{"id":13012,"date":"2021-03-19T08:00:32","date_gmt":"2021-03-19T07:00:32","guid":{"rendered":"https:\/\/www.galitt.com\/?p=13012"},"modified":"2022-02-09T12:01:19","modified_gmt":"2022-02-09T11:01:19","slug":"epi-the-next-european-payment-revolution","status":"publish","type":"post","link":"https:\/\/www.galitt.com\/en\/epi-the-next-european-payment-revolution\/","title":{"rendered":"EPI: the next European payment revolution?"},"content":{"rendered":"\n\n[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;5e700975-0358-4c51-b869-408af7a95880&#8243;][et_pb_row _builder_version=&#8221;4.6.6&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_post_title author=&#8221;off&#8221; categories=&#8221;off&#8221; comments=&#8221;off&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;||||||||&#8221; title_font_size=&#8221;36px&#8221;][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<p>In 2020, 16 European banks from\u00a05\u00a0Eurozone countries launched the idea of an international payment network independent of Visa and\u00a0Mastercard, called EPI (<em><a href=\"https:\/\/www.galitt.com\/2020\/12\/11\/become-epi-ready-with-the-sopra-steria-group\/?lang=en\">European Payment Initiative<\/a><\/em>).\u00a0Since then, the initiative has taken shape, interbank work\u00a0has been launched\u00a0and EPI appears more and more as a future alternative in a world where European sovereignty is increasingly at stake.<\/p>\n<p>Galitt tells you more about this large-scale project, which could in the future change our daily life as &#8220;payers&#8221;.<\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.galitt.com\/wp-content\/uploads\/2021\/03\/api1.png&#8221; title_text=&#8221;api1&#8243; align=&#8221;center&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<h2><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun MacChromeBold  BCX9 SCXW151955840\"><span class=\"NormalTextRun  BCX9 SCXW151955840\" data-ccp-charstyle=\"normaltextrun\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;806f7341-a3f3-4a10-aabd-fa98800fc0ff|19&quot;,&quot;Properties&quot;:[134233614,&quot;true&quot;,201340122,&quot;1&quot;,469775450,&quot;normaltextrun&quot;,469778129,&quot;normaltextrun&quot;,469778324,&quot;Default Paragraph Font&quot;],&quot;ClassId&quot;:1179649}\">A little history<\/span><\/span><\/h2>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<p><span data-contrast=\"auto\">To begin with<\/span><span data-contrast=\"auto\">, a little background. EPI is\u00a0<\/span><span data-contrast=\"auto\">first of all<\/span><span data-contrast=\"auto\">\u00a0the return to the forefront of an idea that emerged in 2010, in the form of a project called\u00a0<\/span><a href=\"https:\/\/adn-co.news\/actualites\/details\/5224\"><span data-contrast=\"none\">Monnet<\/span><\/a><span data-contrast=\"auto\">. This project already formulated the idea of creating a European card network, competing with Visa and\u00a0<\/span><span data-contrast=\"auto\">Mastercard<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-contrast=\"auto\">But<\/span><span data-contrast=\"auto\">\u00a0the project\u00a0<\/span><a href=\"https:\/\/adn-co.news\/actualites\/details\/6055\"><span data-contrast=\"none\">failed\u00a0<\/span><\/a><span data-contrast=\"auto\">due to the difficulty of the actors involved to find a consensus on the innovations to be implemented in this framework and the lack of added value for the cardholder, compared to what already existed.\u00a0<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">However, the idea continued to gain momentum.\u00a0<\/span><span data-contrast=\"auto\">And<\/span><span data-contrast=\"auto\">\u00a0in 2019, twenty European banks came together around the\u00a0<\/span><a href=\"https:\/\/adn-co.news\/actualites\/details\/en-bref-lactu-paiement-du-mois-de-novembre-1\"><span data-contrast=\"none\">PEPSI\u00a0<\/span><\/a><span data-contrast=\"auto\">(Pan European Payment System Initiative) project, since renamed\u00a0<\/span><a href=\"https:\/\/adn-co.news\/actualites\/details\/european-payments-initiative-les-banques-lancent-leur-scheme-europeen\"><span data-contrast=\"none\">EPI<\/span><\/a><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">EPI was born out of this, but with a fundamental difference: it brings all kinds of payments under the same scheme, not just card payments.<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<h2><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun MacChromeBold  BCX9 SCXW160881575\"><span class=\"NormalTextRun  BCX9 SCXW160881575\" data-ccp-charstyle=\"normaltextrun\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;806f7341-a3f3-4a10-aabd-fa98800fc0ff|19&quot;,&quot;Properties&quot;:[134233614,&quot;true&quot;,201340122,&quot;1&quot;,469775450,&quot;normaltextrun&quot;,469778129,&quot;normaltextrun&quot;,469778324,&quot;Default Paragraph Font&quot;],&quot;ClassId&quot;:1179649}\">But<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun MacChromeBold  BCX9 SCXW160881575\"><span class=\"NormalTextRun  BCX9 SCXW160881575\" data-ccp-charstyle=\"normaltextrun\"><span>\u00a0<\/span>why EPI?