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Where do digital innovations come from?
From investing in research? From investing in infrastructure? From investing in education? From investing in enterprises? Or from investing in speeding up adoption of existing digital services?
I believe that all are important - but the most important is the adoption of the existing - because a fast adoption is a faster step to the following layers. Very few services are dead-end streets - if the obvious question is asked. "What else can we use this for?" (example using bank log-on codes in public sector services).
3rd generation e-banking is based on this and well adopted in all Nordic countries:
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