“Single Euro Payments Area (SEPA) – Strategic Value on the High Degree of Interoperability for All Active Participants in the Financial Transaction Market”. Studia Universitatis Vasile Goldiș Arad, Seria Științe Economice 24, no. 1 (March 26, 2014): 1–15. Accessed April 17, 2026. https://publicatii.uvvg.ro/index.php/studiaeconomia/article/view/287.