Banks, clearing houses, corporations, companies, technology firms, consultants and academics are all talking about SEPA (the Single Euro Payments Area) and the PSD (Payment Services Directive), and have been since 2000. This book, with contributions from leading figures in banks, corporates, and industry bodies, looks at the payment landscape post-SEPA and the PSD. How will systems have changed? What will it mean to banks products and pricing? How will it change the corporate supply chain? Who will be winners and losers? What strategy should companies employ to benefit from the new regulation? The book includes contributions from leading SEPA experts at SWIFT, IBM, Clear2Pay, Citigroup, JPMorgan, ABNAmro, the European Payments Council, the Euro Bankers Association, Barclays, Royal Bank of Scotland, Deutsche Bank, ING, TWIST, and the European Commission.
ContentsAbout the EditorAbout the ContributorsPrefaceAcknowledgementsAn Introduction to SEPAChris SkinnerPART 1 THE VIEWS OF THE ARCHITECTS1 The EPC and the Single Euro Payments Area (SEPA): It's now up to the banks and their customers!Gerard Hartsink, the EPC2 The economic impact of SEPA on Europe's banksHeiko Schmiedel, the European Central Bank3 The vision of a Single European Payments MarketEva King, the European Commission4 Creating the Payment Services Directive for SEPASharon Bowles, Member of the European ParliamentPART 2 THE VIEWS OF THE PAYMENT PROCESSORS5 Was SEPA worth the effort after all?Geoffroy de Schrevel, SWIFT6 Europe's future payments infrastructuresDaniel Szmukler, EBA CLEARING7 Bilateral clearing likely to be dominant clearing method in SEPAHenrik Parl, Eurogiro8 Is listening to the regulator enough?Nick Senechal, VocaLink9 The implications of SEPA to the NordicsBodil Nelsson and Mats Wallen, Bankgirocentralen BGC AB, Sweden10 Eight Predictions for SEPA's Impact on Payment CardsJohn Chaplin, First Data11 SEPA and eCommerce - the Consumer is KingRene Pelegero, PayPalPART 3 THE VIEWS OF THE BANKS12 The Payment Services Directive - a critical reviewRuth Wandhofer, Citi13 SEPA - The Implications for banksMark Hale, Barclays Bank14 Bring on the benefits, a SEPA success storyJames Barclay, JPMorgan Chase15 The Impact of SEPA on the Irish Payments Industry Brenda O'Connell, Bank of Ireland16 After 2010: Will the customer become King?Harry Leinonen, the Bank of Finland17 The implications of SEPA for e-invoicingErkki Poutiainen, Nordea18 Banking after SEPA: 2010 and beyondDaniele Danese, Banca Popolare di VeronaPART 4 THE VIEWS OF THE CORPORATES19 SEPA: an introduction for corporatesJohn Ryan, CASS Business School20 SEPA: The Corporate PerspectiveGianfranco Tabasso, EACT and Tom Buschman, TWISTPART 5 THE VIEWS OF THE OBSERVERS OF SEPA21 Will the promises of SEPA come true for corporates?Juergen Weiss, Gartner22 The Single European Payments Area - the user and supplier perspectivesDavid Doyle, EU Policy Advisor on Financial Markets23 SEPA - It's Trench WarefareAshley Dowson, the SEPA Consultancy24 Payments Operations - Building to protect the franchiseRobert Bradfield, Ernst & Young25 SWIFT for Corporates, a channel to SEPA?Herve Postic, founder, UTSIT ParisPART 6 THE VIEW OF THE IMPLEMENTERS OF SEPA26 The most critical technologies for SEPANeil Burton, IBM27 Compliance: Friend or Foe?Sean Fitzgerald, Sentenial28SEPA: How the technology requirements for SEPA will help it evolveJonathan Williams, Eiger29 The relationship between SEPA and Anti-Money Laundering (AML)Anthony Kirby, Chair Reference Data Subject Group30 SEPA and identity: are you who you say you are, and does it matter?John Bullard, IdenTrust31 Why SEPA needs e-invoicingBo Harald, TietoEnator32 The Technology Standards required for SEPAChris Pickles, BT33 The most critical technologies for SEPARichard Spong, Sterling CommerceAppendixGlossaryIndex
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