Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

  1. 1
    Title - without text

    Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

  2. 2
    Title

    Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Paige Ligeti Developer

People Carousel

  • Liam Hanes

    Project Manager
拖动

People Carousel

  • Liam Hanes

    Project Manager

  • Liam Hanes

    Project Manager
拖动

Featured People

  • “Work hard, stay consistent ”

    Sam Smith

    Delivery Lead

Featured People

  • “Work hard, stay consistent ”

    Sam Smith

    Delivery Lead
  • “Work hard, stay consistent ”

    Sam Smith

    Delivery Lead
  • “Work hard, stay consistent ”

    Sam Smith

    Delivery Lead

Cash in decline

Despite some markets still being cash-heavy, use has been declining almost everywhere, largely due to COVID-19. The pandemic accelerated the cash to card trend in many markets as consumers valued the increasing convenience of electronic payments and followed advice to reduce the use of physical money.2

 

Cash 

Card 

Mobile app 

Other 

Decline in cash (2019-2022) in percentage points 

Mainly cash transactions  

 

Malta 

77% 

18% 

<5% 

<5% 

12pp 

Slovenia 

73% 

24% 

<5% 

<5% 

0pp 

Austria 

70% 

25% 

<5% 

<5% 

9pp 

Italy 

69% 

26% 

<5% 

<5% 

13pp 

Spain 

66% 

28% 

<5% 

<5% 

18pp 

Portugal 

64% 

31% 

<5% 

<5% 

17pp 

Germany 

63% 

31% 

<5% 

<5% 

13pp 

Greece 

62% 

33% 

<5% 

<5% 

18pp 

Lithuania 

62% 

32% 

<5% 

<5% 

5pp 

Slovakia 

60% 

33% 

<5% 

<5% 

13pp 

Cyprus 

59% 

36% 

<5% 

<5% 

23pp 

Ireland 

54% 

37% 

6% 

<5% 

14pp 

Equal cash and card transactions 

 

France 

50% 

43% 

<5% 

<5% 

7pp 

Latvia 

49% 

41% 

6% 

<5% 

17pp 

Estonia 

46% 

46% 

<5% 

<5% 

0pp 

Belgium 

45% 

48% 

<5% 

5% 

12pp 

Mainly card transactions 

 

Luxembourg 

39% 

52% 

5% 

<5% 

14pp 

The Netherlands 

21% 

67% 

10% 

<5% 

11pp 

Finland 

19% 

70% 

6% 

<5% 

13pp 

United Kingdom* 

10% 

76% 

10% 

<5% 

17pp 

Sources: European Central Bank: Study on the payment attitudes of consumers in the euro area 2022, *Statista 

There are still major geographic differences in payment maturity and innovation levels in Europe, however. These can largely be put down to historical evolution, with cultural attitudes playing a lesser role, Howell says. 

“If you look at the UK, for example, it’s very similar to the US with US-based card schemes, whereas in some parts of Central and Eastern Europe they didn’t have any cards until after 1989,” he says. And in countries such as Germany, France, Spain, and Portugal, they developed domestic schemes.” 

 

Section Spacing Section Spacing

2 or 3 column internal links

2 or 3 column internal links

Section Spacing

Type A

Card Title

Card Sub text

Type A

Card Title

Card Sub text

Type A

Card Title

Card Sub text

Section Spacing

Test tag 1
Guide item - Mandarin
Test
Test tag 1
Navigating the payment ecosystem - Mandarin
Test tag 1
Lorem ipsum dolor sit amet

Section Spacing

Section spacing - 3 column cards: optional icons

Title

Description

Title

Description

Title

Description

Title

Items 

Title

Items

Title

Items

Section Spacing

Text 

introductory text

Section Spacing

Section Spacing

Section spacing

  • Answer to question

Section spacing

  • Title

    Text

  • Title

    Text

  • Title

    Text

拖动

Section spacing

01 一月 了解更多关于此活动的信息
Test

Section Spacing 

活动 类型 Date 地点
Testing events item page Event 21 8月, 2024 London, GB
Testing events item page
类型 Event
日期 21 8月, 2024
地点 London, GB

Section spacing

  • “It's my life ”

    Sam smith

Section spacing

Section spacing

Sam Smith
Section Spacing

Section Spacing 

拖动

Section Spacing 

  1. 1
    Section Spacing 

    Section Spacing 

  2. 2
    Section Spacing 

    Section Spacing 

Section Spacing 

Section Spacing 

  • Test
  • Holvi
  • zilch

Section Spacing 

  • Sam Smith

    Section Spacing 
拖动

  • Section Spacing 

  • Section Spacing 

Section Spacing 

Section Spacing 

Section Spacing 

v

50%

Section Spacing 

在此页面

下载 PDF
下载 PDF

Section Spacing 

Section Spacing 

Section Spacing 

Home (Asia)

Sam Smith

Section Spacing 

Section Spacing 

  • Stat

  • Stat

  • Stat

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

 

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Felis a ultricies volutpat molestie sed maecenas commodo gravida. Porttitor massa posuere porttitor aenean risus convallis dui ipsum porta. Hac vitae eu, consequat maecenas nisl quam. Ipsum proin dui amet lectus in nibh nibh nec. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Felis a ultricies volutpat molestie sed maecenas commodo gravida. Porttitor massa posuere porttitor aenean risus.

