I det omfang de investeringer, der mærkbart letter omkostningerne ved grænseoverskridende pengeoverførsler, ikke er rentable, fordi de afskrives på et for lille antal betalere, må man konkludere, at hvis de blev gennemført under disse betingelser, ville deres omkostninger blive fordelt på de samlede bankkunder, der intet har at gøre med dette problem.
Investment leading to significant reductions in the cost of cross-border payments would not be profitable because it would be amortised over far too few payers. To that extent, the conclusion must be that making that investment under these conditions would mean applying the costs to all bank customers, most of whom have nothing to do with the matter.