They are on board with this changes! Make no mistakes, a big part of features can be moved to traditional financial system with little work: http://www.sepaforcorporates.com/sepa-payments/11-things-need-know-sepa-instant-payments/

This means instant, realtime fiat payments in all eurozone. Can be done ... now ... What about zero interest rates for any fiat credit!? CAN BE DONE NOW! Fiat money is not dead but as usual competition is a good thing even in the money world