{"id":13985,"date":"2024-04-12T14:44:45","date_gmt":"2024-04-12T12:44:45","guid":{"rendered":"https:\/\/gini.net\/?post_type=whitepaper&#038;p=13985"},"modified":"2024-10-25T16:47:09","modified_gmt":"2024-10-25T14:47:09","slug":"whitepaper-sepa-request-to-pay-in-e-commerce","status":"publish","type":"whitepaper","link":"https:\/\/gini.net\/en\/whitepaper\/whitepaper-sepa-request-to-pay-in-e-commerce\/","title":{"rendered":"Whitepaper: SEPA request-to-pay in e-commerce"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling whitepaper-post-hero\" style=\"--awb-background-position:right center;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-min-height:600px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-flex-end fusion-flex-content-wrap\" style=\"max-width:calc( 1140px + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column whitepaper-post-hero-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/gini.net\/wp-content\/uploads\/R2P-ECommerce-Whitepaper-1.png\" data-bg=\"https:\/\/gini.net\/wp-content\/uploads\/R2P-ECommerce-Whitepaper-1.png\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-flex-end fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:calc( 100% + 0px ) !important;max-width:calc( 100% + 0px ) !important;margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-flex-align-self-stretch whitepaper-post-hero-content\" style=\"--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-margin-bottom-medium:0;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-margin-bottom-small:0;--awb-spacing-left-small:0px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-form fusion-form-builder fusion-form-form-wrapper fusion-form-14019\" style=\"--awb-tooltip-text-color:#ffffff;--awb-tooltip-background-color:#333333;--awb-field-margin-top:12px;--awb-field-margin-bottom:12px;\" data-form-id=\"14019\" data-config=\"{&quot;form_id&quot;:14019,&quot;form_post_id&quot;:14019,&quot;post_id&quot;:13985,&quot;form_type&quot;:&quot;ajax&quot;,&quot;confirmation_type&quot;:&quot;redirect&quot;,&quot;redirect_url&quot;:&quot;https:\\\/\\\/gini.net\\\/whitepaper\\\/vielen-dank-whitepaper-r2p-ecommerce\\\/&quot;,&quot;redirect_timeout&quot;:&quot;0&quot;,&quot;field_labels&quot;:{&quot;vorname&quot;:&quot;First Name&quot;,&quot;firma&quot;:&quot;Company&quot;,&quot;nachname&quot;:&quot;Surname&quot;,&quot;email&quot;:&quot;E-Mail&quot;,&quot;consent&quot;:&quot;&quot;,&quot;api_marketing_consent&quot;:&quot;&quot;},&quot;field_logics&quot;:{&quot;vorname&quot;:&quot;&quot;,&quot;firma&quot;:&quot;&quot;,&quot;nachname&quot;:&quot;&quot;,&quot;email&quot;:&quot;&quot;,&quot;consent&quot;:&quot;&quot;,&quot;api_marketing_consent&quot;:&quot;&quot;,&quot;submit_1&quot;:&quot;&quot;},&quot;field_types&quot;:{&quot;vorname&quot;:&quot;text&quot;,&quot;firma&quot;:&quot;text&quot;,&quot;nachname&quot;:&quot;text&quot;,&quot;email&quot;:&quot;email&quot;,&quot;consent&quot;:&quot;checkbox&quot;,&quot;api_marketing_consent&quot;:&quot;checkbox&quot;,&quot;hy_email&quot;:&quot;honeypot&quot;,&quot;submit_1&quot;:&quot;submit&quot;},&quot;nonce_method&quot;:&quot;ajax&quot;,&quot;form_views&quot;:&quot;ajax&quot;,&quot;form_views_counting&quot;:&quot;all&quot;}\"><form action=\"https:\/\/gini.net\/en\/whitepaper\/whitepaper-sepa-request-to-pay-in-e-commerce\/\" target=\"_self\" method=\"post\" class=\"fusion-form fusion-form-14019\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:0px;--awb-padding-left:0px;--awb-padding-right-medium:0px;--awb-padding-left-medium:0px;--awb-padding-right-small:0px;--awb-padding-left-small:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:calc( 100% + 24px ) !important;max-width:calc( 100% + 24px ) !important;margin-left: calc(-24px \/ 2 );margin-right: calc(-24px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:12px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:12px;--awb-width-medium:50%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:12px;--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-form-field fusion-form-text-field fusion-form-label-above\" style=\"\" data-form-id=\"14019\"><div class=\"fusion-form-label-wrapper\"><label for=\"vorname\">First Name <abbr