has been published by ECB and can be downloadedhere. With the conclusion that there may be European harmonisation but national borders will still exist:
The answers to the last two questions showed a slightly controversial view regarding the integration of services across borders within and beyond SEPA. The statement that the majority of e-payment services will be offered cross-border by 2010 got an average ranking of 2.46 and the statement that national borders will still matter in 2010 got an average of 2.34. Standard e-payments like credit card payments on a virtual platform are mentioned by the providers as a niche for cross-border services that is already stable. It was commented by some providers that although no technological (internet and mobile telephones) barriers exist for cross-border services, there are national obstacles due to different frameworks (tax systems, legislation and national habits). Thus, it is not expected that the majority of e-products will be offered cross-border by 2010.