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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.

Fatemeh Nikayin

Fatemeh Nikayin Co-Founder at Rivero

Pay by Bank- prioritising consumers and merchants interests remains a challenge

Account-to-account transactions, otherwise known as ‘pay by bank’, is a fast growing payment trend that leverages existing payment infrastructure and new open banking protocols to securely make a transaction. Thanks to its low fees and high security it's becoming a popular payment topic, but some pressing issues could come to light as the technolo...

/payments /retail

Joris Lochy

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

SEPA Request-to-pay: a door opener to innovation

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 in a digital world should be super easy to accomplish. The reality is however a whole different ball game, resulting from a complex web of dozens of ...

/payments /retail

Retired Member

Retired Member 

How to select a compliant cryptocurrency savings platform in Europe

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-yield passive income. But which company should you trust with your digital assets such as Bitcoin and USDT? There are all kinds of cryptocurrency wealt...

/wealth /crypto

Jens Bader

Jens Bader CEO at Funanga AG

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 borders and simplified payments via bank transfer, direct debit and debit card. Completing this mission has been a fantastic achievement unlike anyth...

/payments /regulation

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

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