One of our aims is to actively foster pan-European market initiatives for retail payments at the location of the purchase or interaction. [11]  Conclusion Let me conclude. The benefits of financial innovation should be available for all to see and experience.
Financial institutions have a window of opportunity to leverage technological advances to deliver innovative payment and financial solutions that meet consumers’ expectations of convenience, affordability, safety and global acceptance. European stakeholders should join forces or brace themselves for external disruption with potentially far-reaching implications for public policy.