class=\"fusion-form-element-required\" title=\"required\">*<\/abbr><\/label><\/div><input type=\"text\" autocomplete=\"off\" tabindex=\"1\" name=\"vorname\" id=\"vorname\" value=\"\"  class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" placeholder=\"Enter first names *\" data-holds-private-data=\"false\" minlength=\"2\"\/><\/div><div class=\"fusion-form-field fusion-form-text-field fusion-form-label-above\" style=\"\" data-form-id=\"14019\"><div class=\"fusion-form-label-wrapper\"><label for=\"firma\">Company <abbr class=\"fusion-form-element-required\" title=\"required\">*<\/abbr><\/label><\/div><input type=\"text\" autocomplete=\"off\" tabindex=\"3\" name=\"firma\" id=\"firma\" value=\"\"  class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" placeholder=\"Enter Company Name *\" data-holds-private-data=\"false\" minlength=\"1\"\/><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:12px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:12px;--awb-width-medium:50%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:12px;--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-form-field fusion-form-text-field fusion-form-label-above\" style=\"\" data-form-id=\"14019\"><div class=\"fusion-form-label-wrapper\"><label for=\"nachname\">Surname <abbr class=\"fusion-form-element-required\" title=\"required\">*<\/abbr><\/label><\/div><input type=\"text\" autocomplete=\"off\" tabindex=\"2\" name=\"nachname\" id=\"nachname\" value=\"\"  class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" placeholder=\"Enter Surname *\" data-holds-private-data=\"false\" minlength=\"2\"\/><\/div><div class=\"fusion-form-field fusion-form-email-field fusion-form-label-above\" style=\"\" data-form-id=\"14019\"><div class=\"fusion-form-label-wrapper\"><label for=\"email\">E-Mail <abbr class=\"fusion-form-element-required\" title=\"required\">*<\/abbr><\/label><\/div><input type=\"email\" autocomplete=\"off\" tabindex=\"4\" name=\"email\" id=\"email\" value=\"\"  class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" placeholder=\"Enter E-Mail *\" data-holds-private-data=\"false\"\/><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:12px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:12px;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:12px;--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-form-field fusion-form-checkbox-field fusion-form-label-above form-checkbox-hidden\" style=\"\" data-form-id=\"14019\"><fieldset><div class=\"fusion-form-checkbox\"><input tabindex=\"5\" id=\"checkbox-consent-1-0\" type=\"checkbox\" value=\"true\" name=\"consent[]\" class=\"fusion-form-input\" required=\"true\" aria-required=\"true\" data-holds-private-data=\"false\"\/><label for=\"checkbox-consent-1-0\">By submitting, I agree to the electronic collection, use, and storage of my data to process my request. Reference is made to the <a href=\"https:\/\/gini.net\/en\/privacy-policy\/\" target=\"_blank\">privacy policy<\/a>.<\/label><\/div><\/fieldset><\/div><div class=\"fusion-form-field fusion-form-checkbox-field fusion-form-label-above\" style=\"\" data-form-id=\"14019\"><fieldset><div class=\"fusion-form-checkbox\"><input tabindex=\"6\" id=\"checkbox-api_marketing_consent-2-0\" type=\"checkbox\" value=\"true\" name=\"api_marketing_consent[]\" class=\"fusion-form-input\" data-holds-private-data=\"false\"\/><label for=\"checkbox-api_marketing_consent-2-0\">I agree to receive a newsletter with the latest product information and updates.<\/label><\/div><\/fieldset><\/div><div class=\"fusion-form-field fusion-form-honeypot-field fusion-form-label-above\" style=\"\" data-form-id=\"14019\"><input type=\"hidden\" tabindex=\"-1\" name=\"hy_email\" class=\"fusion-form-input\" autocomplete=\"hypot-6ab252acdf23c\" aria-hidden=\"true\" data-fusion-is-honeypot=\"true\"><\/div><div class=\"fusion-form-field fusion-form-submit-field fusion-form-label-above button-colored\" style=\"\" data-form-id=\"14019\"><div ><button type=\"submit\" class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span button-colored button-default form-form-submit\" data-form-number=\"14019\" tabindex=\"\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Download