For a foreseeable long period of time, the policy banks are still needed to strengthen their support to economic development in the west region, however, due to limitations of  BIS Review 88/2005  1  these banks in efficient resource allocation and business development, these traditional policy banks face the challenges in the transformation of business mode.
But SEPA for cards is about much more than that: it is about business rules and technical standards too. SEPA for cards – business rules The business rules are set out in the SEPA Cards Framework (SCF) by the European Payments Council (EPC), as well as the ECB’s “SEPA for Cards” report of November 2006.