葡萄牙數(shù)字支付行業(yè)市場前景及投資研究報告-培訓課件外文版2024.5微信支付寶

DIGITAL

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TRENDSDigitalpaymentsinPortugalCHAPTER

01OverviewPaymentoptionsofferedbyenterprisesinPortugalin2023PaymentoptionsofferedbyenterprisesinPortugal202370%63%62%60%50%40%30%20%10%0%54%51%50%46%26%26%24%20%20%16%15%11%10%4Description:In2023,inPortugal,debitorcreditcardpaymentwasthemostcommonpaymentoffer,asitwaspresentin63percentofenterprises.Banktransferfollowedclosely,beingofferedby62percentofenterprises.Thirdly,MBWaywasofferedby54percentofbusinesses.ReadmoreNote(s):Portugal;February2023;1,130respondentsand105enterprises*;18-65yearsold;ResidentsinPortugal;*Thesurveywasansweredby1,130consumersandby105enterpriseswithmorethan100employees.

ReadmoreSource(s):Adyen;SapoNumberofestablishmentsprovidingpaymentservicesinPortugalfrom2018to2022,bytypeNumberofpaymentestablishmentsinPortugal2018-2022,bytypeNumberofestablishmentsCreditinstitutionsofferingpaymentservicesCreditinstitutions'officesofferingpaymentservicesInstitutionsofferingpaymentservicesOfficesofferingpaymentservices01,0002,0003,0004,0005,0006,0007,000201820192020202120225Description:InPortugal,therewere477paymentinstitutionsin2022,whiletherewereonly145creditinstitutionsofferingpaymentservices.Thenumberofofficesofferingpaymentservicesincreasedfrom5,845,in2018,to5,854,in2022.Theofficesofcreditinstitutionsofferingpaymentservicesdecreasedfrom4.2thousand,in2018,to3.4thousand,in2022.ReadmoreNote(s):Portugal;2018to2022Source(s):BancodePortugalNumberofbankingoperationsinPortugalfrom2018to2022,bytypeofpaymentinstrument(inmillions)NumberofbankingoperationsinPortugal2018-2022,bytypeofpaymentinstrumentElectroniccredittransfersDirectdebitinstructionsDebitcardoperationsCreditcardoperationsPaymentcardoperations*3,0002,5002,0001,5001,0005000201820192020202120226Description:InPortugal,thenumberofbankingoperationsincreasedovertheperiodconsideredforalltypesofpaymentinstruments.In2022,electroniccredittransfersamountedto370million,surpassingdirectdebitsandcreditcardtransactions,whichtotaled259millionand165million,respectively.Debitcardoperationsrosefrom1.7billion,in2018,toover2.4billion,in2022.ReadmoreNote(s):Portugal;2018to2022;*Paymentcardoperationsresultfromthesumofdebitcardandcreditcardoperations.ReadmoreSource(s):BancodePortugalValueofbankingoperationsinPortugalfrom2018to2022,bytypeofpaymentinstrument(inbillioneuros)ValueofbankingoperationsinPortugal2018-2022,bytypeofpaymentinstrumentElectroniccredittransfersDirectdebitinstructionsDebitcardoperationsCreditcardoperationsPaymentcardoperations*1,6001,4001,2001,0008006004002000201820192020202120227Description:InPortugal,thevalueofbankingoperationsincreasedduringtheconsideredperiodforalltypesofpaymentinstruments.In2022,thereweremorethan128billioneurostransactedaspartofpaymentcardoperations.Directdebitinstructionsreachedthevalueofalmost40billioneuros,surpassingonlycreditcardoperations.Thehighestvaluewasreachedbyelectroniccredittransfers,whichamountedto1.5trillioneuros.

