Corporate and Banking Europe are facing a challenging future regarding SEPA and its spin offs. This fast-changing payments landscape includes new rules and regulations, new market situations in the banking and automatic clearing house (ACH) industry, and new risks. Capgemini’s Payment Service Bureau helps banks and corporates navigate the new landscape by providing an integrated and modular managed service solution which can offer connectivity to any financial institution or ACH; format conversion from and to any format; customised audit and control of your payment process; and cash management solutions.