In case the bank provides invoice receipt services and the invoice may be paid conveniently, (i.e. the payment transfer is generated automatically from the invoice), the payment transaction will stay at the bank and will not be taken away to third party payment providers even after the rise of open banking (PSD2). The introduction of instant payments will increase competitiveness of credit transfers compared to other (card based) payment methods, therefore the bank will be able to retain more payment transactions at a higher payment margin.
How it adds value for the SME segment: The penetration of e-invoicing is the lowest in the SME segment: the underlying reason is that automatic receipt and processing of e-invoices is not solved due to the lack of invoicing interoperability: there is a variety of e-invoice formats, and SMEs do not have the resources to develop processes for each e-invoice format sent to them. According to the Billentis report the introduction of e-invoicing saves 60-80% of invoice processing costs compared to paper invoicing.