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Cheques were eliminated in Finland in 1983 when we introduced fees. Many banks do charge for cheques - and I agree that all should. Charging for e-payments and e-banking is naturally based on the value these deliver.

The main alternative to cash in proximity payments is the debit card. Invoices should be issued for all other sales - and sending a notification as SMS with press a approval makes the transaction electronic. 

I do not think cash usage is driven by privacy fears - rather inertia - much caused by the belief that use of cash is not causing consumers a 50bn of costs.

I have not come accross authorities abusing power in the data field - rather the other way around here - it is made almost too difficult for them to get at criminals.

Please use Facebook https://www.facebook.com/bo.harald1 to spread the news - also about new countries setting deadlines for paper invoicing - Kazakstan now.

This is a business case for banks - but also time to contribute to the good for society at large.

Tax payers are supporting banks and even get an owner voice - now banks should pay back by joining forces and create the easy 4-corner model also here. ISO-standard for x-border e-ID messages is an obvious thing to start working for - not only for EU - but globally

This so makes sense - if you want to (i) serve citizens with already familiar highvolume, high security tools - not only for the public sector (ii) speed up take-off of e-government services and (iii) save tax payers money - 100ds of millions.

Only positive experience from Finland and other Nordic-Baltics with technolgy neutral approach.

Now is the time for banks to move higher up in the payment service value chains. Interoperable E-invoicing is a key example - not a goal in itself (only) - but an innovation platform for a wide range of new customer value initiatives. As the ISO20022 message standard for e-invoicing is ready, automates payments easily and is getting new dimensions (factoring, reporting etc) banks have the tools needed.

Would be nice - but I am not really writing these for that reason. Rather the good-for-society-at-large aspect.

Cash is used because of the black economy. The black economy is a huge cost for society - in so many ways. We naturally need stiff competition to drive card acquiring costs down - but in this equation we need regulation making cash cost more visible - and even subsidising card payments would be good for society at large.

Spot on. E-invocing makes invoice financing much easier and supplier finance cheaper for SMEs - all reasons for those driving corporate competitiveness to support. SMEs are over 60% of the economy..