欧州のデジタル決済の概要 (2025年)：決済方法、動向、導入に関する洞察

欧州のデジタル決済の市場は2025年に大幅な成長を示す見通しです。

デジタルウォレットとモバイル決済が欧州で急成長：

デジタルウォレットは、スマートフォンの普及と、安全で手間のかからない決済手段を求める消費者のニーズの高まりによって、欧州で主導的な地位を占めつつあります。西欧では、英国jやドイツなどの国で、2024年には消費者の20%以上が毎週デジタルウォレットを利用するようになっています。一方、東欧ではトルコにおいて大きな成長が見られ、デジタルウォレットの導入率は2017年の5%未満から2023年には10%以上に上昇しました。

カード決済が依然として主流、非接触型決済が拡大：

代替決済手段が台頭しているものの、カードは依然として欧州の決済市場を支配しています。ドイツやフランスなどでは、消費者が迅速かつ安全な決済手段を求めていることから、非接触型決済が勢いを増しています。東欧では、トルコが引き続きカード中心の市場となっており、2023年にはオンライン決済の65%をクレジットカードとデビットカードが占めました。非接触型カードの利用も着実に増加しています。

インスタント決済とPay by Bankが人気を集める：

インスタント決済は、より迅速な取引を求める消費者のニーズに応えて、欧州の決済分野における主要な機能になりつつあります。Pay by Bankサービスは特にオランダで成長しており、銀行アプリとのスムーズな連携により、毎月の利用が活発になっています。西欧・東欧の両地域において、モバイル決済やインスタント決済、例えばトルコで普及が進んでいるQRコード決済などが急速に広がっています。

当レポートでは、欧州のデジタル決済の動向を調査し、欧州全体のデジタル決済の利用パターン、欧州全体の取引規模と決済手法、地域・主要国別の動向、オンライン決済の規模、消費者の動向と好みの分析などをまとめています。

目次

第1章 重要ポイント

第2章 マネジメントサマリー

第3章 地域概要：欧州の決済動向

• 欧州全体のデジタル決済利用パターン
  • デジタル決済を利用する回答者の割合
  • カテゴリー別デジタルウォレット導入率（店舗内）
  • カテゴリー別デジタルウォレット導入率（オンライン）
  • カテゴリー別デジタルウォレット導入率（アプリ内）
• 欧州全体の取引量と決済構成
  • 非現金取引の総額
  • B2B非現金取引の総額
  • 決済ミックス（新しい決済と従来の決済）
• 西欧におけるインスタントエコノミーの消費者動向
  • インスタントエコノミーにおける決済方法の利用頻度
  • オンライン決済におけるPay by Bankの利用意向
  • 消費者にとって魅力的なPay by Bankの特徴
  • オンラインでクレジットカードを使用する主な理由
  • オンライン決済方法選択時の消費者嗜好に影響を与える要因
• 西欧のeコマース市場概要
  • 小売Eコマースのシェア
  • 小売Eコマース売上
  • オンライン小売売上
• 欧州・中東・アフリカにおける決済収益の動向
  • 決済収益（タイプ別、商業・消費者別）
  • 決済収益のシェア
  • 決済収益
  • 決済市場の成長率（地域別）
  • 決済市場の収益シェア（地域別）

第4章 西欧のオンライン決済動向

• 英国
• フランス
• ドイツ
• スペイン
• オランダ
• イタリア
• ベルギー
• スウェーデン
• オーストリア
• スイス
• デンマーク
• フィンランド
• ノルウェー
• ポルトガル
• アイルランド

第5章 東欧のオンライン決済動向

• トルコ
• ポーランド
• チェコ共和国
• ハンガリー
• ギリシャ
• スロベニア
• ルーマニア
• スロバキア
• セルビア
• リトアニア
• ブルガリア
• クロアチア
• エストニア
• ラトビア

第6章 総論

yStats.com Reveals How Digital Payments in Europe Will Experience Significant Growth in 2025, Driven by Innovation in Payment Methods and Shifting Consumer Habits.

Digital Wallets and Mobile Payments Surge in Europe

Digital wallets are taking the lead in Europe, driven by the widespread use of smartphones and growing consumer demand for secure, hassle-free payment options. In Western Europe, countries like the UK and Germany have seen over 20% of consumers use digital wallets weekly in 2024. Meanwhile, in Eastern Europe, Turkey has experienced significant growth, with digital wallet adoption rising from under 5% in 2017 to over 10% in 2023.

Cards Maintain Dominance, Contactless Gains Ground

Even with the rise of alternative payment methods, cards continue to dominate Europe's payment market. Contactless payments have gained momentum in countries like Germany and France, where consumers demand fast and secure options. In Eastern Europe, Turkey remains card-heavy, with credit and debit cards accounting for 65% of online payments in 2023, and the use of contactless cards is steadily increasing.

