Europa: studio sui pagamenti

Contributions

103 Organizations and other stakeholders submitted contributions to COM (2003) 718

List of contributions authorised for publication (in PDF format, from 10 KB to 882 KB):

* ADICAE - Spanish association of users of banks and insurance * AFTE - Association Française des Trésoriers d’Entreprise * American Express Europe * APACS - Association for Payment Clearing Services * APCM - Assemblée Permanente des Chambres de Métiers * Arbeiterkammer Oesterreich * BACS Limited * Banca Intesa * Bank Austria-Creditanstalt * Barclays * Bayrischer Bankenverband * BEUC - European Consumers' Organisation * Bouygues Telecom * British Bankers' Association * Cartes Bancaires * Central Bank of Bulgaria * Central Bank of Poland * Central Bank of Slovenia * Central Bank of Sweden * CLCV - Consumer, Housing and Lifestyle Federation * COFACE * COFIDIS France * Danish Commerce and Services * DIHK - Deutscher Industrie- und Handelskammertag * EACT - Euro Associations of Corporate Treasurers * EBA- Euro Banking Association * EAPB - European Association of Public Banks * eCash-Netzbetreiber * eCommerce Verbindungsstelle Deutschland * eMoney Inst, Netherlands (Vereniging voor elektronisch geld instellingen in Nederland) * EMOTA - European Mail Order and Distance Selling Trade Association * Étudiants à l’université Jean Moulin, Lyon * Eurochambres * EuroCommerce * EURO COOP - European Community of Consumer Co-operatives * European Consumer Consultative Group * European Lotteries * European Payments Council * Eurosmart- Smart Card Industry Association * Eurosystem ESCB * FCD - Federation des Entreprises du Commerce et de la Distribution * Fédération Bancaire Française * Finnish Consumer Agency and Consumer Ombudsman * Finnish Federation for Communications and Teleinformatics * FLA - Finance & Leasing Association * GATE - Groupe d'Analyse et de Théorie Economique, CNRS, Université de Lyon 2 * GE - General Electric, Financial Services * Gesamtverband deutscher Versicherer * Groupe Credit Mutuel – CIC * GSM Europe, M-Commerce WG * Guernsey Financial Services Commission * Hasig GmbH - Helmut Schwaiger * HBOS * Jersey Financial Services Commission * JP Morgan Chase * Kruijt (Mr Rob Kruijt) * Laboratoire de Droit Economique Luxembourg * Lloyds TSB Group * Luxembourg Bankers Association * Mastercard * MKB - Nederland organisation of small-medium-sized enterprises * Orange Group * PayPal Europe * Public Administration Austria * Public Administration Belgium * Public Administration Finland * Public Administration France * Public Administration Germany * Public Administration Ireland * Public Administration Italy * Public Administration Norway * Public Administration Sweden * Public Administration United Kingdom * Real Estate Professionals * Royal Bank of Scotland * SBA - Swedish Bankers Association * Swedish National Board of Trade - Kommerskollegium * TACD - Trans Atlantic Consumer Dialogue * Teliasonera * T-Mobile International * T-Online International * UEAPME * VAB-Verband der Auslandsbanken in Deutschland * Verband Deutscher Rentenversicherer * Verbraucherverband Bundeszentrale * VKI - Verein für Konsumenteninformation * VISA International EU * Vodafone, United Kingdom * Western Union-First Data Corporation * Wirtschaftskammer Oesterreich - Bank und Versicherung * Wirtschaftskammer Oesterreich - Finanz und Handelsabteilung * ZKA - Zentraler Kreditausschuss

Compilation of responses for each of the 21 annexes

All the summaries (tables) are in PDF format (size: from 76 KB to 339 KB) 01 The right to provide payment services to the public 02

Information requirements 03

Non resident accounts 04

Value dates 05

Portability of bank account numbers 06

Customer mobility 07

The evaluation of the security of payment instruments and components 08

Information on the originator of payments (SR VII of FATF) 09

Alternative dispute resolution 10

Revocability of a payment order 11

Refund 12

Non-execution or defective execution 13

Unauthorised transactions 14

The use of "our", "share" "ben" 15

Execution times for credit transfers 16

Direct debiting 17

Removing barriers to cash circulation 18

Data protection issues 19

Digital signatures 20

Security of the networks 21

Breakdown of a payment network