{"id":12497,"date":"2025-01-06T09:27:24","date_gmt":"2025-01-06T08:27:24","guid":{"rendered":"https:\/\/www.plataformadenaria.com\/2025\/01\/06\/12492\/"},"modified":"2025-03-03T10:00:33","modified_gmt":"2025-03-03T09:00:33","slug":"digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale","status":"publish","type":"post","link":"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/","title":{"rendered":"Digital payments on the rise in Europe, but cash is still king at the point of sale"},"content":{"rendered":"<ul>\n<li data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"paragraph\" data-prosemirror-node-block=\"true\" data-pm-slice=\"1 1 []\">\n<h4>Piero Cipollone, member of the ECB's Executive Board, says: \u2018We are committed to ensuring secure, efficient and inclusive payment options. By supporting both cash and the development of a digital euro, we want to ensure that people can always choose to pay with public money, now and in the future\u2019.<\/h4>\n<\/li>\n<\/ul>\n<hr \/>\n<p>In terms of number of payments, <strong>cash is used in 52% of POS transactions<\/strong>, compared to 59% in 2022. In terms of value, cards are the most dominant payment instrument, with a share of 45% (vs. 46%) followed by cash (39%), up from 42%.<\/p>\n<p>Mobile apps, while still representing a relatively small share of POS payments, are on the rise, at 7%, up from 4% two years ago.<\/p>\n<p>Overall,<strong> digital payments continue to account for an increasing proportion of overall transactions<\/strong>. This is supported by an increase in online payments, with online payments accounting for 21% of daily consumer payments by number and 36% by value, up from 17% and 28% respectively in 2022.<\/p>\n<p><strong>The most widely used instrument for online payments is cards<\/strong>, which account for 48% of transactions, followed by other electronic means such as e-wallets and mobile apps, which together account for 29%.<\/p>\n<p>Consumers' stated payment preferences have not changed. In 2024, as in 2022, <strong>55% of Europeans prefer to pay with cards and other non-cash means in shops<\/strong>, 22% prefer to pay with cash and 23% have no clear preference.<\/p>\n<p>On average, consumers consider cards to be faster and easier to use. <strong>They find cash more useful for managing their spending and protecting their privacy.<\/strong><\/p>\n<p>Although the use of cash is decreasing, <strong>62% of Europeans still consider it important to have banknotes and coins as a payment option<\/strong>. And a large majority (87%) are satisfied with their access to cash, finding it very or fairly easy to obtain it from an ATM or a bank.<\/p>\n<p><strong>Piero Cipollone<\/strong>, Member of the ECB's Executive Board, says: \u2018<strong>We are committed to ensuring safe, efficient and inclusive payment options.<\/strong> By supporting both cash and the development of a digital euro, we want to ensure that people can always choose to pay with public money, now and in the future\u2019.<\/p>\n<p data-prosemirror-content-type=\"node\" data-prosemirror-node-name=\"paragraph\" data-prosemirror-node-block=\"true\">Fuente: <strong><a href=\"https:\/\/www.finextra.com\/newsarticle\/45265\/digital-payments-on-the-rise-in-europe-but-cash-still-king-at-pos\">Finextra<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Piero Cipollone, member of the ECB's Executive Board, says: \u2018We are committed to ensuring secure, efficient and inclusive payment options. By supporting both cash and the development of a digital euro, we want to ensure that people can always choose to pay with public money, now and in the future\u2019. In terms of number of [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2348,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-12497","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Digital payments on the rise in Europe, but cash is still king at the point of sale - Denaria<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Digital payments on the rise in Europe, but cash is still king at the point of sale - Denaria\" \/>\n<meta property=\"og:description\" content=\"Piero Cipollone, member of the ECB&#039;s Executive Board, says: \u2018We are committed to ensuring secure, efficient and inclusive payment options. By supporting both cash and the development of a digital euro, we want to ensure that people can always choose to pay with public money, now and in the future\u2019. In terms of number of [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/\" \/>\n<meta property=\"og:site_name\" content=\"Denaria\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-06T08:27:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-03T09:00:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.plataformadenaria.com\/wp-content\/uploads\/2022\/11\/denaria-web-8.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1302\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"pdenaria\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"pdenaria\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/\",\"url\":\"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/\",\"name\":\"Digital payments on the rise in Europe, but cash is still king at the point of sale - Denaria\",\"isPartOf\":{\"@id\":\"https:\/\/www.plataformadenaria.