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". Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@en4
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"Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@cs1
"Hr. formand! Ordføreren ønsker af tekniske årsager en skarp adskillelse mellem betalingstjenester og andre kommercielle aktiviteter, dvs. bankvirksomhed. Formålet med denne adskillelse er formodentlig at minimere risikoen. Alle betalinger, bortset fra et meget begrænset antal kontante betalinger, er overførsler mellem bankkonti. Det er således naturligt for bankerne at drive betalingssystemer, og jeg tror ikke, at en sådan adskillelse er hverken gennemførlig eller endog ønskelig af hensyn til effektiviteten. Direktivets erklærede og agtværdige målsætninger er bl.a. øget konkurrence, gennemsigtighed og forbrugerbeskyttelse. Gad vide, om det vil få samme skæbne som andre finansielle direktiver som f.eks. direktivet om markeder for finansielle instrumenter. Det er i dag gået op for mange af de folk, der arbejder i City of London, at omkostningerne forbundet med overholdelsen af direktivet om markeder for finansielle instrumenter er langt større end eventuelle potentielle fordele."@da2
"Herr Präsident! Ich möchte mich zu einer technischen Frage äußern. Der Berichterstatter will unbedingt eine strikte Trennung von Zahlungsdienstleistungen und anderen kommerziellen Tätigkeiten, das bedeutet Bankgeschäften. Zweck einer solchen Trennung ist vermutlich die Risikominimierung. Bei allen Zahlungen – abgesehen von einem verschwindend geringen Prozentsatz von Barzahlungen – handelt es sich jedoch um Transfers zwischen Bankkonten. Somit sind Banken die eigentlichen Einrichtungen, die Zahlungssysteme betreiben, und ich bezweifle, dass eine solche Trennung machbar oder unter dem Aspekt der Effizienz überhaupt wünschenswert wäre. In dieser Richtlinie heißt es, sie würde ein Mehr an Wettbewerb, Transparenz, Verbraucherschutz und so weiter bringen. Ich frage mich, ob sie ähnliche Auswirkungen wie andere Finanzdienstleistungsrichtlinien haben wird, wie etwa MiFID, die Richtlinie über Märkte für Finanzinstrumente zum Beispiel. Viele Menschen in der City of London haben jetzt erkannt, dass die Kosten der Einhaltung der MiFID wesentlich höher sind als jeder potenzielle Nutzen."@de9
"Κύριε Πρόεδρε, σχετικά με ένα τεχνικό θέμα, ο εισηγητής ενδιαφέρεται για τον αυστηρό διαχωρισμό των υπηρεσιών πληρωμών από τις άλλες εμπορικές δραστηριότητες, οι οποίες πρέπει να σημαίνουν τις τραπεζικές εργασίες. Σκοπός αυτού του διαχωρισμού είναι, υποτίθεται, η ελαχιστοποίηση του κινδύνου. Όλες όμως οι πληρωμές, εκτός ενός μικρού ποσοστού πληρωμών τοις μετρητοίς, είναι μεταφορές μεταξύ τραπεζικών λογαριασμών. Συνεπώς, οι τράπεζες είναι τα φυσικά ιδρύματα για τον χειρισμό των συστημάτων πληρωμών, και αμφιβάλλω εάν αυτός ο διαχωρισμός είναι εφικτός ή ακόμη και επιθυμητός από άποψη αποτελεσματικότητας. Η εν λόγω οδηγία ορίζει ότι έχει τους αξιέπαινους στόχους του αυξημένου ανταγωνισμού, της διαφάνειας, της προστασίας των καταναλωτών, κ.ο.κ. Διερωτώμαι εάν εξελιχθεί ομοίως με άλλα χρηματοδοτικά μέσα, όπως η MiFID, η οδηγία για τις αγορές χρηματοπιστωτικών μέσων, επί παραδείγματι. Πολλοί άνθρωποι στο κέντρο του Λονδίνου έχουν συνειδητοποιήσει πλέον ότι το κόστος συμμόρφωσης προς τη MiFID είναι πολύ μεγαλύτερο από τα όποια δυνητικά οφέλη."@el10
". Señor Presidente, sobre una cuestión técnica, el ponente tiene interés en que haya una separación rigurosa entre los servicios de pago y las demás actividades comerciales, con lo que debe referirse a la actividad bancaria. Es de suponer que el objetivo de esta separación es reducir el riesgo al mínimo. Pero todos los pagos, aparte de una insignificante proporción de pagos en efectivo, son transferencias entre cuentas bancarias. Por eso los bancos son las instituciones naturales en las que operan los sistemas de pago y dudo que esta separación sea viable o incluso deseable desde el punto de vista de la eficiencia. En la Directiva se dice que sus encomiables objetivos son el aumento de la competencia, la transparencia, la protección del consumidor, etcétera. Me pregunto si pasará como en las demás directivas, como la MiFID, la Directiva relativa a los mercados de instrumentos financieros, por ejemplo. Muchas personas de la City de Londres se han dado cuenta de que los costes de cumplimiento de la MiFID son mucho más elevados que sus posibles beneficios."@es21
"Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@et5
". Arvoisa puhemies, teknisistä kysymyksistä esittelijä on ottanut huolekseen sen, että maksupalvelut erotetaan selkeästi muusta kaupallisesta toiminnasta, joka tässä tarkoittaa kai pankkitoimintaa. Tämän erottelun tarkoituksena on ilmeisesti minimoida riskejä. Kaikki maksut, lukuun ottamatta käteismaksujen pikkuruista osuutta, ovat kuitenkin pankkitilien välillä suoritettavia siirtoja. Tämän vuoksi pankit ovat maksujärjestelmien käyttöön luonnollisesti sopivia laitoksia. Luulenkin, ettei tällainen erottelu ole mahdollinen tai edes toivottava tehokkuuden kannalta. Direktiivissä todetaan, että sen arvokkaina tavoitteina on lisätä kilpailua ja avoimuutta, suojella kuluttajaa ja niin edelleen. Mahtaakohan direktiivi osoittautua kuitenkin samanlaiseksi kuin muut rahoitusalan direktiivit, kuten rahoitusvälineiden markkinoita koskeva direktiivi? Monet Lontoon Cityssä ovat nyt huomanneet, että kyseisen direktiivin noudattamisesta aiheutuvat kustannukset ovat paljon suuremmat kuin direktiivistä mahdollisesti saatavat hyödyt."@fi7
". Monsieur le Président, à propos d’une question technique, le rapporteur insiste pour que les services de paiement soient rigoureusement séparés des autres activités commerciales, ce qui doit signifier les activités bancaires. Cette séparation a probablement pour but de réduire les risques au minimum. Mais à part une minuscule proportion de paiements en espèces, tous les paiements sont des transferts entre comptes en banque. Par conséquent, il est naturel que les banques soient les établissements qui exploitent les systèmes de paiement, et je doute qu’une telle séparation soit faisable, ou même souhaitable, au point de vue de l’efficacité. Cette directive inclut des objectifs louables de concurrence, de transparence et de protection des consommateurs accrues, etc. Je me demande si elle aura le même résultat que les autres directives financières, comme la MiFID, la directive concernant les marchés d’instruments financiers, par exemple. À la City de Londres, beaucoup réalisent maintenant que les coûts de la conformité à la MiFID dépassent de loin les bénéfices potentiels."@fr8
"Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@hu11
". Signor Presidente su una questione tecnica il relatore punta a introdurre una rigida separazione tra servizi di pagamento e altre attività commerciali, il che vuol dire necessariamente l’attività bancaria. Lo scopo di tale separazione presumibilmente è quello di minimizzare il rischio. Ma tutti i pagamenti, a parte una piccola porzione di pagamenti in contanti, sono trasferimenti tra conti bancari. Di conseguenza, le banche sono le istituzioni che hanno la naturale vocazione a gestire i sistemi di pagamento, e dubito che siffatta separazione sia fattibile o persino opportuna dal punto di vista dell’efficienza. Questa direttiva afferma di avere i nobili fini di incrementare la concorrenza, la trasparenza, la tutela dei consumatori e via dicendo. Mi chiedo se in definitiva seguirà la sorte di altre direttive finanziarie, come la direttiva MiFID, la direttiva sui mercati degli strumenti finanziari, ad esempio. Molti infatti nella City di Londra ora hanno compreso che i costi derivanti dall’ottemperanza alla MiFID sono molto superiori rispetto ai potenziali benefici."@it12
"Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@lt14
"Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@lv13
"Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@mt15
