Taking the previous blog forward - asking myself questions - and moving the horizontal slider to the right when considering an issue important (in this case for banks)  - and the vertical slider up when being surer. 

1. Is the stable and cheap funding created by transaction accounts (private & corporate) important (full score for most banks)? How sure am I? Full score.

2. Is modern payment services important for gaining new customers (and thus transaction accounts)? Full score on both.

3. Should payment services be developed to address the full value chain (e-invoicing, e-orders, e-cash flow estimates, e-accounting, e-VAT-reporting etc)? Full scores. 

4. Should these services be integrated into e-banking for SMEs? Full scores.

5. Is the SME-sector of strategic importance for new value creation (and income). Full scores.

6. Is the automation of administrative processes in the SME-sector important for their competitiveness and for the national economy? Full scores.

7. Should automation of administrative processes be a top issue when building the Single European market. Full scores.

So i got all marks in the top-right corner...

Have banks realized the importance of their mission? Have they realized its potential - and what will happen in value chain automation/payments/transaction accounts if they do not take action - as an industry and individually. Have they realized that new services do not need to be deeply integrated and that investments are miniscule. Very few it seems. 

What is missing? Leadership.