but it still up to you and me - to change our own behavior - to realize that we pay every cent for expensive old fashioned ways of doing things. And that this behavior is not at all environmental friendly.
E-banking enabled rationalization of branch networks in Finland - saving half of the cost for the sector - while the number of transactions grew - 4-5 fold. Where did the saved costs go? Mostly back to customers through fierce price competition. But this would never have happened without transparent and honest pricing = charging extra for services involving manual work.
Now this platform is ready to take on the next layer - e-invoicing working just like payments. This time the savings will not be in banks - but in society at large.