whitepaper<\/span><\/button><\/div><\/div><\/div><\/div><\/div><\/div><\/form><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling margin-bottom-128-short\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:calc( 1140px + 24px );margin-left: calc(-24px \/ 2 );margin-right: calc(-24px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:12px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:12px;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:12px;--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_2 1_2 fusion-flex-column box-colored\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:calc( 0.08 * calc( 100% - 24px ) );--awb-margin-bottom-large:20px;--awb-spacing-left-large:12px;--awb-width-medium:50%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:calc( 0.08 * calc( 100% - 24px ) );--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\" style=\"--awb-text-color:var(--awb-color1);\"><p><strong>Progressive and intuitive: SEPA Request-to-pay promises to be the future of digital payment transactions. This will create a clear advantage over traditional bank transfers and third-party providers will also be replaced by the SEPA Request-to-pay payment initiation in online payment transactions in the future.<\/strong><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:12px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:calc( 0.08 * calc( 100% - 24px ) );--awb-width-medium:50%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:12px;--awb-spacing-left-medium:calc( 0.08 * calc( 100% - 24px ) );--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"2339\" height=\"1654\" alt=\"Gini R2P\" title=\"GINI request to pay (1) (1) (1) 1\" src=\"https:\/\/gini.net\/wp-content\/uploads\/GINI-request-to-pay-1-3-1.png\" data-orig-src=\"https:\/\/gini.net\/wp-content\/uploads\/GINI-request-to-pay-1-3-1.png\" class=\"lazyload img-responsive wp-image-13843\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272339%27%20height%3D%271654%27%20viewBox%3D%270%200%202339%201654%27%3E%3Crect%20width%3D%272339%27%20height%3D%271654%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/gini.net\/wp-content\/uploads\/GINI-request-to-pay-1-3-1-200x141.png 200w, https:\/\/gini.net\/wp-content\/uploads\/GINI-request-to-pay-1-3-1-400x283.png 400w, https:\/\/gini.net\/wp-content\/uploads\/GINI-request-to-pay-1-3-1-600x424.png 600w, https:\/\/gini.net\/wp-content\/uploads\/GINI-request-to-pay-1-3-1-800x566.png 800w, https:\/\/gini.net\/wp-content\/uploads\/GINI-request-to-pay-1-3-1-1200x849.png 1200w, https:\/\/gini.net\/wp-content\/uploads\/GINI-request-to-pay-1-3-1.png 2339w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 767px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:calc( 1140px + 24px );margin-left: calc(-24px \/ 2 );margin-right: calc(-24px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:calc( 0.04 * calc( 100% - 24px ) );--awb-margin-bottom-large:20px;--awb-spacing-left-large:12px;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:calc( 0.04 * calc( 100% - 24px ) );--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:48;line-height:1.08;\">Request-to-pay in e-commerce<\/h2><\/div><div class=\"fusion-text fusion-text-2\"><p>We take a closer look at why modern banking needs new payment initiation schemes such as SEPA request-to-pay and how e-commerce can benefit from them in the future.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling column-bottom-96-short\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:calc( 1140px + 24px );margin-left: calc(-24px \/ 2 );margin-right: calc(-24px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:12px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:12px;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:12px;--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-five h5-colored\" style=\"--awb-margin-top:0px;--awb-margin-bottom:36px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.4;\">More whitepaper<\/h5><\/div><div class=\"fusion-post-cards fusion-post-cards-1 fusion-grid-archive fusion-grid-columns-3\" style=\"--awb-dots-align:center;--awb-columns:3;--awb-active-filter-border-size:3px;--awb-filters-height:36px;\" data-post-type-label=\"whitepapers\"><ul class=\"fusion-grid fusion-grid-3 