ReadmoreNote(s):Portugal;2018to2022;*Paymentcardoperationsresultfromthesumofdebitcardandcreditcardoperations.ReadmoreSource(s):BancodePortugalNumberofdigitalpaymentoperationsinPortugalfromJanuary2022toJune2023(inmillions)MonthlynumberofdigitalpaymentoperationsinPortugal2022-2023165160.9157.5154.8155149.3148.5148142.8145142141.7138.6138.2136.6133.8135125115105131.8128.6125.2114.1111.9Jan2022

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Jun20232023202220228Description:InPortugal,duringtheconsideredperiod,thenumberofdigitalpaymentoperationsfluctuated.February2022registeredthelowestnumberoftheseoperations,namelyalmost112million.Onthecontrary,December2022recordedthehighestvaluewithalmost161milliondigitalpaymentoperations.Intotal,therewere2.5billionoperationstakingplacebetweenJanuary2022andJune2023withcardsissuedinPortugal.ReadmoreNote(s):Portugal;January2022toJune2023Source(s):SIBSValueofdigitalpaymentoperationsinPortugalfromJanuary2022toJune2023(inbillioneuros)MonthlyvalueofdigitalpaymentoperationsinPortugal2022-20237.57.06.57.176.96.36.16.16.15.95.96.05.55.04.54.05.75.55.55.45.24.94.84.34.3Jan2022

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Jun202320239Description:InPortugal,duringtheconsideredperiod,thetotalvalueofdigitalpaymentoperationsamountedto103.1billioneuros.InJanuaryandFebruary2022,theamountofmoneydigitallytransactedforpaymentpurposeswasthelowest,namely4.3billioneuros.December2022recordedthehighestvalue,7.1billioneuros.ReadmoreNote(s):Portugal;January2022toJune2023Source(s):SIBSAveragevalueofdigitalpaymentoperationsinPortugalfromJanuary2022toJune2023(ineuros)MonthlyaveragevalueofdigitalpaymentoperationsinPortugal2022-202347.046.045.046.244.444.344.244.144.043.042.041.040.039.038.037.04341.640.94039.839.839.738.838.738.538.33837.9Jan2022

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Jun2023202310Description:InPortugal,duringtheobservedperiod,41.2eurosweretransactedindigitalpayments,onaverage.InApril2022,theaveragevalueofdigitalpaymentoperationsamountedto37.9euros.InMarch2023,thisfigureroseto46.2euros.

ReadmoreNote(s):Portugal;January2022toJune2023Source(s):SIBSNumberofdigitalpaymentoperationsinPortugalfromJanuary2022toJune2023,bysector(inmillions)NumberofdigitalpaymentoperationsinPortugal2022-2023,bysectorNumberofoperations300

4000100200500600700800900SupermarketsandhypermarketsRestaurantandcateringservicesGasstations813.4453.5178.3PharmaciesandparapharmaciesFashionandaccessoriesTraditionaltrade99.989.771.2Rawmaterials67.867.166.5TelecommunicationsandutilitiesGroceriesandgrocersOtherservices80.511Description:InPortugal,duringtheconsideredperiod,thenumberofdigitalpaymentoperationswasthehighestinsupermarketsandhypermarkets,whichtotaled813.4milliondigitalpaymenttransactions.Restaurantsandcateringservicescamesecond,withalmost454millionoperations,whilegasstationsregistered178million.ReadmoreNote(s):Portugal;January2022toJune2023Source(s):SIBSValueofdigitalpaymentoperationsinPortugalfromJanuary2022toJune2023,bysector(inbillioneuros)ValueofdigitalpaymentoperationsinPortugal2022-2023,bysectorValueofoperationsinbillioneuros0510152025SupermarketsandhypermarketsPublicadministration21.811.5RestaurantandcateringservicesGasstations8.65.8Insurances4.8FashionandaccessoriesConsumergoodswholesaletradeRawmaterials4.14.13.33.2Technology,culture,andentertainmentOtherservices6.812Description:InPortugal,duringtheconsideredperiod,supermarketsandhypermarketsrecorded21.8billioneurosindigitalpaymentoperations.Thepublicadministrationwasthesecondsectorregisteringthehighestvalueofdigitalpayments,with11.5billioneurostransacted.Restaurantandcateringservicesclosedthepodiumwith8.6billioneurosindigitalpayments.ReadmoreNote(s):Portugal;January2022toJune2023Source(s):SIBSAveragevalueofdigitalpaymentoperationsinPortugalfromJanuary2022toJune2023,bysector(ineuros)AveragevalueofdigitalpaymentoperationsinPortugal2022-2023,bysectorAveragevalueofoperationsineuros100

