Transparent, honest and just pricing gives consumers a chance to act in their own interest. Lower costs for service providers will sooner rather than later lead to improved cost – benefit.
To the extent that the rationalization benefits shareholders it is important to remember that the largest shareholders usually are public and private pension schemes – so consumers win also this way.
And of course there is a significant CO2 saving on offer as well.
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Bo, may I elaborate on the key finding?
The trend towards electronic invoicing is prevalent, when forcing the recipients to pay for paper - no doubts. What you have neglected to communicate in light of the facts, as Hannu Savolainen presented this at the e-finance forum, is that there was a 7x increase in PDF-invoicing through e-mail and 1x increase in the bank-driven consumer e-invoicing.
This is the most substantial finding in the whole presentation - but you seem to have missed the point?
This tells that the consumers are actually willing to take in their invoices from large corporates to their personal mailbox rather than to their online bank. This clearly shows, that the user experience is far from easy - as you've constantly been preaching.
The market inhibitors for true electronic ivoicing, within Finland at least, are the three major banks - namely Nordea, Sampo (part of Danske Bank) and OP-Pohjola. When these banks admit their defeat, put their engineers to work and come up with a new concept - the market may, just may, still existing for consumer e-invoicing from the banks' perspective.
Kim Forsman, CEO
Maventa.com - Free Electronic Invoicing
Mr Forsman seems to have a hang-up with banks.
Banks in Finland had signed up 129 000 enterprises by end 2009 - and transactions volumes in this sector is growing with 10-20% per month.
If that's the case, then we assume to see 16.2M messages through the bank network if a 10% mom growth for 2009 is true. Looking forward to see the figures.
Even if you reach 20% in mom growth, it's still just peanuts. No offense.
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