fusion-flex-align-items-flex-start fusion-grid-posts-cards\"><li class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion-flex-column post-card fusion-grid-column fusion-post-cards-grid-column\" style=\"--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-flex-grow-small:;--awb-flex-shrink-small:;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-margin-bottom:36px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-zoomin\" style=\"border-radius:15px;\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/gini.net\/en\/whitepaper\/case-study-atruvia-gini-pay-photo-payment\/\" target=\"_self\" aria-label=\"Case Study (1)\"><img decoding=\"async\" width=\"900\" height=\"500\" src=\"https:\/\/gini.net\/wp-content\/uploads\/Case-Study-1.png\" data-orig-src=\"https:\/\/gini.net\/wp-content\/uploads\/Case-Study-1.png\" alt class=\"lazyload img-responsive wp-image-19857\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27900%27%20height%3D%27500%27%20viewBox%3D%270%200%20900%20500%27%3E%3Crect%20width%3D%27900%27%20height%3D%27500%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/gini.net\/wp-content\/uploads\/Case-Study-1-200x111.png 200w, https:\/\/gini.net\/wp-content\/uploads\/Case-Study-1-400x222.png 400w, https:\/\/gini.net\/wp-content\/uploads\/Case-Study-1-600x333.png 600w, https:\/\/gini.net\/wp-content\/uploads\/Case-Study-1-800x444.png 800w, https:\/\/gini.net\/wp-content\/uploads\/Case-Study-1.png 900w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 767px) 100vw, 900px\" \/><\/a><\/span><\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top:0px;--awb-margin-bottom:4px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;--awb-font-size:26px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:26;--minFontSize:26;line-height:1.3;\"><a href=\"https:\/\/gini.net\/en\/whitepaper\/case-study-atruvia-gini-pay-photo-payment\/\" class=\"awb-custom-text-color awb-custom-text-hover-color\" target=\"_self\">Case Study: Atruvia &#038; Gini Pay Photo Payment<\/a><\/h2><\/div><\/div><\/li>\n<li class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion-flex-column post-card fusion-grid-column fusion-post-cards-grid-column\" style=\"--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-flex-grow-small:;--awb-flex-shrink-small:;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-margin-bottom:36px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-zoomin\" style=\"border-radius:15px;\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/gini.net\/en\/whitepaper\/casestudy-bank-austria\/\" target=\"_self\" aria-label=\"Sag mal, Gini&#8230; (6)\"><img decoding=\"async\" width=\"900\" height=\"500\" src=\"https:\/\/gini.net\/wp-content\/uploads\/Sag-mal-Gini.-6.png\" data-orig-src=\"https:\/\/gini.net\/wp-content\/uploads\/Sag-mal-Gini.-6.png\" alt class=\"lazyload img-responsive wp-image-14127\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27900%27%20height%3D%27500%27%20viewBox%3D%270%200%20900%20500%27%3E%3Crect%20width%3D%27900%27%20height%3D%27500%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/gini.net\/wp-content\/uploads\/Sag-mal-Gini.-6-200x111.png 200w, https:\/\/gini.net\/wp-content\/uploads\/Sag-mal-Gini.-6-400x222.png 400w, https:\/\/gini.net\/wp-content\/uploads\/Sag-mal-Gini.-6-600x333.png 600w, https:\/\/gini.net\/wp-content\/uploads\/Sag-mal-Gini.-6-800x444.png 800w, https:\/\/gini.net\/wp-content\/uploads\/Sag-mal-Gini.-6.png 900w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 767px) 100vw, 900px\" \/><\/a><\/span><\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top:0px;--awb-margin-bottom:4px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;--awb-font-size:26px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:26;--minFontSize:26;line-height:1.3;\"><a href=\"https:\/\/gini.net\/en\/whitepaper\/casestudy-bank-austria\/\" class=\"awb-custom-text-color awb-custom-text-hover-color\" target=\"_self\">Casestudy: UniCredit Bank Austria<\/a><\/h2><\/div><\/div><\/li>\n<li class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion-flex-column post-card fusion-grid-column