Insights

Insight

24 October 19

We need a roadmap for the cashless society

*The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. According to recent figures from industry association UK Finance, one in ten UK adults now live a largely cashless life – in part thanks to the growing acceptance of contactless...

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Insight

09 October 19

Belgium: SCT Inst implementation

* The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. As of March 2019, the Centre for Exchange and Clearing (CEC), the Belgian automated interbank payment system for retail payments, initiated their instant payment platform...

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Insight

26 September 19

Sweden: cashless society and digital transformation

* The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. Sweden is leading the race to become the world's first almost cashless society: the use of cash has been declining for years, and instant mobile payments and other new...

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Insight

03 September 19

Electronic invoicing- gathering pace

*The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. This article is one of an occasional series updating the European Payments Council (EPC) community on developments in e-invoicing, an important adjacent space to the world...

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Insight

05 June 19

MADRE: a Banque de France blockchain project

* The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. In 2017, Banque de France launched MADRE, a project using blockchain to improve the interbank system to enable the exchange of Single Euro Payments Area (SEPA) creditor...

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Insight

15 May 19

Instant Payments System in Romania

* The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Transfond developed a local currency Instant Payments (IP) system based on the SEPA Instant Credit Transfer Scheme (SCT Inst) in Romania. The system was recently launched...

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Insight

25 April 19

SPL: the newest EPC scheme

The Single Euro Payments Area Proxy Lookup (SPL) scheme managed by the European Payments Council (EPC) covers the exchange of the data necessary to initiate payments between proxy-based payment solutions on a pan-European level. Based on this scheme, the SPL service has been ready for market use since...

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Insight

03 April 19

Country profile: payment habits in the Czech Republic

* The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. We continue our series of European payment landscapes with a profile of the Czech Republic. Czechs are frontrunners for contactless card payments and have the highest...

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Insight

19 March 19

Banks regaining the initiative

* The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. Background It has been evident in the last years that banks are increasingly being driven -    by the regulator (stop thinking nationally ! do instant...

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Insight

15 February 19

Discover itsme®: Belgian digital ID

* The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. itsme® is a Belgian ID application that allows users to confirm their identity and approve transactions. Created by a consortium of four leading Belgian banks and one...

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Insight

28 January 19

API Evaluation Group: achievements, challenges and looking ahead

* The views expressed in this article are solely those of the authors and should not be attributed to the European Payments Council. Created in January 2018, the Application Programming Interface Evaluation Group (API EG) was composed of representatives from various account-servicing payment service...

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Insight

10 January 19

Italy: an evolving payment landscape

* The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Italy, one of the largest economies in Europe, has made significant progress in electronic payments in the past ten years and was among the first to adhere to Single...

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Insight

15 November 18

Key findings of World Payments Report 2018

* The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. Capgemini, in conjunction with BNP Paribas recently published the “World Payments Report 2018” (WPR) which provides insightful analysis of the development of the new...

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Insight

03 October 18

Taking a closer look at Norway's payment landscape

* The views expressed in this article are solely those of the author and should not be attributed to the European Payments Council. The Norwegian payment landscape is characterised by increasingly popular card payments and the well-developed infrastructure that supports them. We wanted to find out...

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