QED

Discussion Points:

• Will the European Commission’s proposal make instant payments the “new normal” in the euro area?
• Will the proposal, when implemented, support innovation and competition in the EU payments market?
• What will be the effect in terms of digitalisation and strategic autonomy?
• Will consumers gain more choice and convenience with the Commission’s proposal?
• Will the proposal reduce operational costs and improve cash flow management for European merchants?
• Should the price for instant payments be capped (at the price of non-instant payments) or should the market decide?
• Are the compliance deadlines of six months for receiving services and 12 months for sending services sufficient?