In reply to Robert Whalen.

Hi Robert, I'd like to believe that, but existing institutions will not do it unless a disruptor enters the market. Banks and credit unions have to fund the free checking accounts, and the vast branch, ATM and IT infrastructures somehow, and still show growing profits. Moving to ACH for B2C payments is a big hit to their pocket book. A flat or graduated fee model however, may work for a disruptor that if it was able to stay in the market would eventually start growing rapidly. Even the so called low cost providers e.g., Square want to use ACH primarily to reduce their cost of funding, not necessarily to pass the benefit to the merchants.