Cross-border payments in the European Union
The European single market for payments is based on the idea of providing safer and more innovative payment services across the EU. To this end, the European institutions are working on establishing rules and tools to make payment services easier and to foster competition. The aim is to guarantee common standards in all Member States, efficient, faster and diversified types of payment, and consumer protection. The EU has already put several legislative tools in place, has established common criteria and requirements, and provided alternatives (such as e-money) to 'traditional' payment channels. 'Payment services' mean those defined by the EU legislation in the field, and cover common tools and standards for cross-border payments (SEPA), and also e-money services. This Implementation Appraisal deals with cross-border payments and, more specifically, with Regulation (EC) No 924/2009 in the context of the planned European Commission review. Eight years after its entry into force, the Commission has announced its intention to extend its scope to non-euro currencies.
Briefing
Despre acest document
Tipul publicației
Autor
Cuvânt-cheie
- cheltuieli bancare
- competență instituțională (UE)
- comunicaţii
- dreptul Uniunii Europene
- economie monetară
- EDUCAŢIE COMUNICARE ŞI COMUNICAŢII
- FINANŢE
- finanţe publice şi politică bugetară
- flux transfrontier de date
- instituţii financiare şi de credit
- instituții de credit
- Instituțiile Uniunii Europene și funcția publică europeană
- libera circulaţie a capitalului
- monedă electronică
- plată efectuată în interiorul UE
- regulament al Comisiei Europene
- regulament financiar
- transfer de capital
- UNIUNEA EUROPEANĂ
- virament