EBA Association

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class="text-hide center-block" title="EBA - Home" href="/">EBA - Home</a> </div> <div class="search-bar col-md-4 hidden-sm hidden-xs"> <form class="navbar-form navbar-right" role="search" action="https://www.abe-eba.eu/Search/"> <div class="input-group"> <input type="text" class="form-control tipue_search_input" placeholder="Search" name="q" autocomplete="off"> <span class="input-group-btn"> <button type="submit" class="btn btn-default"><i class="fa fa-search"></i></button> </span> </div> <div class="tipue_drop_content"></div> </form> </div> </div> </div> <nav class="navbar navbar-default" role="navigation"> <div class="container"> <div class="navbar-header"> <div class="col-xs-8 register visible-sm visible-xs"> <p><i class="fa fa-sign-in"></i> <a href="https://www.ebaportal.eu/association" target="_blank" title="Login here">Login</a></p> </div> <button type="button" class="navbar-toggle collapsed" data-toggle="collapse" data-target="#bs-example-navbar-collapse-1"> <span class="sr-only">Navigation ein-/ausblenden</span> <span class="icon-bar"></span> <span class="icon-bar"></span> <span class="icon-bar"></span> </button> </div>  <div class="collapse navbar-collapse" id="bs-example-navbar-collapse-1"> <div class="search-bar visible-sm visible-xs"> <form class="navbar-form" role="search" action="Umbraco.Web.Models.RelatedLinks"> <div class="input-group"> <input type="text" class="form-control tipue_search_input" placeholder="Search" name="q" autocomplete="off"> <span class="input-group-btn"> <button type="submit" class="btn btn-default"><i class="fa fa-search"></i></button> </span> </div> <div class="tipue_drop_content"></div> </form> </div> <ul class="nav navbar-nav"> <li class="dropdown thought-leadership"> <a href="https://www.abe-eba.eu/thought-leadership-innovation/" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-expanded="false"> Thought Leadership & Innovation <span class="caret"> <span class="sr-only">(aktuell)</span> </span> </a> <ul class="dropdown-menu" role="menu"> <li><a href="https://www.abe-eba.eu/thought-leadership-innovation/digital-currencies-smart-payments-working-group/">Digital Currencies & Smart Payments Working Group</a></li> <li><a href="https://www.abe-eba.eu/thought-leadership-innovation/liquidity-management-working-group/">Liquidity Management Working Group</a></li> <li><a href="https://www.abe-eba.eu/thought-leadership-innovation/open-finance-working-group/">Open Finance Working Group</a></li> <li><a href="https://www.abe-eba.eu/thought-leadership-innovation/supply-chain/">Supply Chain</a></li> </ul> </li> <li class="divider visible-lg-inline-block visible-md-inline-block"></li> <li class="dropdown market-practices-regulatory-guidance"> <a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-expanded="false"> Market Practices & Regulatory Guidance <span class="caret"> <span class="sr-only">(aktuell)</span> </span> </a> <ul class="dropdown-menu" role="menu"> <li><a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/market-practices-and-regulatory-guidance/">Market Practices and Regulatory Guidance</a></li> <li><a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/expert-group-on-payment-fraud-related-topics/">Expert Group on Payment Fraud-related Topics</a></li> <li><a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/expert-group-on-cross-border-payments/">Expert Group on Cross-Border Payments</a></li> <li><a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/payments-regulation-sounding-board/">Payments Regulation Sounding Board</a></li> <li><a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/expert-group-on-kyc-related-topics/">Expert Group on KYC-related Topics</a></li> <li><a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/eba-request-to-pay-survey/">EBA Request to Pay Survey</a></li> <li><a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/sct-inst-migration-round-table-smart2/">SCT Inst Migration Round Table (SMART2)</a></li> <li><a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/market-practices-at-pan-european-and-global-level/">Market Practices at pan-European and global level</a></li> <li><a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/psd2-practioners-panel/">PSD2 