What we must strive to accomplish is a payments framework that enables an employer to log on and pay salaries and superannuation contributions through the same system. The costs that employers incur due to manual payments, the lack of standardisation and antiquated practices are enormous. If we can strip away these unnecessary compliance costs, additional 3 per cent SG contributions – if they come to pass – will seem less of an impost. What does all this mean for fund members? Not as much as it does for employers in this case, but there will be some advantages for fund members. Apart from delivering ‘tick-a-box’ consolidation of current multiple accounts, there will be fewer lost super accounts in the future as super will become more like a bank account. Super will – at last – be functionally portable when all that is needed is a BSB and an account number when commencing a new job. If implemented successfully, SuperStream may just get the business community on side with superannuation and lead to engaged memberships.