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市场调查报告书
商品编码
1712494

欧洲的数位付款概要 (2025年):付款方式，趋势，引进相关洞察

Europe Digital Payments Overview 2025: Payment Methods, Trends, & Adoption Insights
出版日期: | 出版商: yStats.com | 英文 256 Pages | 商品交期: 最快1-2个工作天内

价格
简介目录

预计2025年欧洲数位支付市场将呈现显着成长。

欧洲数位钱包和行动支付蓬勃发展：

随着智慧型手机的广泛普及以及消费者对安全、便捷支付方式的需求不断增长，数位钱包在欧洲正占据领先地位。在西欧，英国和德国等国家预计到 2024 年将有超过 20% 的消费者每週使用数位钱包。同时，东欧的土耳其将出现强劲成长，预计其数位钱包采用率将从 2017 年的不到 5% 上升到 2023 年的 10% 以上。

银行卡支付仍是主流，但非接触式支付正在兴起：

儘管替代支付方式不断兴起，但卡片仍占据欧洲支付市场的主导地位。随着消费者对快速、安全的支付方式的需求，非接触式支付在德国和法国等国家正日益普及。在东欧，土耳其仍然是一个以卡片为主的市场，2023 年信用卡和金融卡占线上支付的 65%。非接触式卡的使用也稳定成长。

即时支付和银行支付越来越受欢迎：

即时支付正在成为欧洲支付领域的关键特征，以满足消费者对更快交易的需求。银行支付服务在荷兰尤为成长，与银行应用程式的顺利整合推动了每月使用量的成长。二维码支付等行动和即时支付正在西欧和东欧迅速普及。

本报告提供欧洲的数位付款趋势调查，彙整欧洲整体的数位付款的利用模式，欧洲整体的交易规模与付款手法，地区·各主要国家趋势，线上付款的规模，消费者趋势与爱好的分析等资讯。

目录

第1章 重要点

第2章 管理摘要

第3章 地区概要:欧洲的付款趋势

  • 欧洲整体的数位付款利用模式
    • 利用数位付款的受访者的比例
    • 各类别数位钱包引进率(商店内)
    • 各类别数位钱包引进率(线上)
    • 各类别数位钱包引进率(App内)
  • 与欧洲整体的交易数量付款结构
    • 非现金交易的总额
    • B2B非现金交易的总额
    • 付款混合(新的付款和传统的付款)
  • 西欧的即时经济消费者趋势
    • 即时经济中使用支付方式的频率
    • 有意使用银行付款进行线上支付
    • 对消费者有吸引力的银行支付功能
    • 在线使用信用卡的首要原因
    • 影响消费者选择线上支付方式偏好的因素
  • 西欧的电子商务市场概要
    • 零售电子商务的占有率
    • 零售电子商务销售额
    • 网路零售销售额
  • 欧洲·中东·非洲的付款收益趋势
    • 付款收益(各类型，商业·消费者)
    • 付款收益的占有率
    • 付款收益
    • 付款市场的成长率(各地区)
    • 付款市场的收益占有率(各地区)

第4章 西欧的线上付款趋势

  • 英国
  • 法国
  • 德国
  • 西班牙
  • 荷兰
  • 义大利
  • 比利时
  • 瑞典
  • 奥地利
  • 瑞士
  • 丹麦
  • 芬兰
  • 挪威
  • 葡萄牙
  • 爱尔兰

第5章 东欧的线上付款趋势

  • 土耳其
  • 波兰
  • 捷克
  • 匈牙利
  • 希腊
  • 斯洛维尼亚
  • 罗马尼亚
  • 斯洛伐克
  • 塞尔维亚
  • 立陶宛
  • 保加利亚
  • 克罗埃西亚
  • 爱沙尼亚
  • 拉脱维亚

第6章 总论

简介目录
Product Code: 1692

yStats.com Reveals How Digital Payments in Europe Will Experience Significant Growth in 2025, Driven by Innovation in Payment Methods and Shifting Consumer Habits.

Digital Wallets and Mobile Payments Surge in Europe

Digital wallets are taking the lead in Europe, driven by the widespread use of smartphones and growing consumer demand for secure, hassle-free payment options. In Western Europe, countries like the UK and Germany have seen over 20% of consumers use digital wallets weekly in 2024. Meanwhile, in Eastern Europe, Turkey has experienced significant growth, with digital wallet adoption rising from under 5% in 2017 to over 10% in 2023.