Instant Payments and Pay by Bank Gaining Popularity

Instant payments are becoming a key feature in Europe's payment landscape, fueled by consumers' desire for faster transactions. Pay by Bank services are growing, particularly in the Netherlands, where monthly usage is strong due to smooth integration with banking apps. In both Western and Eastern Europe, mobile and instant payment methods, like QR code payments in Turkey, are quickly becoming more widespread.

Table of Contents

1. Key Takeaways

2. Management Summary

3. Regional Overview: Europe Payment Trends

• 3.1. Europe-Wide Digital Payment Usage Patterns
  • 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
• 3.2. Europe-Wide Transaction Volume and Payment Mix
  • 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
  • Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023
• 3.3. Instant Economy Consumer Trends in Western Europe
  • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • 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.
• 3.4. Western Europe E-Commerce Market Overview
  • 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
  • Online Retail Sales, in USD billion, 2023 & 2028f
• 3.5. 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

4. Western Europe Online Payment Trends

• 4.1. UK
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • Important Factors When Trying New Online Payment Methods, in %, 2024
  • Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • 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
  • Factors Influencing Consumers' Preferences When Selecting an Online Payment Method, in %, 2024
  • Share of Adults Using Selected Payment Methods for Online Purchases, by Payment Method, in %, 2024
  • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • Share of Adults Using Buy Now Pay Later Services, in %, 2022 and 2023
  • Cards Transaction Value, in USD trillion, 2023 & 2027f
  • Total Payments via Faster Payments and Remote Banking, in billions, 2023 & 2033f
  • Total Debit Card Payments, in billions, 2023 & 2033f
  • Contactless Debit and Credit Card Payment Volume, in billions, 2023 & 2033f
  • Bacs Direct Credit Payment Volume, in billions, 2023 & 2033f
  • Direct Debit Payment Volume, in billions, 2023 & 2033f
  • Share of Card Payments (Debit and Credit), in %, 2023 & 2033f
  • Share of Payments Made via Contactless Debit and Credit Cards, in %, 2033f
  • Share of Adults Using Online vs Mobile Banking, in %, 2023
• 4.2. France
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Share of Online Payment Methods Used by Online Shoppers, in %, 2024
  • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • Top Reasons for Using a Credit Card Online Among Adults Aged 60+, in % of Respondents, 2024
  • Factors Influencing Consumers' Pref. When Selecting an Online Payment Method, in %, 2024
  • Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • 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
  • Share of Respondents Familiar With Pay by Bank, in % of Respondents, 2024
  • Share of Respondents Who Have Never Used Pay by Bank Online, in %, 2024
  • Share of Adults Somewhat Familiar with Pay by Bank, Aged 18-29 and 60+, in %, 2024
  • Cards Transaction Value, in USD billion, 2024 & 2028f
  • Share of 18-24-Year-Olds Using Contactless Debit Cards, in %, 2023
  • Share of 18-24-Year-Olds Using Mobile Payment Services, in %, 2023
  • E-Commerce Market Value, in EUR billion, 2022 & 2023
• 4.3. Germany
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • E-Commerce Payment Methods by Revenue Share, in %, 2023
  • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 2024
  • 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
  • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • Top Reasons for Using a Credit Card Online, in % of Credit Card Users, 2024
  • Factors Influencing Consumers' Prefrences When Selecting an Online Payment Method, in %, 2024
  • E-Commerce Market Value, in USD billion, 2023 & 2027f
  • Breakdown of Payment Methods by Type, in %, 2023
  • Cards Transaction Value, in USD billion, 2023 & 2027f
  • Breakdown of Card Schemes by Market Share, in %, 2023
• 4.4. Spain
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • Share of Generation Z (Ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • Willingness to Try Pay by Bank for Online Payments, in % of Respondents, 2024
  • Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 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
  • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
• 4.5. Netherlands
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • Share of Consumers Using Pay by Bank at Least Monthly, in %, 2024
  • Share of Adults Using Pay by Bank Daily or Weekly, Aged 18-29 and 30-39, in %, 2024
  • 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' Pref. When Selecting an Online Payment Method, in %, 2024
  • Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 2024
  • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 4.6. Italy
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Breakdown of Online Transactions by Payment Method, in %, 2023
  • Breakdown of Payment Methods by Type, in %, 2023
  • Share of Consumers Increasing Card Use for Online vs. In-Store Purchases, in %, 2024
  • Breakdown of Gen Z Increasing Card Use for Online and In-Store Purchases, in %, 2024
  • Share of Consumers Preferring Credit or Debit Cards for Tracking Expenses & Convenience, in %, 2024
  • Share of Consumers Preferences for Digital Payments in Italy and Abroad, in %, 2024
  • Share of Millennials Prioritizing Discounts & Benefits Choosing Digital Payment Methods, in %, 2024
  • Share of Consumers Prioritizing Discounts & Benefits in Digital Payments, %, 2024
  • Main Factors for Choosing Digital Payments Over Cash, in %, 2024
  • Breakdown of Card Schemes by Market Share, in %, 2023
  • Cards Transaction Value, in USD billion, 2023 & 2027f
  • E-Commerce Market Value, in USD billion, 2023 & 2027f
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 4.7. Belgium
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
• 4.8. Sweden
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
• 4.9. Austria
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Share of Respondents Planning to Increase Mobile Payment Use in the Next Two Years, in %, 2023
  • Breakdown of Digital Wallet Usage by Type, in %, 2024
  • Cards Transaction Value, in USD billion, 2024 & 2028f
  • Share of Respondents Using Contactless Debit Cards and Cash, in %, 2020-2023
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 4.10. Switzerland
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Share of Respondents Preferring Digital Payment Providers for Payments, in %, 2023
  • Share of Mobile Payment Usage, by Payment Method, in %, 2021-2024 (Part 1 of 2)
  • Share of Mobile Payment Usage, by Payment Method, in %, 2021-2024 (Part 2 of 2)
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 4.11. Denmark
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
• 4.12. Finland
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Payment Method Usage Frequency in Instant Economy, in % of Consumers, 2024
  • Share of Young Adults Aged 18-29 Using Pay by Bank Daily or Weekly, in %, 2024
  • 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
  • Share of Generation Z (ages 18-29) Willing to Try New Online Payment Methods, in %, 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
  • Share of Respondents Using Contactless Debit Cards as the Most Frequent Paym. Meth., in %, 2023
  • Share of BNPL Usage Among Adults in Comparison to Europe, in %, 2024
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 4.13. Norway
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
• 4.14. Portugal
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
• 4.15. Ireland
  • Overview of Online Payment Methods and Consumer Preferences, March 2025
  • Share of Respondents Preferring Digital Payment Providers for Payments, in %, 2023
  • Share of 18-24-Year-Olds Using Mobile Payment Services, in %, 2023
  • Share of 18-24-Year-Olds Using Contactless Debit Cards, in %, 2023

