The document outlines the methodology for compiling market reports based on secondary research, focusing on the online payment market in Europe. It explains the structure of the reports, data sources, definitions of payment terms, and various chart types used to present the findings. Additionally, it discusses the report's coverage of major countries, payment trends, and the types of information provided, highlighting the importance of current and reliable data.

2. © Copyright 2015 ystats.com GmbH & Co. KG, 22765 Hamburg, Germany
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4. 4
GENERAL METHODOLOGY OF MARKET REPORTS
Secondary Market Research
 The reports are compiled based on secondary market research. Secondary research is information gathered from previously published sources. Our reports
are based on information and data acquired from national and international statistical offices, industry and trade associations, business reports, business and
company databases, journals, company registries, news portals and many other reliable sources. By using various sources we ensure maximum objectivity for
reported data. As a result, companies gain a precise and unbiased impression of the market situation.
 Cross referencing of data is conducted in order to ensure validity and reliability.
 The source of information and its release date are provided on every chart. It is possible that the information contained in one chart is derived from several
sources. If this is the case, all sources are mentioned on the chart.
 The reports include mainly data from the last 12 months prior to the date of report publication. Exact publication dates are mentioned in every chart.
Definitions
 The reports take into account a broad definition of B2C E-Commerce, which might include mobile commerce. As definitions may vary among sources, exact
definition used by the source (if available) is included at the bottom of the chart.
Chart Types
 Our reports include text charts, pie charts, bar charts, rankings, line graphs and tables. Every chart contains an Action Title, which summarizes the main
idea/finding of the chart and a Subtitle, which provides necessary information about the country, the topic, units or measures of currency, and the applicable
time period(s) to which the data refers. With respect to rankings, it is possible that the summation of all categories amounts to more than 100%. In this case,
multiple answers were possible, which is noted at the bottom of the chart.
Report Structure
 Reports are comprised of the following elements, in the following order: Cover page, preface, legal notice, methodology, definitions, table of contents,
management summary (summarizing main information contained in each section of report) and report content (divided into sections and chapters). When
available, we also include forecasts in our report content. These forecasts are not our own; they are published by reliable sources. Within Global and Regional
reports, we include all major developed and emerging markets, ranked in order of importance by using evaluative criteria such as sales figures.
Notes and Currency Values
 If available, additional information about the data collection, for example the time of survey and number of people surveyed, is provided in the form of a note.
In some cases, the note (also) contains additional information needed to fully understand the contents of the respective data.
 When providing information about amounts of money, local currencies are most often used. When referencing currency values in the Action Title, the EUR
values are also provided in brackets. The conversions are made using the average currency exchange rate for the respective time period. Should the currency
figure be in the future, the average exchange rate of the past 12 months is used.

5. 5
METHODOLOGY OF THE CURRENT REPORT
Report Coverage
 This report covers the online payment market in Europe. It takes into account a wide definition of online payment, including payment methods used in online
shopping and mobile payment, such as remote and proximity payments.
 The major countries in the region are covered, while data availability varied across the markets.
 The report includes data mostly published within the previous 12 months. The exact date of publication of the source is stated on each chart. The time period
which the data refers to differs by source.
Report Structure
 The global chapter opens the report, featuring an overview of global online and mobile payment developments.
 Next, information about regional development and country comparisons are included.
 The rest of the report contains country-specific information. Countries are grouped by advanced and emerging markets. Within each group, the countries are
presented in the descending order of B2C E-Commerce sales.
 Depending on data availability, the following types of market information are included: payment methods most used by online shoppers, breakdown of E-
Commerce sales by payment methods, trends in online payment security and fraud, number and value of online/mobile payment transactions, mobile payment
user penetration and consumer awareness of innovative payment means. Not all the mentioned types of information are available for each of the covered
countries.

