INTRODUCTION 2. CURRENT PAYMENTS LANDSCAPE AND ITS SHORTFALLS 2.1. Core payment instruments (credit transfers and direct debits) 2.2. Payment cards 2.3. Payments through the internet (e-payments) 2.4. Mobile [...] Cyprus 1.54 40 87 25 2 072 Luxembourg 2.00 109 76 57 4 166 Malta 1.55 27 63 18 1 108 Netherlands 1.83 125 42 68 2 902 Austria 1.24 46 63 28 1 395 Portugal 1.89 100 39 53 2 060 [...] 251 Sweden 1.85 182 40 89 2 735 United Kingdom 2.33 132 58 56 3 294 Total EU27 1.45 63 52 43 2 194 Source: ECB Payment Statistics, February 2011 EN 24 EN Annex 2: Further background on MIFs
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cheques. (Art. 2 No. 1) – Payment service providers are mainly credit institutions, post office giro institutions and companies which are registered as electronic money institutions (“EMI”; Art. 2 No. 5 in [...] customers higher fees than for “corresponding” domestic payments (Art. 3 Sec. 1 in conjunction with Art. 2 No. 1). – Cross-border payments as stipulated by the Regulation include credit transfers, ATM (Automated [...] ng IBAN and BIC for the transaction to their payment service provider “upon request” (Art. 4 Sec. 2 and 3). – Companies which accept cross-border payments must indicate their IBAN and BIC on their invoices
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SEPA-Lastschrift 22 2 SEPA FÜR KARTEN UND DIE SCHAFFUNG ZUSÄTZLICHER EUROPÄISCHER KARTENSYSTEME 25 2.1 SEPA für Karten: Fortschritt und Orientierungshilfe 25 2.2 Kartenstandardisierung 26 2.3 SEPA-Konformität [...] ZUSÄTZLICHER EUROPÄISCHER KARTENSYSTEME 2.1 SEPA FÜR KARTEN: FORTSCHRITT UND ORIENTIERUNGSHILFE 2.2 KARTENSTANDARDISIERUNG 2.3 SEPA-KONFORMITÄT VON DREI-PARTEIENSYSTEMEN 2.4 SCHAFFUNG ZUSÄTZLICHER EUROPÄISCHER [...] /Left /CalGrayProfile (Gray Gamma 2.2) /CalRGBProfile (Adobe RGB \0501998\051) /CalCMYKProfile (ISO Coated v2 300% \050ECI\051) /sRGBProfile (sRGB IEC61966-2.1) /CannotEmbedFontPolicy /Warning
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ADDITIONAL EUROPEAN CARD SCHEMES 21 2.1 SEPA for Cards: progress and guidance 21 2.2 Cards standardisation 22 2.3 SEPA compliance of three-party card schemes 23 2.4 The emergence of additional European [...] EMERGENCE OF ADDITIONAL EUROPEAN CARD SCHEMES 2.1 SEPA FOR CARDS: PROGRESS AND GUIDANCE 2.2 CARDS STANDARDISATION 2.3 SEPA COMPLIANCE OF THREE-PARTY CARD SCHEMES 2.4 THE EMERGENCE OF ADDITIONAL EUROPEAN CARD [...] /Left /CalGrayProfile (Gray Gamma 2.2) /CalRGBProfile (Adobe RGB \0501998\051) /CalCMYKProfile (ISO Coated v2 300% \050ECI\051) /sRGBProfile (sRGB IEC61966-2.1) /CannotEmbedFontPolicy /Warning
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faithful PSD transposition Member States 1 November 2009 COMPLETING SEPA: A ROADMAP FOR 2009-2012 CEP | Kaiser-Joseph-Str. 266 | 79098 Freiburg | Telefon 0761 38693-0 | www.cep.eu 2 Find [...] schemes card schemes June 2009 2) Infrastructures infrastructures End-2010 and expectations for 1) banks and payment institutions payment services providers End-2010 2) users corporates, SMEs, public [...] guidelines in C2B domain Payment service providers, corporates, SMEs, public administrations, consumers, vendors End-2009 Active communication and implementation of Core and B2B SDD implementation
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Kartenanbieter Juni 2009 2) Infrastrukturbetreiber Infrastrukturbetreiber Ende 2010 und Erfüllung der Erwartungen an 1) Banken und Zahlungsinstitute Zahlungsdienstleister Ende 2010 2) Nutzer Unternehmen [...] Umstellung der öffentlichen Verwaltungen Kommission Ab 2009 bis zum Ende der Umstellungsphase 2. SEPA-Benchmarking-Studie Kommission Mitte 2011 Notwendigkeit der Festlegung eines Fristendes für [...] ECOFIN-Rat Dezember 2009 Abschluss der Folgenabschätzung Kommission Februar 2010 Priorität Nr. 2: Informationskampagnen und Förderung der SEPA-Produkte Erhöhung des Bekanntheitsgrades von SEPA Maßnahmen
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N 2. PRIORITIES FOR THE SEPA ROADMAP 2.1. Priority 1: Foster migration a) An active role for public authorities b) Efficient migration monitoring c) Need to agree on a migration end-date 2.2. Priority [...] migration end-date .................................................................... 5 2.2. Priority 2: Raise SEPA awareness and promote SEPA products................................. 6 a) Raise [...] ECOFIN Council December 2009 Completion of impact assessment work Commission February 2010 2.2. Priority 2: Raise SEPA awareness and promote SEPA products For SEPA to be a success, all parties involved
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Chart 2: Number of contributions by territorial origin EU 11% AT 3% BE 4% DE 28% ES 5% FI 2% FR 9% IE 2% IT 6% NL 8% PT 1% SK 2% LV 1% UK 8%SE 3% HU 2%DK 1% SI 1% CZ 2% EE 1% LT [...] migration, 2 September 2009 Commission européenne, B-1049 Bruxelles / Europese Commissie, B-1049 Brussel - Belgium. Telephone: (32-2) 299 11 11. Office: SPA2 4/67. Telephone: direct line (32-2) 298.49 [...] (ZDH) DE 1. INTRODUCTION 2. METHODOLOGY 3. NUMBER OF RESPONSES 4. CONTENT OF THE RESPONSES 4.1. Assessment of the need for (a) SEPA migration end-date(s) 4.2. What would an 'end-date' for SEPA
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Chart 2: Number of contributions by territorial origin EU 11% AT 3% BE 4% DE 28% ES 5% FI 2% FR 9% IE 2% IT 6% NL 8% PT 1% SK 2% LV 1% UK 8%SE 3% HU 2%DK 1% SI 1% CZ 2% EE 1% LT [...] migration, 2 September 2009 Commission européenne, B-1049 Bruxelles / Europese Commissie, B-1049 Brussel - Belgium. Telephone: (32-2) 299 11 11. Office: SPA2 4/67. Telephone: direct line (32-2) 298.49 [...] (ZDH) DE 1. INTRODUCTION 2. METHODOLOGY 3. NUMBER OF RESPONSES 4. CONTENT OF THE RESPONSES 4.1. Assessment of the need for (a) SEPA migration end-date(s) 4.2. What would an 'end-date' for SEPA
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