fusion-post-cards-grid-column\" style=\"--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-flex-grow-small:;--awb-flex-shrink-small:;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-margin-bottom:36px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-zoomin\" style=\"border-radius:15px;\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/gini.net\/en\/whitepaper\/healthinsurance-customer-relationships\/\" target=\"_self\" aria-label=\"Insurance\"><img decoding=\"async\" width=\"900\" height=\"500\" alt=\"Kundenbeziehungen in Krankenversicherungen\" src=\"https:\/\/gini.net\/wp-content\/uploads\/Insurance.png\" data-orig-src=\"https:\/\/gini.net\/wp-content\/uploads\/Insurance.png\" class=\"lazyload img-responsive wp-image-13907\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27900%27%20height%3D%27500%27%20viewBox%3D%270%200%20900%20500%27%3E%3Crect%20width%3D%27900%27%20height%3D%27500%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/gini.net\/wp-content\/uploads\/Insurance-200x111.png 200w, https:\/\/gini.net\/wp-content\/uploads\/Insurance-400x222.png 400w, https:\/\/gini.net\/wp-content\/uploads\/Insurance-600x333.png 600w, https:\/\/gini.net\/wp-content\/uploads\/Insurance-800x444.png 800w, https:\/\/gini.net\/wp-content\/uploads\/Insurance.png 900w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 767px) 100vw, 900px\" \/><\/a><\/span><\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top:0px;--awb-margin-bottom:4px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;--awb-font-size:26px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:26;--minFontSize:26;line-height:1.3;\"><a href=\"https:\/\/gini.net\/en\/whitepaper\/healthinsurance-customer-relationships\/\" class=\"awb-custom-text-color awb-custom-text-hover-color\" target=\"_self\">Whitepaper: How health insurers can save their customer relationships<\/a><\/h2><\/div><\/div><\/li>\n<\/ul><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling container-contact\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:calc( 1140px + 24px );margin-left: calc(-24px \/ 2 );margin-right: calc(-24px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:12px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:12px;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:12px;--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-five h5-colored\" style=\"--awb-margin-top:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.4;\">Get in Touch<\/h5><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-stretch\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:calc( 0.12 * calc( 100% - 24px ) );--awb-margin-bottom-large:20px;--awb-spacing-left-large:12px;--awb-width-medium:50%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:calc( 0.12 * calc( 100% - 24px ) );--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:48;line-height:1.08;\">Use Gini&#8217;s products for your applications.<\/h2><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-stretch\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:12px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:calc( 0.12 * calc( 100% - 24px ) );--awb-width-medium:50%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:12px;--awb-spacing-left-medium:calc( 0.12 * calc( 100% - 24px ) );--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><ul style=\"--awb-iconcolor:var(--awb-color1);--awb-textcolor:var(--awb-color1);--awb-line-height:27.2px;--awb-icon-width:27.2px;--awb-icon-height:27.2px;--awb-icon-margin:11.2px;--awb-content-margin:38.4px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle far\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Real-time data extraction<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle far\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Real-time data validation<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle far\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Leading AI technology<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle far\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Easy integration<\/div><\/li><\/ul><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:12px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:12px;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:12px;--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-form