EPC Newsletter Archive

January 2012

Issue 13

• EPC Latest News
  EPC Scheme Change Management 2012 (and Beyond) - Call to Stakeholders: Stay Engaged and Prepare for Impact of SEPA Regulation - Suggestions for changes to SCT and SDD must reach the EPC by end February 2012
• EPC Latest News
  EPC Plenary Meeting Update - Main decisions taken in December 2011
• SEPA Direct Debit (SDD)
  SEPA Direct Debit for Billers: the SDD Business To Business Scheme Timelines - EPC Newsletter series provides support for billers preparing migration to the SDD Schemes
• SEPA for Cards
  Version 6.0 of the SEPA Cards Standardisation Volume - Book of Requirements Published - SEPA cards standardisation continues to move forward
• SEPA Standards
  The History and Vision of EBICS - The EPC Newsletter series provides an overview of banking communication standards in Europe
• Legal and Regulatory Issues
  The New European Decision-Making Landscape: How the European Commission Rules Through 'Delegated Acts' - SEPA Regulation empowers the European Commission to mandate technical requirements applicable to SEPA payment schemes
• Legal and Regulatory Issues
  The 2012 Payment Services Directive Review: Too Much too Soon? - The European Commission must present its report on the application of the Payment Services Directive by 1 November 2012
• SEPA Market Uptake
  SEPA Migration: Facts and Figures - The state-of-play in January 2012
• SEPA for Cash
  Mobile Technology Predicted to be the ATM Industry Game-Changer Over the Next Five Years - Main findings of the ATM Future Trends Report 2012
• Fringe Observations on SEPA
  Reflections on Recent Contributions from the European Commission Directorate General Competition to the Innovation in Payments Debate - Seeking common ground between policy makers and technical experts
• Focus: SEPA Migration
  SEPA Regulation: European Legislator Mandates Migration to SEPA by 1 February 2014 in the Euro Area and Transfers the Responsibility for SEPA Scheme Management to the European Commission - EPC Chair comments on the new regulatory reality governing the integration of the euro payments market
• SEPA Case Studies
  Ahead of the Curve: Deutsche Post Pension Service Completes SEPA Migration - This early mover currently disburses 22.5 million SEPA payments monthly
• SEPA for Mobile
  Public Consultation on 2nd Edition of the EPC White Paper on Mobile Payments - EPC calls for stakeholder feedback by 23 March 2012

October 2011

Issue 12

• EPC Latest News
  SEPA Scheme Rulebooks: Next Edition Available in November 2011! - The EPC publishes new versions of the SEPA Credit Transfer and SEPA Direct Debit Rulebooks
• EPC Latest News
  EPC Plenary Meeting Update - Main decisions taken in September 2011
• SEPA Direct Debit (SDD)
  SEPA Direct Debit for Billers: the SDD Core Scheme Timelines - EPC Newsletter series provides support for billers preparing migration to the SDD Schemes
• Legal and Regulatory Issues
  Payment Services Directive Delayed Onset: Getting Ready for 'D + 1' - As of 2012 a payment must be credited to the account of the payee´s bank by the next business day
• Opinion and Editorial
  ISO 20022 Message Standards: Too Many Flavours? - Domestic specifications of the SEPA data formats risk preventing market harmonisation
• Opinion and Editorial
  Paper Invoice - Thy Days are Numbered - A further progress report on electronic invoicing
• SEPA Market Uptake
  SEPA Migration: Facts and Figures - The state-of-play in October 2011
• Fringe Observations on SEPA
  SEPA Governance: Setting the Record Straight - SEPA is European integration in action. This process allows any party to engage. There is no ‘SEPA governance issue´
• Focus: SEPA Migration
  SEPA Regulation: Last Call to Legislators - EPC invites European lawmakers to align Regulation with bank customer requirements
• Focus: SEPA Migration
  Brave New World: the European Commission Becomes the SEPA Scheme Manager - The EPC offers the regulator some insight on scheme development and rulebook release management
• SEPA Case Studies
  UNIQA Group Austria: Business is Better with SEPA! - Migration experience of this leading insurance company confirms: 'SEPA is an excellent and necessary idea'
• Focus: On Integration and Innovation
  The Economy of Standards: the 'Pros' and 'Cons' of Standards Competition - An introduction to a comprehensive qualitative efficiency comparison using the example of payment cards
• SEPA for Mobile
  Beyond the Hype: Making Mobile Payments Work - EPC 'Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines' and second edition of ‘EPC White Paper on Mobile Payments´