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3000400500600700800InsurancePublicadministration669.3244.2223.4MotorvehiclesandaccessoriesMachineryandequipment145.4106.398.780.5EducationandtrainingSocialcareConsumergoodswholesaletradeTouristaccommodation80.279.384.3Informationandcommunicationtechnologies(ICT)equipmentOtherservices13Description:InPortugal,duringtheobservedperiod,theinsurancesectorwastheonerecordingthehighestaveragevalueofdigitalpaymentoperations,amountingtomorethan669euros.Thepublicadministrationsectorrecordedmorethan244eurosastheaveragevalueofdigitalpayments.Thesectorofmotorvehiclesandaccessoriesrecorded223.4eurosastheaverageamountdigitallypaid.

ReadmoreNote(s):Portugal;January2022toJune2023Source(s):SIBSCHAPTER

02OnlinebankingandmobilepaymentsOnlinebankingpenetrationrateinPortugalfrom2017to2021PenetrationrateofonlinebankinginPortugal2017-202170%64%60%60%50%40%30%20%10%0%56%52%42%2017201820192020202115Description:InPortugal,thepenetrationrateofonlinebankinggrewfrom42percentregisteredin2017to64percentrecordedin2021.Themostintenseincreaseoccurredin2018whenonlinebankinguserswentfrom42percentofrespondentsregisteredthepreviousyearto52percent.ReadmoreNote(s):Portugal;2017to2021;RespondentswhousedtheinternetinthethreemonthsbeforetheinterviewSource(s):ACEPI;EurostatShareofonlinebankingusersinPortugalin2022,byregionShareofonlinebankingusersinPortugal2022,byregion80%73%68%68%70%60%50%40%30%20%10%0%67%62%59%50%LisbonRegionNorthernPortugalMadeiraCentralPortugalAzoresAlentejoAlgarve16Description:Asof2022,theregionofPortugalwiththehighestshareofinhabitantsusingonlinebankingwastheLisbonRegion,where73percentofpeopleusedthisservice.ReadmoreNote(s):Portugal;June6toAugust21,2022;6,594households;16-74yearsold;IndividualswhohaveusedtheinternetinthethreemonthsbeforethesurveySource(s):ANACOM;Eurostat;StatisticsPortugalCardownershipintheonlinebankingpopulationinPortugalfrom2020to2022CardownershipintheonlinebankingpopulationinPortugal2020-2022DebitcardCreditcardPrepaidcard120%100%80%60%40%20%0%98.3%96.5%95.9%63%54.5%53.4%23.3%23.1%20.8%20202021202217Description:Overtheobservedperiod,cardownershipintheonlinebankingpopulationinPortugalincreasedfordebitcards,recordinganownershiprateof98.3percentin2021.Prepaidcardsrepresentthelowestcardownershiprateintheonlinebankingpopulation,with23.1percentin2022.ReadmoreNote(s):Portugal;August2022*;18yearsandolder;*Dateofthelatestsurvey.ReadmoreSource(s):AnalistasFinancierosInternacionales;IndraSistemas;Minsait;TheCocktailAnalysisAveragenumberofcardsusedbyonlinebankingclientsinPortugalfrom2021to2022,bytypeAveragenumberofcardsusedbyonlinebankingclientsinPortugal2021-2022,bytype202120221.61.51.41.41.41.41.21.00.80.60.40.20.01.31.2ChargecardsCreditcardsPrepaidcards18Description:In2021,theaveragenumberofcardsamongtheonlinebankingpopulationinPortugaltotaled1.4cardsperpersonwhenitcomestochargeandcreditcards.In2022,thisvalueremainedequalforchargecards,butincreasedto1.5forcreditcards.Inregardtoprepaidcards,peopleinPortugalhadonaverage1.3cardsin2022.ReadmoreNote(s):Portugal;August2022;18yearsandolderSource(s):AnalistasFinancierosInternacionales;IndraSistemas;Minsait;TheCocktailAnalysisNumberofMBWayusersinPortugalfrom2017toSeptember2022(inmillions)NumberofMBWayusersinPortugal2017-September20224.54.03.53.02.52.01.51.04.283.742.120.520.50.02017201920212022*19Description:InPortugal,thenumberofMBWayusersgrewfromalmost520thousand,in2017,to4.28million,inSeptember2022.Thetwo-yearperiodbetween2017and2019sawthebiggestincreaseinthenumberofusersofthismobilepaymentservice,namelymorethan1.5millionusers.ReadmoreNote(s):Portugal;2017toSeptember2022Source(s):ACEPI;SIBSMobilepaymentusageinphysicalstoresinPortugalfrom2020to2021,bytypeMobilepaymentusageinphysicalstoresinPortugal2020-2021,bytypeReadingwithmymobileaQRcodethatisintheestablishmentBringingthemobileclosertothePOSThroughaQRcodeorabarcodethatisgeneratedonmymobileandIshowtotheestablishmentIn-apppayment60%50%40%30%20%10%0%54.9%49.3%47.9%41.7%39.4%38%31.4%31%2020202120Description:Overtheobservedperiod,theuseofpaymentmethodswithamobiledeviceinphysicalstoresdecreasedforthefourdifferentpaymentmethods.Themostusedmethodin2020,bringingthemobileclosertothePOS,decreaseditsfrequencyofuseto41.7percentin2021.ReadingwiththemobileaQRcodeplacedintheestablishmentbecamethemostusedmethodofpaymentin2021,witharateofalmost48percent.Theleastusedmethodin2021wasin-apppayment,withafrequencyof[...]

