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How would there not be a business case for banks? And a huge business case for society at large! We should obviously look forward and change old habits - this is a typical case where clinging to the past is really harmful.

There will be a lot of warts if public-private partnership is not aligned. Like - huge spending of tax payer's money - and total flop as seldom used credentials will not be used. I call this stupidity. There should be enough warning examples already.

Of course it is obvious that progressive banks want to exand the customer value the deliver by enabling use of e-banking id also in other services - primarily of course the public sector. Of course it should be made clear that the banks are only providing the id-channel and have no other responsibility. And banks naturally have the right to not provide the service to non-ethical players - porn, gambling etc.

The focus should be on saving tax payer's money - big time - by providing the service to the public sector.

In this form of reuse there is no need to build anything - just use it. And we know from experience that it works and is the by far most economical way of getting strong ID done.

Mobile for sure is the next main thing. But maybe less than trying to emulate a PC as selfservice financial supermarket - mobile will become the receiving devices for sharply targeted propositions. Sending e-invoices for payment approval will create a massive economy of repetition.

By using bank sign on codes this is not a problem. Signing transaction in the log as all other actions have to be. Just reuse e-banking and relax.

Besides - do people realize that the customers pay every penny and cent of the costs. So closures should be greeting accordingly as good news - even if distances grow - but how often do you really need to go to a branch?

More than half according to experience in Finland. The total cost of banks was cut in half with help of e-banking enabled savings

Anybody out there thinking e-invoicing should not be mandatory in the public sector? Anybody thinking VAT-reporting should not be automated? If not - why not speed it up by setting a deadline?

Sorry Friso - sometimes too busy..