{"id":135,"date":"2025-09-22T17:10:00","date_gmt":"2025-09-22T15:10:00","guid":{"rendered":"http:\/\/stocks-future.com\/?guid=0356f9f94d25a8c5f011ae407e71e032"},"modified":"2025-09-22T17:10:00","modified_gmt":"2025-09-22T15:10:00","slug":"european-cards-and-payments-market-report-2025-card-and-open-banking-transforming-european-payments-researchandmarkets-com","status":"publish","type":"post","link":"https:\/\/stocks-future.com\/?p=135","title":{"rendered":"European Cards and Payments Market Report 2025: Card and Open Banking &#8211; Transforming European Payments &#8211; ResearchAndMarkets.com"},"content":{"rendered":"<p>DUBLIN--(BUSINESS WIRE)--The <a  href=\"https:\/\/www.researchandmarkets.com\/reports\/5318246\/european-cards-and-payments-report-2025?utm_source=BW&amp;utm_medium=PressRelease&amp;utm_code=zlk8t9&amp;utm_campaign=2090210+-+European+Cards+and+Payments+Market+Report+2025%3A+Card+and+Open+Banking+-+Transforming+European+Payments&amp;utm_exec=carimspi\" rel=\"nofollow\" shape=\"rect\">\"European Cards and Payments Report 2025\"<\/a> has been added to <strong>ResearchAndMarkets.com's<\/strong> offering.<\/p><br\/><a href=\"https:\/\/mms.businesswire.com\/media\/20250922429418\/en\/2586546\/4\/logo.jpg\"><img src=\"https:\/\/mms.businesswire.com\/media\/20250922429418\/en\/2586546\/22\/logo.jpg\" \/><\/a><br\/><a href=\"https:\/\/mms.businesswire.com\/media\/20250922429418\/en\/2586546\/4\/logo.jpg\"><img src=\"https:\/\/mms.businesswire.com\/media\/20250922429418\/en\/2586546\/21\/logo.jpg\" \/><\/a><p>\nThe 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 continent's payment landscape is laid out in comparative tables, giving five years' worth of data (2019-2023) plus annual growth rate (GR 22\/23), and compound annual growth rate (5-year CAGR) figures.<\/p><p>\n<strong>Alongside card payments, it highlights three competing European payment ecosystems:<\/strong><\/p><ul>\n<li>\nCard payment ecosystem - card based payment business and its infrastructure - including mobile payments<\/li>\n<li>\nOpen Banking payment ecosystem - card-less payments directly from bank accounts<\/li>\n<li>\nCash ecosystem - cash handling and digital currency innovations<\/li>\n<\/ul><p>\nThe objective is to provide a European overview of card payments and card-less payments, having in mind the regulators' view on digital payment services for the digital economy, the payment demands of consumers and merchants, and the emerging digital payment world. In addition, the cash ecosystem is briefly highlighted.<\/p><p>\nHaving such a pan-European view on payment services and payment service providers in mind, the European overview sections comprise a basic introduction about the Yearbook, and six parts reflecting digital payment transformation trends. It analyses both the card payment business and the emerging Open Banking payment ecosystem.<\/p><p>\n<strong>About Payments in Europe<\/strong><\/p><p>\nThis part provides an introducing overview about payments in Europe and analyses different aspects of card payments, emerging card-less payments directly from bank accounts, and digital payment transformations:<\/p><ul>\n<li>\nDigital payments for the digital economy - Growth and KPIs<\/li>\n<li>\nRegulators' view, consumer demands, merchant demands<\/li>\n<li>\nLegal framework for payment services in Europe<\/li>\n<li>\nFrom PSD2 to PSD3 - regulatory technical standards and SEPA payment instruments<\/li>\n<li>\nCompeting payment ecosystems in Europe<\/li>\n<li>\nCash payment ecosystem<\/li>\n<li>\nCard payment ecosystem<\/li>\n<li>\nOpen Banking payment ecosystem<\/li>\n<li>\nCryptocurrencies, CBDCs and Stablecoins<\/li>\n<li>\nClassification of cashless payment services in Europe<\/li>\n<li>\nTypes of payment service providers in Europe<\/li>\n<li>\nOnline payments in Europe<\/li>\n<li>\nMobile payments in Europe<\/li>\n<li>\nAbout payment fraud in Europe<\/li>\n<li>\nOutlook - Digital Payment Transformation<\/li>\n<li>\nOutlook - Digital Payment Infrastructure<\/li>\n<\/ul><p>\nFurthermore, this part highlights important payment service trends and digital technologies relevant for European payment businesses.