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서유럽의 온라인 결제 수단(2021년)

Western Europe Online Payment Methods 2021

리서치사 yStats.com GmbH & Co. KG
발행일 2021년 06월 상품 코드 1014543
페이지 정보 영문 149 Pages
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서유럽의 온라인 결제 수단(2021년) Western Europe Online Payment Methods 2021
발행일 : 2021년 06월 페이지 정보 : 영문 149 Pages

본 상품은 영문 자료로 한글과 영문목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

서유럽 소비자는 여전히 E-Commerce 온라인 구입에 체크카드, 신용카드를 선택하는 경향이 있습니다. 그러나 코로나19(COVID-19) 위기를 계기로 현금주의가 강했던 서유럽 국가에서도 비접촉 결제나 모바일 결제 이용이 확대되고 있습니다. 영국에서는 2020년 카드 구입의 10분의 9가 비접촉형이었고, 네덜란드에서는 비접촉형의 점유율이 매년 증가하고, 2020년에는 총거래액의 절반 이상을 차지했습니다.

서유럽 국가의 온라인 결제 수단(Online Payment Methods) 동향에 대해 분석했으며, 세계 전체 및 유럽 역내 온라인 결제 수단 선택 및 이용 동향, 주요 결제 수단별 동향, 사용자수·결제 건수·결제 금액 추이와 예측, 각국의 상세 동향 등의 정보를 정리하여 전해드립니다.

대상 지역

서유럽

본 보고서에서 언급된 기업

Paypal, Klarna, Stripe, Robinhood, Checkout.com, Sentenial, Unifiedpost Group, Crossinx GmbH, Amazon Pay, Bancontact, VIPPS, American Express, Apple Pay, Google Pay, Ingenico, Glovo, Farfetch, Mango, Veepee, Nuapay, Mastercard, Visa, Clearpay, Openpay, LayBuy, Splitit, iDeal, Bankgirocentralen, Bankgirot, Danske Bank, Handelsbanken, Nordea, Swedbank, SEB, OP Financial Group

목차

제1장 주요 요약

제2장 세계 시장 동향

  • 주요 온라인 결제 수단 : 응답자 대비 비율(2020년 8월)
  • 소비자가 내년에 사용을 검토하고 있는 주요 결제 수단 : 소비자 대비 비율(2021년 3월)
  • 이용 가능한 주요 결제 수단 - B2C/B2B : 지불 의사결정자 대비 비율(2020년)
  • Mobile Commerce 거래액 - E-Commerce 거래액 전체 대비 비율(2021년/2025년)
  • QR 코드 결제 : 디지털 지갑 결제액 전체 대비 비율(2020년/2025년)
  • 암호통화에 대한 인식 : 밀레니얼 세대 고객 대비 비율(2021년 3월)
  • 부정행위의 주요 결제 수단 : 부정행위 및 결제 전문가 대비 비율(2020년 8월)
  • E-Commerce 사기에 의한 손실액(2020년/2021년)
  • 얼굴 인식으로 결제하는 사용자 수(2020년/2025년)
  • 음성인식을 이용하여 거래를 확인하는 사용자 수(2020년/2025년)
  • 디지털 전업 은행으로 갈아탈 가능성이 있는 온라인 소비자 : 응답자 대비 비율(2020년 12월)

제3장 유럽

  • 지역 전체 상황 개요
  • 서유럽
    • 영국
    • 독일
    • 프랑스
    • 스페인
    • 이탈리아
    • 네덜란드
    • 스위스
    • 스웨덴
    • 벨기에
    • 노르웨이
    • 덴마크
    • 핀란드
    • 오스트리아
    • 포르투갈
LSH 21.07.15

Online payment methods followed an upward trend in Western Europe amid COVID-19: new yStats.com report.

The latest publication from Germany-based online research firm yStats.com, "Western Europe Online Payment Methods 2021" provides insights into the current state and future trends of the online payment market in the countries of Western Europe. The publication reveals that consumer interest towards digital payment is increasing in the region and that COVID-19 resulted in a faster transition from cash.

