859</a><br style="font-family: Helvetica; font-size: 14px;" /><a href="http://www.finextra.com/blogs/fullblog.aspx?blogid=7453" style="font-family: Helvetica; font-size: 14px;">http://www.finextra.com/blogs/fullblog.aspx?blogid=7453</a>BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com18tag:blogger.com,1999:blog-32292837.post-68884515239578105052014-03-04T19:53:00.003+02:002014-03-04T19:53:36.841+02:00Recent blog posts on Finextra<span style="font-family: Helvetica; font-size: 14px;">http://www.finextra.com/blogs/fullblog.aspx?blogid=9015</span><br />
<div style="font-family: Helvetica; font-size: 14px;">
http://www.finextra.com/blogs/fullblog.aspx?blogid=8900</div>
<div style="font-family: Helvetica; font-size: 14px;">
<br /></div>
<div style="font-family: Helvetica; font-size: 14px;">
http://www.finextra.com/blogs/fullblog.aspx?blogid=8900</div>
<div style="font-family: Helvetica; font-size: 14px;">
http://www.finextra.com/blogs/fullblog.aspx?blogid=8900</div>
<div style="font-family: Helvetica; font-size: 14px;">
http://www.finextra.com/blogs/fullblog.aspx?blogid=8859</div>
<div style="font-family: Helvetica; font-size: 14px;">
http://www.finextra.com/blogs/fullblog.aspx?blogid=7453</div>
BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com11tag:blogger.com,1999:blog-32292837.post-89219359872229770172013-06-25T08:50:00.001+03:002013-06-25T08:50:06.480+03:00Kaja Bajowska: 2x ZEF- days<a href="http://kajabajowska.blogspot.fi/2013/06/2x-zef-days.html?spref=fb">Kaja Bajowska: 2x ZEF- days</a>BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com10tag:blogger.com,1999:blog-32292837.post-26344223176976567342013-04-08T19:07:00.001+03:002013-04-08T19:07:52.790+03:00Winning posts<br />
<div class="fullBlogBody" style="clear: both; float: left; width: 590px;">
<div class="blogBody" style="clear: both; float: left; width: 590px;">
<span class="NewsListStandFirst" id="ctl00_ctl00_ctl00_ContentPlaceHolder1_ContentMain_ContentMain_FullBlog_lblBody">Recent posts:<br />
Apr 2013 <a href="http://www.finextra.com/community/fullblog.aspx?blogid=7541" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">Why us reuse to difficult?</a> 403 views<br />
Mar 2013 <a href="http://www.finextra.com/community/fullblog.aspx?blogid=7453" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">Cutting admin cost in half - video</a> 1110<br />
23 Feb 2013 <a href="http://www.finextra.com/community/fullblog.aspx?blogid=7408" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">Virgin territory</a> 1987<br />
22 Feb 2013 <a href="http://www.finextra.com/community/fullblog.aspx?blogid=7407" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">Is SME-sector competitiveness important?</a> 2254<br />
<strong>18 Feb 2013 <a href="http://www.finextra.com/community/fullblog.aspx?blogid=7396" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">The biggest ever revolution in banking a...</a> 5072</strong><br />
<br />
some way to go to beat 2009 posted:<br />
<strong>27 Apr 2009 <a href="http://www.finextra.com/community/fullblog.aspx?blogid=2815" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">Questions European tax payers should ask</a> 11122 wievs</strong><br />
26 Apr 2009 <a href="http://www.finextra.com/community/fullblog.aspx?blogid=2813" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">Think small</a> 8168<br />
28 Apr 2009 <a href="http://www.finextra.com/community/fullblog.aspx?blogid=2820" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">e-id service making great progress</a> 7113<br />
23 Dec 2009 <a href="http://www.finextra.com/community/fullblog.aspx?blogid=3658" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">I cannot see around the corner..</a>6396<br />
29 Dec 2009 <a href="http://www.finextra.com/community/fullblog.aspx?blogid=3664" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">If you do not know where you are going -...</a>5963</span></div>
<small><span id="ctl00_ctl00_ctl00_ContentPlaceHolder1_ContentMain_ContentMain_FullBlog_LabelPhotoCaption"></span></small></div>
<div class="fullBlogBody" style="clear: both; float: left; width: 590px;">
<div class="commentContainer" style="background-color: #e7eff8; float: left; padding-top: 5px; width: 590px;">
<div class="bCommentBodyContainer" style="border-bottom-color: rgb(181, 190, 0); border-bottom-style: dotted; border-bottom-width: 1px; float: left; font-size: 0.9em; margin-bottom: 5px; padding: 0px 3px 5px; width: 584px;">
