See
this article (in Dutch) which informs us that Bank Nederlandse Gemeenten (BNG, with a lot of municipalities as customers) chose to outsource their payments and support ICT to Ordina for a period of 10 years rather than the intended seven. A signal that it is quite likely that the SEPA-move will lead to a number of small banks outsourcing their systems (because they don't want to bothered with al upcoming changes in reachability, regulation an what have you).