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It is not that difficult - if you have a mission, vision and leadership.

Nobody is suggesting a single common e-id - only the right to use what you have. And you do have e-banking (and can get the credentials even if you do not have an account) - so of course you should have the right to use it also when entering the public sector. Is this difficult to understand?

Education needed first of all to understand that every demand has a cost - and a payer (who is not the shareholder). All costs should be calculated and charged for visibly whenever possible

Now it is seen - easy enough to switch anyway. The customers should understand that they pay every cent for every folly around.

Thank you! I am of course looking backward to demonstrate the steps needed on a ladder-to-the-future in a European type of payment environment. Would be interesting to learn more about the innovations in Dubai - maybe we could find interesting shortcuts...

Clinging to the past has never been a good strategy.

It should be taught in schools (and to elderly people) that digital is cheap and non-digital (cash, cheques and paper or PDF invoices ) are some 10 times more expensive... You here of course understand it.

Cash usage has declined for the last years steadily and significantly in Finland. Maybe the consumers understand that they pay every cent of the 50bn euro cost (EU study) merchants are loaded down with every year. This even if cash appear to be free..

Very interesting! The anti-moneylaundering legislation has surely been checked.

ISO20022 is a growing family - ready for account statements, SEPA-payments, inquiries, payment references, e-invoicing - and very soon for VAT and sales tax reporting (to mention a few).

Without standards - not enough competition - without competition - not enough progress...