Where can you find a start up which has permission to run a bank? In Finland. Holvi.com is perhaps the most interesting start up over there offering handy banking services to the customers over the internet. Holvi.com is the future of banking. Why? The idea of Holvi.com is fantastic. It brings together all the major functions which businesses, organisations and even events need when administering their finances. It offers a online store fuctionality which can be used for instance in fundraising or selling tickets to the events an electronic billing services through which companies can send out their invoices to their customers an automaticed real time accounts for the incomes and expenses - this means that you have all the time real time and accurate book keeping made by your banking system. I wonder why banks did not invent that superb idea. Holvi has also an intelligent account system which enables the user to administer all the accounts he has right to handle. In other words, as ...