<a href="" name="comment" style="border-bottom-style: none !important; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 11px; line-height: 18px;"></a><span style="font-family: Verdana, helvetica, Arial, sans-serif; font-size: 11px; line-height: 18px;"></span></div>
</div>
</div>
BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com1tag:blogger.com,1999:blog-32292837.post-71729356665816188032013-04-08T19:06:00.001+03:002013-04-08T19:06:35.033+03:00Why is reuse so difficult?<br />
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
Most countries have established e-society strategies aiming at ao providing public sector services via the Internet. Progress has generally been fast with general information sharing - but when it comes to private information (health, tax, social benefits, school records etc) - not to talk about signing documents - progress is generally stopped due to a <strong>perceived lack of tools.</strong></div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
<br />In several countries it has luckily been realised realised, that reusing e-bank sign-in credentials - for both <strong>strong id and signing </strong>(I just established a limited company with 5 shareholders - no paper) - not only in other private sector but especially public sector services is a key accelerator for e-society migration. To reuse means that ready trust and big volume habits can be built on > fast adoption - in addition to saving hundreds of millions (should this not be in strongest focus these days?).</div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
Listing benefits:</div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
- ready high volume <strong>habit</strong> (10-15 times more usage of strong tool - than all other potential cases taken together) > economy of repetition (exponentially growing value in fragmenting world) and economy of scale</div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
- the tool has to be <strong>strong enough</strong> for banking (supervision in place) = strong enough for any use</div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
- tool can be used <strong>both for id and signing</strong> documents (can also provide age)- the tool has already been invested in > economy of reuse<br /><br />- banks are trusted (in this aspect at least..) ><strong> economy of trust</strong></div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
- banks as service providers have to adhere to <strong>anti-money laundering legislation</strong> anyway when opening accounts and handing over e-id tool</div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
- banks provide the service also to <strong>unbanked</strong></div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
<strong>- payback time for banks</strong> - they should do this as good-for-society-at-large (income will not be big - but can cover the costs with some margin)</div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
<br />So why is reuse so difficult to spread faster? <strong>Why do tax payers not demand it?</strong> Why is it accepted that the public sector invests huge amounts in always-failing separate credentials? Anybody in the know?<br /></div>
BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com3tag:blogger.com,1999:blog-32292837.post-76791795541048521312013-03-14T19:47:00.001+02:002013-03-14T19:47:36.437+02:00Cutting admin cost in half - video<br />
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
<a href="http://youtu.be/Kb3q2viAbbk" style="border-bottom-color: rgb(187, 187, 187); border-bottom-style: dotted; border-bottom-width: 1px; color: #336699; text-decoration: none;">http://youtu.be/Kb3q2viAbbk</a></div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
Great vision. Decent preacher.</div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
If you do not know where you are going, any road will do. </div>
<div style="background-color: white; font-family: Verdana, helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px;">
Or even worse - nobody is going anywhere</div>
BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com4tag:blogger.com,1999:blog-32292837.post-85332725098975904142013-02-26T13:14:00.001+02:002013-02-26T13:14:29.768+02:00Virgin territory<p>A lot of time and effort has been spent on automating manufacturing and logistics in large companies. Less has been spent on their administrative processes. <strong>Automation of SME administration and government reporting still appears as virgin territory.</strong></p> <p>As the SME sector stand for some 65% of corporate turnover and is the one that will employ more when large enterprises both cut and offshore it should be obvious that now is the time to standardize, digitalize, automate and harmonize x-EU.</p> <p>Needless to say that no country can afford the present low productivity in the public sector either and that also the EU red tape initiative should be given full attention. Any new reporting requirement should be critically assessed and if found to be important enough <strong>it should be digital and EU-harmonised from the outset. </strong>Reusing existing tools should be the norm (bank credentials for strong e-id and contract signing, e-invoicing to curb the grey economy etc).</p> <p>Only by getting the banking system involved - starting from building the 4-corner e-invoicing and payment automation as a platform - can the at least 350bn productity improvement be achieved fast and cost efficiently. Payback time for banks.</p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com3tag:blogger.com,1999:blog-32292837.post-85710470522080051092013-02-26T13:13:00.001+02:002013-02-26T13:13:26.686+02:00Is SME-sector competitiveness important?22 Feb, 2013 04:42 <p>Is SME-sector competitiveness important? If governments consider SME-sector competitiveness important they should do something about red tape and automation of administrative processes. The key to the latter is fast migration to structured e-invoicing - paving the way to automated accounting, real time payments, automated VAT-reporting, automated cash flow estimates, cost- efficient anti-grey economy measures etc.</p> <p><strong>As this should be a no-brainer, the next question is how to get there fast.</strong> Our experience:</p> <p>1. Make sure that banks offer e-invoicing as part of e-banking and file transfer services. Only banks have the power to address the corporate mass market cost-efficiently all the way to secure payment automation and account statement based accounting.</p> <p>2. Set deadlines for accepting paper and e-mailed PDF invoices</p> <p>3. Implement cash based accounting as recommended in the VAT directive.</p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com3tag:blogger.com,1999:blog-32292837.post-51562085031153157412013-02-26T13:12:00.001+02:002013-02-26T13:12:33.271+02:00The biggest ever revolution in banking<p>As I am now checking out from full time employment I take this opportunity to sum up what we (not I..) at Nordea, Tieto, the EC Expert Group on e-Invoicing, the Real Time Economy program etc achieved in the some 40 years of bringing more technology into banking and beyond in the new connecting-customers dimension. The world is by no means ready, so I will continue contributing to the RTE program (for Finland and EU single market).More about that and ZEF Solutions - a growth company I am chairing - later.</p> <p><strong>What did we achieve? </strong></p> <p><strong>1. E-banking - the biggest ever revolution in banking.</strong> We did not quite realise what dimensions of customer value was going to delivered when we launched e-banking in 79 for corporates and SME+home PC-banking in 82. Now there are som 5,3m e-banking contracts in a country with 5,5m citizens (some seem to pay for the value to two banks..). We did not realise either what kind of platform e-banking was going to be for the "connecting customers" and extended payments services.</p> <p><strong>2. Cutting costs of banking in Finland in half.</strong> When only 1% of customers need branches for transactions this massive saving of costs - customers used to pay every cent of - was made possible by bringing the services to homes, offices and in between with with mobiles.</p> <p><strong>3. Eliminating cheques and radically cutting use of cash.</strong> Transparent charging in 83 eliminated cheque usage and card payments took over and was pushed also as they were used as ID tool for bill payment terminals - which again paved way for PC-banking.</p> <p>4. Making it possible for bank customers to use the <strong>e-bank credentials in public sector</strong> and other services where strong Id-tools (one-time password) are needed. Economy of reuse, economy of repetition and economy of trust - big time. Also non-bank customers can have the credentials.</p> <p><strong>5. Eliminating need for paper contracts</strong> - first the loan agreements as these could be signed with the e-bank passwords, then any contracts between 3rd parties and finally also contracts signed on behalf of employers (understanding that it always is Mr Same Guy doing things - irrespective of roles). Connecting customers - again..