However , handling dual processes for a longer period would be expensive for both the banking industry and its customers , as documented in the Eurosystem 's 5th Progress Report , in the study by the ECB on « The economic impact of the Single Euro Payment Area » 11 , and in the study by Capgemini commissioned by the European Commission entitled « SEPA : potential benefits at stake » 12 .
muksessa « The economic impact of the Single Euro Payment Area » 11 sekä Capgeminin Euroopan komission toimeksiannosta toteuttamassa tutkimuksessa « SEPA : potential benefits at stake " 12 .