Today, I would like to focus on card payments and share with you the expectations that we have in this field. But let me begin with the progress we have made so far in the SEPA process. SEPA progress The SEPA credit transfer (SCT) scheme, although its use is still relatively low, is growing every month.
The forthcoming launch of the SEPA direct debit (SDD) scheme, the expected use of the SCT and SDD by public authorities and corporates and the definition of an enddate are all elements that will further boost SCT migration.