</p> <p><strong>6. Real time e-commerce payments</strong> - by reusing bill payment infrastructure.</p> <p><strong>7. E-invoicing by banks in just-like-payments 4-corner model.</strong> Any-format-out and any-format-in white label service launched by Tieto. In practise all enterprises signed up in Finland and 70% already using. Heading for 100% structured (not emailed PDFs) e-invoicing soon.</p> <p><strong>8. Mobile notifications and press "a" (no PIN) payment approval of e-invoices.</strong> This is the proper road into mobile banking at large. Moving from self-service to service...</p> <p><strong>9. E-salary statements as clickable addition to account credit.</strong></p> <p><strong>10. EU-harmonisation</strong> - no more mandatory digital signing of e-invoicing making adoption easier for SMEs and VAT-directive recommending cash based accounting.</p> <p>11. Designing the <strong>next value layers enabled by structured e-invoicing -</strong> automated accounting, cash flow estimates, automated VAT-reporting etc. - central parts of RTE program's ambition to cut SME administrative costs in half (and save massively also in the public sector...). <strong>The biggest ever revolution in administrative processes...</strong></p> <p><strong>12. Finding efficient and cost efficient anti-grey-economy tools</strong> by combining real time salary reporting and e-invoicing based VAT-reporting. It is our money...</p> <p><strong>13. Standardisation:</strong> Finvoice, TEAPPS and ISO20022: for credit payments (SEPA), payment references, e-invoicing, account statements, account inquiries, VAT-reporting etc</p> <p>14. Started with Union Bank of Finland that grew into <strong>Nordea Bank</strong> - one of the most stable, profitable and highest market value banks in Europe.</p> <p><strong>15. Tieto</strong> was established in 68 by UBF and delivered much of the industry reshaping solutions for ao Nordea. Now a leading 17.000 strong multisector IT service company.</p> <p>But there is much more to do - so I will try to get back with an action point list later.</p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com2tag:blogger.com,1999:blog-32292837.post-8665772256053921362013-02-13T14:13:00.001+02:002013-02-13T14:13:14.726+02:00Established limited company – virtually in real time<p>As I plan to step down from full time employment at Tieto but will continue as advisor in various projects I needed to establish a company of my own. Yesterday I thus logged in with my e-bank credentials to the Finnish Trade registry and completed the needed handily presented information, signed it with my e-bank credentials and sent a signing request to the other shareholders. </p> <p>They signed with their e-banking credentials (also unbanked persons can have them) and I had my company registered and corporate register number issued by return. Easy as that – no paper – no delays!</p> <p>So my next thought was: Why on earth is not all contract signing etc done in the same way? Much is – but not all. Pure intertia..</p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com0tag:blogger.com,1999:blog-32292837.post-32950593032590326122013-01-07T13:28:00.001+02:002013-01-07T13:28:02.220+02:00Anti-interoperability<p>We keep hearing from enraged enterprises that some e-invoicing service providers still continue with their old 3-corner strategy. Signing up big invoice reveivers and trying to force suppliers to sign up with this particular service provider.</p> <p>Especially angry comments come from those who already have a functioning relationship for their large volumes in the domestic market – and then for artificial lack-of-interoperability reasons – the 3-corner operator tries to force them to become customers.</p> <p>This slows down e-invoicing adoption, is anti-competitive and is not a sustainable model for any operator. The sooner it becomes so-last-season the better for the customers and society at large. </p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com0tag:blogger.com,1999:blog-32292837.post-64944544293695263402013-01-07T13:16:00.001+02:002013-01-07T13:16:00.340+02:00Give citizens a choice - and this is what they choose<p>Strong e-id is often needed when logging in also to non-banking services. Reusing bank e-id also there - especially in the public sector - is something of the<strong> most sensemaking aspects of also otherwise much needed public-private co-operation</strong>. 