15 August 2018

SEPA and European Payments

A Finextra Community Group

56Posts 291,566Views 36Comments

Latest blog posts

Bob LyddonLyddon Consulting Services - Thames Ditton

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

13 July 2018  |  5998 views  |  3 comments | recommendations Recommends 0

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 ...

TagsWholesale banking
Bob LyddonLyddon Consulting Services - Thames Ditton

Virtual Accounts and On behalf of payments raise major AML issues

05 June 2018  |  11588 views  |  0 comments | recommendations Recommends 0

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...

TagsPaymentsTransaction banking
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Bob Lyddon
Bob LyddonLyddon Consulting Services - Thames Ditton

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

24 May 2018  |  13384 views  |  0 comments | recommendations Recommends 0

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 ...

TagsWholesale bankingEBAday
Bob Lyddon
Bob LyddonLyddon Consulting Services - Thames Ditton

The Euro's battle for survival - entering the Red Zone

22 May 2018  |  13080 views  |  1 comments | recommendations Recommends 0

We have been analysing, for the thinktank the Bruges Group, the extreme difficulties in which the Eurozone finds itself, after years of economic stimulus totalling over 3% of GDP per annum and the bui...

TagsWholesale bankingTransaction banking
Bob Lyddon
Bob LyddonLyddon Consulting Services - Thames Ditton

Is the ECB bankrupt, at least on a mark-to-market basis?

21 February 2018  |  7867 views  |  0 comments | recommendations Recommends 0

Yesterday Reuters published an article entitled "Restive bond markets may complicate ECB's exit plans". This was a piece speculating about how and when the ECB can taper off and finish its A...

TagsTransaction bankingBrexit
Bob Lyddon
Bob LyddonLyddon Consulting Services - Thames Ditton

Predictions for the Payments industry in 2018: new EU Treaty signed for full EMU

31 December 2017  |  6006 views  |  0 comments | recommendations Recommends 0

This is the third of our predictions for the Payments industry in 2018, and it is about the Euro and its path to full completion. Brexit is both a threat and an opportunity for the “centralisers” at t...

TagsPaymentsBrexit
Bob Lyddon
Bob LyddonLyddon Consulting Services - Thames Ditton

PSD2 compliance for leg-out payments difficilitated by the virtual elimination of Cover payments

28 September 2017  |  6364 views  |  0 comments | recommendations Recommends 0

Banks in the EU/EEA will be obliged – as from January 2018 – to quote all-in prices to their customers for: payments going to or coming from outside the EU/EEA, in any currency; and payments with bot...

TagsPaymentsRegulation & Compliance
Carlos Figueredo
Carlos FigueredoOpen Vector Limited - London

PSD2 - Time for banks to join in or lose out

21 August 2017  |  8766 views  |  1 comments | recommendations Recommends 1

It is no secret that the PSD2 regulation will open up the playing field to Fintechs and to the creation of AISP’s (Account Information Service Providers) and PISP’s (Payment Information Service Provi...

TagsPaymentsOpen APIs
Rakesh Lakhani
Rakesh LakhaniTCS - London

How will banning credit card surcharging impact the uptake of PSD2 PISP transactions

17 August 2017  |  8804 views  |  0 comments | recommendations Recommends 0

PSD2 introduces two measures amongst others that potentially contradict each other and may limit their ability to hit the goals they set out to achieve: Payment Initiation Service Providers (PISPs) ...

TagsPaymentsOpen APIs
Carlos Figueredo
Carlos FigueredoOpen Vector Limited - London

PSD2 Solutions - Who to choose in today's fintech crowded world?

13 August 2017  |  7268 views  |  1 comments | recommendations Recommends 0

There are numerous articles related to PSD2 as to what it is and what it will mean to the various parties involved but there are also countless firms stating that they offer PSD2 solutions, which in t...

TagsPaymentsOpen APIs
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Founded by An ex-member
Date 09 Mar 2007
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The Single Euro Payments Area, the Payments Services Directive, the Eurosystem, TARGET2, STEP2, the Euro and related matters.
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Bob Lyddon
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Carlos Figueredo
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