I wrote a blogpost about an idea , which presents a concept of a Money wall (much like a traditional ATM) , where one can go and get micro loans, also the same could be user to give micro loans. 

The details of my post are here 

http://expressimagine.blogspot.com/2009/08/indian-money-savi ng-habits-and-micro.html

Posted it here 

http://boharald.blogspot.com/2009/05/e-banking-and-payments- in-finland.html

So sensemaking to let citizens log in to public sector with e-bank log-on tools.

Check statistics here: http://boharald.blogspot.com/2009/04/e-id-making-great-progr ess.html 

This is so saving both tax payer's money and speeding up e-government as tools are familiar, trusted and much more convenient than any public-sector-only tool would be.  Several countries have already this so obviously beneficial public-private partnership in place. Anybody knowing one reason for why this option should n..

I wrote a blog post on this 

http://www.finextra.com/community/fullblog.aspx?id=2815

ComScore  has released the results of its research into the spread of online banking in Europe. In my view the research must be flawed, I can't believe Finland is only ranked 10th here.

Parts of this press release (full press release: http://www.comscore.com/press/release.asp?press=2777 ):

LONDON, U.K., April 16, 2009 - comScore, Inc. released its first ever ranking of the most visited online banking properties in Europe, based on February 2009 data from the comScore World Metrix audience measu..

I attended a short seminar in which Hannele Walenius presented a joint research on P2P lending, where a loan is established by means of an auction. They had examined and analyzed bidding strategies on Prosper.com, an American P2P lending site. They withheld judgement on such a system. I had only heard of similar initiatives, but had not delved deeper into the social mechanics connected to it.

What we currently see in these lending systems is quite troubling.  The social mechanics of auctions ar..

By now it should be clear that any e-bank for consumers should receive e-invoices for one-click approval.  Before that the service is just a typewriter - to fill in lots of details and lenghty reference numbers.  Salary/pension/direct debit advices etc statements should also be just one click away from the credit transaction.

Any SME-e-banking should have the send-e-invoice form and as soon as possible also support sending invoices as exel- or printfile as a minimum.

Many banks have it - most w..

In my essay I will look into customer participation in new service development within the context of technology-based services, of which e-banking is used as an example. The rapidly changing market with emerging new technologies and demanding customers has made the development of new services a necessity for the service companies to remain competitive. These services should also be timely and fulfill not only the customers' explicit but also their latent needs i.e needs not even known but valu..

The purpose of the essay is to consider bundling (and maybe versioning too) of financial online services on Internet: insurance services, financial services and electronic banking services. At least, bundling of online financial services is considered from the point of view of pricing, profitability, consumers' valuations, marginal costs and price discrimination strategies.