A theory is by definition testable; in fact, a theory has, by definition, been tested and passed every empirical test that has been thrown at it. A hypothesis may not be testable, and I think that is what you are really getting at.athematicians also do not prove theories, but theorems, which are a completely different thing. Correct terminology makes all the difference here. An unfalsifiable theory (prediction of observable future behavior) is an oxymoron (we either observe the predicted behavior or not).
Single Euro Payments Area (SEPA) The creation of the Single Euro Payments Area (SEPA) is an EU public authoritiesâ integration initiative in the area of electronic euro payments. The SEPA zone comprises 34 countries, including Switzerland and Liechtenstein.
SEPA guarantees that euro payments are received within a guaranteed time, and banks are not allowed to make any deductions of the amount transferred, introduced by a regulation in year 2001. Banks and payment institutions still have the option of charging a credit-transfer fee of their choice for euro transfers if it is charged uniformly to all EEA participants, banks or payment institutions, domestic or foreign.