歐洲金融科技行業(yè)市場前景及投資研究報告-培訓(xùn)課件外文版2024.4

DIGITAL

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TRENDSFintechinEuropeCHAPTER

01OverviewNumberoffintechsworldwidefrom2018to2024,byregionNumberoffintechsworldwide2018-2024,byregionAmericasEMEAAPAC35,00030,00025,00020,00015,00010,0005,00005,8865,0619,6816,2689,3234,7657,38510,9692,8643,5812,8493,58313,100202411,651202310,75520218,77520205,68620185,77920194Description:AsofJanuary2024,theAmericas(NorthAmerica,SouthAmerica,CentralAmerica,andtheCaribbean)weretheregionwiththelargestnumberoffintechsglobally.Therewereapproximately13,100fintechsintheAmericas,almost1,500morethanayearbeforethat.Incomparison,therewere10,969fintechsintheEMEAregion(Europe,theMiddleEast,andAfrica)and5,886intheAsiaPacificregion.In2023,theUnitedStatesrankedfirstintermsofthenumberoffintechunicornsglobally,[...]ReadmoreNote(s):2018to2024Source(s):BCG;CrunchBase;NumberoffintechusersinEuropefrom2018to2028,bysegment(inmillions)NumberoffintechusersinEurope2018-2028,bysegmentDigitalPaymentsDigitalAssetsNeobankingDigitalInvestment8007006005004003002001000201820192020202120222023202420252026202720285Description:Overthelasttwoobservations,thenumberofusersisforecasttosignificantlyincreaseinallsegments.Thetrendobservedfrom2018to2028remainsconsistentthroughouttheentireforecastperiod.Thereisacontinuousincreaseintheindicatoracrossallsegments.Notably,theDigitalPaymentssegmentachievesthehighestvalueof674.62millionusersat2028.ReadmoreNote(s):Europe;2018to2028;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsNumberoffintechusersinselectedEuropeancountriesin2023(inmillions)NumberoffintechusersinEurope2023,bycountryNumberofusersinmillions600204080100120UnitedKingdomGermanyFrance106.5396.479.4Italy57.4950.52SpainNetherlandsSweden22.6512.7612.4BelgiumSwitzerlandPortugalDenmarkIreland11.039.237.977.326Description:In2023,theUnitedKingdom(UK)hadthehighestnumberoffintechusersinEurope,withanestimated106.53millionusers.TheUKwasfollowedbyGermanyandFrance,with96.4and79.4millionusers,respectively.FurtherinformationandmethodologynotescanbefindinStatista'sDigitalMarketInsights.ReadmoreNote(s):Belgium,Denmark,France,Germany,Ireland,Italy,Netherlands,Portugal,Spain,Sweden,Switzerland,UnitedKingdom;2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsFintechrevenueinselectedEuropeancountriesin2023(inmillionU.S.dollars)FintechrevenueinEurope2023,bycountryRevenueinmillionU.S.dollars1,500

2,00005001,0002,5003,0003,5004,000UnitedKingdomGermanyFrance3,365.12,963.91,511.31,411.4SpainItaly995.6991.2NetherlandsSwitzerlandBelgiumSweden694.03505.68476.81393.3240.24158.38IrelandDenmarkPortugal7Description:In2023,thevalueofrevenuegeneratedinthefintechsectorintheUnitedKingdom(UK)wasestimatedat3.36billionU.S.dollars,makingtheUKtheleadingEuropeancountryintermsoffintechrevenue.GermanyandFrancefollowed,with2.9and1.5billionU.S.dollars,respectively.FurtherinformationandmethodologynotescanbefindinStatista's?DigitalMarketInsights.ReadmoreNote(s):Belgium,Denmark,France,Germany,Ireland,Italy,Netherlands,Portugal,Spain,Sweden,Switzerland,UnitedKingdom;2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):FintechtransactionvalueinEuropein2023,bycountry(inbillionU.S.dollars)FintechtransactionvalueinEurope2023,bycountryTransactionvalueinbillionU.S.dollars600

