14  Notaries, lawyers, members of the Italian accounting profession, auditors and labour consultants and persons that engage in activities deemed by Decree 374/1999 to be exposed to money laundering (for example, claims recovery, cash handling and transport, gambling casinos, etc.). 15  The law provides for various ways of identifying customers, both in their presence and at a distance.
Let me clarify once more that Europe needs Visa and MasterCard, since they are currently the only schemes that offer a pan-European card payment solution. But we also need sufficient competition. For the moment, there are three new card scheme initiatives, each with their own strengths and weaknesses.