References and white papers 

Bank of Finland (2008): Payment habits - 2010+ (April 2008)

Basware (2008a): Best practices for electronic invoicing. Basware Business Transactions.

Basware (2008b): E-invoicing in Nordic markets and expansion of e-invoicing across borders - market review. Basware Business Transactions.

Billentis (2007): eBilling - online invoicing, E-Invoicing - electronic invoicing

Brun, M. (2007): Electronic Invoicing to the Public Sector in Denmark

Cap Gemini (2007): World Payments Report.

CEBP (2001): Business to Business EIPP: Presentment Models and Payment Options - Part One: Presentment Models. Council for Electronic Billing and Payment

Christensen, C. (1997): The Innovator's Dilemma. When New Technologies Cause Great Firms to Fail. Harvard Business School Press - Boston, Massachusetts.

EBA (2008): E-invoicing - European market description and analysis. Report by EBA and Innopay released in February 2008.

EBA (2006): Banks preparing for SEPA. Issues to be addressed to achieve SEPA compliance. This is a document by the Euro Banking Association (EBA) and describes the steps towards the SEPA compliance.

ECB (2008): Single Euro Payments Area, 6th Progress Report

ECB (2008): Links on SEPA.

EEI (2007): European Electronic Invoicing

European Commission (2009) - Analysis of Business Requirements for e-Invoicing in a Public Procurement Context
European Commission - Joint Research Center (2007): Carbon footprint - what it is and how to measure it  

EU commission initiative on e-invoicing

EC Expert Group on e-invoicing (January 2009): Mid-term report
EC Expert Group on e-invoicing (June 2008): Status report

Finland's EU Presidency (2006): The Helsinki Manifesto. The Helsinki Manifesto argues that new, concrete measures are needed for turning the Lisbon strategy into a living reality and making Europe more competitive and innovative in a human-centric way.

Haq, S. (2007): Electronic Invoicing Gains as Adoption Barriers Fall. Financial Executive, Sep2007, vol. 23, iss. 7.

IDPM working paper: Mobile Phones and Financial Services in Developing Countries: A Review of Concepts, Methods, Issues, Evidence and Future Research Directions. http://www.sed.manchester.ac.uk/idpm/research/publications/wp/di/di_wp37.htm

Koch, B. (2007): Interoperable Networks and Electronic Invoicing - Successful Network Models. ONCE 2007 Global Summit

Mallat (2006): Consumer and merchant adoption of mobile payments. PhD Thesis at HSE, A-285.

Mallat, Rossi and Tuunainen (2004): Mobile Banking Services. Communications of the ACM, May2004, Vol. 47 Issue 5, p42-46.

Politecnico di Milano (2008): Electronic Invoicing as a "keystone" in the collaboration between companies, banks and PA. Report 2008 Observatory on electronic Invoicing and Dematerialisation.

PricewaterhouseCoopers (2008): Final report on the VAT invoicing rules contained in the VAT Directive (2006/112/EC). The study was carried out for the European Commission.
PricewaterhouseCoopers (2006): Global (E-)Invoicing & (E-)Archiving. Pricewaterhousecoopers.

Rofhök-Björni, A. (2006): Electronic Invoicing in Finland - attitudes towards electronic invoicing by financial managers in small- to mid-sized companies. MSc thesis at Swedish School of Economics and Business Administration.

See-to, E. (2007): When Do You Pay? The Business Impact of Payment Time Perception. Electronic Markets,  vol. 17(2), pp. 153-163.

TIEKE (2005): Verkkolaskufoorumi: Ensiaskeleet verkkolaskutukseen - Ohjeistus verkkolaskun käyttöönottoa suunnitteleville yrityksille (In Finnish). TIEKE Tietoyhteiskunnan kehittämiskeskus ry

TrustWeaver (2008): Tax-Compliant e-invoice life-cycle management. TrustWeaver.

