Ladders leading to innovation!

1. Ladders leading to innovation! Use familiar tools.. Page 2006-03-23 Top line growth opportunity as key business driver Cost savings for all Ready habit and trust from e-banking Reuse tools - integrated in corporate and public sector services - economy of repetition (learn once - use everywhere Expand further to benefit from economy of reuse, economy of scope and scale Add partners for collaborative offerings Standardize further for end-to-end automation Bring in next level concepts and technology

2. Page 2006-03-23 Not end-user centric New levels of technology in use End-user centric

4. AFI-AFO Needed Today And tomorrow..

6. One Connection for all channels – bank version Invoice Issuer Invoice Receiver B A N K Internet bank Portal File integration ERP Standard File integration ERP Individual eInvoice to Paper Internet bank Portal File integration ERP Standard File integration ERP Individual Paper to eInvoice Tax Compliant Archiving

8. Wisdom from ice hockey: go where it is going !” “ Do not go where the puck is >

9. JOIN THE CAUSE on FACEBOOK! http://apps.new.facebook.com/causes/59608?m=d476a&recruiter_id=6249930

10. Delay is risky… Page 2006-03-23 3 approaches: “ Any hype will do” Early start: “Explorer” Late (re)start: “Panicky follower” “ ICE AGE” “ ICE AGE”

11. The future is not planned nor prognosed. Thank You http://boharald. blog spot.com It is created !