Difficult to understand why this public-private solution has not spread to more than some half a dozen countries (not a big source of income for banks of course - more a question of better customer service and taking responsibility for speeding up e-government. Technology vendors naturally try to sell a separate tool for every purpose - but endusers prefer familiar ones.
The e-payments are introduced in -97 and have grown steadily - much for the same economy of reuse, repetition and trust reasons - but also supported by economy of scope and scale. Plus being made in real time - cutting merchant and bank risks. EU-equivalent volume would be 2,1 billion times.
More interesting statistics here: www.fkl.fi/en/material/statistics/Statistics/Statistics_banks_payment_systems_2001-2010.pdf
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Autor(en)/Author(s): Bo Harald
Quelle/Source: Finextra, 24.04.2011
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