Complete list of retail payments-related publications and links

Related publications

2015

  • 27/11/2015 -  Instant payments across Europe by November 2017
  • 26/11/2015 -  Fourth meeting of the Euro Retail Payments Board (ERPB)
  • 18/11/2015 -  Speech by Yves Mersch at the Euro Finance Week on instant payments, Vision 2020 and CMU
  • 29/09/2015 -  Speech by Yves Mersch on means of payments and SMEs
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  • 29/06/2015 -  Third meeting of the Euro Retail Payments Board (ERPB) on instant payments and more
  • 04/06/2015  -  Introductory speech by Yves Mersch at the Joint ECB/Suomen Pankki Conference
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  • 04-05/06/2015  -  Joint ECB/Suomen Pankki Conference Getting the balance right: innovation, trust and regulation in retail payments
  • 19/05/2015  -  Interchange fee regulation published in the Official Journal of the European Union Regulation (EU) 2015/751
  • 09/03/2015  -  EBA CLEARING announced the formation of an Instant Payment Task Force to support the creation of a pan-European solution for instant payment processing EBA CLEARING
  • 06/03/2015  -  EBA to launch an Open Forum on Instant Payments EBA NEWS
  • 02/03/2015  -  Virtual currency schemes - a further analysis

2014

  • 09/12/2014  - Press release - Euro Retail Payments Board (ERPB) to address instant payments in euro and remaining SEPA issues more Second meeting of the ERPB Statement
  • 18/11/2014 - 18 Nov 2014 Guide for the Assessment of Direct Debit Schemes against the Oversight Standards Guide for the Assessment of Credit Transfer Schemes against the Oversight Standards
  • 30/10/2014  - Call for papers: “Getting the balance right: innovation, trust and regulation in retail payments” – Joint conference by the European Central Bank and Suomen Pankki. Submission deadline: 31 January 2015.
  • 28/08/2014  - Payment Account Directive published in the Official Journal of the European Union en
  • 01/08/2014  -; Press release marking the completion of SEPA for credit transfers and direct debits in the euro area en
  • 16/05/2014  - First meeting of the ERPB - en
  • 29/04/2014  - Card payments in Europe – a renewed focus on SEPA for cards
  • 24/03/2014  - Efficient retail payments: key in strengthening the competitiveness and growth potential of the EU, speech by Yves Mersch, Member of the Executive Board of the ECB
  • 10/02/2014  - Opinion of the ECB on the European Commission proposal for a revised Payment Services Directive (PSD2): ENGLISH
    Opinion for a regulation on interchange fees for card-based payment transactions: ENGLISH
  • 23/01/2014  - Opinion of the ECB for a Regulation amending Regulation (EU) No 260/2012 as regards migration to Union-wide credit transfers and direct debits: ENGLISH
  • 09/01/2014  - ECB Recommendation on payment statistics for NCBs of Member States whose currency is not the euro (ECB/2013/44) ENGLISH

2013

2012

2011

  • 04/11/2011  - Conference proceedings and final working papers of the ECB/OeNB conference on the future of retail payments in May 2011: more
  • 07/10/2011  -  Occasional Paper on multilateral interchange fees in payment card markets and related issues
  • 31/08/2011  - Speech: Peter Praet: A new voice on a familiar topic – SEPA from the perspective of ECB Executive Board member Peter Praet. Presented at the off-site meeting of the European Payments Council speech
  • 06/06/2011  - European Business Test Panel: SEPA Corporate Survey Report 2011
  • 23/05/2011  - Speech: Gertrude Tumpel-Gugerell: SEPA in der Praxis – Sicht der Europäischen Zentralbank speech (German)
  • 13/05/2011  - Speech: Gertrude Tumpel-Gugerell: Closing remarks for the conference “The future of retail payments: opportunities and challenges speech
  • 13/05/2011  - ECB and OeNB call for a faster implementation of the Single Euro Payments Area press release
  • 12/05/2011  - Speech: Gertrude Tumpel-Gugerell: Transformation of the banking business and its impact on retail payments: governance, efficiency and integration speech
  • 08/04/2011  - ECB's opinion on the proposal for a Regulation establishing EU-wide requirements for credit transfers and direct debits in euro, download

