"We Ose" by Benita Iyere Okojie Cross-border payments are no longer exceptional events which is why an efficient cross-border regime is needed. We have proposed to give an extra transition period of six months during which payments which differ from the SEPA (Single Euro Payments Area) format can still be accepted so as to ensure minimal disruption for consumers and businesses. SEPA is an initiative of the European banking industry that will make all electronic payments across the euro area – e.g. by credit card, debit card, bank...