80002004001,0001,2001,215.431,400UnitedKingdomFrance471.47456.28NetherlandsGermanySwitzerlandItaly354240.55233.56Sweden168.11162.53149.28144.24137.21SpainDenmarkIrelandBelgiumPortugal80.378Description:In2023,thevalueoffintechtransactionsexceeded1.2trillionU.S.dollarsintheUnitedKingdom,makingittheEuropeanmarketwiththehighestfintechtransactiongenerated.TheUnitedKingdomwasfollowedbyFranceandtheNetherlands,withroughly471.5and456.3billionU.S.dollars,respectively.FurtherinformationandmethodologynotescanbefindinStatista'sDigitalMarketInsights.ReadmoreNote(s):Belgium,Denmark,France,Germany,Ireland,Italy,Netherlands,Portugal,Spain,Sweden,Switzerland,UnitedKingdom;2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsAssetsundermanagement(AUM)offintechsectorinselectedEuropeancountriesin2023(inbillionU.S.dollars)AssetsundermanagementoffintechsectorinEurope2023,bycountryAssetsundermanagementinbillionU.S.dollars010203040506070UnitedKingdomGermanyItaly61.9348.4238.59France37.51Spain28.45NetherlandsIreland20.4512.75BelgiumSwitzerlandSweden8.627.795.2PortugalDenmark4.883.29Description:Theindicator'AssetsunderManagement'rankinginthe'DigitalInvestment'segmentofthefintechmarketisleadbytheUnitedKingdomwith61.93billionU.S.dollars,whileGermanyisfollowingwith48.42billionU.S.dollars.Incontrast,Denmarkisatthebottomoftherankingwith3.2billionU.S.dollars,showingadifferenceof58.73billionU.S.dollarstotheUnitedKingdom.ReadmoreNote(s):Belgium,Denmark,France,Germany,Ireland,Italy,Netherlands,Portugal,Spain,Sweden,Switzerland,UnitedKingdom;Jan1sttoDec31st2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsLeadingfintechunicornsinEuropeasofOctober2023,bymarketvaluation(inbillionU.S.dollars)BiggestfintechunicornsfromEuropebasedonmarketvaluein2023Country

oforiginUnitedKingdomUnitedKingdomUnitedKingdomGermanyLastknown

valuationRevolut3314BCN26119.238.758.5RapydUnitedKingdomUnitedKingdomSwedenSumUpKlarna6.7MollieNetherlandsNetherlandsGermany6.5Mambu5.5TradeRepublic5.3610Description:AsofOctober2023,RevolutwasthefintechcompanywiththehighestmarketvaluationinEurope.TheLondon-basedneobankhadamarketvaluationof33billionU.S.dollars.In2022,Revoluthadmorethan?25millioncustomers,makingitthemostwidelyusedneobankinEurope.Bwasthesecond-largestfintechunicorninEurope,withamarketvalueof14billionU.S.dollars.ReadmoreNote(s):Europe;October19,2024Source(s):CBInsightsCHAPTER

02InvestmentlandscapeTotalvalueofinvestmentintofintechinEurope,MiddleEastandAfrica(EMEA)from1stquarter2017to4thquarter2023(inbillionU.S.dollars)ValueofinvestmentintofintechinEMEAQ12017-Q420236050403020100Q1

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202312Description:InvestmentsintofintechcompaniesinEurope,theMiddleEastandAfrica(EMEA)decreasednotablyin2022,witheachquarterrecordinglowerinvestmentvaluesthanthepreviousone.Inthefourthquarterof2022,thetotalvalueofinvestmentswas6.8billionU.S.dollars,thelowestvaluesincethesecondquarterof2020.Investmentsremainedlowinthefirsthalfof2023aswell,rosesharplyinthethirdquarter,anddroppedto4.2billionU.S.dollarsinthelastquarteroftheyear.