Practitioners' Panel</a></li> <li><a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/practitioners-group-on-instant-payments/">Practitioners Group on Instant Payments</a></li> </ul> </li> <li class="divider visible-lg-inline-block visible-md-inline-block"></li> <li class="dropdown networking-events"> <a href="https://www.abe-eba.eu/networking-events/" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-expanded="false"> Networking & Events <span class="caret"> <span class="sr-only">(aktuell)</span> </span> </a> <ul class="dropdown-menu" role="menu"> <li><a href="https://www.abe-eba.eu/networking-events/ebaday/">EBAday</a></li> <li><a href="https://www.abe-eba.eu/networking-events/ebaday-business-fora/">EBAday Business Fora</a></li> <li><a href="https://www.abe-eba.eu/networking-events/previous-ebadays/">Previous EBAdays</a></li> <li><a href="https://www.abe-eba.eu/networking-events/eba-open-forum-on-digital-transformation/">Open Forum on Digital Transformation</a></li> </ul> </li> <li class="divider visible-lg-inline-block visible-md-inline-block"></li> <li class="dropdown training-and-education"> <a href="https://www.abe-eba.eu/training-education/" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-expanded="false"> Training & Education <span class="caret"> <span class="sr-only">(aktuell)</span> </span> </a> <ul class="dropdown-menu" role="menu"> <li><a href="https://www.abe-eba.eu/training-education/eba-summerwinter-schools-and-other-educational-seminars/">EBA Summer/Winter Schools and other educational seminars</a></li> <li><a href="https://www.abe-eba.eu/training-education/eba-academy-payments-training/">EBA Academy payments training</a></li> </ul> </li> <li class="divider visible-lg-inline-block visible-md-inline-block"></li> <li class="dropdown about-eba"> <a href="https://www.abe-eba.eu/about-eba/" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-expanded="false"> About EBA <span class="caret"> <span class="sr-only">(aktuell)</span> </span> </a> <ul class="dropdown-menu" role="menu"> <li><a href="https://www.abe-eba.eu/about-eba/eba-at-a-glance/">EBA at a glance</a></li> <li><a href="https://www.abe-eba.eu/about-eba/eba-members/">EBA Members</a></li> <li><a href="https://www.abe-eba.eu/about-eba/admission/">Admission</a></li> <li><a href="https://www.abe-eba.eu/about-eba/news/">News</a></li> <li><a href="https://www.abe-eba.eu/about-eba/media/">Media</a></li> <li><a href="https://www.abe-eba.eu/about-eba/events/">Events</a></li> <li><a href="https://www.abe-eba.eu/about-eba/board/">Board</a></li> <li><a href="https://www.abe-eba.eu/about-eba/secretary-general/">Secretary General</a></li> <li><a href="https://www.abe-eba.eu/about-eba/competition-law-compliance-policy/">Competition Law Compliance Policy</a></li> <li><a href="https://www.abe-eba.eu/about-eba/career/">Career</a></li> <li><a href="https://www.abe-eba.eu/about-eba/billing-and-payment-information/">Billing and Payment Information</a></li> <li><a href="https://www.abe-eba.eu/about-eba/eba-member-portal/">EBA Member Portal</a></li> </ul> </li> <li class="divider visible-lg-inline-block visible-md-inline-block"></li> <li class="dropdown publications"> <a href="https://www.abe-eba.eu/publications/">Publications</a> </li> <li class="divider visible-lg-inline-block visible-md-inline-block"></li> <li class="dropdown about-eba"> <a href="https://www.abe-eba.eu/eba-blog/" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-expanded="false"> EBA Blog <span class="caret"> <span class="sr-only">(aktuell)</span> </span> </a> <ul class="dropdown-menu" role="menu"> <li><a href="https://www.abe-eba.eu/eba-blog/8-may-2024-what-s-cooking-a-progress-update-on-eba-deliverables-in-2024-1/">What's cooking? A progress report on EBA deliverables</a></li> <li><a href="https://www.abe-eba.eu/eba-blog/20-december-2024-what-is-the-eba-fraud-taxonomy/">What is the EBA Fraud Taxonomy?</a></li> <li><a href="https://www.abe-eba.eu/eba-blog/20-january-2025-the-eba-educational-offering/">The EBA educational offering – a review and an outlook</a></li> <li><a href="https://www.abe-eba.eu/eba-blog/17-february-2025-why-should-you-implement-the-eba-fraud-taxonomy/">Why should you implement the EBA Fraud Taxonomy?