6. 6
DEFINITIONS
The following expressions and definitions are used in this Online Payment market report*:
Note: *the definitions used by the original sources might differ from the ones stated on this chart; the exact definition used by each source, where available, is included on the respective
charts
 ONLINE PAYMENT Transfer of money made over the Internet following a consumer’s payment command, includes payments for product and
service purchased in B2C E-Commerce and M-Commerce.
 MOBILE PAYMENT A wide definition of mobile payments includes payments made remotely in M-Commerce and proximity payments made in-
store, such as via QR code scanning and NFC technology.
 PROXIMITY MOBILE PAYMENT A mobile payment where the merchant and the consumer are present in the same location and the interaction between the
consumer’s device (card, mobile device) and the POS is conducted using a proximity technology (e.g. NFC).
 NFC & CONTACTLESS
PAYMENT
Near Field Communication is a set of standards to create radio communication by bringing devices close together or
having them touch each other. In that way, contactless data exchange and contactless payment transactions using an
NFC-enabled smartphone or other mobile device can take place. Similarly, contactless payments can be made by credit
and debit cards enabled with the contactless technology.
 ALTERNATIVE PAYMENTS
Generally refers to payment methods other than credit card or bank card payments. Widely defined, alternative online
payment methods include bank transfers and direct debit, digital wallets, pre-paid cards and private label cards, invoice,
and digital currency. May also include cash on delivery and card schemes by local companies other than global card
brands.
 E-WALLET A prepaid digital account, allowing users to store money and use it in online or mobile transactions. The examples of E-
Wallets or digital wallets include Alipay and PayPal.
 MOBILE WALLET
A software solution that enables consumers to store payment credentials, such as credit or debit card information, and use
the stored credentials to pay digitally for transactions made in-store, online or via mobile. Mobile wallets are installed on
mobile devices which are used to complete payments. The examples of mobile wallets include Apple Pay, Samsung Pay
and Google Pay. Mobile wallets are often included in the broader category of E-Wallets or digital wallets.
 INSTANT PAYMENTS
Electronic payment solutions for retail which are available 24/7/365 and thus result in immediate or close-to-immediate
interbank clearing of transactions and crediting of the payees’ accounts and confirm the payment to the payer after
payment initiation.
 B2C E-COMMERCE The sale of products (and services) through electronic transactions via the Internet from businesses to consumers.
 M-COMMERCE M-Commerce, also called “Mobile Commerce”, means the sale of products (and services) through transactions via mobile
devices.
 CRYPTOCURRENCY A form of digital asset based on a network that is distributed across a large number of computers. This
decentralized structure allows them to exist outside the control of governments and central authorities

7. 7
TABLE OF CONTENTS (1 OF 9)
1. Management Summary
2. Global Developments
• Top Online Payment Methods, in % of Respondents, August 2020
• Top Payment Methods Consumers Consider Using In the Next Year, in % of Consumers, March 2021
• Top Payment Methods Available, by B2C and B2B, in % of Payment Decision-Makers, 2020
• Share of Mobile Commerce Transaction Value, in % of Overall E-Commerce Transactions Value, 2021e & 2025f
• Share of QR Code Payments, in % of All Digital Wallet Transactions, 2020 & 2025f
• Perception of Cryptocurrency, in % of Millennial Customers, March 2021
• Top Payments Methods For Fraud Actions, in % of Fraud & Payment Professionals, August 2020
• Value of Losses Due to E-Commerce Fraud, in USD billion, 2020 & 2021e
• Number Of Users Making Payment With Facial Recognition, in billions, 2020 & 2025f
• Number Of Users Who Will Be Confirming Transactions With Voice Recognition, in millions, 2020 & 2025f
• Share of Online Consumers, by Likelihood Of Switching To A Digital-Only Bank, in % of Respondents, December 2020
3. Europe
3.1. Regional
• Overview of Online & Mobile Trends, June 2021
• Overview of News About Payment Industry Players, June 2021
• Overview of The Council of the European Union’s Plans Regarding Payment System, June 2021
• Profile of Real-Time Payments, and Objectives of the European Commission for 2021, June 2021
• Values of real-time Payments, in USD trillion, and Share of West Europe in the World’s Total, in %, 2020 & 2025f
• Share of SCT Inst in All SEPA Credit Transfer Transactions, October 2019 – September 2020
• Average Daily Transaction Value via RT1 real-time Payments, in EUR million, and Month-on-Month Change, in %, January 2020 –
November 2020
• Top Payment Methods Preferred, in % of Respondents, September 2020
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, by 12 Selected Countries, May 2020
• Breakdown of Select Payment Methods Offered by Merchants, by “Growth” and “Non-Growth” Mindsets of Merchants, in %, September
2020
• Consumers Who Shopped Online Via Mobile Phone/Tablet At Least Once, by 12 Selected Countries, in % of Consumers, May 2020

