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European legislators have long sought to make real-time payments The New Normal to this end the European commission introduced the legislative proposal to adapt the safer regulation which includes a range of drastic measures although this is a welcome move for European consumers and an important step to enabling Bank payment supported e-commerce it throws up all kinds of challenges for payment service providers Im child Harriman and this is the future of instant payments in 100 seconds [Music] [Applause] first of all lets take a look at the political context surrounding this new legislation in 2020 the European commission established a four pillar strategy on retail payments one of the core tenets of the strategy was to promote instant payments as a way of further integrating the single European payments area and to increase the Regions autonomy from foreign retail payments Giants such as visa and MasterCard despite their best efforts today instant payments account for less than 13