Product Brochure: Europe Online Payment Methods: Second Half 2016

EUROPE ONLINE PAYMENT METHODS: SECOND HALF 2016

PUBLICATION DATE: FEBRUARY 2017

PAGE 2 GENERAL INFORMATION I PAGE 3 KEY FINDINGS I PAGE 4-7 TABLE OF CONTENTS I PAGE 8 REPORT-SPECIFIC SAMPLE

CHARTS I PAGE 9 METHODOLOGY I PAGE 10 RELATED REPORTS I PAGE 11 CLIENTS I PAGE 12-13 FREQUENTLY ASKED QUESTIONS

PAGE 14 ORDER FORM I PAGE 15 TERMS AND CONDITIONS

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PRODUCT DETAILS Title:

Type of Product:

Category:

Covered Regions:

Covered Countries:

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Europe Online Payment Methods: Second Half 2016

Market Report

Online Payment

Europe

Belgium, Czech Republic, Denmark, France, Germany, Greece, Italy,

Kazakhstan, Netherlands, Poland, Russia, Spain, Sweden, Turkey, UK,

Ukraine

English

PDF & PowerPoint

104

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QUESTIONS

ANSWERED

IN THIS REPORT

What are the top payment methods preferred by online shoppers in various European countries?

How many online shoppers in over 15 European markets pay by credit card?

What are the leading alternative online payment methods used by online shoppers in this region?

What key online and mobile payment trends prevail in Europe and worldwide?

Which mobile payment providers do consumers in selected European countries know and use?

SECONDARY MARKET

RESEARCH

Our reports are exclusively based on secondary market research. Our researchers derive

information and data from a variety of reliable published sources and compile the data into

understandable and easy-to-use formats.

ADVANTAGES Maximum Objectivity

Reliable Sources

Up-To-Date Analysis

Boardroom-Ready PowerPoint Presentations

Guidance For Strategic Company Decisions


VARYING PREFERENCES DICTATE WIDE RANGE OF PAYMENT METHODS

FOR ONLINE SHOPPERS IN EUROPE

Bank transfer, cash on delivery, credit card, debit card, direct debit, E-Wallet and

invoice: online shoppers in Europe demand a variety of payment methods from E-

Commerce sellers. According to the findings of the yStats.com report, the right mix of

payment options might be essential to succeed in the world’s second largest region by B2C

E-Commerce revenues. A survey cited in the report reveals that more than one-half of

online buyers in Germany and close to one quarter in the UK have abandoned online

shopping cart because their favorite payment method was not offered.

There is a wide range of consumer preferences to take into consideration. Credit or

debit card is the first choice of about half of online shoppers in countries such as the UK,

France, and Belgium. However, in Germany and Italy, a high double-digit share of E-

Commerce buyers prefers E-Wallet providers such as PayPal over traditional online

payments by credit or debit card. Different still, local banking method iDEAL accounts for

the largest share of online purchases in the Netherlands, while in Eastern Europe payment

on delivery is a much demanded option. Furthermore, yStats.com’s research shows that

online shoppers’ preferences also evolve over time. For example, in Spain debit card

outpaced PayPal in the ranking of favorite online payment methods and in Russia more

online shoppers now pay by bank card then by cash on delivery.

The mobile payment landscape in Europe is also diverse. On the regional level, only a

small one-digit share of all consumer payments was done via mobile devices in 2016,

according to data cited in the yStats.com report. Mobile wallet providers like Apple Pay are

used by only a one-digit fraction of consumers in countries like Germany, Italy, and the UK.

On the other hand, in Sweden local mobile payment solution Swish was known to nearly all

Internet users and used by more than half of them, as of mid-2016. Overall, mobile

payments were more likely to be used by Internet users in Scandinavian and selected

Eastern European countries than in other parts of Europe.


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MANAGEMENT SUMMARY

GLOBAL DEVELOPMENTS

Online and Mobile Payment Trends, H2 2016

Breakdown of E-Commerce Sales by Payment Methods, in %, 2015 & 2020f

Breakdown of the Number of Online Payment Options Offered, in % of Online Merchants, January 2016

Top 3 Payment Methods Preferred in Cross-Border Online Shopping, in % of Cross-Border Online Shoppers, August

2016

Top 3 Considerations When Choosing a Payment Method in Cross-Border Online Shopping,

in % of Cross-Border Online Shoppers, August 2016

Reasons To Choose the Preferred Payment Method in Cross-Border Online Shopping, in % of Cross-Border Online

Shoppers, 2016

Security Authentication Features That Online Shoppers in the USA and the UK Would Consider Setting Up for Online

Purchases in the Next 12 Months, in %, November 2016

Mobile Payments Share of Total Consumer Card Payments, in %, 2016e & 2021f

Mobile and Wearable Contactless Payments, in USD billion, 2015 & 2018f

Breakdown of Mobile Payments by Usage Case, by Europe and North America, 2016e

Share of Internet Users Who Look Forward to Being Able to Pay for More Transactions from Mobile Device, in %, by

