For banks, this poses various strategic questions which the EPC might also wish to reflect upon during its strategic retreat today. In view of the limited progress achieved by the market so far, the SEPA Council11 has identified a number of key challenges to be examined in order to ensure the provision of  7  Capgemini (2012): World Payments Report 2012.
He observed: If a foreign country can supply us with a commodity cheaper than we ourselves can make it, better buy it of them with some part of the produce of our own industry 10 employed in a way in which we have some advantage.