Key players in the EU payments landscape

The European payments market is undergoing rapid change. Instant payments are now mandatory in the eurozone, the third Payment Services Directive (PSD3) and the Payment Services Regulation (PSR) are nearing completion, and initiatives such as the digital euro and the EU Digital Identity Wallet are progressing. At the same time, AI, tokenization, and blockchain-based infrastructures are starting to reshape how payments are executed and secured.

Produced by Deloitte Luxembourg in collaboration with the Payment Association EU, this edition provides a concise, data-driven view of these shifts across all EU member states. It combines a pan-European perspective with detailed country-level analyses, helping readers quickly understand both the common regulatory and infrastructural baseline and the specific dynamics of each market.

In the report, you will find:

• Significant regulatory and infrastructure changes shaping payments in Europe.
• Country-by-country assessments of payment trends, card schemes, alternative payment methods, and key industry players.
• Insights from representatives from SWIFT and the European Payments Initiative (EPI).
   

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