Knowledge & Research

The EBA shares the outcome of its thought leadership and industry dialogue activities with a wider audience through the publication of market guides, research and opinion papers and other insightful documentation on payment matters:

Publications sorted by publication date

December 2016

SMART: Overview table on local practices, products and requirements in post-migration SEPA by country

Click here to download

May 2016

Understanding the business relevance of Open APIs and Open Banking for banks
EBA Working Group on Electronic and Alternative Payments

Click here to download

May 2016

Applying cryptotechnologies to Trade Finance
EBA Working Group on Electronic and Alternative Payments

Click here to download

May 2015

Cryptotechnologies, a major IT innovation and catalyst for change
EBA Working Group on Electronic and Alternative Payments

Click here to download

May 2015

Opinion Paper on exploring the Digital Customer Services Interface
EBA Working Group on Electronic and Alternative Payments

Click here to download

December 2014

Opinion Paper on Next Generation Alternative Retail Payments
Infrastructure Requirements

Click here to download

September 2014

SMART: Guidance on the handling of SDD R-transactions and related charging principles
Explanatory document with recommendations, version 3.0

Click here to download

September 2014

SMART Note on validation of BIC of sending bank
Is there a need for the receiving bank to validate the BIC of the sending bank against an external BIC directory when it receives a SEPA Credit Transfer or SEPA Direct Debit through a SEPA CSM?

Click here to download

March 2014

SMART Note on Creditor-ID issues
Recommendations with regard to the issuing, handling and validation of creditor identifiers

Click here to download

February 2014

SMART Note on the scope of the new consumer protection requirements during the SEPA migration transition period

Click here to download

December 2013

SMART Best practice recommendations for a SEPA Command Centre
A bank user information guide, version 1.0

Click here to download

September 2013

SMART Note on on-us transactions
Which “on-us transactions” need to be migrated to the SEPA Direct Debit formats?

Click here to download

September 2013

SMART Note on MT 101
Will the sending of an MT 101 with multiple messages after 1st February 2014 be compliant with the SEPA Regulation (EC 260/2012)?

Click here to download

September 2013

SMART Note on reason code for IBAN-BIC mismatch
Which reason code should be used for an R-transaction if the IBAN of the receiver does not belong to the BIC indicated for the receiving bank?

Click here to download

May 2012

Banks Preparing for SEPA Migration
A Guide to the SEPA Migration End-Date Regulation

Click here to download

December 2010

European Commission Communication: Reaping the benefits of e-invoicing for Europe

Click here to download

March 2010

PSD: Note on the use of loro/nostro accounts by non-EU/EEA-based client banks in EU/EEA environment

Click here to download

June 2009

Banks Fine-Tuning Their PSD Preparations
A selection of key details to be addressed on the way to PSD Compliance

Click here to download

November 2008

Banks Preparing for PSD
A Guide for Bankers on the Payment Services Directive, version 1.1

Click here to download

Electronic Alternative Payments

E-invoicing

Payment Services Directive (PSD)

SEPA Regulation guidance

SMART guidance

Supply Chain Finance

Euro Banking Association

Electronic Alternative Paper

Market guides

Regulatory guidance

Opinion papers

Guidance papers and notes

Discussion papers

Presentations

Company brochures

External documents

Information papers

EBA Articles