The time to act on OCT Inst is now – here’s why

24 September 2025

Enhancing cross-border payments has become a global priority, crystallised in the G20 Roadmap launched in 2020 by the Financial Stability Board (FSB) and the Committee on Payments and Market Infrastructures (CPMI). This roadmap sets ambitious 2027 targets to improve cost, speed, access and transparency, firmly embedding cross-border payment enhancements on the European agenda. Multiple forces…

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Implementing VOP for bulks: ‘The nightmare before Halloween’?

05 September 2025

As stipulated by the Instant Payments Regulation (IPR), payment service providers (PSPs) in the Eurozone will be required to perform verification of payee (VOP) on every credit transfer in the Single Euro Payments Area (SEPA), with a 9 October deadline to begin offering the service. While VOP is expected to further boost the security of…

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The future evolution of conditional payments: unlocking new possibilities

20 August 2025

Reimagining conditional payments in a digital era Imagine a financial ecosystem where payments are executed automatically – as soon as (and only if) specific, pre-agreed conditions are met. This is no longer a distant vision, but a rapidly emerging reality shaped by the evolution of conditional payments. Traditionally reliant on paper-based contracts and trusted intermediaries,…

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Unlocking the value of financial data: industry voices on the proposed Financial Data Access Regulation (FiDA)

17 July 2025

The European financial sector is undergoing a profound transformation. As customer expectations evolve and digital-native players bring increasingly data-centric propositions to market, traditional financial institutions are stepping up their efforts to modernise their data infrastructure and offerings. In this rapidly changing landscape, the proposed Financial Data Access (FiDA) regulation is intended to become a cornerstone of the…

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Shaping collaborative action at EBAday

18 June 2025

The slogan for EBAday 2025, which took place on 27 and 28 May 2025 at Les Salles du Carrousel, Paris, was “Shaping the future of payments and transaction banking – strategies for success”, although an equally fitting tagline would have been, “Getting things done.” While forward-looking topics like the digital euro, generative artificial intelligence (GenAI)…

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Sharper insights and stronger defences: how SEB enhanced its fraud-fighting capabilities with the EBA Fraud Taxonomy

22 May 2025

Today’s payments ecosystem is marked by deep-rooted silos that impede effective coordination in the battle against fraud. National and regional communities often take distinct approaches, shaped by local regulation, industry initiatives or priorities. Different types of payments – such as card-based and account-to-account – are typically managed separately, with their own processes. These divisions often…

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Happy Birthday, EBA!

20 May 2025

“As for the future, the task is not to foresee it, but to enable it.” These words, from the early 20th century French writer, Antoine de Saint-Exupéry, are more poignant today than ever before. They impart a philosophy that the Euro Banking Association (EBA) shares: to drive progress through practical action, not passive prediction. In doing…

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Navigating new regulations on liquidity management

06 May 2025

In recent years, the liquidity management ecosystem has borne the weight of resurgent inflation, rising interest rates and geopolitical uncertainty. The next – and no less significant – challenge is maintaining compliance and prosperity in the wake of the third Capital Requirements Regulation (CRR III). This blog post explores how this regulation could impact cash…

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Why should you implement the EBA Fraud Taxonomy?

17 February 2025

Part II. Click to read part I With its uniform pan-European vocabulary and fraud categorisation approach, the EBA Fraud Taxonomy puts fraud experts on the same page. By leveraging the taxonomy, payment service providers (PSPs) can ensure that data is not just comparable across institutions, but also granular and actionable.  And this is an essential…

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The EBA educational offering – a review and an outlook

20 January 2025

In today’s fast-paced world, continuous learning and professional development are essential for staying ahead of the curve in any industry. Regarding payments, whether you are just starting out in your career or looking to refine your skills, the right educational training can make all the difference. This is where the EBA and its educational offerings…

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