Payment services evolution: from the European Directive of 2007 to the Digital Single Market and the European Directive of 2015 - Journal of European Consumer and Market Law View Payment services evolution: from the European Directive of 2007 to the Digital Single Market and the European Directive of 2015 by - Journal of European Consumer and Market Law Payment services evolution: from the European Directive of 2007 to the Digital Single Market and the European Directive of 2015 5 5 Journal of European Consumer and Market Law