<\/span><\/span><\/h2>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<p><span data-contrast=\"auto\">This is a strategic project, supported by the European authorities (the European Commission and the ECB), because it meets two major challenges. The first is\u00a0<\/span><b><span data-contrast=\"auto\">harmonization<\/span><\/b><span data-contrast=\"auto\">. Although the implementation of the Single Euro Payments Area (SEPA) is well underway, it is clear that this harmonization is not yet complete. The European market is still very fragmented. According to the European Central Bank, &#8220;Ten European countries still have national schemes that do not accept cards from other EU member states. EPI\u00a0<\/span><span data-contrast=\"auto\">was therefore designed<\/span><span data-contrast=\"auto\">\u00a0to create a new European standard for cross-border and domestic payments. This desire for harmonization has already been translated in Europe by the implementation of the instant transfer (also called Instant\u00a0<\/span><a href=\"https:\/\/adn-co.news\/actualites\/details\/instant-payment-le-virement-instantane-est-operationnel\"><span data-contrast=\"none\">Payment<\/span><\/a><span data-contrast=\"auto\">), with the same idea of promoting competition and encouraging innovation, to the benefit of consumers. In addition, the\u00a0<\/span><span data-contrast=\"none\">COVID-19 outbreak has also highlighted the need for a European dematerialized payment system. In fact, customers have turned away from cash payments in large numbers and have preferred contactless payments and online shopping during this period.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u202f<\/span><b><span data-contrast=\"auto\">The other major issue that EPI addresses is sovereignty<\/span><\/b><span data-contrast=\"auto\">. The dominant players in the card payment market today are all American, whether it be Visa and\u00a0<\/span><span data-contrast=\"auto\">Mastercard<\/span><span data-contrast=\"auto\">\u00a0or the major GAFAs, who have long shown\u00a0<\/span><a href=\"https:\/\/adn-co.news\/actualites\/details\/en-bref-facebook-poursuit-ses-projets-de-systeme-de-paiement-unifie\"><span data-contrast=\"none\">their desire\u00a0<\/span><\/a><span data-contrast=\"auto\">to control part of the payment value chain. This concern has been around for a long time, but has taken on new importance with the health crisis and the deteriorating geopolitical climate under President Donald Trump.<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<h2><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun MacChromeBold  BCX9 SCXW240326233\"><span class=\"NormalTextRun  BCX9 SCXW240326233\" data-ccp-charstyle=\"normaltextrun\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;806f7341-a3f3-4a10-aabd-fa98800fc0ff|19&quot;,&quot;Properties&quot;:[134233614,&quot;true&quot;,201340122,&quot;1&quot;,469775450,&quot;normaltextrun&quot;,469778129,&quot;normaltextrun&quot;,469778324,&quot;Default Paragraph Font&quot;],&quot;ClassId&quot;:1179649}\">Who wears EPI today?<\/span><\/span><\/h2>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<p><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;806f7341-a3f3-4a10-aabd-fa98800fc0ff|19&quot;,&quot;Properties&quot;:[134233614,&quot;true&quot;,201340122,&quot;1&quot;,469775450,&quot;normaltextrun&quot;,469778129,&quot;normaltextrun&quot;,469778324,&quot;Default Paragraph Font&quot;],&quot;ClassId&quot;:1179649}\">At the origin of the<span>\u00a0<\/span><\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2 SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">project<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\"><span>\u00a0<\/span>we find the French Banking Federation; France has thus been a powerful engine at the origin of this European project. Today, six major French banks are involved (BNP Paribas, BPCE,<span>\u00a0<\/span><\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">Cr\u00e9dit<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\"><span>\u00a0<\/span><\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">Agricole<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">,<span>\u00a0<\/span><\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">Cr\u00e9dit<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\"><span>\u00a0<\/span><\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">Mutuel<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">, La<span>\u00a0<\/span><\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">Banque<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\"><span>\u00a0<\/span><\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SpellingErrorV2 SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">Postale<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\"><span>\u00a0<\/span>and<span>\u00a0<\/span><\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">Soci\u00e9t\u00e9<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\"><span>\u00a0<\/span><\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">G\u00e9n\u00e9rale<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">). Alongside them, ten other German, Dutch, Spanish and Belgian banks are among the founders of EPI. More recently, two major Polish (PKO Bank<span>\u00a0<\/span><\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">Polski<\/span><\/span><span data-contrast=\"auto\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW22491713 BCX9\"><span class=\"NormalTextRun SCXW22491713 BCX9\" data-ccp-charstyle=\"normaltextrun\">) and Finnish (OP Financial Group) banks and a consortium of 12 Spanish credit institutions joined the association.