8. 8
TABLE OF CONTENTS (2 OF 9)
3. Europe (cont.)
3.1. Regional
• Payment Behaviors When Shopping In Stores Impacted by COVID-19, in % of Respondents, September 2020
• Consumers Who Were Willing To Share Their Data, by Country, in % of Consumers, March 2020
• Breakdown of Organizations Where Consumers Share Their Personal Data, by the Degree of Willingness, in % of Consumers, March
2020
• Proximity Mobile Payment Users, in millions, and Year-on-Year Change, in %, 2019 - 2023f
3.2. Advanced Markets
3.2.1. UK
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Share of Contactless Card Payments Made In Stores, in % of Card Payments, 2020
• Top Preferred Payment Methods, in % of Consumers, January 2021
• Breakdown of Credit and BNPL Providers Used, in % of Respondents, October 2020
• Value of Debit Card Spending, in GBP billion, July 2019 & July 2020
• Value of Credit Card Spending, in GBP billion, July 2019 & July 2020
• Value of Faster Payments via Pay.uk, in GBP billion, and Year-on-Year Change, in %, December 2019 – December 2020
• Shares of Faster Payments in Total Payments, in %, November 2019 & November 2020
• Cryptocurrency Adoption Rates, by Age Groups, in % of Current and Previous Cryptocurrency Owners, December 2018 & December
2019
• Use of Cryptocurrencies, in % of Current and Previous Cryptocurrency Owners, December 2019
• Breakdown of Adults’ Attitudes Towards the Potential Increase of The Limit for Contactless Transactions, in %, February 2021
• Top 3 Factors To Encourage Consumers To Try Open Banking Payment Method, in % of Online Shoppers, January 2021
• Share of Consumers Who Did not Complete a Payment Online, in%, & Top Reasons for Not Completing a Payment Online, in % of
Online Shoppers, January 2021
3.2.2. Germany
• Breakdown of E-Commerce Payment Methods, in % of E-Commerce Sales, 2020e
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020

9. 9
TABLE OF CONTENTS (3 OF 9)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.2. Germany
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Top Preferred Payment Methods, in % of Consumers, January 2021
• Breakdown of Preferred Payment Methods in Cross-Border B2C E-Commerce, incl., PayPal, Visa Credit Cards and MasterCard, in % of
Online Retailers, Q1 2020
• BNPL Adoption Rate, in % of Respondents Aware of BNPL, and Breakdown of Respondents Attitude Towards BNPL Usage in the
Future, by Consumer Type, in % of BNPL Users, 2020
• Breakdown of the Channels of the Last BNPL Payment, and the Potential BNPL Channel, in % of Respondents, 2020
• Top Payment Methods Offered in Online Stores, in % of Online Retail Store Owners, February 2021
• Breakdown of Payment Methods Offered in Online Stores, by Size of Enterprises, in % of Online Retail Store Owners, February 2021
• Share Online Retail Store Owners Who Plan and Do not Plan to Offer Additional Payment Methods in the Future, in %, February 2021
• Breakdown of Payment Methods That Will be More or Less Popular Among Customers in the Upcoming Years, by Decrease and
Increase in Popularity, in % of Online Retail Store Owners, February 2021
• Breakdown of Payment Methods That Will be More or Less Popular Among Customers in the Upcoming Years, by Decrease and
Increase in Popularity, in % of Online Retail Store Owners, February 2021
• Top Drivers of Sharing Personal Financial Data With a Primary Bank/Third Party Provider, in % of Internet Users, December 2020
• Top Factors to Consider Sharing Financial Data With a Bank/Third Party Provider, in % of Internet Users, December 2020
• Attitudes of Consumers Towards 2-Factor Authentication, August 2020
• Top Factors Considered When Shopping & Paying Online, in % of Respondents, August 2020
• Breakdown of Attitudes Towards a New EU Regulation for Online Payments, in % of Respondents, August 2020
• Breakdown of Additional Authentication Types When Paying Online, in % of Respondents, August 2020
• Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
• Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
• Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020

