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hi everyone welcome to the second session of the payment instant payment series which is the workshop series number four in this session we are going to have a look at the sepa instant credit which is a very popular instant payment mechanism in the European Union area the European payments area started with credit transfers way back in the year 2008. 2009 was when direct debits or DD was introduced however it was recently only in 2017 when instant credit was introduced and is now very popular in the single European payments area we are going to look at the key differences of the credit transfer and the instant credit later on in this session so what exactly is step by instant credit as the name suggests itamp;#39;s an instant payment instrument for the execution of credit transfers in the Euro region this is very similar to UPI or imps in India nip or Gip in Nigeria and Ghana IPL in Europe and so on the messages which are exchanged in a sepa instant credit are ISO XML formats over Hig
