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American Express supports the initiatives by the Commission encourage instant payments across the EU. The design of such initiatives should consider all possible barriers to instant payments to ensure further adoption by consumers and businesses alike. A more developed instant payments infrastructure will open opportunities for payment initiation and acquiring in particular.

ESBG and its Members fully support efforts to increase the uptake of SCTInst and share the view that it could facilitate stronger and more integrated homegrown pan-EU payment solutions. The EC should foster an environment that enables the uptake of instant payments, e.g.

Please find attached the European Savings and Retail Banking Group's response to this public consultation. ESBG represents the locally focused European banking sector, helping savings and retail banks in 21 European countries strengthen their unique approach that focuses on providing service to local communities and boosting SMEs.

American Express welcomes the opportunity to provide feedback on the European Commission’s proposed revision of the Consumer Credit Directive, and is supportive of the Commission’s efforts to establish a single market for credit with harmonised and strengthened consumer protection measures.

The European Savings and Retail Banking Group (ESBG) welcomes the opportunity to provide feedback to the European Commission's legislative proposal for a new Payment Services Regulation. Please consider the attached ESBG position as our formal response to the Have Your Say consultation.

American Express (Amex) welcomes the proposed Payments Services Package introduced by the European Commission (EC) in June 2023, as these proposed changes will help to foster innovation, strengthen competition, and secure safer payments. Overall, this package marks an important step towards harmonizing payment standards across the EU.