<\/p><p>\n<strong>Card Payment Ecosystem<\/strong><\/p><p>\nThe objective of this section is to provide an overview of card payments and payment service providers in the European card payment ecosystem, which competes with card-less payments directly from bank accounts.<\/p><p>\nThis part drills down into card payment infrastructures and card payment services in Europe:<\/p><ul>\n<li>\nAbout the card payment ecosystem in Europe<\/li>\n<li>\nCard payment services in Europe<\/li>\n<li>\nCard payment service providers in Europe<\/li>\n<li>\nCard issuers, card acquirers, card processors, other related entities<\/li>\n<li>\nInternational card schemes and Europe<\/li>\n<li>\nDomestic card scheme transformation<\/li>\n<li>\nInterchange fee arrangements in Europe<\/li>\n<li>\nDigitalisation of card payments<\/li>\n<li>\nAbout card fraud in Europe<\/li>\n<li>\nCard payment service trends<\/li>\n<li>\nOutlook - card payment Infrastructure<\/li>\n<\/ul><p>\nIn this section of the European overview, the transformation and current situation of domestic processors, interbank organisations and domestic card schemes in Europe are highlighted in the new context as at end-2022. Additionally, an update is given on the overview of international card schemes.<\/p><p>\nFurthermore, this part highlights important card market trends and digital technologies relevant for card payments. It also includes an outline of the evolution of the former interbank payment organisations and a summary of M&amp;A activity among European card processors.<\/p><p>\n<strong>Open Banking Payment Ecosystem<\/strong><\/p><p>\nThe objective of this section is to provide a European overview of card-less payments and the emerging Open Banking payment ecosystem, which is complementary to the card business.<\/p><ul>\n<li>\nAbout Open Banking in Europe<\/li>\n<li>\nThe Open Banking payment ecosystem in Europe<\/li>\n<li>\nCard-less payment services in Europe<\/li>\n<li>\nCard-less payment service providers in Europe<\/li>\n<li>\nPayment initiation service workflow<\/li>\n<li>\nAccount information service workflow<\/li>\n<li>\nAbout digital payment fraud in Europe<\/li>\n<li>\nOpen Banking payment service trends<\/li>\n<li>\nAbout Open APIs<\/li>\n<li>\nOutlook - Digital payment transformation<\/li>\n<li>\nOutlook - Open Banking payment infrastructure<\/li>\n<\/ul><p>\nFurthermore, this part highlights important Open Banking market trends and digital technologies relevant for Open Banking payment business.<\/p><p>\n<strong>Cryptocurrencies Ecosystem<\/strong><\/p><p>\nThe objective of this section is to provide a European overview of the cryptocurrency market across all the major sectors (Cryptocurrencies, Stable coins and CBDC). The regulatory framework across Europe and in country and domestic operations on a country by country level.<\/p><p>\n<strong>Card Payments - Market Size and Dynamics<\/strong><\/p><p>\nCovering debit and credit cards across the European market including comparative tables of issued cards, number of payments per country, expenditure on cards by country and a variety of per capita figures.<\/p><p>\nAdditionally, this part provides high-level background regarding:<\/p><ul>\n<li>\nAbout cards and digital card form factors<\/li>\n<li>\nRegional summary: cards and payments in the E33 region showing the card market size<\/li>\n<li>\nDetailed analysis of card use: debit cards, credit\/delayed debit cards, KPIs per Capita, ATVs<\/li>\n<li>\nPrepaid cards and electronic purse phase-out<\/li>\n<li>\nLeading card issuers in Europe<\/li>\n<li>\nBackground: cards and EMV migration<\/li>\n<li>\nCard fraud loss figures at a European level<\/li>\n<li>\nHistoric background of contactless cards<\/li>\n<\/ul><p>\n<strong>Card Acquiring and Acceptance<\/strong><\/p><p>\nThis section reviews card acquiring, the acquirer infrastructure in Europe, and selected comparative POS and ATM statistics.