Sepa

Research/SepaFuture of Report

The future of payments in major global markets: A mid-decade review

23 June 2025 102 downloads

Finextra TV/regulation

Is Now an Exciting Time for European Instant Payments Progress?

While attending EBAday 2025 in Paris, Sheri Brandon, Global Head of New Business, Worldline, joined the FinextraTV studio to talk about how instant payments have evolved over the last year. Defining the landscape as exciting within European payments, Brandon explained how progress is being made more significantly, especially within interoperability in the face of SEPA deadlines. On top of this, Brandon gave her predictions for future developments and how to stay ahead of rising fraud threats.

19 June 2025

Finextra TV/payments

The Unique Benefits of a SaaS Approach to Market Changes

At EBAday 2025, Andrea Pennacchia, Head of Banking and PA Solutions, Nexi Group joined the FinextraTV studio to give his insights into the most significant changes within the payments industry. As well as defining the importance of prioritising a level of trust with customer that they have become so used to in other industries, Pennacchia provides an update on instant payments regulations and SEPA developments. Across all, he shows how an SaaS approach for banks allows for a greater advantage.

17 June 2025

News/regulation

EBAday 2025: Building the banking ecosystems of the future

Wolfgang Ehrmann, chairman of the board, Euro Banking Association (EBA), kicked off EBAday 2025 in the historic Louvre in Paris with a welcome statement. Ehrmann reflected that today marks the 20 year milestone of EBAday as well as the fortieth anniversary of the EBA, and highlighted the event’s growth to over 1,400 experts in Paris today.

27 May 2025

News/payments

Banks expect to lose millions in interest due to Sepa Instant

Nearly half of European banks expect to lose millions in interest due to new liquidity demands under the Sepa Instant Payments regulation, but still believe the benefits of the change will outweigh the costs.

26 May 2025

Finextra TV/regulation

Successful Instant Payments Adoption: Is Regulation Enough?

In this FinextraTV interview during NextGen Nordics 2025 in Stockholm, Majda Nogo, Head of Sales and Business Development, Nordics and Baltics, Wordline Financial Services listed the reasons why Instant Payments still presents a number of opportunities to feel optimistic about the future. As part of this, Nogo expressed the belief that regulation and legislation, on its own, is not enough to fuel market adoption.

15 May 2025

News/payments

CaixaBank and BBVA process first Requests to Pay between banks in Europe

CaixaBank and BBVA have teamed up with Spanish payments outfit Iberpay to process the first Requests to Pay between banks in Europe.

15 May 2025

Finextra TV/payments

Are Customer Demands Higher Than Bank Capabilities?

Whilst attending the 2025 NextGen Nordics event, Patrik Havander, Head of Nordics & Baltics at Visa Direct, spoke to FinextraTV to address cross-border payments and the current disparity between customer expectations and bank capabilities. Alongside this, Havander explained how G20 directives and input from the Financial Stability Board show the way the world is evolving and how banks have had to rely on Fintech partnerships to keep up.

13 May 2025

News/regulation

Verification of Payee: Prepare for October 2025 deadlines at NextGen Nordics

In March 2025, the Eurosystem completed exploratory work for offering a Verification of Payee (VoP) service for payment service providers (PSPs) in SEPA, helping them comply with the EU’s Instant Payments Regulation across credit transfers in Euro. NextGen Nordics 2025 at the Münchenbryggeriet in Stockholm, Sweden, on 29 April 2025, will explore how VoP can reduce fraud and payment, and prepare for 5 October 2025, the effective date of the VOP scheme rulebook.

18 March 2025

Research/SepaImpact Study

Cross-border payments: How is the market addressing G20 targets?

19 February 2025 488 downloads

News/regulation

EBA Clearing launches Sepa-wide Verification of Payee

EBA Clearing has launched a Sepa-wide Verification of Payee (VOP) service to help PSPs in Europe meet Instant Payment Regulation requirements.

12 December 2024

News/payments

European mobile payment operators enable interoperability

Bank-backed mobile payment operators from Italy, Spain and Portugal have pioneered interoperable money transfers, making it possible for users to conduct instant cross-border P2P transactions.

14 November 2024

Finextra TV/Sibos

Why Cross Border Real Time Payments are the Next Big Thing

In an interview with FinextraTV in the lead-up to Sibos 2024 in Beijing, China, Ainsley Ward, Vice President Payments Solutions, CGI, explores the topic of instant mandates and the implementation of Verification of Payee (VoP) across Europe. Cross border real time payments as a concept presents a new era of opportunity for the financial services industry because infrastructure is at a point where it can support this form of money movement and nearing the end of the ISO 20022 rollout in November 2025, mandates are ensuring payments are instant across the SEPA inclusion zone. It is evident that change is afoot and that is not stopping any time soon; while the payment environment changes, traditional networks like Swift, Visa and Mastercard will have to fall in line to allow the blossoming of these new real time schemes.

22 October 2024

Finextra TV/payments

Embracing the Shift: Instant Payments and Infrastructure Transformation

Michael Engel, Managing Director & VP of Banking Software at Diebold Nixdorf, highlights the growing shift from traditional to instant payments, driven by increasing demand for speed and agility in transactions. While methods like SEPA and the digital euro gain momentum, the challenge of integrating these with legacy systems persists. Engel emphasises the importance of affordable, cloud-native, microservices-based platforms to boost scalability and security, especially in e-commerce. Success stories show banks launching new services within weeks, a dramatic improvement from the previous six to nine months. As consumer expectations rise, financial institutions must balance innovation with reliability.

21 October 2024

Research/SepaImpact Study

Mastering the Transition to ISO 20022

16 September 2024 500 downloads

Finextra TV/payments

SEPA, ISO 20022 and the Road to Innovation and Resiliency

At EBAday 2024, Renata Vilanova Lobo, Head of Global Clearing, J.P. Morgan Payments, explores the cross-border impact of SEPA on European and global interoperability and why ISO 20022 is crucial for financial institutions. There is an urgency for financial institutions to transition because of deadlines, but also due to the great benefits this change can bring to the industry, being the biggest change in payments in the last 30 years. Resiliency plays a critical role in today's landscape and it is expanding its concept; as a result, and banks must consider geopolitics, economic downturns and unforeseen challenges on top of operational stability.

19 July 2024

Finextra TV/payments

Core Banking Transformation: Enabling Future Growth at a Systemic Bank

Join FinextraTV at the Temenos Community Forum 2024 as Mick Fennell, Business Line Director - Payments, Temenos and Serge Munten, Head of Transformation, Banque Internationale à Luxembourg discuss their digital transformation project and the obstacles the bank faced when modernising core banking and payments capabilities. Scoping out the project, it is explored how BIL decided to completely revisit their IT landscape to enable the bank to manage higher transaction volumes, keep up with changing regulations and drive future growth.

12 July 2024