The Single Euro Payments Area (SEPA) is an area in which consumers, companies and other economic actors will be able to make and receive payments in euro, whether within or between national boundaries, under the same basic conditions, rights and obligations,regardless of their location. The SEPA aims to foster European integration via a competitive and innovative retail payments market in the euro area.The SEPA is a grand project involving 31 countries. It should also be mentioned that the SEPA will have an impact not only on banking industry but also on corporates, public administrations, merchants and consumers. The SEPA is made of three components, namely,SEPA Credit Transfer (SCT), SEPA Direct Debit (SDD), and SEPA Card Framework. The main actors in the SEPA project are European Commission, Eurosystem, and European Payments Council (EPC). The target date of the SEPA is the end of 2010.This paper investigates the recent situation of these three components of the SEPA. The payment infrastructures' reaction to the SEPA is also discussed. The infrastructures, which are fragmented at European level, should have to be capable of handling the critical mass of euro payments in the SEPA format. In addition, the remaining issues for implementation and migration towards the SEPA are discussed.
単一ユーロ決済圏(SEPA)の形成に関する一考察
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③中島真志
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