We have been expecting a leveling out in the transaction growth for some time – but 2009 was still a year of strong growth.
The fact that 4,9m out ouf 5,5m citizens are signed up can partly be explained by e-bank login codes being used also for public sector. Otherwise one contract per household could be sufficient (joint accounts often used for bill payments
and childrens’ accounts often included in parents service).
The next big growth area will be consumer e-invoicing. It is kind of anachronic to type in often lengthy details from invoices when it could all be handled with one click – or no click with standing orders (defacto integrated direct debit).