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At the heart of SEPA is the removal of barriers and requirements that previously restricted how euro payments and collections, and hence liquidity management, were conducted across the region. With harmonized legislation and payment schemes, SEPA now provides organizations with the flexibility to operate their cash management activities irrespective of the location of their counterparts, standardize their processes and rationalize activities. While some barriers still remain to complete portability of account location, SEPA can facilitate streamlined cash management and more efficient processes.

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