歐洲的數位付款 (2025年):2028年為止的地區趨勢·普及·預測

2025 年，歐洲的數位支付將轉變：智慧型手機普及率、非接觸式支付普及率和數位錢包將引領潮流。

錢包普及推動歐洲數位支付激增：

預計到 2024 年，歐洲數位支付的滲透率將超過線上支付的 60% 和店內支付的 25%。這一成長是由非接觸式選項、智慧型手機普及率和全球數位錢包的採用所推動的。雖然全球錢包繼續主導線上支付，但 OEM 錢包主導店內支付，這反映了對快速安全解決方案的需求。

即時支付推動非現金交易的成長：

預計歐洲非現金交易數量將從 2023 年起以超過 10% 的複合年增長率增長，到 2028 年將達到 6,300 億以上。在 B2B 領域，預計到 2028 年非現金交易總量將達到近 900 億。雖然到 2023 年卡片支付將佔據交易量的 60% 以上，但即時支付仍將是驅動力，這得益於對即時和無縫交易的需求。

隨著加密貨幣持有量的成長，穩定幣應運而生：

USDT 和 USDC 等穩定幣因其穩定性和在跨境支付中的使用而在歐洲越來越受歡迎。到 2024 年，100 萬美元以下的穩定幣交易成長速度將是北美的 2.5 倍。此外，該地區約有 5,000 萬人持有數位資產，凸顯了提供穩定價值和融入電子商務平台的穩定幣的吸引力。

本報告研究了歐洲數位支付的趨勢，並總結了按類別採用數位錢包的情況、消費者支付行為和支付方式的變化，以及非現金交易數量和價值的趨勢和預測。

目錄

第1章 管理摘要

第2章 歐洲的數位付款引進趨勢

• 重要點:歐洲的數位付款引進趨勢
• 數位付款的利用和錢包的引進
  • 使用數位付款的受訪者的比例
  • 各類別數位錢包的採用情形:商店內，數位付款用戶的比例
  • 各類別數位錢包的採用情形:線上，數位付款用戶的比例
  • 各類別數位錢包的採用情形:App內，數位付款用戶的比例
• 消費者的付款行動的變化
  • 付款混合:新的付款和傳統的付款，交易數量的比例
  • 即時經濟的付款方式的使用頻率，消費者比例

第3章 歐洲的消費者喜好新的付款方式

• 關鍵要點：歐洲消費者的偏好與新的支付方式
• 消費者偏好
  • 願意嘗試銀行支付線上付款的受訪者百分比
  • 為什麼銀行支付對消費者俱有吸引力（以受訪者百分比計算）
  • 在線使用信用卡的主要原因（信用卡用戶的百分比）
  • 影響消費者選擇線上支付方式偏好的因素
• 引進新的付款方式
  • 加密貨幣持有者數量
  • 西歐：加密貨幣支付採用和穩定幣使用概述

第4章 歐洲的數位付款的市場成長與未來預測

• 關鍵要點：歐洲數位支付市場的成長與未來前景
• 西歐零售電子商務的成長及其對支付的影響
  • 電子商務在零售業的佔有率（佔零售總額的百分比，預測）
  • 零售電子商務銷售額（年變動、預測）
• 非現金交易增加
  • 非現金交易總額
  • B2B 非現金交易總額
• 歐洲、中東和非洲支付收入趨勢和預測
  • 類型（商業和消費者）劃分的支付收入
  • 支付收入佔有率
  • 支付收入：2013 年、2018 年、2020-2023 年
  • 全球支付市場成長率及各地區預測
  • 地區劃分的支付市場收入佔有率預測

Digital Payments in Europe Set for Transformation in 2025: Smartphone Penetration, Contactless Adoption, and Digital Wallets Lead the Way, according to the latest yStats.com report.

Digital Payments Surge in Europe Driven by Wallet Adoption

In 2024, digital payment adoption in Europe exceeded 60% for online transactions and over 25% for in-store payments. The rise was driven by contactless options, smartphone penetration, and the adoption of global digital wallets. Global wallets remained the preferred method for online payments, while OEM wallets led in-store transactions, reflecting the demand for fast and secure solutions.

Instant Payments Propel Non-Cash Transaction Growth

The volume of non-cash transactions in Europe is projected to grow at a CAGR of over +10% from 2023, reaching more than 630 billion transactions by 2028. In the B2B segment, non-cash transactions are expected to total nearly 90 billion by 2028. While card payments dominated in 2023, comprising over 60% of transaction volume, instant payments continued to gain traction, driven by the need for real-time and seamless transactions.

Stablecoins Gain Ground as Crypto Ownership Expands

Stablecoins like USDT and USDC are gaining traction in Europe, fueled by their stability and use in cross-border payments. In 2024, stablecoin transactions below USD 1 million grew 2.5 times faster than in North America. Additionally, nearly 50 million individuals in the region held digital assets, highlighting the appeal of stablecoins for consistent value and their integration into E-Commerce platforms.

Table of Contents

1. Management Summary

2. Digital Payment Adoption Trends in Europe

• 2.1. Key Takeaways - Digital Payment Adoption Trends in Europe
• 2.2. Digital Payment Usage and Wallet Adoption
  • Share of Respondents Using Digital Payments, by Category, in % of Respondents, 2024
  • Digital Wallets Adoption by Category: In-Store, in % of Digital Payment Users, 2024
  • Digital Wallets Adoption by Category: Online, in % of Digital Payment Users, 2024
  • Digital Wallets Adoption by Category: In-App, in % of Digital Payment Users, 2024
• 2.3. Shift in Consumer Payment Behavior
  • Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023
  • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024

3. Consumer Preferences and Emerging Payment Methods in Europe

• 3.1. Key Takeaways - Consumer Preferences and Emerging Payment Methods in Europe
• 3.2. Consumer Preferences
  • Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • Features That Make Pay by Bank Appealing to Consumers, in % Respondents, 2024
  • Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024.
• 3.3. Adoption of Emerging Payment Methods
  • Number of Cryptocurrency Owners, in millions, 2023 & 2024e
  • Western Europe: Overview of Crypto Payment Adoption and Stablecoin Usage, March 2025

4. Market Growth and Future Projections for Digital Payments in Europe

• 4.1. Key Takeaways - Market Growth and Future Projections for Digital Payments in Europe
• 4.2. Retail E-Commerce Growth and Impact on Payments in Western Europe
  • Retail E-Commerce Share, in % of Total Retail Sales, 2022-2028f
  • Retail E-Commerce Sales, in USD billion, in % of Year-on-Year Change, 2022-2028f
• 4.3. Non-Cash Transaction Growth
  • Total Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
  • Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
• 4.4. Payments Revenue Trends and Projections in Europe, Middle East, and Africa
  • Payments Revenue by Type, Commercial & Consumer in %, 2018 & 2023
  • Share of Payment Revenue Value, in %, 2027f
  • Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023
  • Payments Market Growth by Global Region, CAGR (%), 2022 - 2027f
  • Payments Market Revenue Share by Global Region, in %, 2027f