ReadmoreNote(s):Q12017toQ42023Source(s):KPMG;PitchBookNumberoffintechinvestmentdealsinEurope,MiddleEastandAfrica(EMEA)from2017to2023NumberofinvestmentdealsinfintechinEMEA2017-20233,0002,5002,0002,5912,4781,7011,5141,4871,5001,2179951,0005000201720182019202020212022202313Description:Therewereatotalnumberof2,373venturecapital,privateequityandM&AdealsinfintechinEurope,theMiddleEastandAfricain2022,whichwasslightlylowerthanin2021,butremainedwellabovethedealcountin2020.Thedownwardtrendcontinuedin2023,with1,514registereddeals.ThelargestEuropeanfintechdealin2023hadadealvalueof6.9billionU.S.dollars.ReadmoreNote(s):Africa,Europe,MENA;2017to2023Source(s):KPMG;PitchBookValueofventurecapital,mergersandacquisitions,andprivateequityinvestmentintofintechinEurope,MiddleEastandAfrica(EMEA)from2017to2023,bytypeofinvestmentValueofinvestmentintofintechinEMEA2017-2023,bytypeofinvestmentVenturecapitalM&APrivateequity605040302010052.745.336.329.228.418.214.812.811.811.38.27.954.84.532.072.10.6710.26201720182019202020212022202314Description:ThetotalinvestmentvalueinfintechinEurope,MiddleEastandAfrica(EMEA)droppedsharplyin2023,reaching24.5billionU.S.dollars.Thiswasroughlyhalftheamountoftotalfundingin2022.ThedecreaseinfundingwasparticularlysharpintheM&Asegment,butventurecapitalinvestmentdroppednotablyaswell.Privateequityinvestment,ontheotherhand,morethandoubled,reachingalmosteightbillionU.S.dollars.ReadmoreNote(s):Africa,Europe,MENA;2017to2023Source(s):KPMG;PitchBookValueofventurecapital(VC)investmentinfintechinEurope,MiddleEastandAfrica(EMEA)from1stquarter2019to4thquarter2023(inbillionU.S.dollars)VenturecapitalraisedbyfintechcompaniesinEMEAQ12019-Q420231210.2109.28.7864206.96.86.75.64.3Q33.7Q13.7Q43.4Q42.8Q42.7Q12.5Q22.4Q22.3Q21.9Q11.9Q31.7Q31.7Q4Q1Q2Q3Q4Q1Q2Q32019

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202315Description:2021wasarecordyearinEurope,theMiddleEastandAfrica(EMEA)intermsofventurecapital(VC)investmentinfintechs.Inthefirsthalfof2021,thefintechsectorraisedmoreVCinvestmentsthanin2020overall.ThevalueofVCinvestmentsremainedsimilarlyhighfortherestoftheyear.However,2022sawasharplydecreasingtrendtowardstheendoftheyear,withalmosteachquartermeasuringlowerVCinvestmentsintofintechsthanthepreviousone.Investmentactivity[...]

ReadmoreNote(s):Africa,Europe,MENA;Q12019toQ42023Source(s):KPMG;PitchBookLargestfintechdealsinEurope,theMiddleEastandAfricain2022and2023(inbillionU.S.dollars)LargestfintechinvestmentdealsinEMEA2022-2023ValueinbillionU.Sdollars2023