ReadmoreNote(s):Portugal;August2021*;400respondents;18yearsandolder;*DateofthelatestsurveyReadmoreSource(s):AnalistasFinancierosInternacionales;IndraSistemas;Minsait;TheCocktailAnalysisCHAPTER

03CardpaymentsNumberofdigitalpaymentcardoperationsinPortugalfromJanuary2022toJune2023,bytype(in1,000s)MonthlynumberofdigitalcardpaymentsinPortugal2022-2023,bytypeService/PurchasepaymentsTelecommunicationpaymentsGovernment/SocialSecuritypayments20,00018,00016,00014,00012,00010,0008,0006,0004,0002,0000Jan2022

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2023Mar2023Apr2023May2023Jun202322Description:InPortugal,thenumberofdigitalpaymentoperationsconductedwithbankcardshasfluctuatedduringtheperiodconsidered.Paymentsofservicesorpurchasesamountedto15.5millioninJune2023,withtheirhighestvaluehavingbeenrecordedinJanuaryofthesameyear.Telecommunicationpaymentsdecreasedfrom2.2millioninJanuary2022to1.8millioninJune2023.PaymentstothePortugueseStateorSocialSecurityregisteredthelowestvaluesofallpaymenttypes,totaling1.4[...]

ReadmoreNote(s):Portugal;January2022toJune2023Source(s):BancodePortugalValueofdigitalpaymentcardoperationsinPortugalfromJanuary2022toJune2023,bytype(inmillioneuros)MonthlyvalueofdigitalcardpaymentsinPortugal2022-2023,bytypeService/PurchasepaymentsTelecommunicationpaymentsGovernment/SocialSecuritypayments4,5004,0003,5003,0002,5002,0001,5001,0005000Jan2022

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Jun2023202323Description:InPortugal,duringtheperiodconsidered,thevalueofdigitalpaymentcardoperationswasthehighestforserviceorpurchasepayments.Theseamountedtoalmost2.5billioneurosinJune2023,decreasingfromthe3.5billioneurosrecordedonthepreviousmonth.PaymentstothePortugueseStateorSocialSecurityrecordedthesecondhighestfigures,withmorethan1.5billioneurosinpaymentsinMay2023.Telecommunicationpaymentsamountedtoto26millioneurosinJanuary2022,[...]

