1. News & Insights

Polls

POLL

According to you, by when in Europe it will be a common practice to no longer check-out at physical merchants’? (i.e. payments taking place in the background):

  • In 3 years (12%)
  • In 5 years (32%)
  • In 10 years (29%)
  • More than 10 years (26%)
POLL

When do you think the critical mass of SEPA Instant Credit Transfer transactions will be reached across Europe?

  • In 2018 (13%)
  • In 2019 (28%)
  • In 2020 (27%)
  • After 2020 (32%)
POLL

In your opinion, for which situation would the SEPA Instant Credit Transfer scheme be the most useful?

  • For consumer-to-business payments, when small businesses require to be paid on the spot (ex: moving company, antique dealer…) (48%)
  • For person-to-person payments (35%)
  • For transactions between corporates (14%)
  • For government-related payments (taxes…) (1%)
  • Other (2%)
POLL

In your opinion, how may blockchain technology impact the European payments landscape by 2025?

  • No significant impact (9%)
  • Impact in some niches or aspects of the payments activity (36%)
  • Emergence of innovative customer payment solutions based on blockchain (31%)
  • Impact on the overall infrastructure underlying the payments mass market (24%)
POLL

Future of payments: in your view, which of the following factors is most likely to trigger the next wave of innovation in the European payments market?

  • Mobile payments (29%)
  • Instant payments (42%)
  • Regulation (7%)
  • Virtual currencies (11%)
  • Cyber security (12%)
POLL

In your view, which of the following initiatives will have the greatest impact on the European payments market?

  • European Commission proposal for revised Payment Services Directive (PSD2) (49%)
  • European Commission proposal for new Regulation on interchange fees for card-based payment transactions (23%)
  • Work programme of Euro Retail Payments Board, chaired by European Central Bank (9%)
  • SecuRe Pay Forum recommendations for security of internet payments; for payment account access services; for security of mobile (11%)
  • Guidelines and technical standards issued by European Banking Authority pursuant to mandate provided by proposed PSD2 (Art 86,87 (9%)
POLL

In your view, what is the main advantage for non-consumer payment service users resulting from migration to harmonised SEPA payment schemes and technical standards?

  • Streamline back office processes and, consequently, reduce costs (36%)
  • Collect direct debit payments based on the new harmonised SEPA Direct Debit Schemes across all SEPA countries (26%)
  • Generate efficiencies with implementation of the ISO 20022 message standards (15%)
  • Centralise cash management (12%)
  • Consolidate number of bank accounts required to manage payment business (11%)
POLL

Vote on future EPC Newsletter topics! Which European Union regulatory action impacting euro payments is most important to you?

  • Proposal for a Regulation on electronic identification and trusted services for electronic transactions in the internal market (27%)
  • Revision of the Payment Services Directive (PSD) (33%)
  • Revision of the EU legal framework on the protection of personal data (5%)
  • SEPA governance review (22%)
  • ECB recommendations for the security of internet payments (SecuRe Pay) (12%)
POLL

Vote on the information on SEPA migration in the EPC Newsletter most important to you!

  • SCT and SDD (29%)
  • IBAN and BIC (8%)
  • ISO 20022 / EPC Implementation Guidelines (21%)
  • Regulation (EU) 260/2012 (10%)
  • SEPA Case Studies / Best Practice (31%)
POLL

Vote on EPC Newsletter topic most important to you!

  • SEPA Direct Debit & SEPA Credit Transfer (61%)
  • SEPA for Cards (9%)
  • SEPA for Mobile (8%)
  • SEPA for Cash (2%)
  • Legal and Political/Regulatory Issues Impacting SEPA (12%)
  • Research / Trends in Euro Payments (7%)