2010

  • 25/11/2010  -  Speech: Gertrude Tumpel-Gugerell: SEPA: a busy year is coming to its end and another exciting year lies ahead, speech
  • 15/11/2010  - Speech: Gertrude Tumpel-Gugerell: Priorities for Integration, speech
  • 22/10/2010  - 7th SEPA Progress Report: Migration continues but requires realistic but ambitious regulatory end dates, download , press release: de . el . en . es . fi . fr . it . nl . pt . sk . sl . sv
  • 18/10/2010  - Speech: Gertrude Tumpel-Gugerell: The Single Euro Payments Area - where do we stand?, speech
  • 06/09/2010  - Book on the payment system and the role of the Eurosystem in this field, download , press release
  • 06/07/2010  - Eurosystem's comment on the European Commission's "Working paper on SEPA migration end date", download
  • 07/06/2010  - SEPA Council meets for the first time, discusses migration end dates and future of SEPA for cards more
  • 05/05/2010  - Speech: Gertrude Tumpel-Gugerell: SEPA for cards: more than a symbol of SEPA’s success more
  • 28/04/2010  - Speech: Gertrude Tumpel-Gugerell: Time ripens all things, and now the time is ripe to reap the benefits from E-invoicing more

2009

  • 30/12/2009  - Working paper: Return to retail banking and payments (Working Paper No. 1135), by Iftekhar Hasan, Heiko Schmiedel and Liang Song, ENGLISH
  • 30/12/2009  - Conference: Retail payments - integration and innovation (A joint conference by the ECB and de Nederlandsche bank 25 - 26 May 2009) ENGLISH [online only]
  • 23/11/2009  - Speech: The Progress of Migration to SEPA, Keynote address by Gertrude Tumpel-Gugerell, Member of the Executive Board of the ECB at the British Bankers’ Association, 7th Annual Payments Conference, London, 23 November 2009 more
  • 13/10/2009  - Speech: Payments are becoming European, Speech by Gertrude Tumpel-Gugerell, Member of the Executive Board of the ECB, at the EPC SEPA Direct Debit launch event, Brussels, 13 October 2009 more
  • 23/09/2009  - 30-page SEPA brochure БЪЛГАРСКИ . ČEŠTINA . DANSK . DEUTSCH . EΛΛΗΝΙΚΆ . ENGLISH . ESPAÑOL . EESTI KEEL . SUOMI . FRANÇAIS . MAGYAR . ITALIANO . LIETUVIŲ . LATVIEŠU . MALTI . NEDERLANDS . POLSKI . PORTUGUÊS . ROMÂNĂ . SLOVENČINA . SLOVENŠČINA . SVENSKA
  • 09/09/2009  - Speech: A single market for cards: the missing piece in the SEPA puzzle, by Gertrude Tumpel-Gugerell, Member of the Executive Board of the ECB more
  • 02/09/2009  - Speech - The tiger, the ox and the rat, and the future of retail payments in Europe, by Daniela Russo at the EPC Coordination Committee offsite meeting in Château-de-Limelette ENGLISH
  • 06/07/2009 - Speech: Implementing SEPA: our expedition to 
a fully integrated euro retail payment market, by Gertrude Tumpel-Gugerell, Member of the Executive Board of the ECB more
  • 25/05/2009 - Speech: Integration and innovation - The Alpha and Omega of a successful retail payments market in Europe, by Jean-Claude Trichet, President of the European Central Bank more
  • 06/05/2009 - Speech: From fragmentation to integration: could the payment systems experience in Europe be useful for Asia? By Jean-Michel Godeffroy at Payment China 2009 in Beijing ENGLISH
  • 27/03/2009 - The expectations of the Eurosystem as regards the future of SEPA DEUTSCH , EΛΛΗΝΙΚΆ , ENGLISH , ESPAÑOL , SUOMI , FRANÇAIS , ITALIANO , MALTI , NEDERLANDS , PORTUGUÊS , SLOVENČINA , SLOVENŠČINA , SVENSKA and form . See also the Press release
  • 24/03/2009 - Joint statement by the European Commission and the European Central Bank clarifying certain principles underlying a future SEPA direct debit (SDD) business modell ENGLISH . See also the Press release
  • 24/03/2009 - Press release: Commission and ECB provide further clarification to ensure timely launch of SEPA direct debit scheme more
  • 23/03/2009 - Terms of reference: SEPA-compliance of card schemes more
  • 16/03/2009 - The Quest for the Holy Grail? – European Financial Integration: Achievements and Hurdles more
  • 06/02/2009 - Opinion on a directive on the taking up, pursuit and prudential supervision of the business of electronic money institutions (CON/2008/84)  ENGLISH  more
  • 28/01/2009  Opinion on a new regulation on cross-border payments in the Community (CON/2009/1)  ENGLISH  more

