Proton in Belgium is an excellent example. Interpersonal non-cash payments are possible. WAP technologies will enable credit transfers at any moment, from everywhere. A first pilot application between Germany, France and Luxembourg is in a testing stage. The introduction of the Euro will also facilitate this development.
Interoperability needs to be achieved and agreed between e-money providers.
This is a question of credibility for all of us. The Commission is interested to listen to the various contributions, which will be presented here today. I wish you an interesting and fruitful conference.