H2 - Lorem ipsum dolor


Body Text - Paragraph Regular Paragraph Regular - Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do this is a link ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Lorem ipsum dolor sit amet, text link consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliqui. Lorem ipsum dolor sit amet,

tag label

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

 

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Felis a ultricies volutpat molestie sed maecenas commodo gravida. Porttitor massa posuere porttitor aenean risus convallis dui ipsum porta. Hac vitae eu, consequat maecenas nisl quam. Ipsum proin dui amet lectus in nibh nibh nec. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Felis a ultricies volutpat molestie sed maecenas commodo gravida. Porttitor massa posuere porttitor aenean risus.

H2 - Lorem ipsum dolor


Body Text - Paragraph Regular Paragraph Regular - Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do this is a link ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Lorem ipsum dolor sit amet, text link consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliqui. Lorem ipsum dolor sit amet,

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

 

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Felis a ultricies volutpat molestie sed maecenas commodo gravida. Porttitor massa posuere porttitor aenean risus convallis dui ipsum porta. Hac vitae eu, consequat maecenas nisl quam. Ipsum proin dui amet lectus in nibh nibh nec. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Felis a ultricies volutpat molestie sed maecenas commodo gravida. Porttitor massa posuere porttitor aenean risus.

Digital banking Asia summit

Subtitle

12th November, Kuala Lumpur

Transform your cross-boarder payment process - let’s tailor a solution at Digital banking Asia summit.

  • Are you looking to scale global payments and integration with Open APIs?
  • Need a solutions with rapid market development?
  • Need a future proof fraud solutions?
  • Want to be supported through the process with the best industry?

  • Flo Paul

    PM

  • Sam Stevens

    Developer

Secure your spot now

必填字段*
Please enter your first name
Please enter your last name
Please enter a valid telephone number

By submitting this form I give my consent to Thredd using my personal information to send me communications regarding Thredd’s products, events, reports and services. Privacy Policy

Digital banking Asia summit

Subtitle

12th November, Kuala Lumpur

Transform your cross-boarder payment process - let’s tailor a solution at Digital banking Asia summit.

  • Are you looking to scale global payments and integration with Open APIs?
  • Need a solutions with rapid market development?
  • Need a future proof fraud solutions?
  • Want to be supported through the process with the best industry?

  • Flo Paul

    PM

  • Sam Stevens

    Developer

  • Test

    Sarah Stevens

    Developer

Secure your spot now

必填字段*
Please enter your first name
Please enter your last name
Please enter a valid telephone number

By submitting this form I give my consent to Thredd using my personal information to send me communications regarding Thredd’s products, events, reports and services. Privacy Policy

Digital banking Asia summit

Subtitle

12th November, Kuala Lumpur

Transform your cross-boarder payment process - let’s tailor a solution at Digital banking Asia summit.

  • Are you looking to scale global payments and integration with Open APIs?
  • Need a solutions with rapid market development?
  • Need a future proof fraud solutions?
  • Want to be supported through the process with the best industry?

  • Flo Paul

    PM

  • Sam Stevens

    Developer

  • Test

    Sarah Stevens

    Developer

Secure your spot now

必填字段*
Please enter your first name
Please enter your last name
Please enter a valid telephone number

By submitting this form I give my consent to Thredd using my personal information to send me communications regarding Thredd’s products, events, reports and services. Privacy Policy

Digital banking Asia summit

12th November, Kuala Lumpur

Transform your cross-boarder payment process - let’s tailor a solution at Digital banking Asia summit.

  • Are you looking to scale global payments and integration with Open APIs?
  • Need a solutions with rapid market development?
  • Need a future proof fraud solutions?
  • Want to be supported through the process with the best industry?

  • Flo Paul

    PM

Secure your spot now

必填字段*
Please enter your first name
Please enter your last name
Please enter a valid email address
Please enter your job title
Please enter your company name

By submitting this form I give my consent to Thredd using my personal information to send me communications regarding Thredd’s products, events, reports and services. Privacy Policy