July 2011

Issue 11

• EPC Latest News
  What is Your View? - EPC invites stakeholders to participate in consultations on the SEPA Scheme Rulebooks and the SEPA Cards Standardisation Volume - Book of Requirements
• EPC Latest News
  EPC Goes Social - EPC invites stakeholders to connect to the newly launched EPC social media platforms
• EPC Latest News
  EPC Plenary Meeting Update - Main decisions taken in June 2011
• SEPA Direct Debit (SDD)
  SEPA Direct Debit for Billers: the Creditor Identifier (Go Get It!) - EPC Newsletter series provides support for billers preparing migration to the SDD Schemes
• Legal and Regulatory Issues
  Change is Inevitable... - 'Except from vending machines' (Robert C. Gallagher): the impact of new standards proposed by the CPSS-IOSCO for financial market infrastructures on payment service providers
• Legal and Regulatory Issues
  Get Ready for More - Basel III marks only the beginning of increased regulatory scrutiny of the payments market
• Opinion and Editorial
  A Closer Look at Innovation in Retail Payments - Central bank research in preparation: a report on first findings of working group established by the Committee on Payment and Settlement Systems
• Opinion and Editorial
  Light at the End of the (Harmonisation) Tunnel - 'Third Progress Report on the State of SEPA Migration' prepared by the European Commission Services confirms: mandatory end dates for migration to pan-European payment instruments are required
• SEPA Market Uptake
  Facing the Facts in July 2011 - The EPC Newsletter tracks the progress of SEPA migration
• SEPA for Cash
  One Size Fits All - EPC launches an initiative to ensure the efficient management of the SEPA ATM infrastructure
• Fringe Observations on SEPA
  Direct Debit: Killing it Softly - Reflections on the likely demise of one of the most popular payment instruments in Europe
• SEPA Case Studies
  The Art of Integration - Finnish Government Shared Services Centre for Finance and HR simultaneously migrates to SEPA and new IT systems introduced at central government agencies
• Focus: On Integration and Innovation
  Arrested Development - Inconsistencies between European Commission´s objectives threaten to hamper SEPA progress

April 2011

Issue 10

• EPC Latest News
  SEPA Scheme Change Management - Public consultation starts in May 2011
• EPC Latest News
  EPC Plenary Meeting Update - Main decisions taken in March 2011
• SEPA Direct Debit (SDD)
  SEPA Direct Debit for Billers: The SDD Mandate - EPC Newsletter series provides support for billers preparing migration to the SDD Schemes
• SEPA for Cards
  Time to Prepare the Eulogy - 'Six Feet Under' for the Magnetic Stripe in SEPA - Eurosystem recommends migration to chip-only cards
• SEPA for Cards
  The Magnetic Stripe: Why it is Hard for Americans to Say Good-Bye - In the US, clinging to old-fashioned payment methods is more than just a bad habit
• Legal and Regulatory Issues
  Moving Into New Territory - The impact of the e-money Directive on payment service providers
• Opinion and Editorial
  Dare to be Bold: Electronic Legal Tender is an Option - A SEPA legal tender model spanning both cash and electronic payments
• Opinion and Editorial
  More Europe is Needed, Not Less - Lessons learnt from the financial crisis
• SEPA Market Uptake
  Facing the Facts in April 2011 - The EPC Newsletter tracks the progress of SEPA migration
• Fringe Observations on SEPA
  Innovacompegration (This is Not a Typo) - Reflections on the best approach to innovation, integration and competition in payments
• Focus: SEPA Migration
  The SEPA Regulation - A Progress Report - First reactions by European Parliament and Council of the European Union introduce important improvements to European Commission´s proposal for a SEPA Regulation
• SEPA Case Studies
  The Trailblazer - Kela, the Social Insurance Institution of Finland, completes migration to the SEPA Credit Transfer
• SEPA for Mobile
  Have Your Say - EPC Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines: consultation starts in April 2011

