波黑《萨拉热窝时报》2月24日报道。为配合波黑加入单一欧元支付区（SEPA），塞族 共和国需通过新的《支付服务法》并制定现金实物转移条例。目前相关法律草案已进 入议会程序，现金转移条例也在制定中，尚需就投资金条入境规定进行协调。 SEPA覆盖包括欧盟成员国在内的41个国家，旨在实现统一的欧元支付体系，目前 波黑是周边国家中唯一尚未加入该区域的国家。（驻波黑使馆经商处） （原标题：波黑塞族共和国积极履行单一欧元支付区准入条件） 东萨拉热窝大学经济学院教授马尔科·焦戈表示，加入SEPA将向投资者释放积极信 号，降低企业使用欧元支付的成本，并有助于规范侨汇的灰色资金流。波黑央行行长 塞利莫维奇表示，波黑已于2025年12月提交加入SEPA的预申请，预计2026年第一季度 将提交正式申请。 ...

Group 1 - The number of internet and mobile banking users in Bosnia has exceeded 1.77 million, with digital transaction volume growing over 35% in the past two years, indicating increasing public acceptance and trust in online financial services [1] - There are 22 banks in Bosnia providing electronic banking services, covering a total of 1.77 million entities, including 136,100 legal entities and 1,634,100 natural persons [1] - The Central Bank of Bosnia views the development of online and mobile banking as a crucial part of modernizing the payment system and digitizing the financial sector, with plans to implement an instant payment system for faster and more efficient electronic transactions [1] Group 2 - A strategic focus for the Central Bank of Bosnia is to integrate Bosnia into the SEPA (Single Euro Payments Area), which involves aligning legislative frameworks with European standards and training relevant participants on SEPA rules [2] - Currently, 44% of payment instructions are initiated electronically, while 56% are still conducted physically, despite electronic transactions accounting for 55% of total transaction value [2] - The Central Bank will continue to drive the development of the digital financial ecosystem, focusing on enhancing payment infrastructure, aligning with European standards, and promoting financial and digital literacy [2]