2011 was a great year for bank e-id (TUPAS) - the alternative (a state issued smartcard) is not used at all. It is to be hoped that no further countries will try the citizens smartcard route (our dead on arrival experience should deter). Background here: http://www.finextra.com/community/fullblog.aspx?blogid=2820</p> <p>Bank e-id tools can also be had by the non-banked. Close to 30m transactions in Finland would translate to<strong> 2,1 bn in Europe</strong>. Massive cost-saving - and would deliver much faster public sector e-services.</p> <p>Using bank ID for login to third parties started in 1993 in Finland. Now at least Sweden, Estonia, Norway, Denmark are using it - and at least Canada is joining soon. It would be interesting to see if somebody can come up with real counterarguments in the still-out-countries. </p> <p>e-Commerce payments (like the Dutch Ideal) was introduced in Finland in 1996. Good growth also there. Again it is a question of economy of repetition (same procedure as when paying bills), economy of reuse, economy of scale, economy of scope and economy of trust.</p> <p><img style="margin: 0px 0px 5px" title="e-id and e-commerce payments" alt="e-id and e-commerce payments" src="http://www.finextra.com/finextra-images/visible_pictures/445D46E8-2B1F-4463-B739-CBD1D822819C.jpg" width="405" height="383" /></p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com0tag:blogger.com,1999:blog-32292837.post-48594938507760312622013-01-07T13:14:00.001+02:002013-01-07T13:14:59.932+02:00My name is Guy. Same Guy. Reissued<p>My name is Guy.<strong> Mr Same Guy.</strong> 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.</p> <p>My point is that there are no corporate customers, no private customers, no citizens etc - only human customers or users in different roles. Why is it so often difficult for my service providers to keep the user experience constant when I use their services in different roles? Services should today not only be clinically simple - but also clinically similar.</p> <p><strong>There are no corporate customers:</strong> <a href="http://www.finextra.com/community/Fullblog.aspx?blogid=2867">http://www.finextra.com/community/Fullblog.aspx?blogid=2867</a></p> <p><strong>Miserable public isolation:</strong></p> <p>http://www.finextra.com/community/Fullblog.aspx?blogid=4415</p> <p>The main reason - at least in banking (which I know more of) is the organizational structure - the units looking after the respective segments do not seem to get this basic fact that it really is the same user.</p> <p>But it is not enough to get the same tools and user experience rolled out irrespective of the role. It should also be a goal to <b>let the user use the same tools in different services. </b>Here the prime example is the use of often needed bank-id codes in the seldom needed public sector.</p> <p>The value of economy of repetition x-roles&x-services is rising exponentially with the overflow of information and technology. The best way forward is to start with tools in services <strong>needed often by many</strong> and then reuse them in services needed seldom by many. Even services needed seldom by few has a chance with this philosophy. Too often we start from the wrong end and Mr Same Guy is not getting the user experience he earns.</p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com1tag:blogger.com,1999:blog-32292837.post-38652258814023534742012-10-25T14:50:00.001+03:002012-10-25T14:50:25.059+03:00EU moving forward with e-invoicing<p>Snippets from multistake holder meeting</p> <p>“· The European Council called for actions to encourage theuptake of e-invoicing in the EU and the European Parliament issued a resolution which calls for making e-invoicing mandatory in public procurement by 2016. </p> <p>Einvoicing is seen as a potential source of significant savings for European public authorities.</p> <p> <br />· Several Member States made e-invoicing already mandatory in public procurement. There is also a solid basis for possible action at European level: the Communication "Reaping the benefits of electronic invoicing for Europe" (COM(2010)712), the Directive on the common system of value added tax (Council Directive 2010/45/EU), the Communication "A strategy for e-procurement" <br />(COM (2012)179) and the existing projects PEPPOL and E-prior.”</p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com1tag:blogger.com,1999:blog-32292837.post-27416872104895867832012-10-08T16:02:00.001+03:002012-10-08T16:03:02.912+03:00Mr Same Guy yesterday, today and tomorrow<p><strong>1. Mr Same Guy yesterday.