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Euro Area retail payments
2024 overview.

A full preview of our standardised report format: instrument breakdown, use case analysis and the PDM Digital Maturity Index for the Euro Area.

Euro Area · Retail payments · 2024
Overview
Free
Total market
~179 bn
Non-cash share
55%
Maturity index
26.4
Exhibit 1 · Instrument share by use case
PoS
52396
84%
E-Com
4829158
12%
P2P
4136177
4%
CashCardsMobile / e-pay Transfers & debitsOther
What's included

Three structured exhibits. One consistent framework.

Exhibit 1

Instrument mix by use case

How cash, cards, mobile, transfers and other instruments split across point of sale, e-commerce and P2P, with each use case's share of the total.

Exhibit 2

Total instrument volume

Absolute transaction volumes per payment instrument for the Euro Area, cash included - the figure the market has never had on a standardised basis.

Exhibit 3

Digital Maturity Index

A composite of three shares - non-cash usage, e-commerce share and mobile wallets at the point of sale - for direct comparison between markets.

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  • Total retail payment transactions, cash included
  • Full instrument breakdown: cash, cards, mobile, transfers
  • Point of sale, e-commerce and P2P segmentation
  • PDM Digital Maturity Index

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