Western European consumers still tend to choose cards for online purchases

During the COVID-19 health crisis, debit and credit cards and E-Wallets such as PayPal appeared to be the most used payment methods when it comes to E-Commerce. Moreover, in some markets of Western Europe, including Germany and Italy, digital wallets even outpaced the cards. Furthermore, in Germany, Norway, Finland and Sweden direct payments via online banking ranked third among the most preferred payment methods for online shopping. Meanwhile, in Belgium, the Netherlands, and Denmark the third place was taken by various mobile apps, such as Banconect and Swish. Moreover, Bancontact online services accounted for nearly half of all B2C E-Commerce payments in 2020 in Belgium, and Swedish Swish was preferred by one-fifth of the Internet users in the country for online payments, according to recent research cited by yStats.com.

Contactless and mobile payments are accelerating in Western Europe

Furthermore, despite the strong cash culture in Western Europe, mobile payment adoption started increasing in the region, especially after the onset of the COVID-19 pandemic. The number of proximity mobile payment users in this part of Europe was predicted to increase steadily by CAGR 6% from 2020 to 2023. At the same time the preference for cash payments dropped compared to 2020. Moreover, contactless payments gained momentum during COVID-19. For example, in the UK, in 2020, every nine in ten purchases made with a card was contactless and, in the Netherlands, the share of contactless is increasing yearly, and in 2020 it constituted more than half of the total transaction value.

Covered Regions:

Western Europe.

Companies Mentioned:

Paypal, Klarna, Stripe, Robinhood, Checkout.com, Sentenial, Unifiedpost Group, Crossinx GmbH, Amazon Pay, Bancontact, VIPPS, American Express, Apple Pay, Google Pay, Ingenico, Glovo, Farfetch, Mango, Veepee, Nuapay, Mastercard, Visa, Clearpay, Openpay, LayBuy, Splitit, iDeal, Bankgirocentralen, Bankgirot, Danske bank, Handelsbanken, Nordea, Swedbank, SEB, OP Financial Group.

Table of Contents

1. Management Summary

2. Global Developments

  • Top Online Payment Methods, in % of Respondents, August 2020
  • Top Payment Methods Consumers Consider Using In the Next Year, in % of Consumers, March 2021
  • Top Payment Methods Available, by B2C and B2B, in % of Payment Decision-Makers, 2020
  • Share of Mobile Commerce Transaction Value, in % of Overall E-Commerce Transactions Value, 2021e & 2025f
  • Share of QR Code Payments, in % of All Digital Wallet Transactions, 2020 & 2025f
  • Perception of Cryptocurrency, in % of Millennial Customers, March 2021
  • Top Payments Methods For Fraud Actions, in % of Fraud & Payment Professionals, August 2020
  • Value of Losses Due to E-Commerce Fraud, in USD billion, 2020 & 2021e
  • Number Of Users Making Payment With Facial Recognition, in billions, 2020 & 2025f
  • Number Of Users Who Will Be Confirming Transactions With Voice Recognition, in millions, 2020 & 2025f
  • Share of Online Consumers, by Likelihood Of Switching To A Digital-Only Bank, in % of Respondents, December 2020