</strong></p> <p>In the old days – when we launched PC-banking for SMEs and private customers (1982) at Union Bank of Finland we lived with the false impression that we had private and corporate customers – when we defacto only had human customers – in different roles.</p> <p>As a result the user experience was not similar enough across roles. This did not disturb customers too much as they were not overwhelmed with IT-initiatives.</p> <p><strong>2. Mr Same Guy today.</strong></p> <p>It is no news that Internet, Mobile Networks, Big Data (supported by exponentially cheaper processing), gamefication, YouTubes, pads, smartphones, omnipresent sensors etc etc is shovering potential users with information and propositions. </p> <p>This means – <strong>Less Time for any ONE Thing.</strong> Which again means that user communities are split into an ever increasing number – consuming the only scarce resource – TIME – in such a way that rapid breakthroughs are very difficult to accomplish. Those who succeed can become Facebooks or Angry Birds..</p> <p>So – we have tried to stress the need to (i) be clinically simple, (ii) clinically similar – across services AND roles and (iii) use platforms that are already familiar (Importance of Economy of Repetition growing exponentially). A good example of this has been to use bank ID also for public sector services.</p> <p><strong>3. Mr Same Guy in the future.</strong></p> <p>Nothing tells us that the change is slowing down. So in the future services will have to know much more about what the customer really needs – in his different roles – where he needs it – and how he can take it into use by just pressing “a” in his mobile device. <strong>Moving from self service to service.</strong></p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com0tag:blogger.com,1999:blog-32292837.post-1649388530611795772012-09-25T11:49:00.001+03:002012-09-25T11:49:38.969+03:00e-Invoicing is not a goal in itself<p>E-invoicing as such does not save the 250bn/year cost. It is an <strong>enabler</strong> - and that is why the <strong>focus should move to the next layers. </strong></p> <p>Experts tend to dig so deep into details that they forget to communicate the big picture. What is the WHY for e-Invoicing? From the EC Expert Group angle the targets are clear:</p> <p><strong>1. Improve enterprise competitiveness. </strong>Structured e-invoicing (not e-mailed PDFs):</p> <p>- enables automation of business processes at large (important part of cutting administration cost in half in the SME-sector - 65% of total corporate turnover - also the new-jobs creating sector)</p> <p>- brings real time financial management</p> <p>- cuts the need of and costs for financing</p> <p>- cuts the cost of risk and risk mitigation (estimated to amount to 4% of corporate turnover)</p> <p><strong>2. Speed up migration to real Single market.  </strong>Harmonized rules for invoicing, accounting and VAT-reporting are the most important practical steps that can be taken for the moment. A seldom seen opportunity that is enabled by digitalization and supporting a natural migration to SEPA-payments.</p> <p><strong>3. Cutting the Grey Economy. </strong>One of the central reasons for the euro-crisis is the grey economy - taxes not being collected. With e-invoicing (and banning cash payments of invoices) the needed transparency can be achieved (especially with automated VAT-reporting) - without adding administrative costs for enterprises.</p> <p>So - everything should be done to make the transition fast - like:</p> <p>1. making it very clear that the business controls used for paper invoicing are perfectly sufficient also when using e-invoicing (the very target of the VAT-directive). Stop integrity&authenticity scare mongering.</p> <p>2. setting deadlines for accepting paper and e-mailed PDFs - pressing send is easier than pressing print once the mass-market e-invoicing concepts introduced by services providers (especially banks) are in place</p> <p>3. Set price for having to send unstructured invoices and for having to receive.</p> <p>4. Stop scanning - set target date for starting to return paper and e-mails to senders.</p> <p>Is there anything more important around in the business infrastructure field?