<?xml version="1.0"?><rss version="2.0"><channel><title>Richard Davies</title><description>The Finextra Community blog posts of: Richard Davies</description><lastBuildDate>Mon, 14 Dec 2009 17:02:16 GMT</lastBuildDate><link>http://www.finextra.com/community/</link><item><title>SEPA Direct Debits - the best kept secret in payments</title><guid>http://www.finextra.com/community/fullblog.aspx?id=3636</guid><pubDate>Mon, 14 Dec 2009 17:02:16 GMT</pubDate></item><item><title>SEPA the catch 22</title><guid>http://www.finextra.com/community/fullblog.aspx?id=3425</guid><pubDate>Thu, 15 Oct 2009 13:26:33 GMT</pubDate></item><item><title>SEPA Migration - set the date</title><guid>http://www.finextra.com/community/fullblog.aspx?id=3148</guid><pubDate>Fri, 31 Jul 2009 11:33:17 GMT</pubDate></item></channel></rss>