欧洲的数位付款 (2025年):2028年为止的地区趋势·普及·预测

2025 年，欧洲的数位支付将转变：智慧型手机普及率、非接触式支付普及率和数位钱包将引领潮流。

钱包普及推动欧洲数位支付激增：

预计到 2024 年，欧洲数位支付的渗透率将超过线上支付的 60% 和店内支付的 25%。这一成长是由非接触式选项、智慧型手机普及率和全球数位钱包的采用所推动的。虽然全球钱包继续主导线上支付，但 OEM 钱包主导店内支付，这反映了对快速安全解决方案的需求。

即时支付推动非现金交易的成长：

预计欧洲非现金交易数量将从 2023 年起以超过 10% 的复合年增长率增长，到 2028 年将达到 6,300 亿以上。在 B2B 领域，预计到 2028 年非现金交易总量将达到近 900 亿。虽然到 2023 年卡片支付将占据交易量的 60% 以上，但即时支付仍将是驱动力，这得益于对即时和无缝交易的需求。

随着加密货币持有量的成长，稳定币应运而生：

USDT 和 USDC 等稳定币因其稳定性和在跨境支付中的使用而在欧洲越来越受欢迎。到 2024 年，100 万美元以下的稳定币交易成长速度将是北美的 2.5 倍。此外，该地区约有 5,000 万人持有数位资产，凸显了提供稳定价值和融入电子商务平台的稳定币的吸引力。

本报告研究了欧洲数位支付的趋势，并总结了按类别采用数位钱包的情况、消费者支付行为和支付方式的变化，以及非现金交易数量和价值的趋势和预测。

目录

第1章 管理摘要

第2章 欧洲的数位付款引进趋势

• 重要点:欧洲的数位付款引进趋势
• 数位付款的利用和钱包的引进
  • 使用数位付款的受访者的比例
  • 各类别数位钱包的采用情形:商店内，数位付款用户的比例
  • 各类别数位钱包的采用情形:线上，数位付款用户的比例
  • 各类别数位钱包的采用情形:App内，数位付款用户的比例
• 消费者的付款行动的变化
  • 付款混合:新的付款和传统的付款，交易数量的比例
  • 即时经济的付款方式的使用频率，消费者比例

第3章 欧洲的消费者喜好新的付款方式

• 关键要点：欧洲消费者的偏好与新的支付方式
• 消费者偏好
  • 愿意尝试银行支付线上付款的受访者百分比
  • 为什么银行支付对消费者俱有吸引力（以受访者百分比计算）
  • 在线使用信用卡的主要原因（信用卡用户的百分比）
  • 影响消费者选择线上支付方式偏好的因素
• 引进新的付款方式
  • 加密货币持有者数量
  • 西欧：加密货币支付采用和稳定币使用概述

第4章 欧洲的数位付款的市场成长与未来预测

• 关键要点：欧洲数位支付市场的成长与未来前景
• 西欧零售电子商务的成长及其对支付的影响
  • 电子商务在零售业的占有率（占零售总额的百分比，预测）
  • 零售电子商务销售额（年变动、预测）
• 非现金交易增加
  • 非现金交易总额
  • B2B 非现金交易总额
• 欧洲、中东和非洲支付收入趋势和预测
  • 类型（商业和消费者）划分的支付收入
  • 支付收入占有率
  • 支付收入：2013 年、2018 年、2020-2023 年
  • 全球支付市场成长率及各地区预测
  • 地区划分的支付市场收入占有率预测

Digital Payments in Europe Set for Transformation in 2025: Smartphone Penetration, Contactless Adoption, and Digital Wallets Lead the Way, according to the latest yStats.com report.

Digital Payments Surge in Europe Driven by Wallet Adoption

In 2024, digital payment adoption in Europe exceeded 60% for online transactions and over 25% for in-store payments. The rise was driven by contactless options, smartphone penetration, and the adoption of global digital wallets. Global wallets remained the preferred method for online payments, while OEM wallets led in-store transactions, reflecting the demand for fast and secure solutions.

Instant Payments Propel Non-Cash Transaction Growth

The volume of non-cash transactions in Europe is projected to grow at a CAGR of over +10% from 2023, reaching more than 630 billion transactions by 2028. In the B2B segment, non-cash transactions are expected to total nearly 90 billion by 2028. While card payments dominated in 2023, comprising over 60% of transaction volume, instant payments continued to gain traction, driven by the need for real-time and seamless transactions.

Stablecoins Gain Ground as Crypto Ownership Expands

Stablecoins like USDT and USDC are gaining traction in Europe, fueled by their stability and use in cross-border payments. In 2024, stablecoin transactions below USD 1 million grew 2.5 times faster than in North America. Additionally, nearly 50 million individuals in the region held digital assets, highlighting the appeal of stablecoins for consistent value and their integration into E-Commerce platforms.

Table of Contents

1. Management Summary

2. Digital Payment Adoption Trends in Europe

• 2.1. Key Takeaways - Digital Payment Adoption Trends in Europe
• 2.2. Digital Payment Usage and Wallet Adoption
  • Share of Respondents Using Digital Payments, by Category, in % of Respondents, 2024
  • Digital Wallets Adoption by Category: In-Store, in % of Digital Payment Users, 2024
  • Digital Wallets Adoption by Category: Online, in % of Digital Payment Users, 2024
  • Digital Wallets Adoption by Category: In-App, in % of Digital Payment Users, 2024
• 2.3. Shift in Consumer Payment Behavior
  • Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023
  • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024

3. Consumer Preferences and Emerging Payment Methods in Europe

• 3.1. Key Takeaways - Consumer Preferences and Emerging Payment Methods in Europe
• 3.2. Consumer Preferences
  • Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
  • Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024.
• 3.3. Adoption of Emerging Payment Methods
  • Number of Cryptocurrency Owners, in millions, 2023 & 2024e
  • Western Europe: Overview of Crypto Payment Adoption and Stablecoin Usage, March 2025

4. Market Growth and Future Projections for Digital Payments in Europe

• 4.1. Key Takeaways - Market Growth and Future Projections for Digital Payments in Europe
• 4.2. Retail E-Commerce Growth and Impact on Payments in Western Europe
  • Retail E-Commerce Share, in % of Total Retail Sales, 2022-2028f
  • Retail E-Commerce Sales, in USD billion, in % of Year-on-Year Change, 2022-2028f
• 4.3. Non-Cash Transaction Growth
  • Total Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
  • Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
• 4.4. Payments Revenue Trends and Projections in Europe, Middle East, and Africa
  • Payments Revenue by Type, Commercial & Consumer in %, 2018 & 2023
  • Share of Payment Revenue Value, in %, 2027f
  • Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023
  • Payments Market Growth by Global Region, CAGR (%), 2022 - 2027f
  • Payments Market Revenue Share by Global Region, in %, 2027f