But we have been able to learn from experience overseas and improve the model with features such as ISO 20022 message formats, real-time settlement and the addressing service. And the design of the system, which allows for competitive ‘overlay’ services to use the infrastructure, gives the system flexibility to meet the future needs of users of the Australian payments system.
But the “bright” thing.Report, 341–02: The Conference Board of Canada, Ottawa. ; See Procter & Gamble’s ‘Connect and develop’ tool which increased Research and Development productivity by 60 per cent. 11 Scott Page, The Difference (Princeton University Press, 2004). 12 Scott Page, The Difference (Princeton University Press, 2004). 13 Scott Page, The Difference (Princeton University Press, 2004).