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The EPC Newsletter highlights the deliverables accomplished by the more than 360 payment professionals cooperating in the European Payments Council (EPC). They represent all banking communities and sectors in the 32 Single Euro Payments Area (SEPA) countries. In addition, this newsletter documents opinions and research results on a range of important topics which have been contributed by industry professionals actively engaged in SEPA. Last but not least, we are ambitious to provide an informative - and fun! - read for payment professionals and SEPA newcomers alike.