10. 10
TABLE OF CONTENTS (4 OF 9)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.3. France
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Top Preferred Payment Methods, in % of Consumers, January 2021
• Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
• Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
• Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
3.2.4. Spain
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Payment Methods Used For Online Purchases, in % of Respondents, 2019 & 2020
• Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
• Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
• Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
• Share of Consumers Who Purchased and Did not Purchase Via a Mobile or a Tablet In the Last 12 Months, in %, 2019 & 2020
• Share of Factors Valued the Most in Online Payments, in % of Respondents, 2019 & 2020
3.2.5. Italy
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Value of Contactless Payment Transactions, in EUR billion, 2018 – 2020
• Value of Mobile & Wearable Payment Transactions In Stores, in EUR billion, 2019 & 2020
• Value of Mobile Payment Transactions Outside the Store Transactions, in EUR billion, 2016 - 2020
• Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
• Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %,June 2020
• Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020

11. 11
TABLE OF CONTENTS (5 OF 9)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.6. Netherlands
• Breakdown of Preferred Payment Methods, in % of Respondents, 2019 & 2020
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Volume of Payment Transactions, by Credit Card, Debit Card and Cash, in billions, 2010 – 2020
• Value of Payment Transactions, by Credit Card, Debit Card and Cash, in EUR billion, 2010 – 2020
• Breakdown of Transactions Value, by Payment Methods, in % of Total Transactions Value, 2015 – 2020
• Share of Top 3 Payment Methods, incl. Online Purchases & Spending, in % of Total Local & Cross-Border Market Share, 2020e
• Share of Real-Time Payments in Total Single Credit Transfers, in %, November 2020
• Volume of Real-Time Payments, in thousands, February 2019 & October 2020
3.2.7. Switzerland
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Breakdown of Payment Methods Used for Online Purchases, in % of Respondents, December 2020
• Breakdown of Reasons to Choose an Online Payment Methods, in % of Respondents, December 2020
• Value of Real-Time Payments via the Swiss Interbank Clearing (SIC) System, In CHF billion, and Year-on-Year Change, in %, January
2020 – October 2020
3.2.8. Sweden
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Project 27 Overview, June 2021
• Share of Daily Real-Time Payments via the Bankgirot System, in % of Total, 2020
• Number of Processed Transactions in the Bankgirot Real-Time Payment System, in millions, and Year-on-Year Growth, in %, January
2020 – November 2020

12. 12
TABLE OF CONTENTS (6 OF 9)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.9. Belgium
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Top Payment Methods When Shopping Online, in %, H1 2020
• Share of Respondents Aged 65-74 Year Old Who Made Contactless Payment At Least Once, in %, 2020 & 2021
• Share of Respondents Who Paid Via Smartphone At Least Once, in %, 2020 & 2021
• Share of Respondents Who Purchased Online Via a Mobile Device In the Last 12 Months, in %, 2019 & 2020
• Breakdown of Shopping Channels To Be Considered In the Future When Purchasing New Products/Services Online, in % of
Respondents, April 2020
3.2.10. Norway
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
3.2.11. Denmark
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
3.2.12. Finland
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
3.2.13. Austria
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020

