Payment Data Monitor provides the first standardized, cross-country intelligence framework for retail payment markets — harmonised KPIs, consistent methodology, strategy-ready outputs.
Every market entry, benchmarking exercise, or M&A review runs into the same wall.
Payment data is scattered across central banks, scheme reports, and national statistics — with incompatible definitions, different scopes, and no common methodology.
Total retail payment market size — including cash — has never been consistently measurable across countries. Teams work with rough estimates or expensive primary research.
Comparing payment markets across Germany, France, Italy, or the Netherlands means rebuilding the dataset from scratch each time — with ad hoc Excel files and inconsistent benchmarks.
Payment Data Monitor harmonises publicly available payment statistics into a consistent, strategy-ready framework — covering all 20 Euro Area member states with a full instrument breakdown.
We estimate total retail payment volumes including cash, calibrated from publicly available data sources — the figure the market has never had on a consistent, cross-country basis.
Cards, credit transfers, direct debits, mobile payments, and A2A methods — all defined consistently and directly comparable across countries and years.
Segmented view across all three payment contexts — including instant P2P flows and A2A online methods (iDEAL, open banking) that traditional card statistics systematically miss.
A composite score across four dimensions — from non-cash penetration to instant payment share — enabling direct country-to-country benchmarking and trend analysis.
Full coverage across the entire currency union — from the largest economies to the smallest — spanning the complete spectrum from cash-heavy to near-cashless markets.
Payment Data Monitor is designed to directly support strategic decision-making — not to replace analytical work, but to eliminate the weeks spent building the baseline.
Assess payment market maturity, identify whitespace, and benchmark a target country against peers — before committing to an expansion.
Validate market assumptions for payment-related transactions. Benchmark an acquisition target's operating market against standardised Euro Area comparables.
Eliminate the data-gathering phase at project start. Arrive at client engagements with a ready-to-use, credible, harmonised baseline for any Euro Area market.
Track your instrument's position in the payment mix across markets. Monitor instant payment adoption and competitive share shifts with a consistent longitudinal dataset.
Whether you're exploring a subscription, need data for a specific project, or want to discuss a custom analysis — we'd like to hear about your use case.
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