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REGULATION 2560/2001 ON CROSS-BORDER PAYMENTS IN EUROPE TABLE OF CONTENTS Introduction 2 Arguments for and against 3 The case for the regulation 3 The case against the regulation 4 Implementation in the context of general EU governance 6 Technical aspects 8 Rivalry in the payment industry 12 Economic background 13 Conclusion 15 References 18 Appendix A - The regulation in full text 21 Appendix B - Teamwork 25 Appendix C - Statement on grading 25 INTRODUCTION The widely acknowledged aim of the European Union is to ensure increasing integration between its member states. The most important field on which integration takes place is the economy. In the treaties of Maastricht 1992, a milestone in economic integration was brought on its way; the euro. When it was introduced as book money in 1999 and when it replaced national coins and banknotes in 2002, experts and politicians were expecting a huge leap forward in the integration process. While the full effects still are difficult to assess, there is also agreement that other factors and obstacles to the free flow of capital must be removed...

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