Download guide (PDF)Introduction: Making sure that SEPA deliversThe advent of the SEPA credit transfer (SCT) on 28 January 2008 and the clarification of details about the SEPA Direct Debit (SDD), for which a launch date of 2 November 2009 has now been set, should have given SEPA its moment in the sun. However, circumstances conspired to ensure that SEPA was not at the top of most corporate agendas over the past year. While SCT volumes grew steadily and in line with expectations throughout 2008, the sharply worsening...