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A2A payments in e-commerce in 14 countries in Europe 2016-2023, with 2027 forecast
A2A payments made up 20 percent of total e-commerce transaction value in Europe in 2023, with the highest penetrations found in Poland and the Netherlands. This is according to a market model that was repeated over several years for different individual countries across Europe. Noticeable here is that the countries that use account-to-account payments - essentially open banking-led payment options, that can sometimes also be real-time (instant) payments - typically have a low penetration of international payment card schemes. Main A2A in Europe include Poland's BLIK, the Netherlands' iDEAL, or Sweden's Swish - with brands like Bizum in Spain attracting global interest.