View source for Échange de documents commerciaux, un enjeu européen/en

{{TOC Présentation générale/en}}

[[Catégorie:Présentation générale SEPAMail]]

== 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 SEPA 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 experts[https://www.abe-eba.eu/Repository.aspx?ID=9d62d994-30ca-4d9d-a90e-bca3e86940d3 report])

[[Image:EN-presentation-generale-echange-documents.png|thumb|450px|center]]

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

<languages />