Cards Maintain Dominance, Contactless Gains Ground

Even with the rise of alternative payment methods, cards continue to dominate Europe's payment market. Contactless payments have gained momentum in countries like Germany and France, where consumers demand fast and secure options. In Eastern Europe, Turkey remains card-heavy, with credit and debit cards accounting for 65% of online payments in 2023, and the use of contactless cards is steadily increasing.

Instant Payments and Pay by Bank Gaining Popularity

Instant payments are becoming a key feature in Europe's payment landscape, fueled by consumers' desire for faster transactions. Pay by Bank services are growing, particularly in the Netherlands, where monthly usage is strong due to smooth integration with banking apps. In both Western and Eastern Europe, mobile and instant payment methods, like QR code payments in Turkey, are quickly becoming more widespread.

Table of Contents

1. Key Takeaways

2. Management Summary

3. Regional Overview: Europe Payment Trends

  • 3.1. Europe-Wide Digital Payment Usage Patterns
    • 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
  • 3.2. Europe-Wide Transaction Volume and Payment Mix
    • 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
    • Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023
  • 3.3. Instant Economy Consumer Trends in Western Europe
    • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
    • 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.
  • 3.4. Western Europe E-Commerce Market Overview
    • 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
    • Online Retail Sales, in USD billion, 2023 & 2028f
  • 3.5. 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

4. Western Europe Online Payment Trends

  • 4.1. UK
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
    • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
    • Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
    • Important Factors When Trying New Online Payment Methods, in %, 2024
    • Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
    • 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
    • Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024
    • Share of Adults Using Selected Payment Methods for Online Purchases, by Payment Method, in %, 2024
    • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
    • Share of Adults Using Buy Now Pay Later Services, in %, 2022 and 2023
    • Cards Transaction Value, in USD trillion, 2023 & 2027f
    • Total Payments via Faster Payments and Remote Banking, in billions, 2023 & 2033f
    • Total Debit Card Payments, in billions, 2023 & 2033f
    • Contactless Debit and Credit Card Payment Volume, in billions, 2023 & 2033f
    • Bacs Direct Credit Payment Volume, in billions, 2023 & 2033f
    • Direct Debit Payment Volume, in billions, 2023 & 2033f
    • Share of Card Payments (Debit and Credit), in %, 2023 & 2033f
    • Share of Payments Made via Contactless Debit and Credit Cards, in %, 2033f
    • Share of Adults Using Online vs Mobile Banking, in %, 2023
  • 4.2. France
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
    • Share of Online Payment Methods Used by Online Shoppers, in %, 2024
    • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
    • Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
    • Top Reasons for Using a Credit Card Online Among Adults Aged 60+, in % of Respondents, 2024
    • Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024
    • Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
    • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
    • 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
    • Share of Respondents Familiar With Pay by Bank, in % of Respondents, 2024
    • Share of Respondents Who Have Never Used Pay by Bank Online, in %, 2024
    • Share of Adults Somewhat Familiar with Pay by Bank, Aged 18-29 and 60+, in %, 2024
    • Cards Transaction Value, in USD billion, 2024 & 2028f
    • Share of 18-24-Year-Olds Using Contactless Debit Cards, in %, 2023
    • Share of 18-24-Year-Olds Using Mobile Payment Services, in %, 2023
    • E-Commerce Market Value, in EUR billion, 2022 & 2023
  • 4.3. Germany
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
    • E-Commerce Payment Methods by Revenue Share, in %, 2023
    • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
    • Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
    • Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 2024
    • 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
    • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
    • Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
    • Factors Influencing Consumers' Prefrences When Selecting an Online Payment Method, in %, 2024
    • E-Commerce Market Value, in USD billion, 2023 & 2027f
    • Breakdown of Payment Methods by Type, in %, 2023
    • Cards Transaction Value, in USD billion, 2023 & 2027f
    • Breakdown of Card Schemes by Market Share, in %, 2023
  • 4.4. Spain
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
    • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
    • Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
    • Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
    • Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 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
    • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • 4.5. Netherlands
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
    • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
    • Share of Consumers Using Pay by Bank at Least Monthly, in %, 2024
    • Share of Adults Using Pay by Bank Daily or Weekly, Aged 18-29 and 30-39, in %, 2024
    • 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' Pref. When Selecting an Online Payment Method, in %, 2024
    • Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
    • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 4.6. Italy
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
    • Breakdown of Online Transactions by Payment Method, in %, 2023
    • Breakdown of Payment Methods by Type, in %, 2023
    • Share of Consumers Increasing Card Use for Online vs. In-Store Purchases, in %, 2024
    • Breakdown of Gen Z Increasing Card Use for Online and In-Store Purchases, in %, 2024
    • Share of Consumers Preferring Credit or Debit Cards for Tracking Expenses & Convenience, in %, 2024
    • Share of Consumers Preferences for Digital Payments in Italy and Abroad, in %, 2024
    • Share of Millennials Prioritizing Discounts & Benefits Choosing Digital Payment Methods, in %, 2024
    • Share of Consumers Prioritizing Discounts & Benefits in Digital Payments, %, 2024
    • Main Factors for Choosing Digital Payments Over Cash, in %, 2024
    • Breakdown of Card Schemes by Market Share, in %, 2023
    • Cards Transaction Value, in USD billion, 2023 & 2027f
    • E-Commerce Market Value, in USD billion, 2023 & 2027f
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 4.7. Belgium
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • 4.8. Sweden
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • 4.9. Austria
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
    • Share of Respondents Planning to Increase Mobile Payment Use in the Next Two Years, in %, 2023
    • Breakdown of Digital Wallet Usage by Type, in %, 2024
    • Cards Transaction Value, in USD billion, 2024 & 2028f
    • Share of Respondents Using Contactless Debit Cards and Cash, in %, 2020-2023
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 4.10. Switzerland
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
    • Share of Respondents Preferring Digital Payment Providers for Payments, in %, 2023
    • Share of Mobile Payment Usage, by Payment Method, in %, 2021-2024 (Part 1 of 2)
    • Share of Mobile Payment Usage, by Payment Method, in %, 2021-2024 (Part 2 of 2)
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 4.11. Denmark
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • 4.12. Finland
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
    • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
    • Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 2024
    • 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
    • Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 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
    • Share of Respondents Using Contactless Debit Cards as the Most Frequent Paym. Meth., in %, 2023
    • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 4.13. Norway
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • 4.14. Portugal
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • 4.15. Ireland
    • Overview of Online Payment Methods and Consumer Preferences, March 2025
    • Share of Respondents Preferring Digital Payment Providers for Payments, in %, 2023
    • Share of 18-24-Year-Olds Using Mobile Payment Services, in %, 2023
    • Share of 18-24-Year-Olds Using Contactless Debit Cards, in %, 2023