</p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com1tag:blogger.com,1999:blog-32292837.post-68497672508611453642012-09-25T11:47:00.001+03:002012-09-25T11:47:38.108+03:00Final words on integrity and authenticity<p>A panel discussion at EXPP made it clear that further clarification is needed to make it clear what the EU Commission means with equal treatment of paper and e-invoicing. The VAT directive states that business controls are sufficient. Now people ask what does that mean? What kind of business controls?</p> <p>The best way to fend off scare mongering - is to keep messages very simple. <strong>"If you send or receive paper invoices today and plan to start using e-invoices you can continue using the same business controls as before."</strong></p> <p>This also goes for e-mail invoices - even if all efforts should be made to move away from PDFs as they are not really enabling the automation of process the whole exercise is all about.</p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com1tag:blogger.com,1999:blog-32292837.post-64255696787313543212012-07-03T09:18:00.001+03:002012-07-03T09:18:09.093+03:002020 – too late to afford<p>Most governments are trying hard to save tax payer’s money – and even more importantly trying to push the SME-sector into digital processes and financial administration. But still too many in EU seem too signal that 2020 is a deadline for unstructured invoicing.</p> <p>More here:</p> <p><a title="http://eeiplatform.com/8528/an-overview-56-government-e-invoicing-initiatives-anything-missing-here/?utm_source=E-invoicing+Platform&utm_campaign=42f689713a-E-invoicing+Platform+-+Newsletter+week+27&utm_medium=email" href="http://eeiplatform.com/8528/an-overview-56-government-e-invoicing-initiatives-anything-missing-here/?utm_source=E-invoicing+Platform&utm_campaign=42f689713a-E-invoicing+Platform+-+Newsletter+week+27&utm_medium=email">http://eeiplatform.com/8528/an-overview-56-government-e-invoicing-initiatives-anything-missing-here/?utm_source=E-invoicing+Platform&utm_campaign=42f689713a-E-invoicing+Platform+-+Newsletter+week+27&utm_medium=email</a></p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com0tag:blogger.com,1999:blog-32292837.post-72745045021240026102012-06-27T13:02:00.001+03:002012-06-27T13:02:46.499+03:00Why are some governments still dragging their feet?<p>8 reasons for paper and PDF-deadlines NOW:</p> <p><a title="http://eeiplatform.com/8429/8-top-quoted-reasons-mandating-goverment-e-invoicing/?utm_source=E-invoicing+Platform&utm_campaign=5b97b520f0-E-invoicing+Platform+-+Newsletter+wk+26&utm_medium=email" href="http://eeiplatform.com/8429/8-top-quoted-reasons-mandating-goverment-e-invoicing/?utm_source=E-invoicing+Platform&utm_campaign=5b97b520f0-E-invoicing+Platform+-+Newsletter+wk+26&utm_medium=email">http://eeiplatform.com/8429/8-top-quoted-reasons-mandating-goverment-e-invoicing/?utm_source=E-invoicing+Platform&utm_campaign=5b97b520f0-E-invoicing+Platform+-+Newsletter+wk+26&utm_medium=email</a></p> <p>An additional major one is that we need to free up soon very much smaller workforce (35m smaller in EU by 2020) for much more productive work if we intend to finance the welfare state and also start to reduce the far too big debt politicians have raised – buying votes with IOUs in our and our childrens names..</p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com0tag:blogger.com,1999:blog-32292837.post-7006379829431983372012-06-25T15:55:00.001+03:002012-06-25T15:55:22.016+03:00EC shaping up<p><sup>from EEI-platfomr news: </sup></p> <p><sup>“We also received confirmation from several of our informal sources in Brussels. Some of them said that there are thoughts to make e-invoicing mandatory. Some others have the opinion that the e-invoicing uptake in the EU will get a boost (because of the liberalisation) as from 2013, making additional e-invoicing regulations redundant.  <br />A third piece of evidence can be found in the speech by EU Commissioner Michel Barnier. He lifted a corner of the veil on what he calls “act two” of the priority measures of the Single Market Act. <a href="http://factuurwijzer.us2.list-manage1.com/track/click?u=f115ffd31993cc75ba1a4f6e8&id=87c0da7b28&e=1bfe23f21e">Speaking at the European Parliament</a>, last 21 June, Michel Barnier said that electronic invoicing would be oneof the priority measures for deepening the EU Internal Market.”