One more set of very interesting experiments involves electronic bill presentment and bill payment. There are competing models of the way technology can be used to eliminate paper and save time in both the presentment and payment of consumer bills.
This reflects excesses prior to the crisis, the current outlook and the limited willingness and limited ability of fiscal policy to come to the rescue. Of course this has significant imbalances for the New Zealand outlook. Demand from Western countries is gradually improving, but still not very encouraging.