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To: micny who wrote (5677)	7/7/1998 3:20:00 PM
From: Brian K Crawford	Read Replies (1) of 8545

<<To work as it currently does would require a similar central bank (fed/ach)/banking system as exists in the US & many South/Central American countries. Electronic (or more accurately, direct debit/drafting) bill payment is already part of many European cultures. >> My recollection is that electronic debit is already very prevalent in Europe. Like 25% share of the payments system, vs 2% in US. The opportunity for a CF type middlemen would therefore appear to be smaller, and it certainly would be more chopped up with local currencies, customs, etc. Kind of gives me the quality control shivers, just thinking about it... Brian

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