982 sets forth enhanced guidelines covering a holistic framework on information security risk management to address the growing concerns on rapidlyevolving cyber-threats; (3) Circular No. 958 requires BSFIs to implement multi-factor authentication for fund transfers, payments, and card not-present (CNP) transactions, in response to cyber-attacks and threats; (4) Circular No.
Would SEPA integration together with a strong position of current players in the card market mean that national schemes disappear without trace? This cannot be the case. 7  6  ATKearney (2008): The SEPA Shake out! Challenges in Cards and Payments.