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European Payments: The Reality of a Single Euro Payments Area (SEPA)

Product Type: Market Research Report
Published by: TowerGroup
Published: June 2005
Product Code: R301-938
Description
This is the third TowerGroup Research Note of a series reviewing the harmonization of the European financial markets. The first, TowerGroup Research Note V42:13E, European Payments: A Primer on the Single Euro Payments Area (SEPA), explains the movement toward integrated payment processing across Europe. The second, TowerGroup Research Note V43:11E, European Payments: The Challenges of a Single Euro Payments Area (SEPA), explains the challenges of gaining agreements among key European players in moving toward a Single Euro Payment Area.

The present Research Note focuses on the implementation of the SEPA if the agreements identified in the second Note are gained and the resulting implications for the European payments industry.
Table of Contents
TowerGroup Take-Aways




Report Coverage




Background


Exhibit 1: A Glossary of Acronyms and Abbreviations for a Single Euro Payments Area




The Rejection of the European Constitution




Harmonizing the Infrastructures


Exhibit 2: Relative Size of ACHs in the European Union (2005)




Harmonizing the Interfaces with Banks




Harmonizing Banks' Systems


Exhibit 3: Estimated IT Spending on European Payment Infrastructures (2004-12)


The Big Eight European Banks

Shared Service Centers in the Accession Countries


Exhibit 4: Ownership of the Top Three Banks in the EU Accession Countries (2005)


The Shrinking Violets


Exhibit 5: Estimated Fees for EUR100 Cross-Border Payment in Europe (1993-2011)




Harmonizing Products and Services




The Long Term


Exhibit 6: Analysis of European Financial Services Mergers (1985-2000)




Summary
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