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SEPA and European Payments

The Single Euro Payments Area, the Payments Services Directive, the Eurosystem, TARGET2, STEP2, the Euro and related matters.

Peter Larsson

Peter Larsson Business Eeveloper - Europe at Tietoevry Banking

Nordic payments evolving

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 going forward. Even further, Lars Sjögren (CEO@P27) states that there is no plan B! In this work, there are multiple parallel streams to gain traction...

/payments /wholesale

Laura Francis

Laura Francis Head of Brand and Marketing at Form3

The New Reality: Directly connect to SEPA Instant without the need for a Central Bank

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 non-banks. The possibility of collaboration between these parties was once thought impossible but today, by utilising close partnerships with Tier 1 b...

/payments

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

PSD2 - 10 questions requiring an answer - Here is a shot on an answer.

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-joris-lochy/), raising 10 questions around PSD2, on which I was searching an answer on. Via different channels, I got requests of many people, that ...

/payments

Bernd Richter

Bernd Richter SVP - FIS Impact Ventures at FIS

European Mobile Payments - the next chapter?

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 alliance of European payment providers wants to create a pan-European standard for smartphone payments as an alternative that does not require Apple, G...

/payments

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Brexit Withdrawal Agreement gives the EU ample scope to continue to spend on the UK's credit card

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 for a little while if they get their €40 billion “divorce settlement” – which will be used to cover normal expenditure and not the items that it was ...

/payments

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Bank of England UK stability fears on Italy banking crisis. Unicredit needs EUR35bn more capital

The Bank of England recently issued its Financial Stability Report and Stress Test results - November 2018. In it the Bank warned that 2 “further deterioration in Italy’s financial outlook could result in material spillovers to the euro area and the UK”. In its more detailed comments the Bank noted that Italian Non-performing loans (NPLs) account f...

/regulation /wholesale

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Eurozone private banks gear up to replace Eurosystem Asset Purchase Programmes

The Eurozone banking system will have to gear itself up this autumn to take over the supply of credit from the Eurosystem, as the Eurosystem’s version of QE - called Asset Purchase Programmes – is wound down. The winding-down is in stages. There will be no new purchases to start with, and then the proceeds of maturing bonds will no longer be re-inv...

/payments /wholesale

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Cyprus' banks reduce their Non-Performing Loans. See how it is done, and weep.

There was an lol for me today, thanks to an article in the Cyprus Business Mail announcing that Non-performing loans (“NPLs”) in the Cypriot banking system had fallen in March 2018 by almost €2.1bn to €19.9bn compared to February’s figure, and that this was the lowest figure for NPLs since December 2014, according to figures issued by the Central ...

/wholesale

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Virtual Accounts and On behalf of payments raise major AML issues

We have issued another call to Wolfsberg Group, this time to make major changes to the section in their Payment Transparency Standards 2017 on “On behalf of” payments, and the related Virtual Accounts over which such payments (and receipts) are passed. This subject is on the agenda on Day 1 of EBADay in Munich. Our analysis is based on a case study...

/payments

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Euro Sovereign Bond-Backed Securities, an anagram for colossal stuffee

The EU has unveiled the awaited plan to create Sovereign Bond-Backed Securities or SBBS in Euro, supposedly “to encourage banks and investors to diversify their holdings of euro zone bonds”. The plan is “meant to address a weakness in the currency bloc that came to light in the 2010-2012 euro zone debt crisis, when banks’ high exposure to their sov...

/wholesale

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