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| San Francisco, CA, USA Crossing Frontiers in Business-to-Business
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| Executive Summary | 3 | |
| The Good, the Bad, the Ugly | 5 | |
| The Good: Growth in E-Payments | 9 | |
| The Bad: Slow Road in the US | 9 | |
| The Ugly: Labyrinthine Systems | 12 | |
| It Takes a Wagon Train | 15 | |
| The Triumvirate of Pioneers | 15 | |
| Other Factors in the US | 17 | |
| Anatomy of a Pioneer | 20 | |
| Intel's Journey | 22 | |
| Burning a Technology Trail | 25 | |
| The Promised Land: SOA | 25 | |
| Next-Generation Payment Gateway | 27 | |
| Trailblazing Banks | 32 | |
| Citigroup: Lassoing Digital Identity | 33 | |
| Deutsche Bank: Breaking AI Trails | 35 | |
| ABN AMRO: User-Driven Design Principles | 37 | |
| Bank of America: Corralling for the Middle Market | 39 | |
| PNC: Building a Better Mousetrap | 41 | |
| Beyond the Frontier | 44 | |
| Appendix I: VICOR CPPI Details | 46 | |
| Appendix II: Efficiency Gains | 51 | |
| About Celent | 57 | |
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