EU Payments Integration

1. Front Matter

   Pages i-xviii

   PDF

2. The Opening Act: The Beginning of the End … or Just the End of the Beginning?

   • Ruth Wandhöfer

   Pages 1-4

3. EU Financial Regulation Explained: ‘The Powers and the Pitfalls’

   • Ruth Wandhöfer

   Pages 5-32

4. SEPA: ‘A New Hope’

   • Ruth Wandhöfer

   Pages 33-76

5. PSD — A Parallel Universe to SEPA: The Odyssey from the First Ideas to the Final Text

   • Ruth Wandhöfer

   Pages 77-117

6. From Publication to Transposition: The Directive Dilemma

   • Ruth Wandhöfer

   Pages 118-141

7. SEPA From Design to Launch: Finding Your Way through the SEPA Jungle

   • Ruth Wandhöfer

   Pages 142-186

8. Postlude: The Future for European Payments and the Emergence of a Global Agenda

   • Ruth Wandhöfer

   Pages 187-253

9. Epilogue

   • Ruth Wandhöfer

   Pages 254-255

10. Back Matter

    Pages 279-288

    PDF

An inside view of the forces which shaped SEPA and the PSD written from the unique perspective of someone closely involved throughout the process. It uncovers the strategic, legal and practical implications of the full harmonization agenda and provides an assessment of where these initiatives stand today, including key lessons learned.

• SEPA
• assessment
• European Union (EU)
• integration
• regulation
• science and technology
• banking

'I very much welcome this timely and informative contribution to the debate on the integration of the Euro payments market.' Gertrude Tumpel-Gugerell, Member of the European Central Bank's Executive Board

'We are at a critical point in the evolution of the European payments landscape. This book comes at the right time to address the key strategic issues for the payments industry in Europe and in a broader global context.' Gerard Hartsink, Chair of the European Payments Council

'Hugely informative. I would recommend it as an essential read for those outside Europe pursuing their own payment integration initiatives as well as for those of us who are experiencing the EU integration challenge first hand.' Sean Fitzgerald, CEO Sentenial

RUTH WANDHÖFER is well known in the payments industry for her in-depth knowledge of the regulatory, market and competitive landscape in Europe and in particular as one of the foremost authorities on SEPA and the PSD. She is responsible for Market Policy and Strategy within the EMEA Global Transaction Services business of Citi and holds a number of senior external positions in the industry.

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