13. 13
TABLE OF CONTENTS (7 OF 9)
3. Europe (Cont.)
3.2. Advanced Markets (Cont.)
3.2.13. Austria (Cont.)
• Breakdown of Payment Methods Used for Online Purchases, in % of Respondents, December 2020
• Breakdown of Reasons to Choose an Online Payment Method, in % of Respondents, December 2020
• Top Internet Fraud Cases, in % of Respondents, November 2020
• Factors That Would Make Online Shoppers Feel More Secure About Online Shopping, in % of Respondents, November 2020
3.3. Emerging Markets
3.3.1. Russia
• Share of Non-Cash Trade Turnover, in %, 2019 & 2020
• Online Payment Platforms Used, in % of Respondents, 2019 & 2020
• Awareness of the Fast Payment Service offered by the Central Bank, in % of Respondents, September 2020
• Share of Consumer Fund Transfers via the Faster Payment System, in % of Total, December 2020
• Average Daily Value of Payments via the Faster Payment System, in RUB million, January 2020 & September 2020
• Share of Cashless Transactions With a Debit Card, in %, & Share of Cashless Transactions, in % of Total Expenditures of Citizens,
2010 - 2019 & January - September 2020
• Share of Payments Made Via a Bank Card, in % Online Purchases, 2019 & 2020
3.3.2. Poland
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Breakdown of Payment Methods Offered, in % of Online Retailers, October 2020
• Payment Methods Encouraging Online Shopping, in % of Online Shoppers, March 2020
• Breakdown of Fast Transfer Services Used in E-Commerce, in % of Online Shoppers Paying by Fast Transfer Services, March 2020
• Volume of Transfers via Express Elixir Real-Time Payment System, in PLN billion, and Volume, in millions, November 2019 & November
2020
• Problems Encountered by Online Shoppers When Making Purchases Via Mobile, incl. Payment-Related, in % of Mobile Shoppers, March
2020

14. 14
TABLE OF CONTENTS (8 OF 9)
3. Europe (Cont.)
3.3. Emerging Markets (Cont.)
3.3.2. Poland
• Devices Used For Online Purchases, in % of Online Shoppers, March 2020
• Top 5 Factors Affecting Online Shoppers‘ Perception of Credibility of an E-Commerce Website When Purchasing for the First Time, incl.
Payment-Related, in % of Online Shoppers, March 2020
• Digital Payment Methods Owned, in % of Internet Users, November 2020
• Payment Methods Used When Purchasing via Computer/Laptop, in % of Online Shoppers Buying via Computer, 2019 & 2020
• Payment Methods Used in M-Commerce, in % of Mobile Shoppers, 2019 & 2020
3.3.3. Turkey
• Number of Domestic E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2018 - Q4 2020
• Number of Cross-Border E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2018 - Q4
2020
• Value of Domestic E-Commerce Transactions with Domestic Bank Cards, in TRY billion, and Volume, in millions, Q1 2020 & Q1 2021
• Value of Cross-Border E-Commerce Transactions with Domestic Bank Cards, in TRY billion, and Volume, in millions, Q1 2020 & Q1
2021
• Cryptocurrency Adoption Rate, in % of Respondents, Q1 2020
3.3.4. Czech Republic
• E-Banking Transactions Made, by Web Browser & Mobile Application, in % of Respondents, June 2020
• Payment Methods Used To Pay, in % of Respondents, January 2020
• Attitude Towards the Maximum Limit for Contactless Card Payments of CZK 500 (EUR 18.9), in % of Respondents, May 2020
• Effects of COVID-19 On Purchasing Behavior, in % of Respondents, May 2020
3.3.5. Portugal
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2020
• Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
• Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
• Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020

