Spain 2026
Market Overview Payment Organisations SistemaPay Domestic Card Brands SistemaPay cards are co-badged Mastercard, VISA, Debit Mastercard, or VISA Debit for international use. Bizum, the domestic A2A payment service. Market Structure Cards in issue had grown strongly to 79.2 million by end-2008, then falling to 68.0 million at end-2014. By 2024, cards in issue had grown […]
Switzerland 2026
Market Overview Payment Organisations SIX Group, the Swiss interbank organisation. Aduno Group – interbank organisation of the Swiss regional banks Domestic Payment Brands PostFinance debit cards, CardDirect, some co-badged PLUS. TWINT, the digital A2A payment app of the Swiss banks. Market Structure Swiss banks mainly issue Maestro debit cards, PostFinance, the banking arm of Swiss […]
European Payments Report Overview 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 Overview 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 Overview 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 Overview 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 Overview 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