January 2011

Issue 9

• EPC Latest News
  SEPA Scheme Change Management 2011 - Call to Stakeholders - Suggestions for changes to SCT and SDD must reach the EPC by end February 2011
• EPC Latest News
  Update EPC Plenary Meetings - Main decisions taken in December 2010
• EPC Latest News
  Your Points of View - What our readers think of the EPC Newsletter
• SEPA for Cards
  Work in Progress - The EPC approves update of the SEPA Cards Standardisation Volume and a new Resolution 'Preventing Card Fraud in a Mature EMV Environment'
• SEPA Standards
  Building a Single Market for e-Commerce Payments - The SEPA e-Payment Framework - from design via proof of concept to market
• Legal and Regulatory Issues
  Happy New Year? - Post-crisis EU financial sector reform: the impact of 'Basel III' on payments
• Legal and Regulatory Issues
  The King is Dead, Long Live the King - The EPC repeals the Convention for Cross-border Payments in Euros and the Interbank Charging Principles (ICP) Convention
• Opinion and Editorial
  Reaping the Benefits of Electronic Invoicing for Europe - A summary of the European Commission Communication issued in December 2010
• SEPA Market Uptake
  Facing the Facts in January 2011 - The EPC Newsletter tracks the progress of SEPA migration
• SEPA for Cash
  More Market Integration - EPC recommendations regarding proposed Regulation for the professional cross-border road transportation of euro cash
• Fringe Observations on SEPA
  The Good, the Bad, the Ugly and a Knight in Shining Armour? - European Commission requests unprecedented powers to determine payment functionalities
• Focus: SEPA Migration
  The Breakthrough for SEPA? - European Commission publishes proposal for a Regulation establishing technical requirements for credit transfers and direct debits in euros
• Focus: SEPA Migration
  Best of Class: the Netherlands - A case study in successful migration to SEPA
• Focus: SEPA Migration
  How to Migrate to SEPA - Experience in Belgium: what works and what is difficult?

October 2010

Issue 8

• EPC Latest News
  SEPA Schemes: Next Generation - EPC publishes new versions of the SCT and SDD Rulebooks on 1 November 2010
• EPC Latest News
  The Shortcut to SEPA: Who Is Who and Who Does What - Latest EPC releases highlight key SEPA concepts and prove: the IBAN is your new best friend!
• EPC Latest News
  The EPC Newsletter also Makes for a Nice Christmas Present - Do you agree? Please share your thoughts on this newsletter by completing our reader survey!
• EPC Latest News
  Update EPC Plenary Meetings - Main decisions taken in September 2010
• SEPA Standards
  Searching for Enlightenment? - The new book 'ISO 20022 For Dummies' has all the answers!
• SEPA Standards
  The Global Data Highway - The ISO 20022 catalogue of financial services messages: a progress report
• SEPA Standards
  Facing up to the IT Challenge - Choosing the right IT strategy for SEPA compliance
• Legal and Regulatory Issues
  The Way is the Goal - New book on the (rocky) road to EU payments integration
• Opinion and Editorial
  Moving Forward - 'Banks & Future 2010' identifies the trends shaping the European payments market
• Opinion and Editorial
  332 Votes for an End Date - Main findings of the European Payments Survey 2010 on SEPA and the PSD
• SEPA Market Uptake
  Facing the Facts in October 2010 - The EPC Newsletter tracks the progress of SEPA implementation
• SEPA for Cash
  The Single Euro Cash Area - Towards a more efficient European cash society
• Fringe Observations on SEPA
  An Epic Voyage: the SEPA Odyssey - Looking to Homer provides useful insight on the integration of the euro payments market
• Focus: SEPA Migration
  So what´s in a Name? Explaining Payment Schemes, Instruments and Systems - Clarity on payment terms is critical in the debate over the approach to setting end dates for migration to SEPA through EU Regulation
• Focus: SEPA Migration
  Preparation for SEPA by Public Administrations in France - France´s public administrations are among the country´s leading users of cashless payment systems
• Focus: SEPA Migration
  The Quantum Leap for SEPA Direct Debit - From 1 November 2010, all banks in the euro area are reachable for SEPA Core Direct Debit
• SEPA for Mobile
  Common Architecture for Mobile Payments - EPC and GSMA publish joint paper on mobile contactless payments service management

