why cant some fintechs access sepa - SERP Analysis

https://financialit.net/blog/europepayments-fintechbarriers/access-denied-why-europes-payment-systems-are-still-holding

https://www.numeral.io/guide-article/become-sepa-indirect-participant

https://samboboev.medium.com/fintech-isnt-dead-ai-is-driving-a-new-beginning-what-is-sepa-instant-credit-transfer-typical-bu-55c3e4d4def2

https://www.netguru.com/blog/sepa-payments-fintech-implementation

https://www.fintechweekly.com/magazine/articles/europe-payments-sepa-wero-infrastructure-fintech-transformation-interview-with-christian-caumont

https://substack.com/home/post/p-150202862?utm_campaign=post&utm_medium=web

https://integrated.finance/insights/blogs/the-power-of-sepa-transfers

https://www.finextra.com/blogposting/28759/ukraine-approaches-sepa-what-this-means-for-ukrainian-fintech-and-business

https://stripe.com/resources/more/sepa-transfers-explained

https://www.grip.globalrelay.com/fintech-wrap-finfluencers-warned-russian-fintechs-sanctioned-sepa-regs-present-challenges/

https://www.flagright.com/post/mandatory-sepa-instant-payments-real-time-compliance

https://www.innovatefinance.com/blogs/sepa-instant-payments-why-banks-need-to-act-now/

https://www.reddit.com/r/Revolut/comments/pduu9u/why_revolut_denies_sepa_instant_transactions_to/

https://www.numeral.io/blog/what-to-expect-2024

https://cryptoslate.com/ecb-empowers-fintechs-with-direct-access-to-europes-central-bank-payment-systems/

https://hello.easytransac.com/en/help-center/pourquoi-je-nai-pas-acces-au-service-de-prelevement-sepa-via-easytransac

https://northeypoint.substack.com/p/30-sepa-participation-should-fintechs

https://northeypoint.com/2025/02/04/%F0%9D%90%92%F0%9D%90%84%F0%9D%90%8F%F0%9D%90%80-%F0%9D%90%A9%F0%9D%90%9A%F0%9D%90%AB%F0%9D%90%AD%F0%9D%90%A2%F0%9D%90%9C%F0%9D%90%A2%F0%9D%90%A9%F0%9D%90%9A%F0%9D%90%AD%F0%9D%90%A2%F0%9D%90%A8/

https://www.eba.europa.eu/eba-response/9166?destination=/publications-and-media/events/discussion-approach-financial-technology-fintech

https://www.moodys.com/web/en/us/kyc/resources/insights/sepa-faster-payments-and-4-regulatory-milestones-to-consider.html

https://app.getcontrast.io/register/sepa-participation-should-fintechs-go-direct-uk-example

https://www.getdefacto.com/article/psd3

https://www.bain.com/insights/united-we-thrive-the-untapped-power-of-bank-fintech-partnerships/

https://truelayer.com/blog/product/open-banking-why-sepa-instant-payments-need-a-nudge/

https://nordicfintechmagazine.com/the-first-local-non-bank-pioneer-to-secure-direct-sepa-access-how-xpate-breaks-the-bank-monopoly/

https://www.kyriba.com/resource/what-is-sepa-payment/

https://www.europeanpaymentscouncil.eu/what-we-do/sepa-instant-credit-transfer

https://www.toriipay.com/posts/sepa-request-to-pay-vs-open-banking

https://www.fintechfutures.com/fintech/you-think-sepa-is-over-think-again

https://www.reddit.com/r/Switzerland/comments/1ken75a/swiss_banks_charge_for_api_access_no_budgeting/

https://monei.com/blog/fintech-vs-traditional-banks/

https://www.aciworldwide.com/sepa-instant-payments

https://www.fintechwrapup.com/p/payment-interoperability-in-asia

https://www.centralbank.ie/financial-system/payments-and-securities-settlements/single-european-payments-overview

https://www.linkedin.com/posts/sirojboboev_fintech-payments-sepa-activity-7285762748917891072-aVUq

https://www.acm.nl/sites/default/files/documents/2018-02/acm-study-fintechs-in-the-payment-market-the-risk-of-foreclosure.pdf

https://www.openpayd.com/announcements/openpayd-enhances-its-sepa-capabilities/

https://ffnews.com/newsarticle/banks-expect-to-lose-millions-in-interest-due-to-sepa-instant-but-believe-benefits-outweigh-costs/

https://www.iif.com/portals/0/files/private/partnerships_report_0.pdf

https://www.form3.tech/news/press-releases/form3-barclays-sepa-credit-transfer

https://stripe.com/resources/more/sepa-direct-debit-an-in-depth-guide

https://finci.com/en/sepa-instant-payments

https://documents1.worldbank.org/curated/en/230091592918282222/pdf/Payment-Aspects-of-Financial-Inclusion-in-the-Fintech-Era.pdf

https://www.linkedin.com/posts/amlwatcher_payment-sepa-aml-activity-7283516702485614592-1ADo

