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You miss the most important stakeholder of course: the consumer! Time will tell whether he is sufficiently interested in this new JV in order to have a viable business case

Interesting Bruno... Where can I find the complet list of Payment Institutions?

Micheal,

I think a company should not have to make a difference whether there is a customer or a business at the other side of the chain. As long as the output has a decent translation of the message, the same info could be given in a readable lay-out to the customer, in a coded lay-out to the business.

I think that is perfectly possible if for example banks could play a role in it, or another company that makes the translation... in that case company A sends an XML-invoice out and then there are 2 possibilities at the other side:

- a company B => they choose how to interpret the given info

a customer => gets this via an online banking platform, where the bank services his customer by translating it to a propor lay-out.  Or a simple tool generates an email with the info of the XML-invoice for example.

So to me sending out invoices/bills electronically need only 1 standard to work on.

Honestly I still don't really see the difference, after all E-invoicing is just like ebilling the replacement of paper with electronic documents for saying in a regulated way: "you owe me X dollars". Or is the just the mapping that is different because the so bills need a clientfriendly lay-out and e-invoices may need a little more coding to automate the supply chain of buyer and seller even more?

I mean... the purpose of a bill and an invoice are the same I suppose (unless my English is failing on me too), why then would one try to make 2 standards for it?

Stephen,

Thanks for sharing your experience on biometrics. You some interesting remarks I didn't know about so far.