ReadmoreNote(s):Portugal;January2022toJune2023Source(s):BancodePortugalAveragenumberofindividualbankcardpaymentsinPortugalfromJanuary2022toJune2023,bysectorAveragenumberofindividualbankcardpaymentsinPortugal2022-2023,bysector65.354.2432102.62.11.6SupermarketsandhypermarketsRestaurantandcateringservicesGasstationsOtherservicesPublicadministration24Description:InPortugal,duringtheconsideredperiod,bankcardsweremostlyusedtoconductdigitalpaymentsinsupermarketsandhypermarkets,with5.3beingtheaveragenumberoftimeseachcardwasused.Bankcardswereused4.2timesinrestaurantandcateringservices,and2.6timesingasstations.ReadmoreNote(s):Portugal;January2022toJune2023Source(s):SIBSNumberofbankcardpurchasesinPortugalfromJanuary2022toJune2023,bylocationandcardprovenance(in1,000s)MonthlynumberofcardpurchasesinPortugal2022-2023,bylocationandcardoriginNationalcardsinPOSinPortugalNationalcardsinPOSabroadForeigncardsinPOSinPortugal180,000160,000140,000120,000100,00080,00060,00040,00020,0000Jan2022

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2023Mar2023Apr2023May2023Jun202325Description:InPortugal,thenumberofpurchasescarriedoutwithforeignbankcardswas,inJune2023,morethan19.9million.Thisfigurerepresentsanincreasecomparedtothepreviousmonth.Thenumberofpurchasesusingnationalcards,inPortugal,wasequalto163millioninJune2023,whichisadecreasecomparedtoMay2023.ReadmoreNote(s):Portugal;2022to2023Source(s):BancodePortugalNumberofservicepaymentsinMultibancoautomatedtellermachines(ATMs)inPortugalin2022,byregion(in1,000s)NumberofservicepaymentsinMultibancoATMsinPortugal2022,byregionNumberofpaymentsinthousands010,00020,00030,00040,00050,00060,00057,68070,000MainlandPortugalAzores1,1801,265Madeira26Description:Asof2022,therewereover60millionservicepaymentsconductedinMultibancoautomatedtellermachines(ATMs),inPortugal.Inthecontinentalcountry,therewerealmost57.7millionservicepaymentsinMultibancoATMs,whiletheAzoreshadthesmallestfigure,reachingalmost1.2millionservicepayments.ReadmoreNote(s):Portugal;2022Source(s):SIBS;StatisticsPortugalValueofservicepaymentsinMultibancoautomatedtellermachines(ATMs)inPortugalin2022,byregion(inmillioneuros)ValueofservicepaymentsinMultibancoATMsinPortugal2022,byregionValueofpaymentsinmillioneuros01,0002,0003,0004,0005,0006,0007,000MainlandPortugal6,307.04Azores112.41122.85Madeira27Description:Asof2022,Portugalrecordedover6.5billioneurosinservicepaymentsviaMultibancoautomatedtellermachines(ATMs).ContinentalPortugalregisteredthehighestvalueofallthecountry'sregions,whichcoincidedwithover6.3billioneuros.TheAzoresrecordedthelowestfigure,112.41millioneurosinservicepaymentsviaMultibancoATMs.ReadmoreNote(s):Portugal;2022Source(s):SIBS;StatisticsPortugalContactlesscardpenetrationrateinPortugalfrom2016to2021PenetrationrateofcontactlesscardsinPortugal2016-202180%75%70%65%74.6%61.7%60%55%50%45%40%35%47.7%201941.8%201740.4%201838.6%20162020202128Description:InPortugal,thepenetrationrateofcontactlesscardshasincreasedovertheobservedperiod.In2016,almost39percentofbankusershadcontactlesscards.by2021,thisfigurehadrisentoalmost75percentofbankusers,anincreaseof21percentfromthepreviousyear.ReadmoreNote(s):Portugal;2016to2021;15yearsandolder;BankusersinmainlandPortugalwithdebit/creditcardsSource(s):GrupoMarktestCreditcardpenetrationrateinPortugalin2022,bysocialclassPenetrationrateofcreditcardsinPortugal2022,bysocialclassShareofrespondents0%10%20%30%40%50%60%70%Upper/Upper-middleclassMediumclass59.7%49.6%Middle-lowerclass/LowerAverage29.3%40.2%29Description:In2022,thepenetrationrateofcreditcardswashigheramongPortuguesepeoplebelongingtotheupperorupper-middleclass,whohadthematashareofalmost60percent.Themiddleclasspossessedthesecardsatashareofnearly50percent.Ingeneral,40percentofthepopulationinPortugalhadcreditcards.ReadmoreNote(s):Portugal;January2022;1,200respondents;15yearsandolder;BankusersinmainlandPortugalSource(s):GrupoMarktestCreditcardusagebytypeofoperationinPortugalfrom2020to2021CreditcardusagebytypeofoperationinPortugal2020-2021Highvaluepurchases34.5%LowvaluepurchasesTowithdrawmoneyfromtheATM38.1%45%40%35%30%25%20%15%10%5%36.9%30.3%21.4%20.6%0%2020202130Description:In2020and2021,theuseofcreditcardsaccordingtothetypeofoperationinPortugalpresentedsmallchanges.Creditcardsweremostlyusedforhighvaluepurchasesin2021,withausagerateof38percent,andleastusedtowithdrawmoneyfromtheATM,withausagerateof20.6percent.Overall,theuseofcreditcardsrosebetween2020and2021onlyforhighvaluepurchases.

