here. It was met with a large and polarized response. There were those that agreed wholeheartedly that the banks appear to have ignored e-invoicing, those that believe they've done so with good reason and those that believe the banks have responded to the opportunity. I was especially pleased and flattered that both Jason Busch and Peter Smith - men whose opinion is always worth listening to - took the time to pen robust arguments, one in support and the other disagreeing with the views expressing in Purchasing Insight. It is true that the banks have explored e-invoicing, JP Morgan and RBS are just two examples. But the investment is paltry compared to the investment made daily in other parts of the banking world. The opportunity that they're missing is not the one about jumping on the increasingly attractive bandwagon of P2P - that's the B2B and technology innovators game. The opportunity they are missing is the opportunity to destroy their transaction business - before someone else does it for them.