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The SEPA Instant Credit Transfer scheme was launched in November 2017, and more and more payment service providers are joining up and offering instant payment services to their customers. The ECB supports the development of instant payments as a basis for further innovation in the retail payments market. This presentation will cover the current state of play of instant payments in Europe, focusing in particular on the development of innovative end-user solutions for various use cases. It will address the benefits such solutions could have for end-users and the potential impact on their payment behaviour.