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| The excellent operation of e-rsb is testament to
the expertise of CB and its members in the field of electronic
payments. |
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"We have to hand it to the banking community that has managed
to take the right decisions at the right time to adapt the Cartes
Bancaires system to future needs. Deciding collectively to reinvest
in a new network is a complex operation. It took a long time and numerous
discussions to find a consensus and overcome a degree of reluctance",
explained Yves Randoux, Director, Cartes Bancaires. CB members had
excellent reasons for putting off their choice.
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| Designed around
an open architecture providing users with a high degree of flexibility... |
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Between the potential problems of Y2K, the introduction of the euro
and the rollout of the new EMV smart card standard, it was only logical
to wait until things stabilised. Understanding at the outset that
ensuring the quality of the service provided to their customers was
fundamental and could in no way be compromised, the banking community
waited for the right moment to change systems. In acting in this way,
it has avoided two pitfalls: excessive hesitation and, conversely,
premature start-up of a project that could otherwise have involved
a high level of risk.
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| ... the new network
is an undeniable plus for promoting SEPA. |
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The excellent operation of e-rsb is testament to the expertise of
CB and its members in the field of electronic payments. Given this
success, the new network is an undeniable advantage within the SEPA.
Owned by its 151 bank members, it can be used by them without any
territorial limitations. The members can work with their customers
in the other European countries to process their banking operations.
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In particular,
e-rsb means CB member banks can work with their customers in
other European countries to process their card transaction flows. |
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e-rsb, a new technological system, is designed to serve banks. It
is up to them to choose the methods and means to be implemented to
build the SEPA. One thing is certain: it will be a very gradual process
and will require several years to implement. The CB banks are committed
to this future but they want to be able to define it within the context
of a prospective return and, above all, quality customer service.
The considerable investment involved for this payment system can only
be amortised within the SEPA (Single Euro Payment Area) if it contributes
to technical progress and improved services for cardholders and merchants
alike. |
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