I Goggled the word互操作性回来的是卫生信息系统在组织边界内和跨组织边界一起工作的能力，以便为个人和社区提供有效的医疗保健。不满，但仍然是一个令人钦佩的目标。事实上，要互操作意味着能够一起工作，not to be identical
为了肯定，金融世界中有相当少数互操作性的例子，因为各方团结在一起并实现了银行的利益，总体上有一些第三方服务提供商管理技术，规则，硬件，安全等。示例包括信用卡和ATM网络。与ATM的互操作性允许消费者在全球范围内使用许多不同的ATM机器。如果您只能使用您的银行的机器，那将是非常限制性的。因此，小银行为客户使用ATM的通行费支付更多，但它是他们提供的服务。
互操作性is a complex subject. This is not about creating open APIs or screen scrapping tools to exchange data. Essentially when it comes to Purchase to Pay, it is about enabling buyers and sellers to use their existing infrastructure without having to log in to other networks to send and receive trading documents (Purchase orders, invoices, shipping notices, acknowledgements, payment advices etc.)
E-invoicing networks are perfect examples where interoperability is so challenging. Many times, a vendor may not provide the interoperability to work with a company’s customers and the various B2B and supplier networks they deploy. Most networks aren’t open (even if they’re based on open XML standards) in large part because true global interoperability agreements are yet to be defined. Today, the concept of interoperability is really mostly about marketing vs. reality.
互操作性around the einvoicing space is not a technical challenge. Those details can be figured out. It’s a commercial one related to how you compensate vendors in an era where suppliers do not pay fees. Imagine credit cards with no interchange to provide back to issuing banks. What would be the incentive to send transactions into the grid? Same with einvoicing, if I dont charge suppliers but my suppliers use other networks to send invoices, how will that work?
So how does this impact banks and their purchase to pay strategies? Many banks are building a suite of offerings working with FinTech, for example in areas such as:
- Accounts Payable automation
- 动态折扣和反向分解计划
- 卡计划
- Working capital platforms
- 检查ACH转换
银行希望提供金融供应链服务（付款，金融，现金管理，汇款细节，货币兑换，风险管理等）以满足数字世界。但银行发现他们在推出AP自动化或支付解决方案方面受到挑战，因为没有任何东西将供应商绑在其中可以为不同的解决方案启用的网络中。
As banks roll out different programs and attempt to onboard suppliers, they find you can only get a small percentage of suppliers on pcard due to interchange rates. Therefore you may want to turn around and try to get the other suppliers on a cheque to ACH payment program with a vendor like Bottomline and theirPaymode产品，或类似的工作资金平台C2FO, but none of these work together.
All of this makes in one bankers words, “for a very clunky environment“。
Not an easy problem to figure out but if we truly want a digitized world, we will need to make progress.
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p.s I will be producing the2016 State of Supply Chain Finance Industry为任何确定其公司应如何进行供应链金融和营运资本解决方案，为其供应商生态系统以及其客户关系提供独立来源。如果您有兴趣成为特色赞助商，请在GlobalBanking.com与DGUSTIN联系
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