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We are focusing on automation of VAT-reporting. A move to real time payments is another aspect - and that has to be an EU-wide move for obvious reasons and enterprises should be compensated for the loss of interestfree financing this would be.

High price to pay for some convenience. Reasons for traditional service providers to move to more real time services - and rightly demand KYC and equal regulatory playfield.

Regulators - step in! Or do we have to wait for really big disasters?

Solves a very important problem by providing an alternative security element. This should make banks more active and they should give customers the choice with transparent pricing. SIM may well win then.

I actually think this is good news for operators. When platform neutrality offers and alternative to the SIMcard then banks should have no excuse for not moving in - and when they give their customers the choice of placing their certificate either on the SIMcard or other security element - many will choose the familiar SIM.

Payment automation cannot really be achieved without structured e-invoices. Not to talk about automated accounting, VAT and Sales Tax reporting. All standards are ready in ISO20022..

See the big picture! Now is the time for automating - especially downstream for SMEs. 

One must hope that this includes support for downstream automation - ie electronic invoicing as

1. automated payment initatior,

2. real time payments,

3. data extraction from e-invoices feeding automated sales tax reporting and payments,

4. e-invoice data feeding account statements to create automated accounting for SMEs (and automated cash flow estimates).

This is great. Nondigital payments belong to the past.

Well written. I think Bitcoins will fade away when it is realised that they do not offer any real benefits over already invested in solutions. No real anonymity, no proper supervision, no sustainable cost benefits - having an additional payment system only adds to cost.

Adding costs and making life easier for shady operators..