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Europe Regional Overview 2023

  • PDF Icon

    Report

  • 219 Pages
  • January 2023
  • Region: Europe
  • Payments Cards and Mobile
  • ID: 5318245

Digital and Card Payment Yearbooks provide the latest data on the European and Eurasian payments markets at country and regional level including granular detail on Cards Issuing and Acquiring Statistics.

The brand new, revamped, European Regional Overview provides a pan-European perspective on digital and card payments across all 33 countries of the European Yearbook.

By amalgamating data from all the country reports, a dynamic picture of the continents’ payment landscape is laid out in comparative tables giving five years’ worth of data (2017 - 2021) plus annual growth rate (GR 20/21) and compound annual growth rate (5-year CAGR) figures.

Additionally, the six extensive chapters (new for 2022/2023) discuss the three competing payment ecosystems in Europe: Cash Payments; Card Payments and Open Banking (non-card digital payments):

INTRODUCTION

Introduction to the new yearbook edition, important notes on the European and Eurasian Yearbooks, glossary, conventions, abbreviations and notable European organisations.

ABOUT PAYMENTS IN EUROPE

About Payments in Europe provides an introductory overview and brief analysis of different aspects of card payments, emerging cardless payments direct from bank account and digital payment transformation. E-commerce, digital commerce infrastructure, internet use, consumer behaviour and merchant demands are also covered.

CARD PAYMENT ECOSYSTEM IN EUROPE

This section provides an overview regarding card payment services offered in Europe that can be used at ATM terminals, POS terminals and POS checkouts in retail outlets and in online shops. The focus of this section is to highlight selected, basic card payment services and characteristics.

OPEN BANKING PAYMENT ECOSYSTEM

The objective this chapter is to provide a European overview of cardless payments (account-to-account or Open Banking payments). It therefore covers digital payment services, direct from bank accounts, offered in Europe and IBAN-based payment services used in-store at POS, in online shops and in-app.

CARD PAYMENTS OVERVIEW - MARKET SIZE & DYNAMICS

A largely statistical chapter including figures on debit cards, credit cards and card payments. Card issuers and card fraud. Cards and payments per capita and the breakdown of cashless payments (credit transfers, direct debits, cheques and card payments).

CARD ACQUIRING AND ACCEPTANCE

Examining card acquiring, POS acceptance and ATM acceptance across Europe, this section reviews selected comparative POS and ATM statistics from the card acquiring business point of view. In addition, the legal framework for card acceptance services, challenges for acquirers, modern merchant demands and the largest card acquirers in Europe are highlighted in this part.

OVERVIEW OF EUROPEAN BANKING

This chapter illustrate the evolution of the banking sector in western Europe and in the CEE region to date. It also highlights important market trends in European banking from a payments industry perspective.

PRODUCT INFORMATION

Digital product provided in PDF format. You will receive a download link to a zip file containing your files after checkout. 

Table of Contents

MARKET OVERVIEW
  • Market Overview and Key Statistics

BANKING SECTOR
  • Structure
  • Digital Challenger Banks
  • Internet/Mobile Banking
  • PSD2 and the Open Banking Mandate
  • About Open API Standards

PAYMENT SERVICES
  • Card Brands and Card Types
  • Contactless Cards and form-factors
  • Interchange Fee Arrangements
  • E-Money
  • Account-based Payment Services
  • Advanced Payment Services
  • Digital Payment Services
  • Overview of Cashless Payments
  • Exchange Rates

MARKET INFRASTRUCTURE
  • General Data Protection Regulation (GDPR)
  • Strong Customer Authentication (RTS SCA)
  • eIDAS regulation and Digital ID Trends
  • Biometric Authentication Services
  • Blockchain and Cryptocurrencies
  • European Payment Initiative (EPI), EDPIA and Payments Europe
  • Country Banking Industry Committee
  • Domestic Cards
  • Country specific Direct Debits
  • Debit Card Brands in Country
  • Network Service Processors (NSP)
  • NSP Market Sector Consolidation
  • Card Issuers in Country - Overview
  • Card Processors and PSPs
  • Online Payment Service Processors (PSPs)
  • Acquiring and Acceptance
  • Payment Institutions
  • ATM Terminal Infrastructure
  • Cash-Advance Services in Country - Competition for ATMs
  • Cash Automation and Cash Dispensing Machines at Petrol Stations
  • POS Terminal Infrastructure
  • Cash-Advance Services at POS Terminals in Country
  • Digital omnichannel Payment Hubs
  • Remote Payments on the Internet - Cards & More
  • Mobile Payments - Overview
  • Mobile Payment Initiatives

MARKET SIZE AND DYNAMICS
  • Cards in Issue
  • Card Fraud
  • Card Use
  • Card Use per Capita
  • Debit Card Use
  • Country Retailers View on Card Payments in Retail Outlets
  • Delayed Debit Card Use
  • Credit Card Use
  • E-Money Use
  • Leading Credit Card Issuers
  • Consumer Finance
  • Private Label Card Use

APPENDIX
  • Banking Sector Background - Selected Notable Events
  • Card Business Background - Selected Notable Events
  • Authorisation Fee Background
  • EMV Implementation Background
  • Background of Mobile Payment Initiatives
  • Addendum - Country Card Business History
  • Historic Reshaping Activities in the Bank Sectors
  • Historic Credit Card Issuer Background
  • Historic Card Processing Background
  • Historic Card Acquirer Background
  • Historic Internet Payments Background

Methodology

The publisher's research is collated over a year from Primary sources across all European and Eurasian markets. They use the ECB, BIS as well as annual reports from the European banks and listed companies, consulting platforms and major accounting firms along with a combined 100 years of experience in the payments industry analysing and commenting on the data.

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