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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.




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 expertsreport)

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)


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