2022012345678Sia(Italy)Tink(Sweden)3.92.1InteractiveInvestor(UK)FNZ(UK)1.81.4TradeRepublic(Germany)C(UK)NucleusFinancialGroup(UK)Klarna(Sweden)1.1510.840.80.740.7Spartfin(France)InternationalGameTechnology(UK)Finastra(UK)6.90.95Tabby(UAE)16Description:ThelargestfintechdealinEurope,theMiddleEastandAfrica(EMEA)in2022wasItalianpaymentsplatformSia,withanM&Adealof3.9billionU.S.dollars.In2023,therecapitalizationofFinastrawasthelargestfintechdeal,withadealvalueof6.9billionU.S.dollars.Thiswastheonlymultibillion-dollardealintheregionin2023.ReadmoreNote(s):Europe,MENA;2022and2023Source(s):KPMG;PitchBookLargestfintechinvestmentdealsinEuropeancountriesin2023(inbillionU.S.dollars)LargestfintechinvestmentdealsinEurope2023InvestmentvalueinbillionU.S.dollars012345678Finastra(UK-payments)MacrobondFinancial(Sweden-institutional/B2B)PayU(Netherlands-payments)6.90.760.61Abound(UK-consumerfinance)0.60.550.49BancoBPM(Italy-banking)Ledger(France-blockchain)Nomentia(Finland-institutional/back-officeUpdraft(UK-consumerlending)0.390.3417Description:TheUnitedKingdom(UK)wastheleadingplayerintermsofthelargestfintechinvestmentdealsinEuropein2023.ThreeoutofthetenlargestfintechdealstookplaceintheUK.In2023,therecapitalizationofFinastrawasthelargestfintechdealinEurope,withadealvalueof6.9billionU.S.dollars.Duringthisperiod,thiswastheonlymultibillion-dollardealinEurope.ReadmoreNote(s):Europe;2023Source(s):KPMG;PitchBookValueofinvestmentinthefintechsectorinEuropein2023,bycountry(inbillionU.S.dollars)LeadingcountriesinEuropebyfintechinvestmentvalue2023InvestmentvalueinbillionU.S.dollars0123456UnitedKingdomFrance5.11.21.1GermanySwitzerlandNetherlandsSpain0.590.260.24Sweden0.20.11DenmarkItaly0.10.1Belgium18Description:TheUnitedKingdomaccountedforthehighestvalueoffintechinvestmentinEuropein2023,withthetotalinvestmentvalueexceedingfivebillionU.S.dollars.ThiswassignificantlyhigherthanthevalueofinvestmentinFrance,thecountrywiththesecond-highestfintechinvestmentvalue.Germanyrankedthird,completingthelistofEuropeancountrieswhosefintechinvestmentvalueexceededonebillionU.S.dollars.ReadmoreNote(s):Europe;2023Source(s):InnovateFinanceNumberofinvestmentsinthefintechsectorinEuropein2023,bycountryLeadingcountriesinEuropebynumberoffintechinvestmentdeals2023Numberofdeals05010097150200250300350400450UnitedKingdomFrance409GermanySwitzerlandSpain867654NetherlandsSweden393631ItalyDenmarkBelgium20919Description:In2023,theUnitedKingdomsawbyfarthelargestnumberoffintechinvestmentdealsinEurope.Therewere409investmentdealsintheUKthatyear,overfourtimeshigherthaninFrance,whichsawthesecond-highestnumberofdeals.Germanyrankedthird,with86dealsregistered.ReadmoreNote(s):Europe;2023Source(s):InnovateFinanceCHAPTER

03DigitalbanksNumberofdigitalbanksinEuropefrom2014to2022NumberofdigitalbanksinEurope2014-202218016216115816014114012010080131112938157604020020142015201620172018201920202021202221Description:ThenumberofdigitalbanksinEuropegrewsteadilybetween2014and2022,althoughthegrowthratesloweddownsignificantlyin2021and2022.Asof2022,therewere162digitalbanksinEurope,onlyonemorethanayearbeforethat,andfourmorethanin2020.Incomparison,thenumberofdigitalbanksinEuropedoubledbetween2014and2017.In2022,theleadingneobankbasedonthenumberofcustomerswasRevolut,followedbyWise.

