The missing layer
in payment market analysis.

One standardized dataset for all 20 Euro Area markets. Harmonised definitions, full instrument breakdown, cash included - the baseline that has never existed.

Payment instrument mix
Euro Area · share of transactions
Cash share 41% -13pp vs 2022
182 bn
Retail transactions, 2025
+3.5%
Volume CAGR, 2022-25
41%
Cash share, from 54% in 2022
20
Euro Area markets covered
The problem

Payment data exists.
Comparable intelligence doesn't.

Every market entry, benchmarking exercise and M&A review hits the same wall.

01

Fragmented and inconsistent

Data sits across central banks, scheme reports and national statistics - with incompatible definitions, different scopes, and no shared methodology.

02

The cash blind spot

Total market size including cash has never been consistently measurable across countries. Teams fall back on rough estimates or expensive primary research.

03

No cross-country layer

Comparing Germany against Italy or the Netherlands means rebuilding the dataset from scratch each time, in ad hoc spreadsheets with incompatible benchmarks.

The platform

One baseline,
every market.

Public payment statistics, turned into a consistent and directly comparable dataset.

View sample report
01

Total market sizing, cash included

Retail payment volumes including cash, calibrated from public sources - the figure the market has never had on a consistent cross-country basis.

02

Full instrument breakdown

Cash, cards, credit transfers, direct debits, mobile wallets and A2A methods - defined consistently and comparable across countries and years.

03

PoS, e-commerce and P2P

Segmented across all three contexts, including instant P2P flows and A2A online methods that traditional card statistics systematically miss.

04

PDM Digital Maturity Index

A composite score of three shares - non-cash usage, e-commerce share and mobile wallets at the point of sale - for direct country-to-country benchmarking.

Coverage

All 20 Euro Area
member states.

The complete spectrum, from near-cashless Finland to cash-heavy transition markets.

Digital leader Card-mature High-growth / transitioning
Who it's for

Built for teams that need answers, not raw data.

Strategy & market entry

Assess market maturity, identify whitespace and benchmark a target country against peers before committing to expansion.

Market sizing incl. cashBenchmarkingAdoption trends

M&A due diligence

Validate market assumptions for payment transactions. Benchmark a target's operating market against standardised Euro Area comparables.

Market contextGrowth trajectoryInfrastructure

Payment consulting

Remove the data-gathering phase at project start. Arrive at engagements with a credible, harmonised baseline for any Euro Area market.

Client-readyCountry profilesMethodology-backed

Schemes & networks

Track your instrument's position across markets. Monitor instant adoption and competitive share shifts on a consistent longitudinal dataset.

Share trackingInstant curvesUse case split
Get in touch

Request a quote.

Subscription, a single project, or a custom analysis - tell us about the use case.

Country reports
Standardised one-pager per market, presentation-ready
Custom analysis
Tailored benchmarks for a specific market, instrument or use case
Subscription access
Annual updates across all 20 member states, new releases as available

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