SCT INST: IS IT SEPA 2.0?

Whitepaper

The SCT INST scheme, the new (non-mandatory) SEPA instant payments scheme based on the SEPA Credit Transfer, is scheduled to be ready for first live adoption by November 2017, an ambitious date and one to which huge activity is being directed. However, whilst most attention is currently on the initial implementation of Instant Payments this paper focuses on what might happen in the years after.

This paper recognises the huge changes to technology and business process entailed in offering instant value transfer, 24/7 over digital channels. Such a change brings significant risks: any interruption to the ‘always on’ service, at any point in the payment chain will be visible and unacceptable to users in the real world.

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SCT INST: IS IT SEPA 2.0?

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