"Mijnheer de Voorzitter, ik wil een technische kwestie naar voren brengen. De rapporteur streeft naar een strikte scheiding tussen betalingsdiensten en andere commerciële activiteiten, ongetwijfeld doelend op het bankwezen. Deze scheiding heeft vermoedelijk ten doel om de risico’s tot een minimum te beperken. Maar afgezien van een piepklein aantal contante betalingen, bestaan alle betalingen uit overboekingen tussen bankrekeningen. Banken zijn derhalve de aangewezen instellingen om betalingssystemen te beheren en ik betwijfel of een dergelijke scheiding haalbaar is en zelfs of ze vanuit het oogpunt van doelmatigheid überhaupt wenselijk is. In deze richtlijn worden de nobele doelstellingen versterking van de concurrentie, transparantie, consumentenbescherming, enzovoorts, genoemd. Ik vraag me af of het met deze richtlijn dezelfde kant op gaat als met andere financiële richtlijnen zoals bijvoorbeeld MiFID, de richtlijn betreffende markten voor financiële instrumenten. Veel mensen in de City of London realiseren zich nu dat de mogelijke voordelen van MiFID niet opwegen tegen de kosten van de naleving ervan."@nl3
"Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@pl16
"Senhor Presidente, uma questão técnica: o relator pretende um regime de rigorosa separação entre os serviços de pagamento e outras actividades comerciais, que só podem corresponder à banca. O objectivo dessa separação é, presumivelmente, minimizar o risco. Mas todos os pagamentos, à excepção de uma franja mínima de pagamentos em numerário, são transferências bancárias conta-a-conta. Assim, os bancos são, por natureza, os grandes operadores de sistemas de pagamentos e duvido que tal separação seja viável ou mesmo desejável sob o prisma da eficiência. Esta directiva reclama os meritórios objectivos de aumentar a concorrência, a transparência, a protecção dos consumidores e por aí fora. Eu pergunto-me se não acabará por ter a sorte de outras directivas financeiras como, por exemplo, a MiFID, directiva relativa aos mercados de instrumentos financeiros. Na City de Londres já muita gente se deu conta de que os custos da conformidade com a MiFID ultrapassam largamente quaisquer benefícios potenciais que dela possam advir."@pt17
"Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@ro18
"Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@sk19
"Mr President, on a technical matter, the rapporteur is concerned to have rigorous separation of payment services from other commercial activities, which must mean banking business. The purpose of this separation is, presumably, to minimise risk. But all payments, apart from a tiny proportion of cash payments, are transfers between bank accounts. Hence banks are the natural institutions for operating payment systems, and I doubt that such a separation is either feasible or even desirable from an efficiency point of view. This directive states that it has the worthy objectives of increased competition, transparency, consumer protection and so on. I wonder whether it will turn out like other financial directives such as MiFID, the Markets in Financial Instruments Directive, for instance. Many people in the City of London have now realised that the costs of compliance with MiFID are far larger than any potential benefits."@sl20
"Herr talman! Jag vill ta upp en teknisk fråga. Föredraganden vill att betaltjänsterna ska hållas strikt åtskilda från annan affärsverksamhet, vilket måste betyda bankverksamhet. Syftet är förmodligen att minimera riskerna. Men alla betalningar, bortsett från en mycket liten andel kontanta betalningar, är överföringar mellan bankkonton. Bankerna är alltså de institutioner som normalt handhar betalningssystemen, och jag tvivlar på att ett sådant åtskiljande är möjligt eller ens önskvärt ur effektivitetssynpunkt. De hedervärda målen med direktivet är ökad konkurrens, insyn, konsumentskydd och så vidare. Jag undrar om det kommer att gå samma öde till mötes som många andra finansiella direktiv, till exempel direktivet om marknader för finansiella instrument (MiFID). Många av Londons invånare har nu insett att kostnaderna för att följa MiFID är mycket större än eventuella fördelar."@sv22
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