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The Single Euro Payments Area, the Payments Services Directive, the Eurosystem, TARGET2, STEP2, the Euro and related matters.
Money20/20 in Amsterdam comes at a pivotal time for the payments industry. Europe itself is seeing a surge in instant payment initiatives set to reshape the payment landscape. Embedded finance is gain...
In October 2022 the European Commission (EC) announced a legislative proposal to make instant payments in euros available to all citizens with a bank account in the EU/EEA. In short, the EC proposal c...
Last week the European Commission published a draft proposal to amend SEPA legislation. They have commented that the adoption of SEPA Instant Credit Transfers has lagged, and this set of new rules wi...
Account-to-account transactions, otherwise known as ‘pay by bank’, is a fast growing payment trend that leverages existing payment infrastructure and new open banking protocols to securely make a tran...
If you are not working in the payments industry, it remains a mystery why payments are such a complex domain. In its essence, it is just a debit from one account and a credit on another account, which...
If you are a European investor in any asset class, you know that inflation is at a ten-year high and that it is critical to deploy cryptocurrency to hedge against creeping inflation and create high-yi...
SEPA is a European role model in payments harmonisation. It started as the logical next step after the introduction of the Euro as a single currency, and has already standardised Euro payments across ...
One year ago, I posted an article What’s next for Nordic payments? Rise of real-time that is cross Nordic border – the P27 initiative that now has become a de facto infrastructure with a real plan go...
What do a Fintech, a Tier1 bank and a non-bank PSP have in common? The committment and drive to make payments faster, easier and more cost effective for the global financial community. This includes ...
A bit more than 3 months ago, I submitted the blog "PSD2 - 10 questions I would like to see a clear answer on" (https://www.linkedin.com/pulse/psd2-10-questions-i-would-like-see-clear-answer...
Yet another run on mobile payments in Europe - or really the next chapter to build a realistic and successful counterbalance to Apple, Google, Samsung, Visa, Mastercard and alike? An newly created a...
The Daily Express issued a “shock horror” story on 30th December that the EU was in financial meltdown over the loss of the UK’s budget contributions. This seems overstated. They have no need to worry...