European Payments Report Part 6 – Overview of European Banking 2025
6. Overview of European Banking Banking sectors in western Europe and the formerly state-owned banks in central and eastern Europe have completely different historic roots. In addition, their transformation into the European Economic Area (EEA) has followed separate strategies. Thus, this part of the European overview section continues to highlight European banks in two different […]
European Payments Report Part 5 – Card Acquiring and Acceptance 2025
5. Card Acquiring and Acceptance The card acquiring business is part of the card payment ecosystem, which is highlighted in a previous part of the European Overview Section. It is obvious that card acquirers shall be compliant with the respective rules and regulations of domestic card schemes and international card schemes, including security standards such […]
European Payments Report Part 4 – Card Payments Overview – Market Size and Dynamics 2025
4. Card Payments Overview– Market Size and Dynamics The legal frameworks for card payment services and the payment infrastructure in Europe are highlighted in the introducing part ‘About Payments in Europe’ (see above). The card issuing business is part of the card payment ecosystem, which is highlighted in another part of the Yearbook: ‘Card Payment […]
European Payments Report Part 3 – Open Banking Payment Ecosystem 2025
3. Open Banking Payment Ecosystem The Open Banking payment market has a competitive decentralised infrastructure. The adoption of the revised Payment Services Directive (PSD2) has set the stage for Open Banking Payments in Europe. PSD2, disruptive technologies and the competing card payment ecosystem, challenge the European banks and the emerging Open Banking payment ecosystem in […]
European Payments Report Part 1 – About Payments in Europe 2025
1. About Payments in Europe The redesigned European overview section of the Yearbooks edition 24-25 has a completely new structure. Beyond card payments, it now includes three competing European payment ecosystems: Card Payment ecosystem – card payments and its infrastructure Open Banking payment ecosystem – cardless payments directly from bank accounts Cash payment ecosystem – […]
European Payments Report – Introduction 2025
Introduction About the Yearbook This edition of the European Digital and Card Payment Yearbook contains 33 profiles, covering the countries which make up the European Economic Area (EEA) – the 27 Member States of the European Union (EU27) and the UK together with Iceland, Norway, and Switzerland – plus Serbia and Turkey. Like previous editions, […]
Malta 2025
Luxembourg 2025
Netherlands 2025
Norway 2025