15. 15
TABLE OF CONTENTS (9 OF 9)
3. Europe (Cont.)
3.3. Emerging Markets (Cont.)
3.3.6. Romania
• Share of Means Through Which Online Purchases Were Made, by Mobile Phone & Desktop, in %, 2019 & 2020
3.3.7. Hungary
• Breakdown of E-Commerce Transactions, by Payment Method, in %, 2020
• Volume and Value of Payments via the Hungarian Real-Time Credit Transfer Scheme (AFR), in millions, and in HUF trillion, March 2020
& September 2020
3.3.8. Ukraine
• Volume of Cashless Transactions Made Via a Payment Card, in millions, 2019 & 2020
• Breakdown of Cashless Transactions Made Via a Payment Card, by Type of Transaction, in % of Transaction Volume, 2020
3.3.9. Bulgaria
• Payment Methods Used In the Past Months When Making Payments Online, in % of Consumers, April 2021
• Online Payment Methods Used More Frequently Now Than Before COVID-19, in % of Consumers, April 2021
3.3.10. Croatia
• Top Satisfactory Elements When Shopping Online, in % of Internet Users, November 2020

16. 16
1. Management Summary 16 – 21
2. Global Developments 22 – 33
3.
3.1.
3.2.
3.2.1.
3.2.2.
3.2.3.
3.2.4.
3.2.5.
3.2.6.
3.2.7.
3.2.8.
3.2.9.
3.2.10.
3.2.11.
3.2.12.
3.2.13.
Europe
Regional
Advanced Markets
UK
Germany
France
Spain
Italy
Netherlands
Switzerland
Sweden
Belgium
Norway
Denmark
Finland
Austria
34 – 188
35 – 49
50 – 147
51 – 64
65 – 87
88 – 93
94 – 100
101 – 107
108 – 115
116 – 120
121 – 126
127 – 132
133 – 135
136 – 138
139 – 141
142 – 147
3.3.
3.3.1.
3.3.2.
3.3.3.
3.3.4.
3.3.5.
3.3.6.
3.3.7.
3.3.8.
3.3.9.
3.3.10.
Emerging Markets
Russia
Poland
Turkey
Czech Republic
Portugal
Romania
Hungary
Ukraine
Bulgaria
Croatia
148 – 188
149 – 155
156 – 167
168 – 172
173 – 176
177 – 180
181 – 181
182 – 183
184 – 155
186 – 187
188 – 188

17. 17
21%
30%
34%
0% 20% 40%
Speed
Convenience
Ease of Use
in % of Online Shoppers
Ease of use (34%) would majorly encourage consumers in the United
Kingdom to try using open banking payment method in 2021.
United Kingdom: Top 3 Factors To Encourage Consumers To Try Open Banking Payment Method,
in % of Online Shoppers, January 2021
Note: survey was nationally representative on key demographics of age, sex, region and social grade
Survey: based on a survey of 1,013 respondents who manage their finances with online banking and have made an online purchase in the last six months, conducted in
January 4th
- 7th
, 2021
Source: American Express, YouGov cited by Financial IT, January 2021

18. 18
PIN Contactless
39%
PIN Traditional
29%
Cash
23%
PIN, Except for
Small Amounts
9%
2020
2019
PIN Contactless
53%
PIN Traditional
20%
Cash
20%
PIN, Except for
Small Amouts
7%
The share of Dutch consumers who majorly preferred contactless
payments increased from almost 40% in 2019 to 53% in 2020.
Netherlands: Breakdown of Preferred Payment Methods, in % of Respondents, 2019 & 2020
Note: data includes payments at point-of-sale establishments (e.g. stores, catering establishments, petrol stations, services, the market, and vending machines) and payments
between Dutch citizens among themselves. Web purchases and the transfer of money for regular expenses and the like fall outside the scope of the regular survey
Definition: PIN - the umbrella term for contactless payment and traditional debit card in Netherlands
Survey: based on a survey of 24,498 respondents aged 12+, conducted in January 2020 - December 2020
the source does not reveal a 2019 survey details
Source: DeNederlandscheBank, Ipsos, GfK, April 2021

19. 19