Local view for "http://purl.org/linkedpolitics/eu/plenary/2012-11-19-Speech-1-137-000"
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"en.20121119.21.1-137-000"2
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".
Mr President, I absolutely agree with the discussion and with the speeches by Members saying that payments are one of the most common expressions of the single market for its 500 million citizens.
It is a very rapidly evolving field and it is important that Europe supports the developments providing for simplicity and safety and guaranteeing the best value for payment services used by the citizens.
Now, a lot has been done but we need to go forward, as underlined in the report by Mr Terho, who supports the objectives of the Green Paper and who also argues for a more integrated payment market. This integration was taken forward by the regulations establishing a deadline for the migration to a single Europe payment area for credit transfers and direct debits. Thanks to that, from 2014 on there will be no difference between national and cross-border payments any more.
But a true and integrated internal market in payments must also involve payments by credit card, internet and mobile phone, as underlined by the speakers: we need choice for consumers; we need innovation safety to free up the potential of e-commerce.
You know that we do have problems with e-commerce at this moment, because only 35 % of internet users shop online because of problems related to payments. Therefore there are clearly specific problems to be solved.
First of all, we must defragment the payment services markets, which are far too often national. We must facilitate the access of new entrants and significantly increase the transparency of the cost of the different payment methods. We need to address issues of standardisation, interoperability, security of payments, data protection and the good governance of the system.
We are currently working on all these issues, such as the multilateral interchange fees, surcharges, governance and standardisation, as well as account access and security, and we will need to find the right balance. It will doubtless involve changing the regulatory framework of the directive on payment services.
The rapporteur’s report is a milestone in this debate. It constitutes a good basis for the work that we will carry out together to achieve a well-functioning digital single market beneficial to consumers.
I thank Parliament for its support and I have noted your call to legislate in this field. I can tell you today that your view is fully shared by the Commission and will be realised in the coming months."@en1
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