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Thank you Nick. I do see Internet as a "free" infrastructure - much as I see e-banking codes for e-id in society at large, the payment system for transporting e-invoices and e-orders etc. Internet has for sure spawn Google advertising and transferred e-banking into internet-banking. The multifunctional chipcard has been a promise for some time and in the meantime the mobile devices have come closer to provide the same functions and more by having a big screen and being connected to the Internet - good to have options and open competition.

Thank you Susan. I do think that brand value can be supported and having its personality enhanced when the service it represents build on users trust and habit by adding logical additional features - like using e-banking id for third party needs. I agree that "some set of customers" often can be the wrong way - first do things many sets of customers will appreciate and need often. 

A holistic approach is needed - to address often mundane every day needs. The brand should also benefit from teaming up with other brands who can add their part of the holistic solution needed. One service provider can only do so much alone.

Disruption - yes. But also disruption needs a base to build on. It is after all human behavior that has to change.

Consumer e-invoicing has been very successful in the Nordics and continue to grow very fast.