What we want is for electronic payment means to work for you wherever you are, whether you are paying by card, online, or using your smartphone. With the creation of SEPA, we have made huge efforts to integrate the European retail payments market.
Why should we not take advantage of the harmonisation and integration already achieved with the SEPA project in working towards instant payments? I believe that payment service users do not want to be swamped by dozens of different solutions, having to subscribe to different platforms depending on what they want to do.