July 2010

Issue 7

• EPC Latest News
  Update EPC Plenary Meetings - Main decisions taken in June 2010
• EPC Latest News
  SEPA Scheme Rulebooks: next Release - Public consultation ends in August 2010
• SEPA for Cards
  EPC Card Fraud Prevention Forum - Agreement on new measures to fight card fraud
• SEPA for Cards
  Standardisation is Key - Focus on security requirements and a European certification framework
• SEPA for Cards
  New Business Opportunities with Chip and PIN - How to create added value based on EMV technology
• SEPA Standards
  New and Improved - EPC publishes updated guidelines on the use of audit trails in security systems
• Legal and Regulatory Issues
  PSD: taking Action - Commission determined to ensure transposition and PSD Expert Group offers further guidance
• Opinion and Editorial
  SEPA in the Context of the Financial Crisis - Retail payments business proves to be resilient
• Opinion and Editorial
  Gaining Momentum - A progress report on e-Invoicing
• SEPA Market Uptake
  Facing the Facts in July 2010 - The EPC Newsletter tracks the progress of SEPA implementation
• SEPA for Cash
  Missed Opportunity - European Commission recommendation on scope and effects of euro cash as legal tender
• SEPA for Cash
  Continued Commitment to high Quality - EU Regulation on authentication of euro coins and handling of euro coins unfit for circulation
• Fringe Observations on SEPA
  Why change? Why me? Why now? - The political mismanagement of the SEPA process reinforces resistance to change
• Focus: SEPA Migration
  On Payments and Light Bulbs - Commission ready to write off SEPA via EU legislation?
• Focus: SEPA Migration
  Promoting the SEPA Vision - European Commission and ECB establish the SEPA Council

April 2010

Issue 6

• EPC Latest News
  Update EPC Plenary Meetings - Main decisions taken in March 2010
• EPC Latest News
  EPC Annual Report 2009 - Driving forward the SEPA vision
• EPC Latest News
  SEPA Scheme Change Management 2010: Public Consultation - All stakeholders are invited to participate in the evolution of the SEPA Schemes
• EPC Latest News
  Don´t get lost in Translation - EPC publication 'SEPA for the Public Sector' now available in all EU languages courtesy of the ECB
• SEPA Direct Debit (SDD)
  New optional SDD Fixed Amount Scheme - Public consultation to close on 13 May 2010
• SEPA Direct Debit (SDD)
  Have it Your Way! - The EPC e-Mandate option: a secure way to authorise a SEPA Direct Debit payment
• SEPA for Cards
  European ATM Fraud Losses down 36 Percent - EMV rollout at ATMs in Europe is helping to reduce skimming losses in some SEPA countries
• Legal and Regulatory Issues
  November 2010: Mandatory Reachability for cross-border Direct Debits - Commission services publish guidance note on application of Article 8 of Regulation (EC) No 924/2009
• Legal and Regulatory Issues
  PSD in Practice: a Follow-Up - Further clarification of key PSD concepts required to ensure full legal harmonisation
• Opinion and Editorial
  SEPA Global Impact: the View from Japan - EPC Newsletter series takes a look at the impact of SEPA beyond Europe
• SEPA Market Uptake
  Facing the Facts in April 2010 - The EPC Newsletter tracks the progress of SEPA implementation
• SEPA for Cash
  Significant Growth in Cashless Payments in Europe - Yet cash will remain predominant payment method in 2014
• Fringe Observations on SEPA
  The Art of communicating SEPA - Who should communicate what to whom in the SEPA process?
• Focus: SEPA Migration
  On SEPA and US Health Care Reform - The EC paper 'SEPA Migration End-Date': a commentary
• SEPA for Mobile
  Making the Connection - EPC cooperates with MobeyForum to boost mobile payments across SEPA

