All of these programs are designed to give individuals tools to manage their personal financial affairs and make responsible decisions about products that can improve their economic well-being. The financial services industry maintains a keen interest in financial education programs and provides significant support.
SEPA migration I will now turn to the second challenge, namely the overall SEPA migration process and the question of a possible end-date. While the use of SCT has been increasing steadily since their launch in January 2008, they had reached 4.5% of the overall credit transfer volume in August 2009.