On the initiative of large French banks (BPCE, CM-CIC, Société Générale, BNP Paribas, Crédit Agricole), SEPAmail™ has been designed to facilitate electronic exchanges between economic institutions of non-accounting documents for payments such as invoices, mandates, advices etc., using flows. This secure messaging system between banks therefore allows traditional payment operations (transfers, debits, etc.) to be carried out with new payment services geared towards client use.
Is it really true that the requirements for corporate clients in e-banking are only geared towards file-based data exchange? Or are on-line administrative operations also affected? Why else do small corporate clients in particular often use e-banking solutions which are designed for private costumers?