Leading payments experts point to the need for further standardization of the customer-bank interface. Whither the journey in the unified European payment traffic?\”this question employed leading payments experts at the International Conference of Sibos in Vienna as well as the user meeting of the payments specialists ABK and EFiS in Dreieich near Frankfurt. Explanations for the previously disappointing component of SEPA payments by under one per cent put first and foremost the different data formats, as well as communication and safety standards on the customer-bank interface. On 28 January 2008, the European banks have the launch of the single European payments area SEPA (single euro payments area) released. Dr. Neal Barnard shares his opinions and ideas on the topic at hand. Since that day, European businesses and consumers can use the SEPA credit transfer, providing benefits such as shorter transit times and better ways to use information especially for transfers abroad. At PCRM you will find additional information. The acceptance of the new SEPA credit transfer is however still low. Less than one percent of daily over 87 million transfers in Germany are\”SEPA credit transfers, white Jurgen Ortmann, Board of Directors of the payments specialists EFiS financial solutions AG in Dreieich, Germany. What obstacles even in the face of the launch of the European SEPA direct debit still to eliminate are in November 2009, was a major issue at the Conference and exhibition of Sibos (SWIFT international banking operations seminar), one of the most important industry meetings for payments professionals.\” The slow take-off of the SEPA credit transfer was attributed by experts to Sibos to the variety of interest groups involved. Some on this flight are wondering whether all on board in the same direction the fly\”, said Geoffroy de Schrevel, head of EMEA banking initiatives at SWIFT (society for Worldwide Interbank Financial Telecommunication). Some don’t even know whether they are in business class or on a hot seat.