</a></li> </ul> </li> <li class="divider visible-lg-inline-block visible-md-inline-block"></li> <li class="dropdown "> <a href="https://www.abe-eba.eu/cyber-regulation-e-repository/">Cyber Regulation E-Repository</a> </li> <li class="divider visible-lg-inline-block visible-md-inline-block"></li> </ul> </div> </div> </nav> </div>  <div id="main-slider"> <div> <img src="/media/azure/production/1500/slider-dummy.png?anchor=center&mode=crop&rnd=133523847080000000&quality=87" alt="slider-background" /> <div class="caleidoscope" id="caleido1"></div> <div class="slider-content"> <h3> The Business Relevance of Cloud Adoption <br /><small style="color: #37404a">A joint paper by the Euro Banking Association (EBA) in collaboration with Capgemini and Microsoft</small> </h3> <p> <a href="https://eur01.safelinks.protection.outlook.com/?url=https%3A%2F%2F0cf6407c19614507af5bf693aacd9cb2.svc.dynamics.com%2Ft%2Ft%2F3ufNebOfLC9ceahoWQyx9Y5kPpKLaDnFaUjzHaoxJIcx%2FfeSDcnXEUwgphM15nkZckJc90vCd1Gm0dW7G3DNWyOcx&data=05%7C02%7Cj.diederich%40ebaclearing.eu%7Cdcd5b32a5e7e4871bdbb08dd4f1caec9%7Ca716661474044f3494666fb44a5d2368%7C0%7C0%7C638753706815231808%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=nmU5BwxEBAdFTzol6zoYLNV%2FEKyHBNxouKFxVG6o4cw%3D&reserved=0"><i class="fa fa-external-link"></i> Download report</a> </p> </div> </div> <div> <img src="/media/azure/production/1500/slider-dummy.png?anchor=center&mode=crop&rnd=133523847080000000&quality=87" alt="slider-background" /> <div class="caleidoscope" id="caleido2"></div> <div class="slider-content"> <h3> EBA Summer School 2025 - registration open! <br /><small style="color: #37404a">"Beyond the Buzzword: Using Artificial Intelligence to Transform Transactions and Enhance Security in Payments"</small> </h3> <p> <i class="fa fa-calendar"></i> 1 to 3 July 2025<br /> <i class="fa fa-map-marker"></i> Nice France </p> <p> <a href="https://www.eventbrite.fr/e/eba-summer-school-2025-tickets-1255430208549"><i class="fa fa-external-link"></i> Register here...</a> </p> </div> </div> <div> <img src="/media/azure/production/1500/slider-dummy.png?anchor=center&mode=crop&rnd=133523847080000000&quality=87" alt="slider-background" /> <div class="caleidoscope" id="caleido3"></div> <div class="slider-content"> <h3> Re-inventing money: Considerations on future requirements for new forms of digital money <br /><small style="color: #37404a">New report now available</small> </h3> <p> <a href="/media/azure/production/4050/eba_fact-sheet_20241022_reinventing_money_v10.pdf" target="_blank"><i class="fa fa-file-pdf-o" style="color: #d9534f"></i> Download Fact Sheet</a> <br /> </p> </div> </div> <div> <img src="/media/azure/production/1500/slider-dummy.png?anchor=center&mode=crop&rnd=133523847080000000&quality=87" alt="slider-background" /> <div class="caleidoscope" id="caleido4"></div> <div class="slider-content"> <h3> FX conversion for instant payments in euro <br /><small style="color: #37404a">Practitioners' understanding and recommendations</small> </h3> <p> <a href="/media/azure/production/4024/eba_20241004_eba_ipg_note_on_fx_conversion_re_instant_payments.pdf" target="_blank"><i class="fa fa-file-pdf-o" style="color: #d9534f"></i> Download note</a> <br /> </p> </div> </div> <div> <img src="/media/azure/production/1500/slider-dummy.png?anchor=center&mode=crop&rnd=133523847080000000&quality=87" alt="slider-background" /> <div class="caleidoscope" id="caleido5"></div> <div class="slider-content"> <h3> EBA Fraud Taxonomy Management Summary <br /><small style="color: #37404a">Key information on the EBA Fraud Taxonomy and why it matters to PSPs</small> </h3> <p> <a href="https://eba-cms-prod.azurewebsites.net/media/azure/production/4014/eba_20240916_one-page_management-summary_eba-fraud-taxonomy_v10.pdf"><i class="fa fa-external-link"></i> Download the management summary</a> </p> </div> </div> </div> <div id="content" class="container"> <div class="main" role="main"> <section id="eba-vision" class="row"> <div class="col-md-6 col-xs-12 tile"> <div class="col-xs-6 color-swatch flip"> <a href="#"> <div class="face front icon" style="background: #535a5f url('/media/azure/production/1734/thought_rgb_neg.jpg?anchor=center&mode=crop&width=250&height=250&rnd=131641322770000000&quality=87') center 35% no-repeat; background-size: cover"></div> <div class="face back" style="background-color: #535a5f"> <h2>THOUGHT LEADERSHIP & INNOVATION</h2> <p>Advancing the understanding of new market trends</p> </div> </a> </div> <div class="col-xs-6 color-swatch img" style="background: #535a5f url('/media/azure/production/2354/board-meeting_square.jpg?center=0.879746835443038,0.1371308016877637&mode=crop&width=250&height=250&rnd=132253052560000000&quality=87') center 35% no-repeat; background-size: cover"></div> </div> <div class="col-md-6 col-xs-12 tile"> <div class="col-xs-6 col-md-push-6 color-swatch img" style="background: #5a6278 url('/media/azure/production/2359/board_square.jpg?anchor=center&mode=crop&width=250&height=250&rnd=132261488870000000&quality=87') center 35% no-repeat; background-size: cover"></div> <div class="col-xs-6 col-md-pull-6 color-swatch flip"> <a href="https://www.abe-eba.eu/market-practices-regulatory-guidance/market-practices-and-regulatory-guidance/" target="_self"> <div class="face front icon" style="background: #5a6278 url('/media/azure/production/1731/market_rgb_neg.jpg?anchor=center&mode=crop&width=250&height=250&rnd=131641322420000000&quality=87') center 35% no-repeat; background-size: cover"></div> <div class="face back" style="background-color: #5a6278"> <h2>Market Practices & Regulatory Guidance </h2> <p>Giving practical advice</p> <p> <i class="fa fa-angle-double-right"></i> <u>More information</u> </p> </div> </a> </div> </div> <div class="col-md-6 col-xs-12 tile"> <div class="col-xs-6 col-md-push-6 color-swatch flip"> <a href="https://www.abe-eba.eu/networking-events/ebaday/" target="_self"> <div class="face front icon" style="background: #7b6e5e url('/media/azure/production/1732/networking_rgb_neg.jpg?anchor=center&mode=crop&width=250&height=250&rnd=131641322420000000&quality=87') center 35% no-repeat; background-size: cover"></div> <div class="face back" style="background-color: #7b6e5e"> <h2>Networking & Events</h2> <p>Organising events and fostering pan-European practitioner exchange</p> <p> <i class="fa fa-angle-double-right"></i> <u>More information</u> </p> </div> </a> </div> <div class="col-xs-6 col-md-pull-6 color-swatch img" style="background: #7b6e5e url('/media/azure/production/2353/reception_square.jpg?anchor=center&mode=crop&width=250&height=250&rnd=132253051260000000&quality=87') center 35% no-repeat; background-size: cover"></div> </div> <div class="col-md-6 col-xs-12 tile"> <div class="col-xs-6 color-swatch img" style="background: #675454 url('/media/azure/production/2352/ebaday-exhibition-floor_square.jpg?anchor=center&mode=crop&width=250&height=250&rnd=132253051250000000&quality=87') center 35% no-repeat; background-size: cover"></div> <div class="col-xs-6 color-swatch flip"> <a href="https://www.abe-eba.eu/training-education/eba-summerwinter-schools-and-other-educational-seminars/" target="_self"> <div class="face front icon" style="background: #675454 url('/media/azure/production/1733/training_rgb_neg.jpg?anchor=center&mode=crop&width=250&height=250&rnd=131641322510000000&quality=87') center 35% no-repeat; background-size: cover"></div> <div class="face back" style="background-color: #675454"> <h2>Training & Education</h2> <p>Providing training and educational services on key industry topics to the EBA community </p> <p> <i class="fa fa-angle-double-right"></i> <u>More information</u> </p> </div> </a> </div> </div> </section> <section id="events" class="row"> <h1 class="col-sm-9">Upcoming events</h1> <div class="col-sm-3 text-right show-all hidden-xs"> <a href="https://www.abe-eba.eu/about-eba/events/" class="btn btn-default" title="show all events" role="button">Show all</a> </div> <div class="col-md-4 col-sm-12"> <dl> <dt class="title"> EBA Board meeting </dt> <dd class="icon date">09<sup>th</sup> April 2025</dd> <dd class="icon place">Brussels</dd> </dl> </div> <div class="col-md-4 col-sm-12"> <dl> <dt class="title"> EBA Board conference call </dt> <dd class="icon date">29<sup>th</sup> April 2025</dd> <dd class="icon call">Online</dd> </dl> </div> <div class="col-md-4 col-sm-12"> <dl> <dt class="title"> EBAday Business Forum <br><small>"Impacts of current developments on domestic and international payment strategies"</small> </dt> <dd class="icon date">30<sup>th</sup> April 2025</dd> <dd class="icon place">Paris</dd> </dl> </div> <div class="col-xs-12 visible-xs-block"> <a