https://www.citigroup.com/global/news/press-release/2022/citi-launches-sepa-instant-payments-in-europe

https://www.moorwand.com/solutions/digital-banking/

https://inventi.io/products/sepa-integration/

https://www.ba.lt/en/news/all-about-entering-sepa/

https://bpfi.ie/wp-content/uploads/2024/08/Unlocking-Financial-Innovation-Strategic-Approach-to-Open-Banking-Implementation.pdf

https://learn.microsoft.com/en-us/dynamics365/finance/accounts-payable/sepa-credit-transfer

https://www.openpayd.com/

https://www.imf.org/-/media/Files/Publications/WP/2020/English/wpiea2020241-print-pdf.ashx

https://www.castellum.ai/insights/real-time-compliance-for-instant-payments-fednow-and-sepa

https://assets.kpmg.com/content/dam/kpmg/ie/pdf/2023/11/ie-psd3-psr-sepa-instant-legislation-2.pdf

https://www.dnb.nl/en/payments/how-do-payments-work/sepa-and-iban-discrimination/

https://en.wikipedia.org/wiki/Single_Euro_Payments_Area

https://personalbanking.bankofireland.com/bank/sepa/questions-about-sepa-payments/

https://www.e-resident.gov.ee/blog/posts/banking-shouldnt-be-complicated-the-evolution-of-client-oriented-services/

https://www.redcompasslabs.com/insights/sepa-payment-account-access-spaa-scheme/

https://www.finextra.com/the-long-read/990/are-fintechs-destined-to-become-banks

https://www.jpmorgan.com/insights/payments/liquidity-and-account-solutions/sepa-instant-credit-transfer-in-dublin

https://www.thebanker.com/content/f61a7a52-28de-5fba-afcb-381e04fbbcb4

https://www.quanloop.com/en/insights/why-arent-more-banks-adopting-sepa-instant/

https://www.ecovis.com/lithuania/fintech/correspondent-bank-accounts-for-finance-institutions-sepa-and-target2-connection/

https://quant.network/perspectives/sepa-instant-payments-why-banks-need-to-act-now/

https://www.volantetech.com/european-instant-payments-evolution/

https://bvnk.com/blog/money-moves-a-short-introduction-to-sepa-payments

https://www.transfi.com/blog/sepa-payments

https://www.centralbanking.com/topics/single-euro-payments-area-sepa

https://ec.europa.eu/commission/presscorner/detail/cs/qanda_23_3544

https://www.cobase.com/insight-hub/what-is-sepa

https://connectpay.com/fintechs/

https://trustpair.com/blog/sepa-request-to-pay-definition-advantages-and-risks/

https://satchel.eu/blog/sepa-instant-transfers/

https://sebgroup.com/press/news/2025/seb-offers-luxembourg-clients-access-to-sepa-instant-payments

https://www.natwest.com/business/support-centre/making-and-accepting-payments/electronic-payments/sepa.html

https://www.paymentlabs.io/blog/payments/understanding-sepa-to-leverage-its-payments-infrastructure-in-europe/

https://www.europeanpaymentscouncil.eu/what-we-do/be-involved/register-participants/registers-participants-sepa-payment-schemes

https://www.inpay.com/news-and-insights/what-are-sepa-payments/

https://complyadvantage.com/insights/what-is-sepa/

https://iconsolutions.com/icon_in_the_news/form3-selects-instant-payments-framework-ipf-sepa-instant-payments/

https://www.fintechfutures.com/instant-real-time-payments/how-europe-s-psps-are-bracing-for-sepa-instant-payments

https://eps.edenred.com/blog/a-guide-to-sepa-enabled-e-money-accounts

https://www.joonis.de/en/fintech/doc/sepa/

https://tink.com/blog/open-banking/sepa-request-to-pay/

https://www.payset.io/post/fintech-vs-banks

https://www.bancaditalia.it/compiti/sispaga-mercati/sepa/index.html?com.dotmarketing.htmlpage.language=1

https://www.airwallex.com/us/blog/sepa-payments

https://truelayer.com/blog/payments/spaa-apis-boost-to-european-a2a-payments/

https://www.retailbankerinternational.com/comment/the-challenges-of-iban-discrimination-maya-kumar/

https://accesspay.com/knowledge-hub/payments/is-the-uk-still-part-of-sepa/

https://www.fintechwrapup.com/p/deep-dive-the-great-bank-unbundling

https://gocardless.com/guides/sepa/countries-sepa-zone/

https://www.fca.org.uk/firms/credit-transfers-direct-debits-euro-sepa

https://satchel.eu/faq/sepa-the-ultimate-guide/

https://www.pymnts.com/news/b2b-payments/2019/deutsche-bank-serrala-real-time-api-solution-erp/

https://www.elibrary.imf.org/view/journals/001/2020/241/article-A001-en.xml

https://www.fintechweekly.com/magazine/articles/european-banks-liquidity-costs-sepa-instant-payments

https://cristian.livadaru.net/the-ugly-side-of-fintech-startups/

https://www.unlimit.com/