fusion-form-builder fusion-form-form-wrapper fusion-form-913\" style=\"--awb-tooltip-text-color:#ffffff;--awb-tooltip-background-color:#333333;\" data-form-id=\"913\" data-config=\"{&quot;form_id&quot;:913,&quot;form_post_id&quot;:913,&quot;post_id&quot;:13985,&quot;form_type&quot;:&quot;ajax&quot;,&quot;confirmation_type&quot;:&quot;message&quot;,&quot;redirect_url&quot;:&quot;&quot;,&quot;redirect_timeout&quot;:&quot;0&quot;,&quot;field_labels&quot;:{&quot;api_sales_consent&quot;:&quot;&quot;,&quot;email&quot;:&quot;&quot;},&quot;field_logics&quot;:{&quot;api_sales_consent&quot;:&quot;&quot;,&quot;email&quot;:&quot;&quot;,&quot;submit_2&quot;:&quot;&quot;,&quot;notice_1&quot;:&quot;&quot;},&quot;field_types&quot;:{&quot;api_sales_consent&quot;:&quot;checkbox&quot;,&quot;email_hp&quot;:&quot;honeypot&quot;,&quot;email&quot;:&quot;email&quot;,&quot;hypot_field&quot;:&quot;honeypot&quot;,&quot;submit_2&quot;:&quot;submit&quot;,&quot;notice_1&quot;:&quot;notice&quot;},&quot;nonce_method&quot;:&quot;ajax&quot;,&quot;form_views&quot;:&quot;ajax&quot;,&quot;form_views_counting&quot;:&quot;all&quot;}\"><form action=\"https:\/\/gini.net\/en\/whitepaper\/whitepaper-sepa-request-to-pay-in-e-commerce\/\" target=\"_self\" method=\"post\" class=\"fusion-form fusion-form-913\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling simple-form-wrapper form-small\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:0px;--awb-padding-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:calc( 100% + 24px ) !important;max-width:calc( 100% + 24px ) !important;margin-left: calc(-24px \/ 2 );margin-right: calc(-24px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:12px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:12px;--awb-width-medium:50%;--awb-order-medium:0;--awb-flex-grow-medium:;--awb-flex-shrink-medium:;--awb-spacing-right-medium:12px;--awb-spacing-left-medium:12px;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:;--awb-flex-shrink-small:;--awb-spacing-right-small:12px;--awb-spacing-left-small:12px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div id=\"simple-contact-acceptance\" class=\"fusion-form-field fusion-form-checkbox-field fusion-form-label-above form-checkbox-hidden\" style=\"\" data-form-id=\"913\"><fieldset><div class=\"fusion-form-checkbox\"><input tabindex=\"\" id=\"checkbox-api_sales_consent-3-0\" type=\"checkbox\" value=\"true\" name=\"api_sales_consent[]\" class=\"fusion-form-input\" checked  data-holds-private-data=\"false\"\/><label for=\"checkbox-api_sales_consent-3-0\">By submitting, I agree to the electronic collection, use, and storage of my data to process my request. 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please try again later.<\/div><\/div><\/div><\/div><\/div><\/div><\/form><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We take a closer look at why modern banking needs new payment initiation schemes such as SEPA request-to-pay and how e-commerce can benefit from them in the future. <\/p>\n","protected":false},"author":21,"featured_media":13898,"menu_order":0,"template":"single-whitepaper.php","meta":{"inline_featured_image":false,"footnotes":""},"categories":[173],"tags":[177],"class_list":["post-13985","whitepaper","type-whitepaper","status-publish","has-post-thumbnail","hentry","category-whitepaper","tag-ecommerce"],"_links":{"self":[{"href":"https:\/\/gini.net\/en\/wp-json\/wp\/v2\/whitepaper\/13985","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gini.net\/en\/wp-json\/wp\/v2\/whitepaper"}],"about":[{"href":"https:\/\/gini.net\/en\/wp-json\/wp\/v2\/types\/whitepaper"}],"author":[{"embeddable":true,"href":"https:\/\/gini.net\/en\/wp-json\/wp\/v2\/users\/21"}],"version-history":[{"count":0,"href":"https:\/\/gini.net\/en\/wp-json\/wp\/v2\/whitepaper\/13985\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gini.net\/en\/wp-json\/wp\/v2\/media\/13898"}],"wp:attachment":[{"href":"https:\/\/gini.net\/en\/wp-json\/wp\/v2\/media?parent=13985"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gini.net\/en\/wp-json\/wp\/v2\/categories?post=13985"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gini.net\/en\/wp-json\/wp\/v2\/tags?post=13985"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}