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市場調查報告書
商品編碼
1712494

歐洲的數位付款概要 (2025年):付款方式，趨勢，引進相關洞察

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個工作天內

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簡介目錄

預計2025年歐洲數位支付市場將呈現顯著成長。

歐洲數位錢包和行動支付蓬勃發展：

隨著智慧型手機的廣泛普及以及消費者對安全、便捷支付方式的需求不斷增長，數位錢包在歐洲正佔據領先地位。在西歐，英國和德國等國家預計到 2024 年將有超過 20% 的消費者每週使用數位錢包。同時，東歐的土耳其將出現強勁成長，預計其數位錢包採用率將從 2017 年的不到 5% 上升到 2023 年的 10% 以上。

銀行卡支付仍是主流，但非接觸式支付正在興起：

儘管替代支付方式不斷興起，但卡片仍佔據歐洲支付市場的主導地位。隨著消費者對快速、安全的支付方式的需求，非接觸式支付在德國和法國等國家正日益普及。在東歐，土耳其仍然是一個以卡片為主的市場，2023 年信用卡和金融卡佔線上支付的 65%。非接觸式卡的使用也穩定成長。

即時支付和銀行支付越來越受歡迎：

即時支付正在成為歐洲支付領域的關鍵特徵，以滿足消費者對更快交易的需求。銀行支付服務在荷蘭尤為成長，與銀行應用程式的順利整合推動了每月使用量的成長。二維碼支付等行動和即時支付正在西歐和東歐迅速普及。

本報告提供歐洲的數位付款趨勢調查，彙整歐洲整體的數位付款的利用模式，歐洲整體的交易規模與付款手法，地區·各主要國家趨勢，線上付款的規模，消費者趨勢與愛好的分析等資訊。

目錄

第1章 重要點

第2章 管理摘要

第3章 地區概要:歐洲的付款趨勢

  • 歐洲整體的數位付款利用模式
    • 利用數位付款的受訪者的比例
    • 各類別數位錢包引進率(商店內)
    • 各類別數位錢包引進率(線上)
    • 各類別數位錢包引進率(App內)
  • 與歐洲整體的交易數量付款結構
    • 非現金交易的總額
    • B2B非現金交易的總額
    • 付款混合(新的付款和傳統的付款)
  • 西歐的即時經濟消費者趨勢
    • 即時經濟中使用支付方式的頻率
    • 有意使用銀行付款進行線上支付
    • 對消費者有吸引力的銀行支付功能
    • 在線使用信用卡的首要原因
    • 影響消費者選擇線上支付方式偏好的因素
  • 西歐的電子商務市場概要
    • 零售電子商務的佔有率
    • 零售電子商務銷售額
    • 網路零售銷售額
  • 歐洲·中東·非洲的付款收益趨勢
    • 付款收益(各類型，商業·消費者)
    • 付款收益的佔有率
    • 付款收益
    • 付款市場的成長率(各地區)
    • 付款市場的收益佔有率(各地區)

第4章 西歐的線上付款趨勢

  • 英國
  • 法國
  • 德國
  • 西班牙
  • 荷蘭
  • 義大利
  • 比利時
  • 瑞典
  • 奧地利
  • 瑞士
  • 丹麥
  • 芬蘭
  • 挪威
  • 葡萄牙
  • 愛爾蘭

第5章 東歐的線上付款趨勢

  • 土耳其
  • 波蘭
  • 捷克
  • 匈牙利
  • 希臘
  • 斯洛維尼亞
  • 羅馬尼亞
  • 斯洛伐克
  • 塞爾維亞
  • 立陶宛
  • 保加利亞
  • 克羅埃西亞
  • 愛沙尼亞
  • 拉脫維亞

第6章 總論

簡介目錄
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