5. Eastern Europe Online Payment Trends

• 5.1. Turkey
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Payment Methods and Consumer Trends in E-Commerce Overview, April 2025
  • Breakdown of Card Schemes by Market Share, in %, 2023
  • Breakdown of Payment Methods by Type, in %, 2023
• 5.2. Poland
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2023 & 2027f
  • Share of Payment Methods Used for Online Purchases, by Age, in % Online Shoppers, 2024
  • Share of Payment Methods Used for Online Purchases, by City Size, in % of Online Shoppers, 2024
  • Share of Payment Methods Used for Online Purchases, by Gender, in % of Online Shoppers, 2024
  • Reasons for Choosing Payment Methods for Online Purchases, by Age, in % Online Shoppers, 2024
  • Reasons for Choosing Payment Methods for Online Purchases, by Gender, in % Online Shoppers, 2024
  • Share of Online Payment Method Usage, in % of Internet Users, 2024
  • Share of BLIK Usage Among Young Adults, Aged 15-24 and 25-34, in %, 2024
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.3. Czech Republic
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2023 & 2027f
  • Share of 18-24-Year-Olds Preferring Mobile Wallets (Apple Pay, Google Pay), in %, 2024
  • Preferred Payment Methods, in % of Respondents, 2024
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.4. Hungary
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2023 & 2028f
  • Mobile Payment Adoption Rate, in %, 2022 & 2023
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.5. Greece
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2023 & 2027f
  • Share of Card Transaction Value, by Payment Channel, in %, 2021-2023e
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.6. Slovenia
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
  • Number of Contactless Payment Cards, in millions, 2023 & 2028f
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.7. Romania
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.8. Slovakia
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.9. Serbia
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2024 & 2028f
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.10. Lithuania
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2024 & 2028f
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.11. Bulgaria
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2023 & 2024 & 2028f
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.12. Croatia
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Cards Transaction Value, in USD billion, 2024 & 2028f
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.13. Estonia
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e
• 5.14. Latvia
  • Overview of Online Payment Methods and Consumer Preferences, April 2025
  • Share of Population Aged 16-74 Who Purchased Goods or Services Online, in %, 2019-2024e

6. Conclusion