</sup></p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com1tag:blogger.com,1999:blog-32292837.post-32841483718025276692012-06-21T20:17:00.001+03:002012-06-21T20:17:57.290+03:0064% of Finnish enterprises use e-invoicing<p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjslniHPaJPui573tyfuv4jFATHpryersFoNsD-hzDkon29zzdIUBQ_b5B3FFD1BvcmEaXfxZVTdusNtBTrqVpkeRJm3J2WBdl5Yq_gPJSU7uxxvB00WkW-St1pbARkMfGV_hyphenhyphenTyQ/s1600-h/Verkkolaskubarometri_05-2012%252520%252528EN%252529%252520%2525282%252529%25255B3%25255D.jpg"><img style="background-image: none; border-bottom: 0px; border-left: 0px; margin: 0px 0px 5px; padding-left: 0px; padding-right: 0px; display: inline; border-top: 0px; border-right: 0px; padding-top: 0px" title="Verkkolaskubarometri_05-2012 (EN) (2)" border="0" alt="Verkkolaskubarometri_05-2012 (EN) (2)" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpnN1kzWMUHg2QIAZ1pTeGfITI-VWBulmgfyzklvrZGRG8MpRyfVZU0WX39g-Z85wcbqarsafnK-tmXcXNncXsesYRq3BCOeYeEvCzPmRjlNEp-ljtMYeZS7C7aez1OUU_AUG7vw//?imgmax=800" width="389" height="299" /></a></p> <p>This will grow very fast as:</p> <p>1.  Almost all enterprises have <strong>signed up</strong> for e-invoicing services (201 000 with banks by end 2011 – 85% of all active). All have not yet started to use the services but will have to as:</p> <p>2.  The state sector and many enterprises have stopped scanning and return paper and PDFs.                                                           Deadlines for paper and PDFs  are a must  as the interest on senders side is too small (1% of turnover is not much in an SME) in face of many other pressing business issues. </p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com0tag:blogger.com,1999:blog-32292837.post-45944884885333836932012-06-06T14:53:00.001+03:002012-06-06T14:53:56.495+03:00China on the move with e-invoicing. How about your country?<p><a title="http://eeiplatform.com/8190/china-issues-guidelines-to-promote-e-commerce-and-e-invoicing/?utm_source=E-invoicing+Platform&utm_campaign=753ea3d568-E-invoicing+Platform+-+Newsletter+week+23&utm_medium=email" href="http://eeiplatform.com/8190/china-issues-guidelines-to-promote-e-commerce-and-e-invoicing/?utm_source=E-invoicing+Platform&utm_campaign=753ea3d568-E-invoicing+Platform+-+Newsletter+week+23&utm_medium=email">http://eeiplatform.com/8190/china-issues-guidelines-to-promote-e-commerce-and-e-invoicing/?utm_source=E-invoicing+Platform&utm_campaign=753ea3d568-E-invoicing+Platform+-+Newsletter+week+23&utm_medium=email</a></p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com5tag:blogger.com,1999:blog-32292837.post-86659848945722909192012-05-21T11:17:00.001+03:002012-05-21T11:17:55.048+03:00The biggest change ever..<p>We have been running a Real Time Economy program in Finland since 2006 and it has become very clear that the elements created (from plan, concept to ready) will create the <strong>biggest change ever in business processes and financial administration.</strong></p> <p>The change is achieved by migration to <strong>real time exchange</strong> of s<strong>tructured and eventually globally ISO-standardized business information</strong> between enterprises and with the public sector. The automation achieved save massively work and costs, mitigates risks in many dimensions and lay the ground for real time management of liquidity and financing.</p> <p>Migration to e-invoicing is laying a large part of the foundation (not a goal in itself) - due to its ability to create and transport structured data.  Saving stamps and envelopes by e-mailing PDFs is not saving much cost and is not laying the base for automation without resorting to difficult scanning procedures.</p> <p>Banks in Finland were able to cut their combined costs in half with help of e-banking (and massively new dimensions of customer value and convenience). The automation layers created on top of e-invoicing will be much more important for society at large. </p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com4tag:blogger.com,1999:blog-32292837.post-33840933479093652432012-05-10T15:10:00.001+03:002012-05-10T15:10:32.964+03:00100% automation<p><a title="http://www.finextra.com/community/fullblog.aspx?blogid=6536" href="http://www.finextra.com/community/fullblog.aspx?blogid=6536">http://www.finextra.com/community/fullblog.aspx?blogid=6536</a></p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com0tag:blogger.com,1999:blog-32292837.post-76892896471477751842012-05-10T15:09:00.003+03:002012-05-10T15:09:51.291+03:00100% SEPA<p><a title="http://www.finextra.com/community/fullblog.aspx?blogid=6535" href="http://www.finextra.com/community/fullblog.aspx?blogid=6535">http://www.finextra.com/community/fullblog.aspx?blogid=6535</a></p> BoHaraldhttp://www.blogger.com/profile/13259079940639302356noreply@blogger.com0