Europe Synopsis and Info

European Digital and Card Payment Yearbook

In order to understand the progress of payments in Europe, it is necessary to know the history, development and direction of each domestic market. The European Digital & Card Payment Yearbook provides historical background, a clear analysis of the current marketplace and focussed detail on trends, initiatives and growth areas to enable the reader to fully comprehend each country now, in the future and the past.

Additionally, the European Regional Overview report brings together all the comparable data from the individual country reports, complementing them by comparing and contrasting the different markets and their evolutionary payments journey

The core of the European Digital & Card Payment Yearbook is the series of profiles of the payments market of the European countries by individual country.

Published annually with updated statistical data and informed commentary, 33 countries of Europe are described in individual reports covering:

  • A market overview and key statistics
  • Banking sector structure, the main banks, their history, size and ownership. Cross-border banking groups and digital challenger banks
  • Internet and mobile banking, including piloted and newly launched apps
  • PSD2 and Open Banking
  • Account-based and advanced payment services covering the breakdown of cashless payments and the availability of online/mobile wallets
  • Digital wallets
  • Biometrics
  • Blockchain and Cryptocurrencies
  • The European Payment Initiative (EPI)
  • Card types and brands in issue including contactless
  • Domestic schemes
  • Number of cards and card usage by number and value
  • Five years data (2017-2021), y-o-y and CAGR 5Y growth rates for all figures
  • NEW for 2023 - Forecasting column in all major tables
  • E-money
  • Major card issuers, network service providers (NSPs), processors and PSPs
  • Acquiring and acceptance including key acquirers, ATM and POS terminal numbers
  • New infrastructure developments
  • Use of terminals data and KPI’s such as terminals per capita and average transaction values (ATV)
  • Internet use and e-commerce spend
  • Remote internet and mobile payments
  • Mobile subscribers and mobile payments including QR-based
  • Mobile payment initiatives
  • Card fraud
  • Consumer finance
  • Private label cards
  • Banking sector and card business background including M&As, former initiatives and historic context.

    The European Regional Overview has been improved and expanded for 2023 to cover six important areas in easy to read, informative chapters. Each chapter also includes many data tables with 2017-2021 figures, y-o-y growth (2020/2021) and 5 year CAGR. Maps and charts are also used to make the Overview interesting and explanatory.

    The six chapters are:

    About Payments in Europe - introducing overview about payments in Europe with the following contents:

    • The digital economy, cash and card payment ecosystems
    • Regulators’ view, consumer demands, merchant demands
    • Legal framework for payment services in Europe
    • From PSD2 to regulatory technical standards and SEPA
    • payment instruments
    • Competing payment ecosystems in Europe
    • Classification of cashless payment services in Europe
    • Types of payment service providers in Europe
    • Online and mobile payments in Europe
    • Payment Fraud in Europe
    • Digital Payment Infrastructure and Transformation


    Card Payment Ecosystem in Europe -   analysis of the card payment business covering:

    • Card payment services and service providers
    • Card issuers, card acquirers, card processors, others …
    • International card schemes
    • Domestic card scheme transformation
    • Interchange fee arrangements
    • Digitalisation of card payments
    • Card fraud in Europe
    • Card Payment Service Trends


    Open Banking Payment Ecosystem  - analysis of the card-less payment business, including:

    • About Open Banking in Europe
    • Card-less payment services and providers
    • Payment initiation service workflow
    • Account information service workflow
    • Digital Payment Fraud
    • Open Banking payment service trends
    • About Open APIs


    Card Payments Overview – Market Size and Dynamics – analysis of card issuing and card payments:

    • About Cards and Digital Card Form Factors
    • Cards and Payments in the E33 Region showing the card market size
    • Detailed Analysis of card use: debit cards, credit/delayed debit cards, KPIs per Capita, ATVs
    • Prepaid cards and the Electronic Purse phase-out
    • Leading card Issuers in Europe
    • Background: Cards and EMV Migration
    • Card Fraud Loss Figures on European level
    • Historic background of Contactless Cards


    Card Acquiring and Acceptance – analysis of card acquiring and ATM/POS data including:

    • Acquirer Infrastructure in Europe
    • Challenges for Card Acquirers
    • Merchant Demands for Card Acceptance Services
    • Merchant Service Charges – Abstract
    • EFTPOS terminal Analysis, including MPOS/SmartPOS devices and cash-advances at retail outlets
    • ATM Analysis, including ATM trends and ATM withdrawal fee arrangements
    • List of ATM Networks.
    • Largest Acquirers in Europe


    Overview of European Banking – role in payment business and Open Banking:

    •  European Banks and Digital Banking Trends
    •  Mobile banking apps
    •  Omnichannel self-service banking
    •  Digital Wallets
    •  Digitalisation of payments
    •  Immediate payments
    •  Open Banking
    •  Digital Card Business
    •  Digital Cards and NFC Technologies
    •  Banks in Western Europe
    •  Banks in Central and Eastern Europe 

    Finally, the complete European Digital and Card Payment Yearbook can be purchased as one PDF document which gives the full 33 country reports and the Regional Overview to make sure you have all the knowledge you will need about payments in Europe.

    For Russia and the countries of Central Asia, please see our Eurasian Yearbook.