Agenda Intro Good examples of eBusiness

Agenda

• Intro

• Good examples of eBusiness

• eInvoicing (B2B)

• eBanking & ePayments

• eGovernment

• eHealth

• GS1 Croatia

• Some conclusions

1. Intro

Political environment + eStrategies Croatia entering EU on July 1st 2013.

• Croatia - two expired strategies:

• eBusiness 2007-20101

• eGovernment 2009-20122

• Two strategies in draft form:

• ePublic procurement 2013-20163

• eHealth 2014-2020

eGoals to achieve

• Costs reduction – can reach up to 2-3% of GDP

• Competitiveness – Croatia is in 2013. lagging in two important competitive factors* (lost rank: from 76th to 81st of 144):

• (lack of) Innovation (score: 3.1 of 7),
• (low) Business sophistication (score: 3.7 of 7).

• More eGovernment services – to citizens and businesses

• Maximal eHealth eServices

• Automation of processes – more efficiency is needed in both public sector administration and general business processes

• Sustainability – paperless green horizon is desirable

2. Good examples of eBusiness

Case1: SMS parking

• Back in 2001. Zagreb started with pilot project

• Now 35 towns in Croatia provide standard and uniform SMS parking payment facility

• All mobile operators are offering payments without prior registration;  pre-paids are charged immediately, post-paids are charged monthly thru their phone bill

• SMS parking is now a normal way of paying parking in Croatia

• SORRY, no foreign mobile operators are (yet) covered  please, use COINS in parking automats!

Case2: ePrescription

• One of several eHealth projects being implemented by Ministry of Health and Croatian Institute for Health Insurance

• ePrescription started in 2011. and fully operational

• All family doctors (2328**) and all pharmacies (612*) are on-line connected to CEZIH (Central Healthcare Information System of Republic of Croatia)

• Results:

• of ~50 M prescriptions in the starting year (2011), more than ~44 M (~88%) where issued and used in electronic form*
• only ~3% of prescription users say they do prefer paper medicine prescription instead of ePrescription*

3. eInvoicing (B2B)

2007-2010 Eurostat data % of enterprises sending and/or receiving eInvoices

Eurostat changing methods…

Eurostat data for 2011 % of enterprises by size sending/receiving e-Invoices

Market penetration 2013 by Billentis - Bruno Koch

2013 worldwide results % of invoices received electronically

eInvoicing in EU & Croatia compared

• eInvoicing is a promising eBusiness B2B area but still has not produced expected economic benefits in Croatia

• In EU B2B eInvoicing has reached significant penetration results and will progress faster after VAT Directive 2010/45 (= equal treatment) has come in effect on January 1st 2013.

• Croatia will benefit from entering in EU on July 1st 2013.

• Croatia has still to launch B2G eInvoicing to accelerate overall eInvoicing usage (new eStrategy not yet ready)

• B2C eInvoicing is slowly spreading in Croatia but it produces no significant impact on economic results and competitive picture of national economy

Service providers situation in Croatia in 2013

4. eBanking & ePayments

Croatian National Bank Data 2011

Internet banking users 2005.-2012.

No. of Internet Transactions and Total value in M€ 2005 - 2012

SEPA in Croatia – when?

Shadow Economy - % of GDP

ePayments impact on shadow economy

5. eGovernment

eCroatia is now part of Ministry of Public Administration

• In 2012. the eCroatia central administrative unit has been incorporated into Ministry of Public Administration (with new 2012. Government) putting in focus only eGovernment and leaving eBusiness out of their scope

• Several new eGovernment projects are underway

• The new Commission for Public Administration Informatisation is compo- sed of several ministers and other high officials is presided by Ms. Milanka Opačić, Deputy Prime Minister and Minister of Social Welfare and Youth

Some national eProjects

eID in Croatia

• eID project is overdue for several years in Croatia

• The new initiative by eCroatia and Ministry of interior is promising a pilot in 2013

• eID will provide PKI certificates to all citizens and enable more eServices in C2G segment

Fina PKI infrastructure in place in Croatia

• Fina (financial agency) provides PKI certificates for: citizens, businesses and applications

• Co-operates with eight (8) banks and provides co-branding secure devices (cards, tokens) including Fina certificates

• The cash transactions fiscalization campaign by Ministry of Finance has boosted use of (soft) certificates. Now ~30.000 but ~100.000 expected by the end June 2013.

• At present ~143.000 Fina certificates used for different eBusiness and eGovernment services

ECDL in Croatia

6. additional eHealth eProjects

• In addition to ePrescription (see Case2):

• eWaiting List - started in 2012. with all public hospitals in Croatia (>65)

• eOrdering - to laboratory or specialist’s examination is underway, to be fully implemented by the end of the year

• Both processes integrated into different HIS (Hospital Information Systems) and family medicine doctor’s information systems, providing machine-to-machine integration

7. GS1 Croatia

• Retail supply chain is well supported by several players – main player is Croatian company Agrokor/Konzum

• GS1 Croatia provides GlobeCat® catalogue application with certified GDSN synchronization capabilities

• For a small country, with limited internal markets, as Croatia, GlobeCat® is important for FMCG exporters

• GS1 Croatia is also trying to promote GS1 standards (GTINs and GLNs) in public sector

Why this critical overview?

• Competitive edge is important to reach benefits

• With time passing the possible benefits become less achievable

• It is possible, when high penetration rates are achieved that little or no benefits are obtained because there is no more competitive edge

• It is still not too late to do the necessary

8. zaključci

• The overall situation with implementation of eBusiness and eGovernment is preoccupying

• Government is reluctant to ‘push harder‘ eGovernment and eBusiness activities

• Unfavorable economic situation (i.e. crisis) is not understood as good starting point for rapid changes

• New initiatives are needed to boost eBusiness

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