Publications
Publications sorted by publication date
Know your customer: Unravelling the challenges
April 2024
A pan-European fraud taxonomy: Do you speak fraud?
Article by Annick Moes and Meral Ruesing in Journal of Payments Strategy & Systems, Volume 18 Number 1, Henry Stewart Publications
March 2024
EBA CBCS - Identification of Politically Exposed Persons (PEPs) in the corporate-to-bank KYC process
Recommendations by the KYC Expert Group of the EBA on the processes for the identification of PEPs
December 2023
United we thrive: the untapped power of bank-fintech partnerships
The rise of digital banking puts a premium on partnerships, but they require substantial investments and organizational changes from both parties.
October 2023
Webcast on “Achieving liquidity efficiency in an imperfect storm"
September 2023
Achieving liquidity efficiency in an "imperfect storm"
The EBA Liquidity Management Working Group through this report, provides guidance on how banks and corporates should respond to the recent shift to a high-interest rate paradigm.
June 2023
Open Banking for Corporates - Unlocking real added value in transaction banking with APIs
The EBA Open Finance Working Group, through this report, aims to provide a starting point for API adoption by outlining the current developments, challenges, and collaborative initiatives to drive adoption at scale for corporates
June 2023
The Digital Euro - A guide for banks
The latest report by the EBA Digital Currencies and Smart Payments Working Group discusses the impact which the digital euro is likely to have on banks and their role in the emerging digital euro ecosystem, the possible way forward and steps to prepare for its introduction
June 2023
IBAN-name check
Together with strategy&, Oesterreichische Nationalbank, and Deutsche Bundesbank, the Euro Banking Association (EBA) has co-authored a stock-taking study zooming in on IBAN name-check developments across Europe.
February 2023
EBA CBCS - Data Verification for Corporate-to-Bank KYC in low-risk situations
Recommendations for a harmonised approach to data verification for Corporate-to-Bank KYC in low-risk situations
February 2023
EBA CBCS - Common Baseline Classification Standard for Corporate-to-Bank KYC in low-risk situations, version 2.0
A harmonised set of datapoints for a standard corporate-to-bank KYC process in low-risk situations
December 2022
Use of real-time data
Insights into how companies use real-time data in the liquidity management space, and where they could potentially benefit from real-time data access.
June 2022
EU VAT Fraud Directive 2020/284: Potential impact on PSPs
Short note to raise awareness on tax-related EU legislation with an impact on payments
May 2022
Open Banking for SMEs - Enhancing financial services for the backbone of Europe's economy
A comprehensive overview of the specific challenges facing the SME sector and how this diverse and heterogenous customer segment can be better served through tailored financial services and value-added offerings based on Open Banking
March 2022
CBDC, stablecoins and beyond: a deep dive into new forms of digital money
The latest report by the Cryptotechnologies, Smart Payments and Stablecoins Working Group provides an overview of current developments in CBDC and stablecoins and explores how banks can prepare for their implementation.
August 2021
The Covid-19 Pandemic and the Liquidity Management Ecosystem: Where to go from here
This short paper by the EBA Liquidity Management Working Group highlights the major trends in the liquidity management ecosystem that the pandemic helped crystallise and outlines the questions that financial institutions will have to address as they continue to support their corporate clients.
June 2021
Ready or not? Gearing the bank operating model towards digital and Open Banking readiness
The EBA Open Banking Working Group investigates both the implications of digital readiness at large, and more specifically, the requirements for successfully initiating Open Banking on an operating model.
June 2021
Request to Pay: what corporates want
Report on the findings of the EBA Request to Pay Survey
May 2021
EBA at a glance - interactive flyer
Compact overview of the EBA, its work streams and the topics they cover
March 2021
Summary Retail Payments Strategy
As part of its monitoring work, the PRSB has started to look into the Digital Finance Package, focussing most importantly working on the RPS. As part of this analysis, the group created an objective summary of the Retail Payments Strategy.
March 2021
Digital currencies: a first look at potential opportunities and challenges for banks
The latest report of the EBA Cryptotechnologies, Smart Payments, and Stablecoins Working Group
November 2020
The future of European payments: strategic choices for banks
A joint white paper by the Euro Banking Association and McKinsey & Company
November 2020
SMART2: Gift Cards - A Gift for Fraudsters?
The paper examines why and how closed-loop gift cards are vulnerable to fraud.
November 2020
SMART2 Note on Optional Fraud Information Field
This recommendation note on the introduction of an optional fraud information field for SEPA Instant Credit Transfers promotes the transport of contextual information from originator PSP to beneficiary PSP.