href="https://www.abe-eba.eu/about-eba/events/" class="btn btn-default" title="show all events" role="button">Show all</a> </div> </section> <section id="news" class="row"> <h1 class="col-sm-9">Latest news</h1> <div class="col-sm-3 text-right show-all hidden-xs"> <a href="https://www.abe-eba.eu/about-eba/news/" class="btn btn-default" title="show all news" role="button">Show all</a> </div> <div class="col-md-4 col-sm-12"> <div class="media"> <div class="media-left"> <span class="month text-center">Feb</span> <span class="day text-center">17<sup>th</sup></span> </div> <div class="media-body"> <h4 class="media-heading"> EBA, Capgemini and Microsoft release joint paper: The Business Relevance of Cloud Adoption </h4> </div> <div class="media-description"> <p>In this thought leadership piece, the financial industry players identify the public cloud as a key enabler of advancements in the financial sector, while highlighting challenges and risks that must be managed carefully. <a href="https://eur01.safelinks.protection.outlook.com/?url=https%3A%2F%2F0cf6407c19614507af5bf693aacd9cb2.svc.dynamics.com%2Ft%2Ft%2F3ufNebOfLC9ceahoWQyx9Y5kPpKLaDnFaUjzHaoxJIcx%2FfeSDcnXEUwgphM15nkZckJc90vCd1Gm0dW7G3DNWyOcx&data=05%7C02%7Cj.diederich%40ebaclearing.eu%7Cdcd5b32a5e7e4871bdbb08dd4f1caec9%7Ca716661474044f3494666fb44a5d2368%7C0%7C0%7C638753706815231808%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=nmU5BwxEBAdFTzol6zoYLNV%2FEKyHBNxouKFxVG6o4cw%3D&reserved=0" data-anchor="?url=https%3A%2F%2F0cf6407c19614507af5bf693aacd9cb2.svc.dynamics.com%2Ft%2Ft%2F3ufNebOfLC9ceahoWQyx9Y5kPpKLaDnFaUjzHaoxJIcx%2FfeSDcnXEUwgphM15nkZckJc90vCd1Gm0dW7G3DNWyOcx&data=05%7C02%7Cj.diederich%40ebaclearing.eu%7Cdcd5b32a5e7e4871bdbb08dd4f1caec9%7Ca716661474044f3494666fb44a5d2368%7C0%7C0%7C638753706815231808%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=nmU5BwxEBAdFTzol6zoYLNV%2FEKyHBNxouKFxVG6o4cw%3D&reserved=0">Read the publication</a></p> </div> </div> </div> <div class="col-md-4 col-sm-12"> <div class="media"> <div class="media-left"> <span class="month text-center">Nov</span> <span class="day text-center">08<sup>th</sup></span> </div> <div class="media-body"> <h4 class="media-heading"> EBA welcomes new Board member </h4> </div> <div class="media-description"> <p>As from 4 November 2024, Wim Grosemans of BNP Paribas Fortis, whose application has been supported by the EBA member community based in Belgium, has joined the Board of the Euro Banking Association.</p> <p>Wim takes over the Board seat held by Krister Billing prior to his appointment as EBA Deputy Chairman in June 2024.</p> </div> </div> </div> <div class="col-md-4 col-sm-12"> <div class="media"> <div class="media-left"> <span class="month text-center">Oct</span> <span class="day text-center">30<sup>th</sup></span> </div> <div class="media-body"> <h4 class="media-heading"> Improving cross-border payments: Euro Banking Association survey helps PSPs determine next steps </h4> </div> <div class="media-description"> <p>The Euro Banking Association (EBA) today released the findings of the EBA survey on cross-border payments initiatives. The survey was developed by the EBA Expert Group on Cross-Border Payments (EGXP) and was conducted earlier this year. The EBA invited its member banks to provide feedback on two core aspects: the extent to which relevant industry initiatives could improve cross-border payments in line with the targets and objectives of the G20 Roadmap and the prerequisites needed for the market adoption of these initiatives.</p> <p><a rel="noopener" href="/media/azure/production/4058/eba20241030_eba-cross-border-survey.pdf" target="_blank">Read press release</a></p> <p><a data-udi="umb://media/e7f7ab0135d448c8aa6b8748c97e8ce7" href="/media/azure/production/4080/eba_egxp_20241119_improving_cross-border_payments_findings_of_eba_survey.pdf" title="EBA EGXP 20241119 Improving Cross Border Payments Findings Of EBA Survey">Download report</a></p> <p><a rel="noopener" href="/media/azure/production/4055/eba_20241030_cross-border_payments_survey_executive_summary.pdf" target="_blank">Download executive summary</a></p> </div> </div> </div> <div class="col-xs-12 visible-xs-block"> <a href="https://www.abe-eba.eu/about-eba/news/" 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