OMG, when I read the above article I instantly thought I was in a time warp. Was in 1985, 1995? No, the article's date is 2015 and then reading Mr Rob Walls' quote from Visa Head of Products I realised article is indeed recent. Joke aside, the value proposition to both buyer and seller in using / accepting a 16 digit account # (card) digit payment to replace cheques (checks) hasn't changed. What I hope has changed is the ability of transaction bankers to build the right business case for these VIP parties to adopt change in long held, even legacy work practices. Changing behaviours and work practices are the keys to success and consultative selling (by transaction specialists) is critical. It's pleasing to learn of increased momentum in adopting card based b2b payments, Am sure there is even greater buyer and seller change management consultative selling to happen. :) Peter Gordon