<\/p><p>\nThe new legal frameworks for acquirer services, EC directives and new EC regulations with impact on European card business are highlighted.<\/p><p>\nAdditionally, this section provides high-level background regarding:<\/p><ul>\n<li>\nAcquirer infrastructure in Europe<\/li>\n<li>\nChallenges for card acquirers<\/li>\n<li>\nMerchant demands for card acceptance services<\/li>\n<li>\nMerchant service charges - abstract<\/li>\n<li>\nEFTPOS terminal analysis, including MPOS\/SoftPOS devices and cash-advances at retail outlets<\/li>\n<li>\nATM analysis, including ATM trends and ATM withdrawal fee arrangements<\/li>\n<li>\nList of ATM networks.<\/li>\n<li>\nLargest acquirers in Europe<\/li>\n<\/ul><p>\n<strong>Overview of European Banking<\/strong><\/p><p>\nA discussion of retail banking trends in Western and Eastern Europe, including cross-border M&amp;A activity, and a snapshot of the leading European banks.<\/p><p>\nIn addition, this section highlights notable digital banking trends and the role of European banks in digital cards and payments, both from a payments industry point of view:<\/p><ul>\n<li>\nEuropean banks and digital banking trends<\/li>\n<li>\nMobile banking apps<\/li>\n<li>\nOmnichannel self-service banking<\/li>\n<li>\nBanks and digital wallets<\/li>\n<li>\nBanks and digitalisation of payments<\/li>\n<li>\nBanks embracing immediate\/instant payments<\/li>\n<li>\nEuropean banks and Open Banking<\/li>\n<li>\nEuropean banks and digital card business<\/li>\n<li>\nDigital cards and NFC technologies<\/li>\n<li>\nBanks in Western Europe<\/li>\n<li>\nBanks in Central and Eastern Europe<\/li>\n<\/ul><p>\nFor more information about this report visit <a  href=\"https:\/\/www.researchandmarkets.com\/reports\/5318246\/european-cards-and-payments-report-2025?utm_source=BW&amp;utm_medium=PressRelease&amp;utm_code=zlk8t9&amp;utm_campaign=2090210+-+European+Cards+and+Payments+Market+Report+2025%3A+Card+and+Open+Banking+-+Transforming+European+Payments&amp;utm_exec=carimspi\" rel=\"nofollow\" shape=\"rect\">https:\/\/www.researchandmarkets.com\/r\/9y9tyh<\/a><\/p><p>\n<strong>About ResearchAndMarkets.com<\/strong><\/p><p>\nResearchAndMarkets.com is the world's leading source for international market research reports and market data. We provide you with the latest data on international and regional markets, key industries, the top companies, new products and the latest trends.<\/p><br\/> <b>Contacts<\/b> <br\/><p>\nResearchAndMarkets.com\n<br\/>Laura Wood, Senior Press Manager\n<br\/><a  href=\"mailto:press@researchandmarkets.com\" rel=\"nofollow\" shape=\"rect\">press@researchandmarkets.com<\/a><br\/>\n<br\/>For E.S.T Office Hours Call 1-917-300-0470\n<br\/>For U.S.\/ CAN Toll Free Call 1-800-526-8630\n<br\/>For GMT Office Hours Call +353-1-416-8900<\/p>","protected":false},"excerpt":{"rendered":"<p>DUBLIN&#8211;(BUSINESS WIRE)&#8211;The \u00ab\u00a0European Cards and Payments Report 2025\u00a0\u00bb has been added to ResearchAndMarkets.com&rsquo;s offering.<br \/>\nThe European Regional Overview provides a pan-European perspective on digital and card payments across all 33 countries of the E&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-135","post","type-post","status-publish","format-standard","hentry","category-infos-businesswire"],"_links":{"self":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/135","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=135"}],"version-history":[{"count":1,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/135\/revisions"}],"predecessor-version":[{"id":136,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/135\/revisions\/136"}],"wp:attachment":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}