Tumpel-Gugerell, Gertrude (2006): The Lisbon agenda. Speech by Gertrude Tumpel-Gugerell, Member of the Executive Board of the ECB, on the future of payment systems in Europe. IFB seminar, 23rd February 2006.

Current research in the HSE RTE competence center

Haussila, T. (2008): The Role of E-Invoicing and FVC Service Providers in Finland, Analyzing the Breadth and Depth of Integration. MSc thesis at HSE.

Hielkema, H. (2008): Making the tax office processes real-time - estimating the benefits. MSc thesis at HSE.

Hytti, Johanna (2008): RFID - Teknologian hyödyntäminen suomalaisen vähittäiskaupan toimitusketjussa.

Lehtimäki, H. (2008): Factors that enable or hinder the adoption process of electronic invoicing - Case Novart. MSc thesis at HSE.

Lempinen, H. (2009): Building metrics for assessing the business value of information technology - Case electronic order-to-pay process. MSc thesis at HSE.

Penttinen, E. (ed.), 2008: Electronic Invoicing Initiatives in Finland and in the European Union - Taking the Steps towards the Real-Time Economy

Penttinen, E. & Hyytiäinen, M. (2008): The Adoption of Electronic Invoicing in Finnish Private and Public Organizations. Proceedings of the 16th European Conference in Information Systems (ECIS), Galway, Ireland, June 8-11 2008.

Penttinen, E., Hallikainen, P. & Salomäki, T. (2009). Impacts of the Implementation of Electronic Invoicing on Buyer-Seller Relationships. Hawaii International Conference on System Sciences (HICSS), Waikoloa, Big Island, Hawaii, USA, January 5-8, 2009.

Penttinen, E., Salgaro, A., & Haussila, T. (2008). How do electronic invoicing operators create value? Empirical evidence from Finnish and Italian operators. WeB pre-ICIS conference, Paris, France, December 13-17, 2008.

Salomäki, T. (2008): The impacts of e-invoicing on buyer-seller relationships in b2b markets - Case Lindström. MSc thesis at HSE.

Vähätiitto, Jenni (2008): Managing the Transition of Invoicing Process to Business-to Consumers E-invoicing and analyzing the Consumer Experience.

Wirtanen, Jonna (2009): The influence of IFRS implementation on business management in Finnish Born Globals. MSc thesis at HSE.

Links

Join the Cause in Facebook:
In English: "Be Progressive - ask for e-invoice!" 
In Finnish: "Ole edelläkävijä - pyydä e-lasku!"

Join the Real-Time Economy Community group in Facebook:

Calculate your financial paper footprint
Check out the Environmental Defense Paper Calculator

Bo Harald blog on networked economy

Confederation of European Paper Industries CEPI: Environmental Calculator

EEI Platform. Information about e-invoicing in Europe.

Euro Banking Association (EBA). News and information on Euro.
European Payments Council. Relevant information about SEPA and key documents published by EPC.
European Central Bank (ECB). The homepage of ECB.
European Commission website on e-invoicing
eGovernment Progress in EU.

The Federation of Finnish Financial Services (in Finnish, Swedish and English)

Journal of Theoretical and Applied Electronic Commerce Research - There is e.g. a theme number from 2007 (Vol. 2, Issue 2) about mobile commerce.

Tieke ry - Finnish Information Society Development Centre

TIVIT - TIVIT creates new ICT based ecosystems to enable new global growth business for TIVIT's owners and partners. Tivit operates Strategic Centre for Science, Technology and Innovation in the area of information and communication technology (ICT) in Finland.

