ペイメント・チェーンにおける銀行の役割について-e-invoicingを中心に-

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タイトル別名
  • The Role of Banks in the Payment Chain -Focusing on e-invoicing in EU-
  • ペイメント チェーン ニ オケル ギンコウ ノ ヤクワリ ニ ツイテ e invoicing オ チュウシン ニ

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Banks have played an important role as a payment network between corporates.That is to say,banks have carried on payments through the inter-bank network,which is the last part of business process. Recently,"e-invoicing"has been a particular focus of attention,especially in EU. E-invoicing is defined as the sending of invoices by electronic means,instead of exchanging paper invoices.E-invoicing has several great advantages, including cost savings for both the sender and receiver,and shortening the invoice-to-pay cycle time.The European Union has been a strong advocate of e-invoicing. Large companies has already introduced e-invoicing. There are several service models of e-invoicing, including 2 corner, 3 corner and 4 corner models. The penetration rate of e-invoicing so far is below 10% of all invoices in the EU,but it is growing fast at around 40% per annum. Several large banks already offer or plan to offer e-invoicing services to corporates as a Single Bank Model. However,the Single Bank Model has limitations as for the reachability of customers. The Euro Banking Association (EBA)is planning to establish a pan-European e-invoicing network and offer e-invoicing service using the inter-bank network. This initiative draws attention as an effort to expand banking business to upper stream of the supply chain. This paper studies the current status of e-invoicing in Europe, several business models of e-invicing and EBA e-invoicing initiatives. These studies are followed by the discussion on business rationale for banks to engage in e-invoicing. Some implications for Japanese market are also discussed.

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