ReadmoreNote(s):Portugal;August2021*;400respondents;18yearsandolder;*DateofthelatestsurveyReadmoreSource(s):AnalistasFinancierosInternacionales;IndraSistemas;Minsait;TheCocktailAnalysisCreditcardusagebymodalityinPortugalfrom2020to2021CreditcardusagebymodalityinPortugal2020-2021PayallmypurchasesattheendofthemonthNointerest,evenifthatmeanshavingtochooseasmallernumberofinstalmentsWithinterest,sincetheinterest-freeoptionforcesmetochooseasmallernumberofinstalmentsPayusingtheavailablecreditlineofmycard70%60%50%40%30%20%10%0%65.1%60.1%28.4%21.4%11.1%9.6%2.4%2.3%2020202131Description:Asof2021,themostcommoncreditcardusagemethodinPortugalwastopayallpurchasesattheendofthemonth,chosenbyover60percentoftherespondents.Theleastusedcreditcardmodalitywaswithinterest,withausagerateof2.3percentin2021.ReadmoreNote(s):Portugal;August2021*;400respondents;18yearsandolder;Therespondentswereonlinebankingclientswithcreditcards.;*Dateofthelatestsurvey

ReadmoreSource(s):AnalistasFinancierosInternacionales;IndraSistemas;Minsait;TheCocktailAnalysisCHAPTER

04POSpaymentsNumberofpointsofsale(POS)inPortugalin2022,byregionNumberofautomaticpaymentterminalsinPortugal2022,byregionNumberofautomaticpaymentterminals050,000100,000150,000200,000250,000300,000350,000400,000450,000MainlandPortugal419,754Azores11,38210,490Madeira33Description:InmainlandPortugal,in2022,therewerealmost419.8thousandautomaticpaymentterminals.Madeiraaccountedforalmost10.5thousandpointsofsale(POS),whiletheAzorespossessedalmost11.4thousandPOS.Intotal,Portugalhadmorethan441.6thousandautomaticpaymentterminals.ReadmoreNote(s):Portugal;2022Source(s):SIBS;StatisticsPortugalNumberofoperationsinpointsofsale(POS)inPortugalin2022,byregion(inmillions)NumberofoperationsinpointsofsaleinPortugal2022,byregionNumberofoperationsinmillions800