NES is a cooperation among a group of countries and organizations to facilitate the practical use of electronic collaboration in the procurement chain, based on available international standards. The initiative comprises representation from both government and industry.
ISO20022. Universal Financial Industry (UNIFI) message scheme.
Links on SEPA. European Central Bank . Information and useful links to SEPA.
SWIFT-community
NACHA - The Electronic Payments Association
PayITGreen

Publicity

Brief, 2/2009: Yksinkertainen vallankumous verkossa
Tilisanomat, 3/2009: Integroidulla taloushallinnolla miljardisäästöt - FIA-hanke helpottaa taloushallinnon ammattilaisten työtä
GT News, 12.5.2009: Harnessing the Business Value of IT Investments in the Electronic Order-to-pay Process
IT-viikko, 5.5.2009: Ilmaista sähköistä laskutusta helposti?
Vivere, 28.4.2009: Paperilasku jää eläkkeelle vihdoin Suomessakin
Tietoviikko, 9.4.2009: E-laskusta eteenpäin
Tietoviikko, 9.4.2009: Järjestelmien yhteensopimattomuus kampittaa verkkolaskua. Kalliiksi käy pk-yrittäjälle.
Mediaplanet, 3/2009: Verkkolaskutus tuo uusia mahdollisuuksia ERP-järjestelmiin
Vihreä lanka, 20.3.2009: Hyvästi paperi!
Corporate Financial Systems Journal, Issue 1.10: Finns advance in real-time
Aalto News 5/09: Reaaliaikaista taloutta kehitetään verkkoyhteisössä
Dimes ry, Press release, 4.3.2009: Dimes boosts e-invoicing in the EU
Digitoday, 2.3.2009: Tieto ja Aditro sähköistävät taloushallintoa miljoonahankkeessa
IT-viikko, 24.2.2009: Sosiaalinen media tuottaa ideoita laskujen sähköistämiseen
Tieto, 24.2.2009: Tieto and Aditro aiming for real-time financial management processes
Kehittyvä kiinteistö, 1/2009: Tervetuloa, verkkolasku
Kauppalehti, 12.12.2008: Sähköisellä laskutuksella tehoa taloushallintoon
Nordea News, 4/2008: Paperilaskulla ei ole mitään tulevaisuutta
Amadeus 3/2008: Teknologia muuttaa tulevaisuuden
The Asian Banker, Issue 81: Dial e for invoicing  
Intressi 4/2008: Sähköinen laskutus ottaa vauhtia
Kauppalehti, 6.11.2008: "No more bullshit!"
Tilintarkastus-Revision 5/2008: EU:n sähköisen laskutuksen konseptia kehitetään suomalaisvoimin
FSI Magazine, 4/2008: Electronic invoicing : 238 billion reasons to move on 
Tilisanomat, 23.10.2008: Paperilaskulla ei ole mitään tulevaisuutta
HSE tiedote, 20.10.2008: Reaaliaikaisen talouden verkkoyhteisö palkittiin WSA Finland 2009 -kilpailussa 
Press release, 6.10.2008: Speeding up innovation in the Real-Time Economy Community
Suomen YrittäjäSanomat, 7/2008: Sähköistä liiketoimintasi verkottumalla 
Varma, 3/2008: Pk-yrittäjä säästää viikon vuodessa e-laskutuksella
Intressi, 3/2008: Sähköinen laskutus - mikä se on?
Kauppalehti, 26.6.2008: Eurooppaan puuhataan yhteistä verkkolaskutusta.
Tietoviikko, 9.5.2008: Sähköinen lasku säästää metsää.
Kauppalehti, 28.4.2008: E-lasku tulee varmasti.
Helsingin Sanomat, 12.3.2008: Paperilaskuista luopuminen voisi säästää 400 miljoonaa euroa.
Kauppalehti, 25.2.2008: E-lasku tuo säästöjä.
Kauppalehti, 15.1.2008: Bo Harald usuttaa yrityksiä torjumaan paperiset laskut.
Yrittäjäsanomat, 1/2008: Reaaliaikaisesta taloudesta hyötyvät kaikki.
HSE Newsletter: Real-Time Economy competence center (13.11.2007) (in Finnish)
HSE Avista (2/2007) (in Finnish): Seuraavaksi vuorossa e-laskutus 
Taloussanomat: Verkkolaskusta tulee vietituote (30.10.2007) (in Finnish)