SEPA and the Rise of Faster Payments: The Retail and Corporate Implications

ID Number: G00169262

19 August 2009

Alistair Newton

Payments remain key to many customers, but the investment decisions required to deliver more-efficient payment systems continue to be hindered by an inability to accurately manage and articulate the value that payments bring to bank relationships.

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Table of Contents

Analysis

1.0

Faster Payments and SEPA: The Market Develops

2.0

Costs and Benefits From Faster Payments for Banks, and Their Retail and Corporate Customers

2.1		Retail Customers
2.2		Banks' Corporate and Small and Midsize Customers
2.3		Banks and Payment Service Providers

3.0

New Business Models Require Flexible Architecture

3.1		Flexibility to Integrate With Different Business Lines
3.2		Exposed and Usable Data

4.0

What Do You Need to Do?

4.1

Recommendations

Recommended Reading

List of Figures

	Figure 1.	Benefits Accrual from SEPA/Faster Payments to Consumers

	Figure 2.	Benefit Accrual from SEPA/Faster Payments to Banks' Corporate/Small to Midsize Customers

	Figure 3.	Benefits Accrual From SEPA/Faster Payments to Banks

Payments
Banking Systems

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Resource Id: 1139613