Development incentives and disincentives How could one speed up change in this payment area? Generally, competition in the market place pushes market participants to increase their productivity. If the incumbents are not able to change, they are pushed out of the market. Customers and service providers and customers need as cost-efficient solutions as possible. The most competitive solutions are soon replicated across the sectors.
In some cases the contribution of the authorities is needed. Otherwise the public sector is not able to reap the productivity benefits of ICT and digitalisation. Examples of this can be found in the areas of e-health, e-government, e-learning and e-transport. But here too, there are also forces which try to maintain the current status quo, due to legacy interests.