2008

  • 24/11/2008 - Press release: SEPA: Significant progress made but concerns need to be addressed without delay (Sixth SEPA progress report),  de .  el .  en .  es .  fi .  fr .  it .  nl .  pt .  sk .  sl .  sv, Sixth SEPA progress report, 652 kb, en
  • 20/11/2008 - Speech: Enhancing infrastructures for the EU financial market more
  • 20/11/2008 - Speech: Do you SEPA? The ECB's point of view more
  • 20/11/2008 - Speech: The role of retail finance for financial markets efficiency and stability more
  • 4/09/2008 - Press release: Commission and ECB support launch of pan-European SEPA Direct Debit; provide guidance to industry more
  • 3/09/2008 - Speech at the EPC Coordination Committee offsite meeting in Château-de-Limelette more
  • 2/07/2008 - Speech: The future of cards and payments: SEPA for cards more
  • 16/06/2008 - Speech at the International Bankers’ Club more
  • 25/04/2008 - Terms of reference: SEPA-compliance of infrastructures more
  • 17/04/2008 - Speech: Corporates in the Single Euro Payments Area: Business as usual? more
  • 12/02/2008 - Speech: SEPA for cards - a great opportunity for Europe? by Jean-Michel Godeffroy at ZKA (Central Credit Committee) information session, 20 kb, en
  • 28/01/2008 - Joint statement by the European Commission and the European Central Bank welcoming the formal launch of SEPA payment instruments by EU banks,  bg .  cs .  da .  de .  el .  en .  es .  et .  fi .  fr .  hu .  it .  lt .  lv .  mt .  nl .  pl .  pt .  ro .  sk .  sl .  sv
  • 28/1/2008 - Speech: SEPA goes live more
  • 22/01/2008 - Speech: The Single Euro Payments Area in a global context more
  • 21/1/2008 - Press release: SEPA goes live - official launch of the single euro payments area more

2007

  • 19/11/2007 - Speech: Going the extra mile to be ready for SEPA more
  • 2/11/2007 - Speech: SEPA – New card schemes for Europe by Jean-Michel Godeffroy Télécom-Paris, 30 kb, en
  • 8/10/2007 - Speech: SEPA – three months to go and full steam ahead? more
  • 4/10/2007 - Speech: SEPA – Five minutes to summarise the SEPA by Jean-Michel Godeffroy at Sibos, Boston, 20 kb, en
  • 3/09/2007 - Speech: SEPA – from steam train to TGV? more
  • 22/08/2007 - Publication: The economic impact of the Single Euro Payments Area, by Heiko Schmiedel, ECB Occasional paper No. 71, 1259 kb, en
  • 20/07/2007 - Press release / publication: “SEPA: from concept to reality” - 5th progress report more
  • 14/05/2007 - Speech: The new SEPA landscape from vision to reality (and back) more
  • 8/05/2007 - Speech: Making SEPA a reality – Involving the public sector in the Single Euro Payments Area more
  • 7/05/2007 - Speech: Financial integration, modernisation and competitiveness in Europe: achievements and challenges more
  • 3/05/2007 - Press release / publication: Consultation announcement: oversight framework for card payment schemes more
  • 3/05/2007 - Speech: Modernising payments: 'no pain – no gain' more
  • 24/04/2007 - Press release: Joint statement by the ECB and the Commission welcoming the adoption of the Payment Services Directive  more
  • 23/03/2007 - Press release: Regulatory framework and payment systems issues more
  • 12/03/2007 - Speech: The competitiveness of European financial markets. An economic framework for effective policy-making more
  • 13/02/2007 - Speech: The European Central Bank’s view on SEPA more