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.plataformadenaria.com\/wp-content\/uploads\/2022\/11\/denaria-web-8.png\",\"datePublished\":\"2025-01-06T08:27:24+00:00\",\"dateModified\":\"2025-03-03T09:00:33+00:00\",\"author\":{\"@id\":\"https:\/\/www.plataformadenaria.com\/#\/schema\/person\/9fe514788f94253d68a2d379d3f65c53\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/#primaryimage\",\"url\":\"https:\/\/www.plataformadenaria.com\/wp-content\/uploads\/2022\/11\/denaria-web-8.png\",\"contentUrl\":\"https:\/\/www.plataformadenaria.com\/wp-content\/uploads\/2022\/11\/denaria-web-8.png\",\"width\":1920,\"height\":1302},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.plataformadenaria.com\/#website\",\"url\":\"https:\/\/www.plataformadenaria.com\/\",\"name\":\"Denaria\",\"description\":\"Plataforma Denaria\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.plataformadenaria.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.plataformadenaria.com\/#\/schema\/person\/9fe514788f94253d68a2d379d3f65c53\",\"name\":\"pdenaria\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plataformadenaria.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6d581fefc47344f9c33caca9749a8fc866f9a53f908cec60853e93b77c3e7bfb?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6d581fefc47344f9c33caca9749a8fc866f9a53f908cec60853e93b77c3e7bfb?s=96&d=mm&r=g\",\"caption\":\"pdenaria\"},\"url\":\"https:\/\/www.plataformadenaria.com\/en\/author\/pdenaria\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Digital payments on the rise in Europe, but cash is still king at the point of sale - Denaria","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/","og_locale":"en_US","og_type":"article","og_title":"Digital payments on the rise in Europe, but cash is still king at the point of sale - Denaria","og_description":"Piero Cipollone, member of the ECB's Executive Board, says: \u2018We are committed to ensuring secure, efficient and inclusive payment options. By supporting both cash and the development of a digital euro, we want to ensure that people can always choose to pay with public money, now and in the future\u2019. In terms of number of [&hellip;]","og_url":"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/","og_site_name":"Denaria","article_published_time":"2025-01-06T08:27:24+00:00","article_modified_time":"2025-03-03T09:00:33+00:00","og_image":[{"width":1920,"height":1302,"url":"https:\/\/www.plataformadenaria.com\/wp-content\/uploads\/2022\/11\/denaria-web-8.png","type":"image\/png"}],"author":"pdenaria","twitter_card":"summary_large_image","twitter_misc":{"Written by":"pdenaria","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/","url":"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/","name":"Digital payments on the rise in Europe, but cash is still king at the point of sale - Denaria","isPartOf":{"@id":"https:\/\/www.plataformadenaria.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/#primaryimage"},"image":{"@id":"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/#primaryimage"},"thumbnailUrl":"https:\/\/www.plataformadenaria.com\/wp-content\/uploads\/2022\/11\/denaria-web-8.png","datePublished":"2025-01-06T08:27:24+00:00","dateModified":"2025-03-03T09:00:33+00:00","author":{"@id":"https:\/\/www.plataformadenaria.com\/#\/schema\/person\/9fe514788f94253d68a2d379d3f65c53"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plataformadenaria.com\/en\/2025\/01\/06\/digital-payments-on-the-rise-in-europe-but-cash-is-still-king-at-the-point-of-sale\/#primaryimage","url":"https:\/\/www.plataformadenaria.com\/wp-content\/uploads\/2022\/11\/denaria-web-8.png","contentUrl":"https:\/\/www.plataformadenaria.com\/wp-content\/uploads\/2022\/11\/denaria-web-8.png","width":1920,"height":1302},{"@type":"WebSite","@id":"https:\/\/www.plataformadenaria.com\/#website","url":"https:\/\/www.plataformadenaria.com\/","name":"Denaria","description":"Plataforma Denaria","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.plataformadenaria.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.plataformadenaria.com\/#\/schema\/person\/9fe514788f94253d68a2d379d3f65c53","name":"pdenaria","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plataformadenaria.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/6d581fefc47344f9c33caca9749a8fc866f9a53f908cec60853e93b77c3e7bfb?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6d581fefc47344f9c33caca9749a8fc866f9a53f908cec60853e93b77c3e7bfb?s=96&d=mm&r=g","caption":"pdenaria"},"url":"https:\/\/www.plataformadenaria.com\/en\/author\/pdenaria\/"}]}},"_links":{"self":[{"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/posts\/12497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/comments?post=12497"}],"version-history":[{"count":4,"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/posts\/12497\/revisions"}],"predecessor-version":[{"id":12507,"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/posts\/12497\/revisions\/12507"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/media\/2348"}],"wp:attachment":[{"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/media?parent=12497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/categories?post=12497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.plataformadenaria.com\/en\/wp-json\/wp\/v2\/tags?post=12497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}