SEPA Instant Payments: The €100k cap is lifting. Are you ready? скачать в хорошем качестве

SEPA Instant Payments: The €100k cap is lifting. Are you ready?

The €100,000 transaction cap for SEPA Instant Payments has been lifted — and banks need to be prepared. Larger instant payments bring new opportunities, but they also introduce significant liquidity, risk, and customer-experience challenges. In this short expert video, Pratiksha Pathak, SVP and Head of Payments at RedCompass Labs, explains what the removal of the €100k cap means for banks and why instant payments should be treated like a critical infrastructure capability, not just a regulatory requirement. Using a clear, practical analogy, Pratiksha explores how higher-value instant payments can put pressure on liquidity, increase operational risk, and impact reputation if banks are unprepared. She also outlines practical steps financial institutions can take to model customer behaviour, plan liquidity effectively, and protect trust as SEPA Instant volumes and values increase. This video is essential viewing for payments, treasury, and compliance leaders preparing for the next phase of SEPA Instant Payments regulation. Chapters 00:00 – 00:25 | The €100k Cap Is Lifting — Why It Matters 00:25 – 01:00 | Understanding the Risk of Larger Instant Payments 01:00 – 01:40 | Liquidity Pressure and Operational Exposure 01:40 – 02:20 | Protecting Liquidity and Customer Trust 02:20 – 03:05 | Modelling Customer Behaviour and Payment Flows 03:05 – 03:45 | Planning Liquidity with Realistic Scenarios 03:45 – 04:12 | Final Recommendations and Next Steps Read the article 👉 https://www.redcompasslabs.com/insigh... 📖 Subscribe to our newsletter and updates for the latest in payments and financial crime news: https://www.redcompasslabs.com/subscribe 👍 Give this video a thumbs up if you enjoyed it 👇 Leave a comment below with your thoughts 👉 Read RedCompass Labs Insights https://blog.redcompass.com/ 🐦 Follow us on LinkedIn   / redcompass