Your opinion of the European Payment initiatives

So, what do you think about the changing regulatory environment in Europe? Has SEPA and PSD had any real impact you think? Succes or failure? Good and bad? Take 5 minutes and answer 23 multiple choice questions in the European Payment Survey 2010 arranged by The Financial Services Club Blog.

If you participate in the survey you will also get a copy of the result and you have a chance of winning "The Future of Finance after SEPA", a book edited by Chris Skinner.