Direct debit mandates really are the ugly stepchild of @EPC_SEPA payments. No digital authorization standard, no mandate tokens, no standardized creditor registry.pic.twitter.com/4ZWWFCoD6z
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The major flaw is 8.5.1 "If the Debtor bank has integrated eMandates mobile in its mobile banking app, the Debtor is offered the option, on a ‘landing page’, to open the app or approve the eMandate via the (mobile) web page" No Dutch bank implemented this yet...
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