{"id":161269,"date":"2025-06-29T08:00:59","date_gmt":"2025-06-29T05:00:59","guid":{"rendered":"https:\/\/cryptodnes.bg\/en\/?p=161269"},"modified":"2025-06-28T18:48:44","modified_gmt":"2025-06-28T15:48:44","slug":"what-are-the-key-trends-in-european-consumer-payments-for-2024","status":"publish","type":"post","link":"https:\/\/cryptodnes.bg\/en\/what-are-the-key-trends-in-european-consumer-payments-for-2024\/","title":{"rendered":"What Are the Key Trends in European Consumer Payments for 2024?"},"content":{"rendered":"<p>The <strong><a href=\"https:\/\/www.ecb.europa.eu\/stats\/ecb_surveys\/space\/html\/ecb.space2024~19d46f0f17.en.html\" rel=\"nofollow\">findings<\/a><\/strong>, drawn from the ECB\u2019s Study on the Payment Attitudes of Consumers in the Euro Area (SPACE), show a clear shift in consumer behavior since previous surveys in 2019 and 2022, with payment habits evolving in favor of convenience and technology.<\/p>\n<h2>Online and Card Payments See Broad Growth<\/h2>\n<p>In 2024:<\/p>\n<ul>\n<li>21% of day-to-day payments were made online, up from 17% in 2022.<\/li>\n<li>By value, online payments rose to 36%, compared to 28% previously.<\/li>\n<li>Cards were the dominant instrument by value at the point of sale (POS), accounting for 45% of POS transactions.<\/li>\n<li>While cash still made up 52% of POS payments by volume, its share declined from 59% in 2022.<\/li>\n<\/ul>\n<h2>Cash Dominates Small Purchases, P2P, and Privacy-Conscious Consumers<\/h2>\n<ul>\n<li>Cash remained the most-used method for low-value payments and P2P transactions, accounting for 41% of the latter.<\/li>\n<li>Among P2P alternatives, mobile apps and cards were used in 33% of cases, with credit transfers (9%) and instant payments (6%) making up the rest.<\/li>\n<\/ul>\n<p>Despite a decline in cash usage, 62% of consumers still consider having access to cash \u201cimportant\u201d or \u201cvery important.\u201d<\/p>\n<p><div class=\"read-more pb-3 pt-3 pt-md-2 px-3 my-4 border bg-light\">\n    <h5 class=\"text-uppercase border-bottom mb-3 pb-1\">Read More:<\/h5>\n    <a class=\"article row post-155386\" href=\"https:\/\/cryptodnes.bg\/en\/best-crypto-to-buy-now-bitcoin-price-no-longer-correlated-to-wall-street\/attachment\/fepe-token\/\" title=\"FEPE token\">\n        <div class=\"contentRight col-4\">\n            <span class=\"imgContainer mt-0\">\n                <img class=\"image img-defer\" src=\"\">\n            <\/span>\n        <\/div>\n        <div class=\"contentLeft col-8\">\n            <h4 class=\"title mb-0\">FEPE token<\/h4>\n        <\/div>\n    <\/a>\n<\/div>\n<\/p>\n<h2>Privacy, Accessibility, and Merchant Preferences Still Shape Habits<\/h2>\n<ul>\n<li>58% of respondents expressed privacy concerns over digital payments.<\/li>\n<li>87% found it easy to access an ATM or bank, though satisfaction with cash access dipped slightly.<\/li>\n<li>A notable 24% of consumers said their preferred payment method was not always accepted at physical stores.<\/li>\n<\/ul>\n<h2>Preferences Stable, But Merchant Gaps Remain<\/h2>\n<blockquote>\n<ul>\n<li>55% prefer card or cashless options for POS purchases.<\/li>\n<li>22% still prefer cash, and 23% had no clear preference \u2014 figures unchanged since 2022.<\/li>\n<\/ul>\n<\/blockquote>\n<p>Although ownership of payment accounts rose to 93%, payment card ownership dipped slightly to 92%.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A new report by the European Central Bank (ECB) reveals that digital payment methods continue to gain ground across the euro area, though cash remains a vital part of the consumer payment landscape \u2014 particularly for small-value transactions and person-to-person (P2P) payments.<\/p>\n","protected":false},"author":7,"featured_media":79885,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[22],"tags":[],"coin_category":[],"class_list":["post-161269","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-others"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Are the Key Trends in European Consumer Payments for 2024?<\/title>\n<meta name=\"description\" content=\"A new report by the European Central Bank (ECB) reveals that digital payment methods continue to gain ground across the euro...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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