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ABN Amro achieved automated bank account bank code banking relationships benefits of SEPA Cash Management centralization CFOs collecting IBAN compliant costs credit transfers debit card payments direct debit efficient end-to-end Enterprise Resource Planning Estonia Euro Payments Area euro transactions Eurocard European Parliament European Payment Council euros throughout eurozone funds Glassman global head of transaction IBAN and BIC impact of SEPA implementation increase information that corporates introduction of SEPA investment invoice join the euro Latvia Laurence Neville Liechtenstein liquidity management Management Western Europe MasterCard operating opportunity payables and receivables payment infrastructure payment process payment services Payments Area SEPA payments in euros payments systems prepared for SEPA providers remittance information risk management Rossetti rulebooks says Lindow SEPA cards framework SEPA payment instruments SEPA Scheme SEPA standards SEPA's shared service centres significant Single Euro Payments Slovenia suppliers throughout the SEPA transaction banking transparency treasury