5. Eastern Europe Online Payment Trends

  • 5.1. Turkey
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Payment Methods and Consumer Trends in E-Commerce Overview, April 2025
    • Breakdown of Card Schemes by Market Share, in %, 2023
    • Breakdown of Payment Methods by Type, in %, 2023
  • 5.2. Poland
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2023 & 2027f
    • Share of Payment Methods Used for Online Purchases, by Age, in % Online Shoppers, 2024
    • Share of Payment Methods Used for Online Purchases, by City Size, in % of Online Shoppers, 2024
    • Share of Payment Methods Used for Online Purchases, by Gender, in % of Online Shoppers, 2024
    • Reasons for Choosing Payment Methods for Online Purchases, by Age, in % Online Shoppers, 2024
    • Reasons for Choosing Payment Methods for Online Purchases, by Gender, in % Online Shoppers, 2024
    • Share of Online Payment Method Usage, in % of Internet Users, 2024
    • Share of BLIK Usage Among Young Adults, Aged 15-24 and 25-34, in %, 2024
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.3. Czech Republic
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2023 & 2027f
    • Share of 18-24-Year-Olds Preferring Mobile Wallets (Apple Pay, Google Pay), in %, 2024
    • Preferred Payment Methods, in % of Respondents, 2024
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.4. Hungary
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2023 & 2028f
    • Mobile Payment Adoption Rate, in %, 2022 & 2023
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.5. Greece
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2023 & 2027f
    • Share of Card Transaction Value, by Payment Channel, in %, 2021-2023e
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.6. Slovenia
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
    • Number of Contactless Payment Cards, in millions, 2023 & 2028f
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.7. Romania
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.8. Slovakia
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.9. Serbia
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2024 & 2028f
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.10. Lithuania
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2024 & 2028f
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.11. Bulgaria
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.12. Croatia
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Cards Transaction Value, in USD billion, 2024 & 2028f
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.13. Estonia
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
  • 5.14. Latvia
    • Overview of Online Payment Methods and Consumer Preferences, April 2025
    • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

6. Conclusion