Mobile phones, barcode readers and e-invoices

5 09 2011

During summer I was toying around idea how mobile payments could be combined with barcode readers. Some of my friends have with their iPhone online banking app. They can scan new paper payments with camera and barcode. When scanning picture they upload document info to banking app and pay. It seems to work fine with them.

For this idea, I started to make idea, where one phone app could generate barcodes, send message to email-address or as sms to phone. Receiving party would get message, open his app and read barcode. This message would be then read by own banking app on phone and payment would be executed by phone.

Only it requires one app which generates barcodes including my own bank info and other payment info. This app could be on phone or stand alone service online. Other app, even inside mobile banking, then would read this message and execute payment. If I would not like to pay with my phone, I could read same codes from my PC using my online bank.

This kind of idea would help SME’s to send e-invoices straight to bank customers. Even micropayment could be managed same way.

How do you see this idea?

With pictures it would go like this.


Who is driving your car on a new Road of SEPA

23 11 2009

As some of the companies have already noticed, there is only 13 months time frame and most of the European cash management systems will start to use new Single European Payment system. If you don’t do anything, every money, which you send out as a Euro or receive as a Euro, will be stopped. First day in January 2011 you can use cash, but how efficient you will be?

Your account system has to be ready to accept IBAN codes and BIC’s? So what this means in practice? It is not only technical project, it has several new aspects for you business management. How automated are you systems, do you have most of your client account information restored in your Ledger system, how do you check which accounts are still valid, what kind of systems your bank prefers, what is timetable with your biggest clients to be SEPA compliant. Or how do you pay your salaries to employees. Do you still have several financial departments around Europe?

There are several things what you will notice when you are looking for SEPA consultants. All the SEPA consultants will be busy and their price tag will be hefty. But only half of the consultants have a knowledge what to do.

Before you start your project, talk with me and I will give you advice what you should do.

More info on my SEPA services.


Antti Larvala

+32 494 40 82 92


Do you want to innovate?

13 10 2009

I will start new project, where I discuss every week with companies about service or product innovation. I will use Skype- conferencing tool. In this 30 minute session every week, we share ideas and create new business models or innovations. First sessions will be in Finnish, but I would like to start also another meeting for international customers.

For this project, I would like to ask if you or your company wants to share ideas and create new ideas for your business. During these sessions I can tell my ideas and you can share yours. Somewhere on the line there will be fresh ideas for everyone.

If you are interested in to join, drop me a line and I will schedule a meeting where we all can meet. Only demand is that you have Skype.

First sessions starts in about three weeks time.


Antti Larvala or skype/oskikarhu

Can your customers wait 48 hours before you serve them?

7 10 2009

When you shop on brick and mortar shops, do you have patience to wait 30 minutes before you are served? I assume you would vote with your feet and go to another place, where you get service a bit faster. But when you are interested in to know more about cars, loans or other similar pricey products and seek information from online stores, usual response time is 24 hours to 48 hours.

Last week I made mystery shopping for my customer. I got telephone call from one shop in about 48 hours after I have sent email query to ask more product info. This was normal trend among this customer, who has several brick and mortar shops around the world. Online customers are treated as second class customers. All of the sales clerks feel that when they can not talk face2face with customer, they tend to skip these customers.

Same time management thinks that all the potential customers are treated same way. At least my client this mystery shopping was eye opening experience. There are solutions to correct this thing. Cheapest way is to change mental of sales people, but it is also the hardest one. When management doesn’t get reporting how well customers are treated, they don’t know the full picture. There are also technical solutions. One is mobile CRM, where all the queries are linked in to mobile phones of sales people and same information is produced as sales reporting for management. With this solution waiting time of serving customer is reduced from 48 hours to 2 minutes. Same time sales goes up at least 20  to 40 %.

If cost of this solution is for store of five sales people 125 €/month and one time set up fee is 1 500 €, even the CFO of company can justify this solution. For example car retail, whose monthly turnover is 125 000 € where revenue is 30 000 € month, increasing sales up to decent number of 20 %, means 150 000 € sales and revenue increases to 35 875 €.

Would you like to increase your revenue and serve your customers better. Sometimes being fast means  new revenue and satisfied customers, who tend to pass this information to their friends.

To find out more, call +32 494 40 82 92 or write

New World is here!

24 09 2009

Have you noticed, the world is changing. The customer loyalty and behavior is changing. There are no free lunches anymore. This might be a scary thing, but it can be also opportunity for YOU.

If you want to have your company running for the next year, there are some little things you have to change. Big questions are;

  • How you can make sure that you keep your customers?
  • How do you know or even predict what your customers are talking about you?
  • How you can sell more, but still keep cost down?
  • What are the options, when my customers want to innovate with me?
  • What to do when new technology is coming and consultants speak Jiddish, or at least it sounds like it to you?

There are affordable solutions on the market, but selecting the right ones can be hard. For this reason, I can offer my helping hand explain and guide you to make right decisions.