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Commercial documents exchange: a european challenge

De documentation SEPAmail.

Cette page est une traduction de la page Échange de documents commerciaux, un enjeu européen et la traduction est complétée à 88 % et à jour.

Overview

Overview

Background

Important volumes challenges

The situation :

  • More than 200 billions of commercial documents in Europe every year
  • Less than 7% of invoices are sent electronically
  • This area is identified by the European Commission as the next step after SEPASingle Euro Payments Area est un espace européen à l’intérieur duquel les entités économiques peuvent effectuer des paiements en euros avec la même facilité, la même sécurité et les mêmes conditions que pour un paiement national. with savings estimated to 100 billions euros
  • The subject is at the heart of companies concerns (refer to the ABE offical web site (Association Bancaire pour l'Euro - Banking Association for Euro): https://www.abe-eba.eu, and to the report of the eInvoicing group expertsreport)
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Characteristics of commercial documents exchanges

Almost all the current exchanges are performed using:

  • Simple letters
  • Registered letters with or without acknowledgement of receipt
  • Emails
  • Faxes

This involves the folowing drawbacks:

  • no routing guarantee (the responsibility of the sender which manages any return)
  • no formal confidentiality (useless in most of cases)
  • no strict authentication of the sender and of the receiver (usually without concern as most of exchanges are domestic)
  • a complex management of receivers addresses (postal or email addresses)
  • a manual matching of commercial documents with payments
  • millions of participants and an increasing number of relationships (Europeanization and globalization of the economy)

References

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