Betaaljournaal 34

The days are getting shorter and the cycling gloves and jackets are out of the closet. Fortunately, there are enough developments in payment transactions to keep us off the streets and at our comfy workplaces.

The WE BUILD large-scale pilots with the EUDI Wallet for payments have been launched. In a new campaign by Toegankelijk Bankieren (Accessible Banking), celebrities explain how we can easily and securely bank online from the comfort of our own homes. From now on, you can make instant payments to and from all banks in other eurozone countries. The digital euro and stablecoins are stirring up emotions. E-Commerce seems to finally shake off the after-effects of covid.

This and more in today’s Betaaljournaal. I hope you enjoy reading it.

Arjan Bol, managing director

 

• From now on, instant payments between all eurozone countries
• Launch of European WE BUILD pilots with EUDI Wallet
• Dutch celebs promote accessible banking
• Arjan Bol’s first hundred days in office
• Start of trilogue on PSR/PSD3 between European legislators
• Consumers buy more products and fewer services online
• The answer to stablecoins is wholesale CBDC, not the digital euro
• PCI SSC Community Meeting 2025 focuses on security
• About payments
• Also interesting
• Association news
• Agenda

 

From now on, secure instant payments between all eurozone countries

From October 9, 2025, Dutch citizens can instantly transfer euros to all banks in other euro countries, within ten seconds, every day of the year and at any time of the day. Conversely, they can receive instant payments from all other euro countries at any time. In addition, the familiar IBAN-Name Check will work for all IBANs in all euro countries. This allows Dutch citizens to pay and receive transfers throughout the eurozone as they have been accustomed to domestically for many years.

What you need to know about cross-border instant payments, in Dutch

 

Launch of European WE BUILD pilots with EUDI Wallet

On September 3, the European WE BUILD partnership officially launched, with more than 350 participants from 35 countries. In a large-scale pilot, 13 possible applications of the EU Digital Identity Wallet (EUDI Wallet) will be developed and tested. Within WE BUILD, the Dutch Payments Association and Visa are leading a working group focused on authorization of consumer payments with the EUDI Wallet.

Read more about the pilots with the EUDI Wallet in consumer payments, in Dutch

 

Dutch celebs promote accessible banking

With a little help, you can do it! Comedian Jörgen Raymann helps his mother with her daily banking, and TV-presenter Lucille Werner assists her fellow townsperson Dory. Both Dutch celebrities appear in videos and articles to show how they help others and how you can improve your banking skills. Amongst others, they point out how to call your bank from your banking app, recommend www.Bankinformatiepunt.nl for useful information, and show fun ways to master digital banking.

Jörgen takes on his role of Aunt Es to show that she found her way to her bank just fine when ‘her’ branch-office was closed. In addition to Jörgen and Lucille’s messages, there are numerous other means of communication for the target group (such as the booklet ‘A conversation about help with banking matters’ and a SeniorWeb special on online banking) and for their helpers (‘the national compliment’). More about this on www.ToegankelijkBankieren.nl and in LinkedIn posts.

 

Arjan Bol’s first hundred days in office

Arjan Bol’s first hundred days as managing director of the Dutch Payments Association are now well behind him. Arlette Broex and Gertjan Rösken interrogated him in an episode of their podcast ‘De Nieuwe Knikkers’ (‘New Marbles’). Dutch payments are running smoothly; what challenges lie ahead for him and the Payments Association?

Stream the full podcast on Arjan Bol’s first hundred days in office, in Dutch

 

Start of trilogue on PSR/PSD3 between European legislators

In mid-2023, the European Commission (EC) published its legislative proposals for PSR and PSD3, replacing the current PSD2 directive. Over the past two years, the European Parliament (EP) and the Council of the EU have determined their respective positions on these proposals.

In July 2025, the legislative proposal entered the so-called trilogue phase, in which the EC, the EP, and the Council negotiate the final texts of PSR and PSD3. If proceedings go smoothly, this could be completed by the end of 2025.

More background on this legislative process for PSR and PSD3

 

Consumers buy more products and fewer services online

Dutch consumers spent more than €17 billion online in the first half of 2025, 1% less than in the same period last year. This decline is due to falling spending on services (-7%). The total number of online purchases amounted to 168 million (-1%), of which 144 million were product purchases. The number of purchases of services fell by -12%..

How Dutch consumers shopped online in the first half of 2025, in Dutch

 

The answer to stablecoins is wholesale CBDC, not the digital euro

The rise of stablecoins has led to concerns about the role of the euro in the digital age. An editorial comment by Dutch financial newspaper FD calling for the accelerated introduction of the digital euro for consumers lacks economic and practical justification. To counterbalance the arrival of stablecoins, the further development of a so-called wholesale CBDC, digital central bank money for professional counterparties, is a much more obvious solution..

This is why the digital euro is not the answer to stablecoins, in Dutch

 

PCI SSC Community Meeting 2025 focuses on security

Companies and consumers are increasingly targeted by cyberattacks. This has serious implications, such as financial damage, costly investigations, and expenses incurred by financial service providers. Cybercriminals are increasingly using advanced technology, tools, and tactics to commit cyber fraud.

Cybersecurity will be the focus of the upcoming European Community Meeting 2025 of the PCI Security Standards Council: how can you prevent and identify cyber attacks and take action?

The international meeting will take place from October 14 to 16 at the RAI convention centre in Amsterdam. Bernie Collins, strategy analyst in Formula 1, will also speak.

Register for this event

 

About payments

 

 

Also interesting

Accessibility Week, 6 to 12 October	Accessible Banking monitor
See what banks are doing, in Dutch	To SeniorWeb, in Dutch
Well-attended Stakeholder Forum on October 6	October is European Cyber Security Month
Register for next Forum	Learn how to protect your business

 

 

Association news

 

We warmly welcome Caisse d’Epargne Netherlands as a new member of the Payments Association..

The General Members’ Assembly will take place on November 6 at 2:00 p.m. If your organization is a member of the Payments Association, please check whether the contact person within your organization who receives our invitations is still up to date. You can submit new or additional contact persons to secretariaat@betaalvereniging.nl.

 

Agenda

• October 9 – Boardmeeting
• October 14 to 16 – European Community Meeting 2025
• November 6 – General Members’ Assambly
• November 24 to 30 – “Week van Digitaal meedoen”

 

Member Bulletins

In addition to this Betaaljournaal, the Dutch Payments Association issues Member Bulletins. These bulletins usually appear a few times a month and relate to a specific topic. If you are a member and you do not yet receive these bulletins, you can subscribe to the mailing list via secretariaat@betaalvereniging.nl.

 

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