The European Digital Payments Industry Alliance (the EDPIA) represents the interests of independent Payment Services Providers headquartered in Europe. Its purpose is to contribute to EU policy debates that define the business environment for digital payments, and to strengthen the visibility and understanding of the European payments industry amongst policy makers and European society. Our broader objective is to support the EU’s objective to create a Digital Single Market, fuelled by digital payments. We are in favour of a strong, stable and properly enforced European regulatory framework that enables intense competition between transparent and market-based solutions, allowing them to compete for the trust of their European and global clients.