期刊名称：Annals of the University of Oradea : Economic Science
印刷版ISSN：1222-569X
电子版ISSN：1582-5450
出版年度：2009
卷号：XVIII
期号：03
出版社：University of Oradea
摘要：The study examines the actual status and the future application of Single Euro Payments Area
SEPA Cards Framework, based on Romanian experience. The paper highlights the fact that there is no
national card scheme in Romania and that the local cards market is still way behind its peers in the
European Union advanced countries, aspects proved through the inconsiderable part of chip cards, the
reduced numbers and small values of cards operations and through the cards terminals technologies non-
EMV standard (ATM, EFTPOS). Our considerations focus on the achievements and the challenges
Romania faces regarding the national implementation of SCF. We express our uneasiness regarding the
need to finalize the regulatory national framework according to the PSD (Payment Services Directive -
Directive 2007/64/EC of the EPC on payment services in the internal market) and SEPA.
关键词：Single Euro Payments Area (SEPA) Cards Framework SCF, National card scheme,
Challenges of the SCF implementation in Romania.
