Ed, I don't think it's a "generation thing."  I think it's a rational 
economic actor thing.  Credit cards have successfully won a place alongside 
paper currency because of their significantly different risk-allocation 
features, not because they're cooler than or techi-er than dollar bills.

It seems to me that a large share of e-commerce adoptions take place when a 
sizable trading partner community, with a dominant hub player, is cajoled 
by the hub into process change, to obtain efficiencies that, while they may 
accrue to everyone, probably have the greatest benefit to the hub.   In 
contrast, two isolated trading partners with working paper processes have 
little reason to fix what isn't broke.

I think Gene Hockemeyer is correct that the real obstacle to widespread 
adoption is data harmonization, not technology.   The value proposition for 
e-commerce is faster, cleaner, more efficient:  not a ratio of trees to 
electrons consumed.  Getting "dialtone" over GEIS, a Gentran box or an XML 
interpreter is increasingly trivial, compared to the business disruptions 
caused by improving back-end business practices to the extent necessary to 
reliably and validly populate all fields of relevant standard transaction 
sets.

"EDI" that routinely stuffs key data into nonstandard fields, by bilateral 
agreement, circumvents that step, and in most cases probably is not 
achieving the magnitude of process improvement that would make it 
compelling.  To me, the choice of X12/ASCII/XML/passenger pigeon/etc is 
small change, compared to the bigger question of whether businesses 
actually will choose to normalize their data.

Regards  Jamie Clark

~ James Bryce Clark
~ VP and General Counsel, McLure-Moynihan Inc.
~ 1 818 597 9475   [EMAIL PROTECTED]  (www.mmiec.com)
~ Chair, ABA Business Law Subcommittee on Electronic Commerce
~ (www.abanet.org/buslaw/cyber/ecommerce/ecommerce.html)



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