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