January 2010

Issue 5

• EPC Latest News
  Update EPC Plenary Meetings - Main decisions taken in December 2009
• EPC Latest News
  SEPA Scheme Change Management Cycle 2010 - Suggestions for changes must reach the EPC by end February 2010
• EPC Latest News
  The EPC Shortcut Series: continued - Three new EPC publications highlight key concepts of a SEPA for Cards
• SEPA Direct Debit (SDD)
  Optional SEPA Direct Debit Scheme in the Pipeline - Additional SDD Fixed Amount Scheme provides maximum planning security to consumers and billers
• Legal and Regulatory Issues
  PSD in Practice - Discrepancies in national transposition pose a challenge to banks
• Opinion and Editorial
  SEPA Survey 2009: Corporate Readiness on the Rise - The findings confirm that early movers have everything to gain
• Opinion and Editorial
  Expectations are promising (and Patience is a Virtue) - Results of the Second Annual Progress Report on the state of SEPA migration in 2009
• Opinion and Editorial
  Clarity and Incentives needed - ECOFIN conclusions of December 2009 on setting an end date for migration to SEPA
• SEPA Market Uptake
  Facing the Facts in January 2010 - The EPC Newsletter tracks the progress of SEPA implementation
• SEPA for Cash
  The Road Show - EC expected to harmonise rules for cross-border cash transport by road
• Focus: SEPA and Beyond
  Everybody loves E! - The role of the EPC in the creation of e-SEPA
• Focus: SEPA and Beyond
  Food for Thought - The EC Expert Group on e-Invoicing Final Report
• Focus: SEPA and Beyond
  The big Picture - Dematerialisation of business processes - in payments and beyond
• Fringe Observations on SEPA
  Nowhere to go but forward - How to create momentum for the SEPA programme
• SEPA for Mobile
  SEPA to go - EPC White Paper on mobile payments: consultation is going on now

October 2009

Issue 4

• EPC Latest News
  New SEPA Scheme Rulebooks out now - EPC publishes new versions of the SCT and SDD Rulebooks on 1 November 2009
• EPC Latest News
  Update EPC Plenary Meetings - Main decisions taken in September 2009
• EPC Latest News
  Creating smart SEPA Solutions - New EPC Publication: SEPA for IT Providers
• SEPA Standards
  Going all the Way - EPC guidelines on customer reporting of SEPA Credit Transfers and SEPA Direct Debits
• Legal and Regulatory Issues
  Ready or not... - SDD roll-out possible in case of delayed national PSD implementation
• Legal and Regulatory Issues
  Refunds and Returns revisited - Questions and answers on the correlation between the PSD and the SDD Schemes
• Opinion and Editorial
  The X Factor - Are EU governments still committed to making SEPA a reality?
• Opinion and Editorial
  Towards a SEPA migration end date? - Commission services publish feedback on public consultation on possible end date(s) for SEPA migration
• Opinion and Editorial
  SEPA Roadmap: how to make SEPA a Success - European Commission Communication on "Completing SEPA: a Roadmap for 2009-2012"
• Opinion and Editorial
  Yes we can - Part II - Belgium: a case study in successful migration to SEPA
• SEPA Market Uptake
  Facing the Facts in October 2009 - The EPC Newsletter tracks the progress of SEPA implementation
• SEPA for Cash
  Cashing out - National Central Banks commit to optimise cash handling in SECA: a progress report
• Focus: Launch of the SEPA Direct Debit Schemes
  EPC launches SEPA Direct Debit Schemes - European payments industry confirms commitment to making SEPA a reality
• Focus: Launch of the SEPA Direct Debit Schemes
  Better Business with SEPA Direct Debit - Corporate customers confirm benefits of SEPA implementation
• SEPA for Mobile
  The linking Pin - EPC and GSMA kick off public consultation on Trusted Service Manager requirements