3. Europe

  • 3.1. Regional
    • Overview of Online & Mobile Trends, June 2021
    • Overview of News About Payment Industry Players, June 2021
    • Overview of The Council of the European Union's Plans Regarding Payment System, June 2021
    • Profile of Real-Time Payments, and Objectives of the European Commission for 2021, June 2021
    • Values of real-time Payments, in USD trillion, and Share of West Europe in the World's Total, in %, 2020 & 2025f
    • Share of SCT Inst in All SEPA Credit Transfer Transactions, October 2019 - September 2020
    • Average Daily Transaction Value via RT1 Real-Time Payments, in EUR million, and Month-on-Month Change, in %, January 2020 - November 2020
    • Top Payment Methods Preferred, in % of Respondents, September 2020
    • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, by 12 Selected Countries, May 2020
    • Breakdown of Select Payment Methods Offered by Merchants, by "Growth" and "Non-Growth" Mindsets of Merchants, in %, September 2020
    • Consumers Who Shopped Online Via Mobile Phone/Tablet At Least Once, by 12 Selected Countries, in % of Consumers, May 2020
    • Payment Behaviors When Shopping In Stores Impacted by COVID-19, in % of Respondents, September 2020
    • Consumers Who Were Willing To Share Their Data, by Country, in % of Consumers, March 2020
    • Breakdown of Organizations Where Consumers Share Their Personal Data, by the Degree of Willingness, in % of Consumers, March 2020
    • Proximity Mobile Payment Users, in millions, and Year-on-Year Change, in %, 2019 - 2023f
  • 3.2. Western Europe
    • 3.2.1. UK
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
      • Share of Contactless Card Payments Made In Stores, in % of Card Payments, 2020
      • Top Preferred Payment Methods, in % of Consumers, January 2021
      • Breakdown of Credit and BNPL Providers Used, in % of Respondents, October 2020
      • Value of Debit Card Spending, in GBP billion, July 2019 & July 2020
      • Value of Credit Card Spending, in GBP billion, July 2019 & July 2020
      • Value of Faster Payments via Pay.uk, in GBP billion, and Year-on-Year Change, in %, December 2019 - December 2020
      • Shares of Faster Payments in Total Payments, in %, November 2019 & November 2020
      • Cryptocurrency Adoption Rates, by Age Groups, in % of Current and Previous Cryptocurrency Owners, December 2018 & December 2019
      • Use of Cryptocurrencies, in % of Current and Previous Cryptocurrency Owners, December 2019
      • Breakdown of Adults' Attitudes Towards the Potential Increase of The Limit for Contactless Transactions, in %, February 2021
      • Top 3 Factors To Encourage Consumers To Try Open Banking Payment Method, in % of Online Shoppers, January 2021
      • Share of Consumers Who Did not Complete a Payment Online, in%, & Top Reasons for Not Completing a Payment Online, in % of Online Shoppers, January 2021
    • 3.2.2. Germany
      • Breakdown of E-Commerce Payment Methods, in % of E-Commerce Sales, 2020e
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
      • Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
      • Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
      • Top Preferred Payment Methods, in % of Consumers, January 2021
      • Breakdown of Preferred Payment Methods in Cross-Border B2C E-Commerce, incl., PayPal, Visa Credit Cards and MasterCard, in % of Online Retailers, Q1 2020
      • BNPL Adoption Rate, in % of Respondents Aware of BNPL, and Breakdown of Respondents Attitude Towards BNPL Usage in the Future, by Consumer Type, in % of BNPL Users, 2020
      • Breakdown of the Channels of the Last BNPL Payment, and the Potential BNPL Channel, in % of Respondents, 2020
      • Top Payment Methods Offered in Online Stores, in % of Online Retail Store Owners, February 2021
      • Breakdown of Payment Methods Offered in Online Stores, by Size of Enterprises, in % of Online Retail Store Owners, February 2021
      • Share Online Retail Store Owners Who Plan and Do not Plan to Offer Additional Payment Methods in the Future, in %, February 2021
      • Breakdown of Payment Methods That Will be More or Less Popular Among Customers in the Upcoming Years, by Decrease and Increase in Popularity, in % of Online Retail Store Owners, February 2021
      • Breakdown of Payment Methods That Will be More or Less Popular Among Customers in the Upcoming Years, by Decrease and Increase in Popularity, in % of Online Retail Store Owners, February 2021
      • Top Drivers of Sharing Personal Financial Data With a Primary Bank/Third Party Provider, in % of Internet Users, December 2020
      • Top Factors to Consider Sharing Financial Data With a Bank/Third Party Provider, in % of Internet Users, December 2020
      • Attitudes of Consumers Towards 2-Factor Authentication, August 2020
      • Top Factors Considered When Shopping & Paying Online, in % of Respondents, August 2020
      • Breakdown of Attitudes Towards a New EU Regulation for Online Payments, in % of Respondents, August 2020
      • Breakdown of Additional Authentication Types When Paying Online, in % of Respondents, August 2020
      • Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
      • Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
      • Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
    • 3.2.3. France
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
      • Top Preferred Payment Methods, in % of Consumers, January 2021
      • Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
      • Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
      • Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
    • 3.2.4. Spain
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
      • Payment Methods Used For Online Purchases, in % of Respondents, 2019 & 2020
      • Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
      • Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
      • Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
      • Share of Consumers Who Purchased and Did not Purchase Via a Mobile or a Tablet In the Last 12 Months, in %, 2019 & 2020
      • Share of Factors Valued the Most in Online Payments, in % of Respondents, 2019 & 2020
    • 3.2.5. Italy
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
      • Value of Contactless Payment Transactions, in EUR billion, 2018 - 2020
      • Value of Mobile & Wearable Payment Transactions In Stores, in EUR billion, 2019 & 2020
      • Value of Mobile Payment Transactions Outside the Store Transactions, in EUR billion, 2016 - 2020
      • Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
      • Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %,June 2020
      • Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
    • 3.2.6. Netherlands
      • Breakdown of Preferred Payment Methods, in % of Respondents, 2019 & 2020
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
      • Volume of Payment Transactions, by Credit Card, Debit Card and Cash, in billions, 2010 - 2020
      • Value of Payment Transactions, by Credit Card, Debit Card and Cash, in EUR billion, 2010 - 2020
      • Breakdown of Transactions Value, by Payment Methods, in % of Total Transactions Value, 2015 - 2020
      • Share of Top 3 Payment Methods, incl. Online Purchases & Spending, in % of Total Local & Cross-Border Market Share, 2020e
      • Share of Real-Time Payments in Total Single Credit Transfers, in %, November 2020
      • Volume of Real-Time Payments, in thousands, February 2019 & October 2020
    • 3.2.7. Switzerland
      • Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
      • Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
      • Breakdown of Payment Methods Used for Online Purchases, in % of Respondents, December 2020
      • Breakdown of Reasons to Choose an Online Payment Methods, in % of Respondents, December 2020
      • Value of Real-Time Payments via the Swiss Interbank Clearing (SIC) System, In CHF billion, and Year-on-Year Change, in %, January 2020 - October 2020
    • 3.2.8. Sweden
      • Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
      • Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
      • Project 27 Overview, June 2021
      • Share of Daily Real-Time Payments via the Bankgirot System, in % of Total, 2020
      • Number of Processed Transactions in the Bankgirot Real-Time Payment System, in millions, and Year-on-Year Growth, in %, January 2020 - November 2020
    • 3.2.9. Belgium
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
      • Top Payment Methods When Shopping Online, in %, H1 2020
      • Share of Respondents Aged 65-74 Year Old Who Made Contactless Payment At Least Once, in %, 2020 & 2021
      • Share of Respondents Who Paid Via Smartphone At Least Once, in %, 2020 & 2021
      • Share of Respondents Who Purchased Online Via a Mobile Device In the Last 12 Months, in %, 2019 & 2020
      • Breakdown of Shopping Channels To Be Considered In the Future When Purchasing New Products/Services Online, in % of Respondents, April 2020
    • 3.2.10. Norway
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
      • Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
      • Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
    • 3.2.11. Denmark
      • Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
      • Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
    • 3.2.12. Finland
      • Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
      • Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
      • Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
    • 3.2.13. Austria
      • Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
      • Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
      • Breakdown of Payment Methods Used for Online Purchases, in % of Respondents, December 2020
      • Breakdown of Reasons to Choose an Online Payment Method, in % of Respondents, December 2020
      • Top Internet Fraud Cases, in % of Respondents, November 2020
      • Factors That Would Make Online Shoppers Feel More Secure About Online Shopping, in % of Respondents, November 2020
    • 3.2.14. Portugal
      • Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2020
      • Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
      • Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
      • Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
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