The benefits for participants

The benefits targeted for customers

• A simple management of day to day administative tasks in a similar way to payments (credit transfers, direct debits, cards) and to electronic safe
• A unique portal (its bank) and thus a simplified connection for most of customers
• A multi-cannel capability allowing banks to deliver different services
• A unique reachability (to reach and to be reached) in Europe and usage opportunities outside of Europe
• A 7/7 - 24/24 availability from home, one's company or from the mobile
• A simplified machine to machine dialog
• A usage which does not require prior harmonisation between the different countries

A growth opportunity for payment actors

• A growth opportunity on services related to payment flows
• No move of the value-added to non banking actors
• A complementary action towards e-economy through the dematerialisation of paper-based documents and their exchanges
• The SEPAmail concept allows to adapt to many types of messages related to commercial acts
• SEPAmail is based on and valorize the multi-channel approach: branch, unattended machine, phone, Internet
• Competitive costs as the use of systems based on the "systemic importance IS" standards is avoided