I think Todd might be able to provide a better answer.
The root cause of being behind in B-to-B is the lack of a low-cost small payment system that essentially allows one business to pay another business electronically with enough information so that they know what the payment is for. The invoice number, the date of the invoice, that type of information, has to come with the payment in order for the business to receive it and reconcile their receivables or payables.
The U.S. system, ACH, has virtually an unlimited amount of space in the file to carry information. Our system can carry 80 characters, which is probably insufficient.