ReadmoreNote(s):Europe;2014to2022Source(s):BPC;FincogNetinterestincomeofthedigitalbankingindustryinEuropeinfrom2017to2023,withforecastsfrom2024to2028(inbillionU.S.dollars)NetinterestincomeofdigitalbanksinEurope2017-2023,withforecaststo2028600547.51512.655004003002001000470.27420.3356.82280.85190.112022139.08202181.04202046.323.02201813.152017201920232024202520262027202822Description:ThenetinterestincomeofthedigitalbankingindustryinEuropemultipliedinrecentyears,280.85billionU.S.dollarsin2023.AccordingtoFinancialMarketInsights,thenetinterestincomeofdigitalbankswillincreaseevenfurtherinthefollowingyears,exceeding547.5billionU.S.dollarsin2028.ReadmoreNote(s):EuropeSource(s):ValueofcustomerdepositsatdigitalbanksinEuropeinfrom2017to2023,withforecastsfrom2024to2028(inbillionU.S.dollars)ValueofdepositsatdigitalbanksinEurope2017-2023,withforecaststo2028181615.7514.8213.671412.281210.48108.2985.7464204.362.61.450.810.4520172018201920202021202220232024202520262027202823Description:Between2017and2023,thevalueofcustomerdepositsatdigitalbanksinEuropegrewsharply,reaching9.29trillionU.S.dollarsin2023.AccordingtoStatista'sFinancialMarketInsights,thevalueofdepositsisforecasttogrowevenfurtherinthefollowingyears.By2028,thetotalvalueofcustomerdepositsisestimatedtoexceed15trillionU.S.dollars."ReadmoreNote(s):Source(s):PenetrationrateofonlinebankinginEuropein2023,bycountryOnlinebankingpenetrationinEurope2023,bycountryShareofindividuals0%10%20%30%40%50%60%70%80%90%100%110%NorwayDenmarkNetherlandsFinland96.85%96.22%95.13%94.48%Estonia84.89%SwedenSwitzerlandLatvia84.49%83.8%83.74%82.87%Ireland*CzechiaBelgiumAustria79.84%79.6%77.17%75.73%Lithuania24Description:In2023,NorwayhadthehighestinternetbankingpenetrationrateamongtheobservedEuropeancountries,with96.85percent.ItwasfollowedbyanotherScandinaviancountry,Denmark,withapenetrationrateof96.22percent.TheNetherlandsrankedthird,with95.13percent.ReadmoreNote(s):Europe;2023;16to74years;*2022data.

TheEUsurveyontheuseofInformationandCommunicationTechnologies(ICT)inhouseholdsandbyindividualsisanannualsurveyconductedsince2002aimingatcollectinganddisseminating[...]

ReadmoreSource(s):EurostatNumberofcustomersatselecteddigitalbanksinEuropein2023(inmillions)NumberofcustomersatselecteddigitalbanksinEurope2023Numberofcustomersinmillions15

20051025303540Revolut(Oct2023)Wise(Mar2023)3516N26(Nov2023)8Monzo(May2023)StarlingBank(Mar2023)Monese(2023)7.53.6225Description:InFebruary2018,theLondon-basedapp-onlybank,Revolut,announcedthattheyhit1.5millioncustomers,afigurethathasgrownto25millionbyNovember2022andto35millionbyNovember2023.Theincredibleaccelerationofnewcustomersjoiningdigital-onlybankshasbeenmirroredbytheBerlin-basedN26whohaveseentheircustomerbasereachingeightmillioninOctober2022,andfellowLondon-headquarteredMonzo.Revolut'squicklyincreasingcustomerbasecanalsobe[...]

