SEPA and European Payments

Group founded 09 Mar 2007
Posts 65
Members 36
Group summary

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

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Jens Bader

SEPA’s big three – Understanding the impact of incoming payment schemes

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 ...

28 Jul 2021
Peter Larsson

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 go...

31 Dec 2020
Laura Francis

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 ...

05 May 2020
Joris Lochy

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" (

16 Jan 2020
Bernd Richter

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 a...

03 Sep 2019
Bob Lyddon

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...

17 Jan 2019
Bob Lyddon

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 resul...

03 Dec 2018
Bob Lyddon

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 wou...

09 Oct 2018
Bob Lyddon

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...

13 Jul 2018
Bob Lyddon

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...

05 Jun 2018

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