October 2020
Enhancing liquidity management with the support of advanced data analytics
The latest report of the EBA Liquidity Management Working Group
July 2020
Digital trust and the banking sector: towards a trust advantage in the digital economy
The latest report of the EBA Open Banking Working Group
January 2020
How to report e-money transactions under the EBA Fraud Reporting Guidelines. Open questions around e-money definition
Banks from nine EU countries have endorsed a note seeking clarification on the definition of e-money transactions and the related fraud reporting requirements issued by the European Banking Authority.
November 2019
Begrüßungsansprache, Payments Konferenz, Euro Finance Week 2019
Wolfgang Ehrmann, Chairman of the Board, welcomes the participants of the Payments Konferenz in Frankfurt on 20 November 2019 (in German)
November 2019
Keynote remarks, Payments Risk Symposium, TCH and bpi, Annual Conference 2019
Secretary General Thomas Egner delivers the keynote remarks at the Payments Risk Symposium in New York on 19 November 2019
September 2019
Impact of instant payment and intraday liquidity on the corporate liquidity management ecosystem
EBA Liquidity Management Working Group
September 2019
The Internet of Things and Smart Payments
June 2019
Artificial Intelligence in the era of Open Banking
EBA Open Banking Working Group
April 2019
How banks can harness technology for the benefit of the corporate liquidity management ecosystem
EBA Liquidity Management Working Group
October 2018
SMART2 Note: Communication on PSP unavailability in the SCT Inst inter-PSP space
October 2018
SMART2 Note: How beneficiary PSPs should react to transaction hits in SCT Inst
October 2018
Cryptotechnologies: Improving Regulatory Compliance
Thought Leadership
June 2018
From quick wins to new business models: corporate views on instant payments
An interview with Thomas Egner, Secretary General of the Euro Banking Association
June 2018
B2B Data Sharing: digital consent management as a driver for data opportunities
June 2018
Managing Corporate Liquidity and Bank Liabilities: The Changing Corporate Liquidity Management Ecosystem
February 2018
PSD2 Practitioners’ Panel: Overview of PSD2 national transposition projects
November 2017
Begrüßungsansprache, Payments Konferenz, Euro Finance Week 2017
Wolfgang Ehrmann, Chairman of the Board, welcomes the participants of the Payments Konferenz in Frankfurt on 15 November 2017 (in German)
September 2017
Security and identity challenges in cryptotechnologies
Information Paper
September 2017
Data Exploration Opportunities in Corporate Banking
Key concepts and applications
September 2017
PSD2 Practitioners’ Panel publishes guidance note on the issuing and handling of charge codes by AS-PSPs
March 2017
SMART: Overview table on local practices, products and requirements in post-migration SEPA by country
May 2016
Understanding the business relevance of Open APIs and Open Banking for banks
EBA Working Group on Electronic and Alternative Payments
May 2016
May 2016 Applying cryptotechnologies to Trade Finance
EBA Working Group on Electronic and Alternative Payments
May 2015
Cryptotechnologies, a major IT innovation and catalyst for change
EBA Working Group on Electronic and Alternative Payments
May 2015
Opinion Paper on exploring the Digital Customer Services Interface
EBA Working Group on Electronic and Alternative Payments
February 2015
SMART: Local practices, products and requirements in post-migration SEPA
December 2014
Opinion Paper on Next Generation Alternative Retail Payments: Infrastructure Requirements
November 2014
Mapping the supply chain processes and finding the opportunities
September 2014
SMART: Guidance on the handling of SDD R-transactions and related charging principles
Explanatory document with recommendations, version 3.0
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?
May 2014
Opinion Paper on Next Generation Alternative Retail Payments: User Requirements
User Requirements
March 2014
SMART Note on Creditor-ID issues
Recommendations with regard to the issuing, handling and validation of creditor identifiers
February 2014
SMART Note on the scope of the new consumer protection requirements during the SEPA migration transition period
December 2013
SMART Best practice recommendations for a SEPA Command Centre
A bank user information guide, version 1.0
September 2013
SMART Note on on-us transactions
Which “on-us transactions” need to be migrated to the SEPA Direct Debit formats?
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)?
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?
May 2012
Banks Preparing for SEPA Migration
A Guide to the SEPA Migration End-Date Regulation
December 2010
European Commission Communication: Reaping the benefits of e-invoicing for Europe
March 2010
PSD: Note on the use of loro/nostro accounts by non-EU/EEA-based client banks in EU/EEA environment
June 2009
Banks Fine-Tuning Their PSD Preparations
A selection of key details to be addressed on the way to PSD Compliance
November 2008
Banks Preparing for PSD
A Guide for Bankers on the Payment Services Directive, version 1.1
