SUBITE IO

Welcome to Subite IO. This place helps to express some ideas, opinions and experiences... The first step in SEPA was the Euro, the second one was IBAN and SCT/SDD schemes implementation, and I propose the third one is enabling inclusion and mobility. As I stumbled across the article from Lars Markull, "Brief history of IBANs and current Fintech challenges" it stirred up some thinking and ideas I was having in the past. The article is a great source on what exactly IBANs are, but that is irrelevant for the end user.