Faisal KhanAnswered Feb 8, 2016Replication might not be your best option, find a problem that needs addressing and then find a solution, not the other way around.
To answer your question, if you're going to consider Europe (e.g. Spain) then acquaint yourself with SEPA (Single European Payments Area) and especially SDD (SEPA Direct Debit) Scheme.
Europe is a whole different payments behavioral market than the US. SDD might be something you want to innovate on, a clear leader in this is User' company called http://www.sign2pay.com (Sign2Pay), where the SDD problem was solved by their company using a signature on the mobile device.
You could implement a similar solution for payroll processing.
To answer your question, if you're going to consider Europe (e.g. Spain) then acquaint yourself with SEPA (Single European Payments Area) and especially SDD (SEPA Direct Debit) Scheme.
Europe is a whole different payments behavioral market than the US. SDD might be something you want to innovate on, a clear leader in this is User' company called http://www.sign2pay.com (Sign2Pay), where the SDD problem was solved by their company using a signature on the mobile device.
You could implement a similar solution for payroll processing.