- From: Anders Rundgren <anders.rundgren.net@gmail.com>
- Date: Sat, 7 Dec 2019 08:02:21 +0100
- To: Web Payments Working Group <public-payments-wg@w3.org>
- Cc: Jeffrey Jaffe <jeff@w3.org>
Dear Chairs and WG members,
This recent speech by an ECB board member echoes what I have been saying for quite some time:
https://www.ecb.europa.eu/press/key/date/2019/html/ecb.sp191126~5230672c11.en.html
"progress at the back-end has not translated into similar progress at the front-end, which
remains fragmented, with no European solution emerging for point-of-sale and online payments"
Although not useless, PaymentRequest does not address this problem. It is obvious that a more complete standard is needed in order to succeed. I'm well aware of that this is out of scope for the W3C.
It is worth noting that the ECB use the terms "frontend" and "backend" which have been a stumbling block for the now dormant credit-transfer WG item. ISO 20022 is primarily backend and thus have little to do with PaymentRequest which is frontend. Of course the front- and back-ends must meet somewhere but that is actually one of the more complex topics.
Regards
Anders
non-Member
Received on Saturday, 7 December 2019 07:02:28 UTC