July 2009

Issue 3

• EPC Latest News
  Rock the Vote - Public consultation on SEPA scheme development is going on now
• EPC Latest News
  Early Adopters: move ahead - EPC takes steps to maximise reachability for SEPA Direct Debit
• EPC Latest News
  Update EPC Plenary Meetings - Main decisions taken in June 2009
• EPC Latest News
  Bring in the Fun! - New EPC Publication: SEPA for Consumers
• SEPA Direct Debit (SDD)
  Open for Business - Version 1.2 of the SDD B2B Scheme Rulebook approved
• SEPA for Cards
  Get Involved! - EPC establishes the Cards Stakeholder Group
• SEPA Standards
  It´s all Greek to You? - SEPA payment instruments will support all SEPA languages
• SEPA Standards
  Just a Click away - A progress report on the SEPA e-Payment Framework now out for consultation
• Legal and Regulatory Issues
  Light at the End of the Tunnel - Banking industry expert group publishes guidance document on PSD implementation
• Opinion and Editorial
  Public Administrations do not fully meet Expectations - yet - Commission services publish latest data on SEPA preparedness of public sector
• Opinion and Editorial
  Yes, we can - Part I - Luxemburg: a case study in successful migration to SEPA
• Opinion and Editorial
  Home sweet Home or Global Village? - Future scenarios in wholesale payments: a strategic analysis
• SEPA Market Uptake
  Facing the Facts in July 2009 - The EPC Newsletter tracks the progress of SEPA roll-out
• Focus: ISO 20022 in the SEPA Context
  The silent Revolution - The impact of ISO 20022 on payments services in general and SEPA in particular
• Focus: ISO 20022 in the SEPA Context
  Improving the Bottom Line - ISO 20022 meets key corporate expectations
• Focus: ISO 20022 in the SEPA Context
  Take Payments to the next Level - Benefits of ISO 20022 for bank customers: optimised control and increased efficiency
• SEPA for Mobile
  Joint Action - EPC and GlobalPlatform seek to align mobile contactless technology

