New payment apps designed for release by currency-issuing governments that enable users to automate payments such as taxes, interest expenses, and dividends are now available. Automated cash-accounting function will allow businesses to publish their financial performance online. As a consequence, capital will come to be allocated with confidence and it will be reaching areas of the economy that were previously undetectable. Through the efficient allocation of capital, the demand for labour will also be boosted leading to increased employment and economic growth. These technologies can contribute to the goals of Digital Agenda for Europe and especially to Digital Economy: “Europe's businesses want us to offer them a secure environment, where they will be able to enjoy the benefits of the big data revolution, of cloud computing and cutting-edge technology -and they want to know how they can access finance and support”. (https://ec.europa.eu/digital-agenda/en/digital-economy). Universal access to capital with the help of technology and big data is precisely what these apps are for. More precisely, one of the goals of Digital Economy is: "Better access to capital, lower barriers to success" (https://ec.europa.eu/digital-agenda/better-access-capital-lower-barriers-success:). Such apps can help to maximize the circulation of capital because they *enable instant & universal access* to the most competitive rates of return signaled by the measured performance of producers.

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