2006

  • 20/11/2006 - Press release: The Eurosystem’s View of a “SEPA for Cards”   more, publication: 91 kb, de .  el .  en .  es .  fi .  fr .  it .  nl .  pt .  sl .  sv
  • 13/11/2006 - Speech: Concluding remarks 'SEPA – Opportunities by Change' more
  • 13/11/2006 - Speech: Creating an integrated market for the euro area more
  • 13/11/2006 - Information brochure: SEPA - An integrated retail payments market,    1761 kb, bg .  cs .  da .  de .  el .  en .  es .  et .  fi .  fr .  hu .  it .  lt .  lv .  mt .  nl .  pl .  pt .  ro .  sk .  sl .  sv
  • 23/10/2006 - Speech: Building the Future – Integrating Europe’s Financial Sector more
  • 16/10/2006 - Information brochure: SEPA, The Single Euro Payments Area - an introduction,    258 kb, en
  • 20/09/2006 - Speech: A SEPA for cards: a contribution to a cashless society? more
  • 07/09/2006 - Speech: From theory to practice: let’s roll out the cables more
  • 17/07/2006 - Speech: Preliminary Findings of the Retail Banking Sector Inquiry more
  • 06/07/2006 - Speech: European Financial Integration and the Financial System more
  • 29/06/2006 - Speech: Round table conference on m-Payments more
  • 15/06/2006 - Speech: ABI-SWIFT 'SPIN 2006' Conference on 'The drivers of change: regulation versus competition' more
  • 09/06/2006 - Speech: Drivers for change in payment and securities settlement systems more
  • 07/06/2006 - Speech: What is the outlook for the Single European Payments Area (SEPA)? more
  • 09/05/2006 - Opinion on payment services in the internal market (CON/2006/21) ENGLISH  more
  • 04/05/2006 - Press release: Single Euro Payments Area   more
  • 23/02/2006 - Speech: The Lisbon Agenda – what can banks contribute? more
  • 17/02/2006 - Press release / publication: Towards a single euro payments area - 4th progress report   more

2005

  • 15/11/2005 - Speech: SEPA: making the dream become a reality more
  • 21/10/2005 - Speech: Regulation, Competition and Integration in EU banking: What Drives Performance? more
  • 14/10/2005 - Speech: Single market for financial services – vision or reality? more
  • 3/10/2005 - Speech: Keeping up the momentum: achieving the SEPA objectives on time more
  • 6/05/2005 - Speech: Interchange in a changing market: Observations from the euro area perspective more

2004

  • 18/10/2004 - Speech: Integration des Europäischen Finanzmarktes und Schaffung eines einheitlichen Zahlungsverkehrsraumes more
  • 21/09/2004 - Speech: Card payments and the European financial integration more
  • 25/04/2005 - Speech: The need for regulatory involvement in the evolution of payment systems more
  • 2/12/2004 - Press release / publication: Towards a single euro payments area - 3rd progress report   more
  • 6/09/2004 - Speech: Time to act: clear objectives and a convincing roadmap for the Single Euro Payments Area more

2003 and before

  • 26/06/2003 - Press release / publication: Towards a Single Euro Payments Area - progress report   more
  • 30/11/2001 - Press release / publication: Towards an integrated infrastructure for credit transfers in euro   more
  • 14/09/2000 - Press release / publication: Improving cross-border retail payment services - Progress report   more
  • 30/09/1999 - Press release / publication: Improving cross-border retail payment services in the euro area - the Eurosystem's view   more

Related links

Links on retail payments.

SEPA video, SEPA e-brochure, background information and Questions & Answers on SEPA and SEPA migration.

For information on SEPA migration end dates see Migration key facts, Regulation 260/2012, country migration, quantitative migration indicators and Second SEPA migration report.

SEPA coordination at European level
European associations of payment service user groups
  • European Association for the Co-ordination of Consumer Representation in Standardisation (ANEC)
  • European Consumers’ Organisation (Bureau Européen des Unions de Consommateurs, BEUC)
  • European insurance and reinsurance federation (CEA)
  • Confederation of Family Organisations in the European Union (COFACE)
  • European Association of Corporate Treasurers (EACT)
  • European e-commerce and Mail Order Trade Association (EMOTA)
  • European Retail Round Table (ERRT)
  • European wholesaler and retailer organisation EuroCommerce
  • European Community of Consumer Cooperatives (EuroCoop)
  • European Association for Craft, Small and Medium-sized Enterprises (UEAPME)
 
European associations of payment service providers
  • European Association of Co-operative Banks (EACB)
  • European Association of Payment Service Providers for Merchants (EPSM)
  • European Association of Public Banks (EAPB)
  • European Banking Federation (EBF)
  • European Payments Council (EPC)
  • European Savings Banks Group (ESBG)
  • GSM Europe (GSME)
National links
Research