Creating e-SEPA: Now or never

Gottfried Leibbrandt and Chiel Liezenberg
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Gottfried Leibbrandt: Author and Adviser, Belgium

Journal of Payments Strategy & Systems, 2011, vol. 5, issue 2, 114-124

Abstract: As online payments take off, European banks have a unique chance to get it right, and introduce a bank-driven, Europe-wide infrastructure for e-payments. Such an infrastructure should include a scheme for instant authorisation of e-payments (online, mobile or other), after which clearing and settlement can take place through various channels, such as SCT, SDD or Cards. Such a scheme would include a rulebook, communication/messaging protocols and standards and be open enough to existing customer-to-bank authorisation digital identities and authentication mechanisms. It also needs to be supported by a compelling business model and strong governance.

Keywords: SEPA; e-payments (search for similar items in EconPapers)
JEL-codes: E5 G2 (search for similar items in EconPapers)
Date: 2011
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Persistent link: https://EconPapers.repec.org/RePEc:aza:jpss00:y:2011:v:5:i:2:p:114-124

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