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EU payments regulation: unintended consequences

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This article, the first of a five-part series, looks at the European Commission’s proposals to revise the Payments Services Directive (PSD2) and a Regulation on Interchange Fees for card-based transactions (IFR). They also reflect the findings from research conducted by Ipsos MORI in September 2014 among consumers and retailers in Italy, Germany and Belgium. The results reveal potential unintended consequences the proposals will have if adopted in their current form.