I would like to pay with my cell phone. I would like the receipt to be stored in electronic form in a neutral location. I would like to be able to transfer the data (content in detail) of the receipts electronically to an accounting program.

But I don't want to have to use a different app for every store. So I prefer to continue paying by credit card.

SIX, Swiss Post, Swisscom, Coop and Migros: form a consortium (max. two consortia) or a public limited company and develop an ingenious system together that works independently of the points of sale.

Perhaps Microsoft and Google (Google Wallet) should not be left out completely. The Swiss like to travel...