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And we do have ISO20022 for payment references, e-invoicing, account statements, public sector reporting and very soon for VAT and sales tax reporting - in addition to SEPA-payments - and do they work nicely together - now and especially in the future...Oh yes..

For e-id the solution is simple. Let citizens use the e-bank login - also in public sector and other 3rd party services. Banks cannot function if the tool is not secure = thus good enough for all services. Should be 4-cornere model to ensure competition and enable signing up with only one - the best bidder.

This is all very important - but the real huge value banks can deliver for enterprises (especially SMEs) and society at large is to integrate invoicing with payments, accounts and e-banking - down the value chain all the way to automated accounting. A bit disturbing that interesting - but much smaller business cases get all the attention.

Thank you Jean Yves! Feel free to recommend our public-private model - reusing existing familiar tools is getting exponentially more important - because citizens have run out of time - and governments out or money. If you can save 100 m tax payers money in Finland - it is a billion in France - easily. But above all you can save citizens nerves - as they can use something they already know and use ever so often anyway....

More https://www.finextra.com/blogs/fullblog.aspx?blogid=5985

Old figures https://www.finextra.com/blogs/fullblog.aspx?blogid=7817

e-ID service for 3rd parties was first launched in the early 90s in Finland. Now it is handling in practise all strong e-id needed by both the public and private sectors - also for signing contracts - also for work roles. Mobile ID is available both from operators and banks (at least Nordea).

This will surely integrate e-invoicing - to support e-accounting with bank statements. And naturally also reuse bank e-id for public sector services - if not already in place..

Access codes in mobile: https://www.nordea.fi/Personal%2bcustomers/760004.html

I do hope that there is an deep enough understanding of how the payment infrastructure should be developed so that it enables full value chain (especially down) real time automation - for SMEs and consumers alike. Media busies itself with mobile cosmetics (new x-interoperability in infras and ecosystems may be difficult to grasp) - thus there is a risk that politicians are highjacked into something with much smaller - if any - real impact.