1,00002004006001,2001,4001,6001,8002,000MainlandPortugal1,726.9Azores44.3341.98Madeira34Description:InPortugal,in2022,therewereover1.8billionoperationsconductedinpointsofsale(POS).Themainlandterritoryaccountedforthemajorityofoperations,namelyover1.7billion.Operationsconductedinautomaticpaymentterminalsamountedtoalmost42millioninMadeira.ReadmoreNote(s):Portugal;2022Source(s):SIBS;StatisticsPortugalValueofoperationsinpointsofsale(POS)inPortugalin2022,byregion(inmillioneuros)ValueofoperationsinpointsofsaleinPortugal2022,byregionValueofoperationsinmillioneuros300102040506070MainlandPortugal65.27Azores1.731.71Madeira35Description:InPortugal,in2022,thevalueofoperationsconductedinautomaticpaymentterminals,orpointsofsale(POS),amountedtomorethan68.71millioneuros.InmainlandPortugal,therewere65.27millioneurosworthofPOSoperations,whileMadeirapresentedthelowestfigure,1.71millioneuros.ReadmoreNote(s):Portugal;2022Source(s):SIBS;StatisticsPortugalNumberofpurchasesviapointsofsale(POS)inPortugalfrom2000to2022(inmillions)AnnualnumberofpointofsalepurchasesinPortugal2000-20222,0001,8001,6001,4001,2001,00080060040020002000

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202236Description:InPortugal,thenumberofpurchasescarriedoutviapointsofsale(POS)increasedovertheconsideredperiod.In2000,therewerealmost285.7millionPOSpurchases,avaluethatmorethantripledby2016.In2022,almost1.8billionpurchasesviapointsofsalewereconducted.ReadmoreNote(s):Portugal;2000to2022Source(s):PORDATA;SIBSValueofpurchasesviapointsofsale(POS)inPortugalin2022,byregionandcardprovenance(inbillioneuros)PointofsalepurchasesinPortugal2022,byregionandcardprovenancePurchasesinbillioneurosNational30Foreign0102040506070MainlandPortugalAzoresMadeira37Description:InPortugal,in2022,thetotalamountspentinpurchasesviapointsofsale(POS)correspondedtoalmost63.6billioneuros.Nationalcardswereresponsiblefor55.9billioneurosinpoints-of-salepurchases,whileforeigncardsaccountedformorethan7.7billioneuros.ItwasinmainlandterritorythatPOSpurchaseswerethehighest,totalingalmost60.35billioneuros.ReadmoreNote(s):Portugal;2022Source(s):SIBS;StatisticsPortugalPercapitapurchasesviapointsofsale(POS)inPortugalin2022,byregion(ineuros)PercapitapointofsalepurchasesinPortugal2022,byregionPurchasesineuros3,000

4,00001,0002,0005,0006,0007,0008,000MainlandPortugalAzores6,0896,064Madeira6,719Portugalaverage6,48038Description:InPortugal,in2022,eachinhabitantspent,onaverage,almost6.5thousandeurosinpurchasespaidthroughpointsofsale(POS).TheaverageamountspentintheAzoreswasthelowest,correspondingtoalmost6.1thousandeuros.InMadeira,theaverageamountspentwasthehighest,surpassing6.7thousandeuros.ReadmoreNote(s):Portugal;2022Source(s):SIBS;StatisticsPortugalShareofpaymentmethodsatthepointsofsale(POS)intermsofnumberandvalueoftransactionsinPortugalin2022Paymentmeansat