April 2009

Issue 2

• EPC Latest News
  SEPA Direct Debit: the Green Light - EPC launches SEPA Direct Debit Schemes in November 2009
• EPC Latest News
  Update EPC Plenary Meetings - Main decisions taken in March 2009
• EPC Latest News
  The Preview - Rulebook Release Management 2009
• EPC Latest News
  SEPA only: the EPC Vision - EPC recommendations on end date for SEPA migration
• EPC Latest News
  New EPC Publications now online - Everything you need to know about SEPA
• SEPA Direct Debit (SDD)
  The Doors are open - Guidelines for adherence to the SEPA Direct Debit Schemes are now available
• SEPA Direct Debit (SDD)
  Creditors: Help is here - EPC introduces rules on the use of legacy mandates under the SDD Scheme
• SEPA Direct Debit (SDD)
  SEPA B2B Direct Debit: the E-Mandate - Public consultation is going on now
• SEPA Credit Transfer (SCT)
  Think ahead - The SEPA Scheme change management
• SEPA Credit Transfer (SCT)
  More is More - EPC Newsletter for Scheme Participants
• SEPA Standards
  Going global - The new ISO Creditor Reference
• Legal and Regulatory Issues
  A mixed Bag - European Parliament approves revised Regulation 2560/2001 on cross-border payments
• Legal and Regulatory Issues
  PSD Implementation: six Months to go - Will Member States meet the deadline?
• Legal and Regulatory Issues
  New Kids on the Block - An introduction to payment institutions
• Opinion and Editorial
  Every Road has got to end somewhere: the Need for a SEPA Migration End Date - Re-emphasised by the European Central Bank
• Opinion and Editorial
  Great Expectations - E-invoicing: time to seize the opportunity
• Opinion and Editorial
  Overcoming the Homer Simpson in us - How to create a less-cash society
• SEPA Market Uptake
  Facing the Facts in April 2009 - EPC tracks progress of SEPA implementation
• Focus: SEPA Readiness in the Public Sector
  Missing in Action, mostly - Public sector lags behind in SEPA implementation
• Focus: SEPA Readiness in the Public Sector
  On Bananas and the Integration of Euro Payments - The SEPA commitment of EU governments
• Focus: SEPA Readiness in the Public Sector
  ECOFIN Council Conclusions: Annual Progress Report on the State of SEPA Migration - European Commission reports on migration by public authorities
• SEPA for Mobile
  SEPA at your Fingertips - The EPC Roadmap for Mobile Payments

January 2009

Issue 1

• EPC Latest News
  Update EPC Plenary Meetings - Main decisions taken in December 2008
• EPC Latest News
  SEPA Schemes: EPC approves Release Schedule - Predictable release cycle ensures planning security
• EPC Latest News
  New EPC Publications available - Everything you always wanted to know about SEPA
• SEPA Direct Debit (SDD)
  Secure and convenient: the E-Mandate Solution - The SEPA Core Direct Debit Scheme now features electronic authorisation of payments
• SEPA Direct Debit (SDD)
  The SEPA Direct Debit Mandate - you will just love it - EPC provides guidance on the creation of easy-to-use SEPA mandate forms
• SEPA Credit Transfer (SCT)
  New SCT Features meet key corporate Requirements - Updated SEPA Credit Transfer Scheme Rulebook goes live in February 2009
• SEPA Credit Transfer (SCT)
  Keep up the good Work - Banks offering SCT services: you in particular want to read this article
• SEPA for Cards
  SEPA for Cards: From Vision to Reality - EPC takes forward its Cards Standardisation Programme
• SEPA Standards
  Less is more: one Standard for Customer-to-Bank Communication - EPC approves updated Implementation Guidelines for the initiation of SEPA payments
• SEPA Standards
  The SEPA Highway for E-Payments - Make electronic payments from your current account across 32 countries
• Legal and Regulatory Issues
  Seeking common Ground - EPC advocates consistent implementation of the Payment Services Directive (PSD)
• Legal and Regulatory Issues
  New Rules on cross-border Payments - Outlook on the revision of EU Regulation 2560/2001
• Opinion and Editorial
  Cheer up: SEPA is on Track and open for Business - Market uptake is in line with roll-out of any major EU integration initiative
• Opinion and Editorial
  Financial Crisis - SEPA can be part of the solution
• SEPA Market Uptake
  Facing the Facts - The EPC Newsletter tracks SEPA progress
• Focus: Corporate SEPA Readiness
  Bring the Prophet to the Mountain - How to convince corporate customers of the benefits SEPA holds for them
• Focus: Corporate SEPA Readiness
  Tomorrow is another Day - SEPA Survey 2008: corporate community lacks sense of SEPA urgency
• Focus: Corporate SEPA Readiness
  Ready, willing and able? - The corporate View on SEPA Implementation
• SEPA for Mobile
  SEPA goes mobile - EPC enables SEPA payments across 32 countries via a cell phone