Artikelen

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By offering a transparent, single, standardised view via industry standards, corporates can focus their contingency planning on one single communications channel and payments platform. The concept of payment factories is not new, however their widespread adoption is far from ubiquitous. Widely regarded as one of the initial steps towards strategic value creation, particularly to bringing a global treasury function to realisation, it is possibly the most challenging step to undertake given the time, resources and investment initially required by the business to take the decision and establish the process...

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With the establishment of the Single Euro Payments Area (SEPA), there will be no difference in the euro area between national and cross-border retail payments. SEPA will strengthen European integration and is aimed at fostering competition and innovation, and at improving conditions for customers. With the united efforts of the European banking community, legislators and the central banking community, SEPA made a successful start with the introduction of the SEPA credit transfer in 2008 and the SEPA direct debit in 2009. However, in addition to SEPA credit transfers and direct debits, the focus is now moving to the third pillar of SEPA, namely SEPA for cards.

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The latest (unofficial) European Commission (EC) regulation still impacts payment flows, which most banks are not aware of. The potential consequences for the banks could be significant, with huge additional investments required. These do not, however, result in real benefits for the market and the banks themselves. Will the authorities reconsider and make the necessary amendments?

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We live in a real-time and interconnected world where customer tastes change with enormous rapidity. Bank customers expect a real-time experience from their banks, one that is highly integrated into their increasingly digital lives, and one that can adapt quickly to their evolving needs and wants. In conducting our research, we found that the design and implementation of Faster Payments has left some issues that require further attention but the operation of the scheme and infrastructure have been a success. More work needs to be done soon to move the agenda forward and leverage the investments made.

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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 to be well prepared themselves.

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Sinds het verschijnen van het eerste SEPA migratieplan is er veel veranderd. De Europese overschrijving is op de markt gebracht, banken zijn gestart met de uitrol van Europese betaalpassen en zowel op nationaal als op Europees niveau is hard gewerkt om de voorwaarden voor een migratie naar SEPA in te vullen. Sinds mei 2007 zijn twee aangepaste versies gepubliceerd. Nu, met de invoering van de Europese incasso in het vooruitzicht, is het tijd voor een grondige update in de vorm van dit vernieuwde SEPA migratieplan.

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2008 was a challenging year for the single euro payments area (SEPA). It brought the first successful, visible deliverables of SEPA to the market with the introduction of SEPA Credit Transfers and the SEPA card framework. However, much remains to be done to achieve the full objectives, and progress needs to continue.

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The introduction of SEPA, the implementation of the PSD and increasing price competition are just a few of the many challenges currently facing banks. A recent survey among European banks reveals interesting insights into the future of the European payments market.

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In this Q&A, Andrew Reid, director and head of corporate cash management sales, UK & Ireland for Deutsche Bank Global Transaction Banking, outlines the benefits that corporates stand to gain from the introduction of the single euro payments area (SEPA) and how they can achieve these advantages through effective implementation projects and support from their partner banks.