Joseph Harkins

Joseph Harkins


The personal blog of Joseph Harkins, technology entrepreneur

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The personal blog of Joseph Harkins, technology entrepreneur


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SEPA Direct Debit Refund

The recent introduction of SEPA – the Single European Payments Area is an initiative by the EU to simplify Euro bank transfers. Part of SEPA is the ability for creditors to charge individuals bank accounts directly. While this concept isn’t anything new it has brought several improvements to the system and one little known [...]

Joseph HarkinsJoseph Harkins