ReadmoreNote(s):Europe;2023Source(s):VarioussourcesTotalvalueoffundingatselectdigitalbanksinEuropeasofFebruary2024(inbillionU.Sdollars)LargestEuropeandigitalbanks2024,byfundingamountValueoffundinginbillionU.Sdollars0.00.20.40.60.81.01.21.41.61.8RevolutN261.71.71.7WiseMonzo1.11.1StarlingBankOakNorthAtomBankBunq10.850.34Monese0.2126Description:ThethreeleadingEuropeandigitalbanksintermsoftotalfundingamountasofFebruary2024wereRevolut,N26,andWise,allofthemsecuring1.7billionU.S.dollarsinfunding.MonzoandStarlingBankfollowed,withafundingof1.1billionU.S.dollars,andOakNorthrankedfifth.ReadmoreNote(s):Europe;February2024Source(s):CrunchBase;NumberofcountriesofoperationforselectEuropeanonlineonlybanksworldwideasofFebruary2024LargestEuropeandigitalbanks2024,bynumberofcountriesofoperationNumberofcountries40010203050607080WiseRevolut7338StarlingBankBunq3430N2624Monese2027Description:AsofFebruary2024,customersofWisecouldsendmoneyto74countriesacrosstheworld.Atthesametime,Revolutwasavailablein38countries.TheBerlin-basedN26operatedin24countries.BothRevolutandN26experiencedarapidexpansionofcustomerbaseinrecentyears,withRevolutreaching35millioncustomersinOctober2023.ReadmoreNote(s):Europe;April2023Source(s):Varioussources(pressreleases,reports,announcements)LargestunicornonlinebanksinEuropeasofOctober2023,bymarketvalue(inbillionU.S.dollars)LeadingonlinebankunicornsinEurope2023,bymarketvalueMarketvalueinbillionU.Sdollars15051020253035RevolutN26339.23OakNorthBankMonzo54.5StarlingBankLunar2.692Bunq1.828Description:Revolut,whichwasworth1.7billioneurosasofAugust2018,becameaunicorninApril2018andtookonlythreeyearsfromfoundingtohavingavaluationofoveronebillionU.Sdollars.AsofOctober2023,theLondon-basedneobankhadamarketvalueof33billionU.S.dollars,makingitbyfarthehighestvaluedunicornonlinebankinEurope.ReadmoreNote(s):Europe;October19,2023Source(s):CBInsightsForecastedgrowthincustomersofRevolutandN26from2018to2024(inmillions)EstimatedcustomergrowthofRevolutandN262018-2024RevolutN265045403530252015105029Description:BothRevolutandN26sawarapidlygrowingcustomerbasebetween2018and2023.Revolutannounceditsmilestoneof35millioncustomersinOctober2023,whileN26reachedeightmillioncustomersinNovember2023.Ifbothcompaniescontinuetheircurrenttrendsinnewcustomers,theycouldseeacombinedtotalofmorethan55millioncustomersbyDecember2024.Alongwiththenumberofcustomers,thebrandvalueofRevolutalsoincreasedrapidlyinthelastfewyears[...]

ReadmoreNote(s):Europe;February2018toDecember2024Source(s):estimates;Varioussources(pressreleases)CHAPTER

04DigitalpaymentsNumberofcashlesstransactionsworldwidefrom2013to2021,withforecastsfrom2022to2027,byregion(inbillions)Numberofdigitalpaymentsworldwide2013-2021withforecaststo2027,byregionAsia-PacificEuropeNorthAmericaLatinAmericaMiddleEast,Africa(MEA)2,5002,0001,5001,00050002013201420152016201720182019202020212022202320242026202731Description:ThenumberofcashlesspaymentsinAsia-PacificisforecasttobehigherthantransactionsinEuropeandNorthAmericacombined.ThisisaccordingtoresearchfromCapgeminiResearchInstituteforFinancialServicesAnalysis.In2022-themostrecentyearestimatedbythesource-440billionU.S.dollarsinnon-cashtransactionswerecarriedoutinAsia-Pacific.EuropeandNorthAmericafollowed,with254.6and204.4billionU.S.dollarsintransactionsrespectively.From2022onwards-[...]

