Suffering from SEPA aches? Diagnosis, treatment & prevention

With effect from 1st February 2014, the national payment scheme (Electronic Money Transfer System) will be retired and all electronic payments must be processed using the new European standard (SEPA). Following the introduction of euro notes and coins in 2002, electronic means of payment, direct debit and credit transfer have significantly contributed to the efficiency …

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SEPA; making the complex understandable

SEPA provides a harmonized set of rules governing bank-to-customer relationship. In order to achieve a coherent and complete regulation of payment transactions, certain aspects must be regulated consistently in inter-bank and bank-to-customer sphere. It follows that for the pan-European payment system to function; all three layers of payment transactions (bank-to customer, inter-bank and processing) must …

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“We are now 21st century ilergetas,” Sisco Sapena

The International Award Ciutat de Lleida is a bronze reproduction of the document known as “Bronze of Ascoli,” a legal text published in 89 BC to the Italian town of Ascoli. Recognized granting Roman citizenship to a group of 30 riders indigenous Hispanic middle valley of the Ebro, including three of Lleida, who participated in the …

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