Europe Digital Payments: Innovation, Fragmentation, and Unification
The digital payment landscape in Europe is characterized by a unique mix of pan-European standardization (driven by the EU) and strong national preferences for local payment schemes. This ecosystem is constantly evolving, with a clear trend toward real-time transfers, mobile wallets, and regulatory-driven Open Banking.
Dominant Digital Payment Methods
While the adoption varies significantly between countries, the most common digital payment methods across Europe fall into three main categories:
1. Cards (Debit/Credit/Contactless)
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