Subsequently, I will focus on three issues that are important for the retail payments market in general in coming years: 1.  innovation;  2.  competition; and  3.  globalisation. In this context, it is essential that we keep up a continuous dialogue with all stakeholders, including that with the EPC, a very prominent actor.
2010–11 review: end-date for migration to SEPA, competitive European cards market, security of retail payments Where do we stand? In 2010, the SEPA project was largely dominated by the intense debate on the proposal to set an end-date for the migration to SEPA by regulation.