SEPA

A SEPA Adoption Checklist For Corporates
Brian Hanrahan, Sentenial - 11 May 2010
Adopting single euro payments area (SEPA) payment mechanisms will present a considerable challenge for European businesses over the next few years. However, there are also benefits to be gleaned from ...

SEPA End-date: Regulators Should Take Inspiration from the US Health Care Reform
Gerard Hartsink, European Payments Council (EPC) - 11 May 2010
The single euro payments area (SEPA) discussion paper recently tabled by the European Commission (EC) reveals some trepidation by the regulators to take decisive action. EU lawmakers should take inspi...
Originally published in EPC Newsletter

France's Great SEPA Migration
Selwyn Parker, Freelance Consultant - HSBC Global Transaction Banking - 11 May 2010
The rest of Europe watches with anticipation as France pioneers the great migration to the single euro payments area (SEPA).
Originally published in Treasury World, the treasury and finance magazine from HSBC

New Possibilities in Cross-border Payments
Marco Morsch, Commerzbank AG - 23 Feb 2010
The SEPA Direct Debit scheme should potentially lead to account concentration and better liquidity pooling for companies. However, to derive the full benefit, it is absolutely necessary for corporates...

Recognition Due for Business Drivers of SEPA
Richard Davies, Logica - 21 Jul 2009
Despite the launch of SEPA Credit Transfers and the impending start of SEPA Direct Debits in November, practical implementation remains low, with the full SEPA seeming a distant reality. However, the ...

SEPA Starts to Fulfil its Promises
Vesa Kalliokoski, OpusCapita - Eddy Ouwendijk, Deloitte - Taco De Vries, Atos Origin - 16 Jun 2009
What is the current situation with national migration to SEPA services and how prepared are corporates for this? Last autumn, Deloitte and Atos Consulting analysed the awareness of and the readiness f...
Originally published in OpusCapita Journal

Carpe Diem: the Business Case for SEPA and the PSD During an Economic Slowdown
Slava Gnevko, AlphaNostrum - 27 Jan 2009
This article is a summary of a research paper that analyses the economic situation in the European financial industry, its impact on the cost and time of migration to SEPA and timely, effective implem...

Is Outside Regulation the Answer to a Stagnating SEPA?
Paul Styles, ACI Worldwide - 27 Jan 2009
As some national migration plans for SEPA show signs of lapsing, how can this European standardised payments initiative regain momentum?

Dutch PIN Still Alive and Kicking
Donald Kohen, Enigma Payments Consulting - 20 Jan 2009
The Dutch credit/debit card system is to be phased out and replaced by SEPA, but how fast will this happen and which hurdles must be overcome along the way? Is the right discussion happening between t...

SEPA Migration - With an End Date
Bjorn Flismark, SEB - 21 Oct 2008
The harmonisation of payments across Europe, in the form of SEPA, must have an end date in order to get all the stakeholders on board and in sync.

SEPA and Non-SEPA Payments in Romania
Ionel Dumitru, TransFonD - 30 Sep 2008
How is Romania, a country planning for euro adoption in the next four to six years, preparing its national payments infrastructure for SEPA payments?

SEPA: Industry Targets for Year-end 2008
Karoline von Richthofen, Deutsche Bank - 16 Sep 2008
Nine months since the launch of SEPA, this article considers how the SEPA Credit Transfer (SCT) has fared so far, and what challenges remain for the industry to resolve in order to ensure the long-ter...

SEPA and the Creation of a Cashless Society
Equens - 01 Jul 2008
The single euro payments area (SEPA) will enable customers to make cashless euro payments to anyone located anywhere in the area. But how well are the member states prepared for the shift to a cashles...
Originally published in FST

Liechtenstein & Switzerland From a SEPA Perspective
Gabriel Juri, Swiss Interbank Clearing - 01 Jul 2008
Liechtenstein forms an economic and currency union with Switzerland and - unlike Switzerland - is a member of the European Economic Area (EEA). This article discusses how and why this affects the prin...
Originally published in ClearIT

Borderless Payments - Borderless Fraud
Michelle Weatherhead, ACI Worldwide - 11 Mar 2008
What are the fraud implications of SEPA and how can financial institutions implement a strategic approach to security to combat this?

Finding the Right Path to SEPA
Nicola Toombs, Oracle - 03 Sep 2007
With the deadline for SEPA looming closer, are banks and their customers following the best route to compliance?
Originally published in The Treasurer

The Impact of SEPA in Portugal
Susana Alves, Accenture - Pedro Viana, Accenture - 30 Jul 2007
How will the sophisticated payments structures in Portugal fare as the country adopts the SEPA infrastructure in the coming years?

Switzerland's Progress on SEPA
Gabriel Juri, Swiss Interbank Clearing - 13 Jun 2007
How is Switzerland preparing for SEPA and how is the country progressing in its national migration plan?
Originally published in ClearIT

SEPA Migration Challenges in the Czech Republic and Slovakia
Milan Mácal, Ceskoslovenská Obchodní Banka (CSOB) - KBC Bank - 14 May 2007
What does SEPA mean for Slovakia and the Czech Republic in terms of changes to the domestic clearing systems, payments card business and the use of payment methods? This article discusses the challeng...

The Impact of SEPA on the Irish Payments Industry
Russell Burke, Bank of Ireland - 08 May 2007
The Irish payments industry will be totally transformed by SEPA. This article examines the impact of SEPA and how the Irish payments industry will change.

Bulgaria's Evolving National Payment System
Aleksander Stanev, Bankservice - 17 Apr 2007
This article looks at how the Bulgarian payments system has changed over time, and how it is preparing for the next big challenge - SEPA compliance.

SEPA and Euro Adoption: Malta's Challenge
Peter James Sant, Bank of Valletta - 17 Apr 2007
Banks within Malta and Cyprus can consider the introduction of the euro and SEPA as 'just another project and a change in currency' or re-position themselves by changing the Maltese payments' culture ...