Large corporate direct debit users in Europe, especially those with Business-to-Consumer (B2C) directs debits, are saying they cannot go out to their 1,000's of customers with paper mandates, give us an SDD e-mandate solution. Paper mandates take far too long to process.

E-mandates don't have to be complicated. They could work like the Ideal system in Netherlands and MyBank system payments approval in which a payment is approved, except that in this case, a mandate is approved. The problem is that only Italy and possibly a couple of other countries are keen on this solution.

And via the SMS system like the SMS Direct solution.

But they both need your approval to fly.

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Go on EPC, surprise everyone, do something sensible quickly.