The Royal Bank of Scotland, the European Financial Management Association (EFMA), and Capgemini are the co-authors of the payments report.

The non-profit EFMA encourages research and disseminates knowledge about decision-making in all areas of finance, and is made up of academics, practitioners and students from Europe and the rest of the world interested in the practice of sound financial management techniques. Operating in 40 countries but headquartered in Paris, France, Capgemini is a global consulting firm that emphasizes people-centered approaches through technology.

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