Amundsen, Elin; Kalsone, Dace - 2009
Commission,
13 February 2006, last visited 15 July 2008 at
http://ec.europa.eu/internal_market/payments/docs/sepa/sepa-
2006 … benefits at stake, CapGemini special report, 28
January 2009, last visited 15 July 2008 at
http://ec.europa.eu/internal_market …-payments....................................................................11
2.3. Value-added services ......................................................12
3. The EU electronic retail …