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If there has been one defining reaction to the Single Euro Payments Area (SEPA), it’s been “ho hum.” SEPA aims to eliminate differences between national payment systems in Europe, thus cutting the cost of cross-border payments. Its adoption finally looms larger on the horizon after the European Commission proposed long-awaited deadlines in December for switching to SEPA credit transfers and direct debits. But it’s still difficult to find corporate treasurers who are excited about the change.

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