<\/span><\/span><\/p>[\/et_pb_text][et_pb_divider show_divider=&#8221;off&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_divider][et_pb_image src=&#8221;https:\/\/www.galitt.com\/wp-content\/uploads\/2021\/03\/EPI-banks.png&#8221; title_text=&#8221;EPI banks&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<p><span data-contrast=\"auto\">But<\/span><span data-contrast=\"auto\">\u00a0since then, EPI has been able to open up its ecosystem by bringing in non-banking members. Last November, the two processors\u00a0<\/span><span data-contrast=\"auto\">Worldline<\/span><span data-contrast=\"auto\">\u00a0and Nets joined EPI. EPI meets a challenge that Monnet had not been able to meet: to address the entire payment ecosystem and not only the needs of banks. This challenge will be essential to EPI&#8217;s future success in order to unite all the players in the chain around it and thus maximize its chances of\u00a0<\/span><span data-contrast=\"auto\">being adopted<\/span><span data-contrast=\"auto\">\u00a0by end consumers.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><strong><em>In a future article, we will present the structure of EPI, its future offer and the technical issues it covers.<\/em><\/strong><\/p>[\/et_pb_text][et_pb_divider show_divider=&#8221;off&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_blog fullwidth=&#8221;off&#8221; posts_number=&#8221;3&#8243; use_manual_excerpt=&#8221;off&#8221; excerpt_length=&#8221;0&#8243; show_author=&#8221;off&#8221; show_categories=&#8221;off&#8221; show_excerpt=&#8221;off&#8221; show_pagination=&#8221;off&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||||false|false&#8221; border_width_all=&#8221;0px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;14px&#8221; box_shadow_spread=&#8221;-5px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221;][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":13043,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[151,133],"tags":[],"class_list":["post-13012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beg","category-epi-european-payment-initiative-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>EPI: the next European payment revolution? - Episode 1<\/title>\n<meta name=\"description\" content=\"EPI is first of all the return to the forefront of an idea that emerged in 2010, in the form of a project called Monnet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.galitt.com\/epi-la-prochaine-revolution-europeenne-des-paiements\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EPI: the next European payment revolution? - Episode 1\" \/>\n<meta property=\"og:description\" content=\"EPI is first of all the return to the forefront of an idea that emerged in 2010, in the form of a project called Monnet.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.galitt.com\/epi-la-prochaine-revolution-europeenne-des-paiements\/\" \/>\n<meta property=\"og:site_name\" content=\"Galitt\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-19T07:00:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-02-09T11:01:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.galitt.com\/wp-content\/uploads\/2021\/03\/Tribune-EPI-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Galitt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@galitt_officiel\" \/>\n<meta name=\"twitter:site\" content=\"@Galitt_officiel\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Galitt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.galitt.com\/epi-la-prochaine-revolution-europeenne-des-paiements\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.galitt.com\/epi-la-prochaine-revolution-europeenne-des-paiements\/\"},\"author\":{\"name\":\"Galitt\",\"@id\":\"https:\/\/www.galitt.com\/#\/schema\/person\/6bfbebd28c9cfabcbfe13118178301c5\"},\"headline\":\"EPI: the next European payment revolution?\",\"datePublished\":\"2021-03-19T07:00:32+00:00\",\"dateModified\":\"2022-02-09T11:01:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.galitt.com\/epi-la-prochaine-revolution-europeenne-des-paiements\/\"},\"wordCount\":1088,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.galitt.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.galitt.com\/epi-la-prochaine-revolution-europeenne-des-paiements\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.galitt.com\/wp-content\/uploads\/2021\/03\/Tribune-EPI-1.png\",\"articleSection\":[\"Begginers\",\"EPI : European Payment Initiative\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.galitt.com\/epi-la-prochaine-revolution-europeenne-des-paiements\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.galitt.com\/epi-la-prochaine-revolution-europeenne-des-paiements\/\",\"url\":\"https:\/\/www.galitt.com\/epi-la-prochaine-revolution-europeenne-des-paiements\/\",\"name\":\"EPI: the next European payment revolution? 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