ReadmoreNote(s):Worldwide;October2023Source(s):BankforInternationalSettlements;Capgemini;ECBMarketshareofdigital/mobilewalletsintotale-commercetransactionvalueworldwidein2022withaforecastfor2026,byregionDigitalwalletsshareine-commerceworldwide2022,byregion2022202680%70%60%50%40%30%20%10%0%73%69%54%49%41%32%32%29%28%27%21%20%WorldwideAsiaPacificNorthAmericaEuropeLatinAmericaMiddleEast&Africa32Description:DigitalwalletsweresignificantlymoreusedinAsia-Pacificthaninotherpartsoftheworldin2022.Walletsaccountedforalmost70percentofe-commercepaymentsintheregion,morethanroughly20percentinbothLatinAmericaandMEA.Walletsaccountedforlessthanhalfofglobale-commercepaymenttransactions,whichwillincreaseto54percentin2026.ReadmoreNote(s):Worldwide;March2023Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayPenetrationrateofmobilePOSpaymentsin34countriesworldwidein2023MobilePOSpaymentpenetrationratein34countriesworldwide2023Penetrationrate20%0%5%10%15%25%30%35%40%45%ChinaVietnam38.25%30.09%SouthKoreaSwedenSaudiArabiaIndia27.99%24.6%23.61%22.77%UnitedKingdomUnitedArabEmiratesDenmark22.66%22.37%21.41%20.94%20.28%JapanCanadaGermany20.2%20%Austria33Description:Fromtheselectedregions,therankingbypenetrationrateinthe'MobilePOSPayments'segmentofthefintechmarketisleadbyChinawith38.25percentandisfollowedbyVietnam(30.09percent).Incontrast,therankingistrailedbyUgandawith10.36percent,recordingadifferenceof27.89percentagepointstoChina.ReadmoreNote(s):Worldwide;Jan1sttoDec31st2023Source(s):DigitalMarketInsightsApplePayusageeitherforonlinepaymentsoratPOSinvariouscountriesworldwideasofDecember2023ApplePaypenetration,onlineandoffline,in19countriesworldwideinQ42023Stores,

restaurants

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POSOnline39%34%38%37%19%20%27%31%23%17%17%13%13%UnitedKingdomCanada68%65%60%53%60%55%45%41%43%45%38%35%30%UnitedStatesAustraliaFranceAustriaSwedenSwitzerlandNetherlandsGermanyFinlandItalySpain34Description:ApplePayuseintheUnitedStateswashigherthaninFranceorCanadabyearly2023,althoughnotwhenitcametoin-storepayments.WhencomparingtwoquestionsfromStatista'sConsumerInsights,sixoutof10respondentsfromFranceindicatedtheyhadusedApplePayinastoreorrestaurant-withanadditionaltwooutof10sayingtheyusedApplePayduringthissametimeforonlinepayments.ThemarketshareofApplePayonwebsiteswasalsohigherintheUnitedStates,[...]

ReadmoreNote(s):Worldwide;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Internetusers;respondentswhousedonlinepaymentmethodsSource(s):ConsumerInsightsPayPalusageeitherforonlinepaymentsoratPOSinvariouscountriesworldwideasofDecember2023PayPalpenetration,onlineandoffline,in21countriesworldwideinQ42023Stores,

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POSOnline84%91%79%89%85%79%85%82%82%80%81%68%80%Mexico64%50%58%48%41%46%39%33%30%30%29%23%0%GermanyUnitedStatesItalySpainBrazilFranceAustriaUnitedKingdomCanadaAustraliaNetherlandsSouthAfrica35Description:PayPalwasusedmoreoftenforonlinepaymentsinbothGermanyandBrazilthanintheUnitedStates.ThisrevealsitselfwhencomparingtwoquestionsfromStatista'sConsumerInsights.Nearlyfiveoutof10consumersfromGermanyrepliedtheyhadusedPayPalinastoreorrestaurantbetweenApril2022andMarch2023-withnineoutoftenstatingtheyhadusedPayPalinonlinepayments.Interestingly,theglobalusercountofPayPaldeclinedthroughout2023.ReadmoreNote(s):Worldwide;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Internetusers;RespondentswhousedonlinepaymentmethodsSource(s):ConsumerInsightsGooglePayusageeitherforonlinepaymentsoratPOSinvariouscountriesworldwideasofDecember2023GooglePaypenetration,onlineandoffline,in19countriesworldwideinQ42023Stores,

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POSOnline79%39%31%29%28%31%25%26%25%25%19%25%17%India82%33%36%32%30%26%31%27%27%27%32%25%32%PolandUnitedStatesFinlandCanadaBrazilUnitedKingdomSouthAfricaSwitzerlandSpainItalyAustraliaGermany36Description:GooglePaywasusedmoreoftenforin-s