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The results were as follows:
The poll suggests a significant shift in thinking away from a focus on regulation towards more innovative factors such as instant payments and mobile payments.
The uptake of new technologies (e.g. smartphones and cloud computing) has led to changes in customer habits and expectations, including the rise of e-commerce, m-commerce and instant payments.
Customers make increasing use of these online and mobile channels to buy goods and services at any time and in any place.
These developments contribute to the expectation for a faster, potentially real-time, finality and/or confirmation of payment.
It is, therefore, inescapable that both instant and mobile payments will become an increasingly important part of the payment landscape in Europe.
EPC_report to the ERPB_on instant payments