Credit card market share in POS and e-commerce in 15 countries in Europe 2022

The use of physical credit cards varied significantly within Europe, with Poland or Germany barely using them whilst they are relatively popular in France. This is somewhat at odds with figures on credit card penetration in the world. The United Kingdom, for example, ranks as one of the top countries worldwide in terms of credit card ownership, and also ranks high in this particular overview. France, however, had a significantly lower credit card penetration, but outranks the UK in terms of market share for credit cards. This may be a consequence of the different card schemes that exist within Europe's payment landscape. France has a domestic scheme - unique to that country alone - that is co-branded with Visa, enabling both credit card as well as debit card payments.