Asia-Pacific, Europe, Latin America, the USA, and Global Average, August 2016

Contactless Payment User Penetration, in % of Banked Population, July 2016

Payment Methods Used in Mobile Shopping, in % of Mobile Shoppers, by Selected Regions, August 2016

Products and Services Paid for via Mobile Wallet, in % of Mobile Shoppers Who Paid with Mobile Wallet, August 2016

Share of Mobile Shoppers Paying with Mobile Wallets, by Selected Countries, in %, August 2016

Probability of Using Mobile Wallets, in % of Smartphone Owners, by Selected Countries, July 2016

EUROPE

3.1. REGIONAL

Payment Methods Preferred in Online Shopping, in % of Online Shoppers, by Belgium, Germany, France, Italy, the

Netherlands, the Nordics, Poland, Spain and the UK, May 2016

Share of Online Shoppers Who Abandoned Shopping Cart Due to Lack of Favorite Payment Method, in %, by

Benelux, Germany, Nordics and the UK, June 2016

Three Factors Contributing to a Poor Online Shopping Experience, incl. Payment-Related, in % of Online Shoppers,

by Benelux, Germany, the Nordics and the UK, June 2016

Breakdown of Retail Payment Transactions by Methods, incl. Mobile, in %, 2016

Mobile Payment Readiness and Devices Preferred for Mobile Payment, in % of Internet Users with Bank Accounts, by

Sub-Region, Summer 2016

Top 10 Countries By Mobile Payment User Penetration, in % of Surveyed Internet Users, September 2016

Expectations Regarding the Provision of Technical Support for Mobile Payments, in % of Millennials, by Germany,

Italy, the Netherlands, and the UK, July 2016

Share of Millennials Who Use Mobile Payments and Who Tried Mobile Payments and Then Stopped Using Them, in

%, July 2016

Top 2 Providers Most Preferred by Millennials for Providing a Mobile Payment Service, in %, by Germany, Italy, the

Netherlands, and the UK, July 2016

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TABLE OF CONTENTS

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EUROPE (CONT.)

3.1. REGIONAL (CONT.)

Mobile Payment Platforms Most Known to Millennials, in %, by Germany, Italy, the Netherlands, and the UK, July

2016

Share of Millennials Using Mobile Payment Service from PayPal and Apple Pay, in %, by Germany, Italy, the

Netherlands, and the UK, July 2016

3.2. ADVANCED MARKETS

3.2.1. UK

Online and Mobile Payment Trends and News about Players, H2 2016

Breakdown of E-Commerce Payment Volume by Payment Methods, in %, 2015 & 2020f

Value of Payment Transactions by Selected Non-Cash Payment Methods, in INR billion, Volume, in millions, and

Change, in %, incl. Mobile Wallets, FY 2014-2015 & FY 2015-2016

Use of Mobile Payments, by Contactless, In-App and In-Store, in % of Smartphone Owners with a Credit/Debit Card,

2016

Share of Internet Users Using Contactless Payment Cards, in %, 2015 & 2016

Contactless Payment Statistics, incl. Number of Contactless Cards Issued, by Debit, Credit and Total, in millions,

Monthly Spending on Contactless Cards, in GBP million, Number of Monthly Contactless Transactions, in millions,

and Average Value of Contactless Transactions, in GBP, by Debit, Credit/Charge Cards and Total, Number of

Accepting Terminals/Outlets, August 2015 & August 2016

Brand Recognition and Usage Rate of Selected Mobile Wallet Services, in % of Millennials, May 2016

Brands Most Trusted by Consumers for Delivering a Smartphone Wallet App, in % of Smartphone Owners,

September 2015, February 2016, June 2016

3.2.2. GERMANY

Online and Mobile Payment Trends and News about Players, H2 2016

Payment Methods Used in Online Shopping, in % of Online Shoppers, July 2016

Breakdown of B2C E-Commerce Sales by Payment Methods, by incl. Amazon and excl. Amazon, in %, 2015

Breakdown of the Use of 3D Secure Authentication, in % of Online Retailers, 2015

Risk Management Tools Used, in % of Online Retailers, 2015

Perceived Advantages of Working with a Payment Service Provider, in % of Online Retailers Working with a Payment

Service Provider, July 2016

Selected Service Providers Used for Offering Payment by Invoice, Direct Debit and Financing/Invoicing, in % of Online

Retailers, July 2016

Costs of Accepting Selected Payment Methods in B2C E-Commerce, by Direct and Indirect Costs, in EUR and in % For

the Basis Case, August 2016

Breakdown of Retail Payment Transactions by Methods, incl. Mobile, in %, 2016

Awareness of Mobile Payment Providers, incl. Mobile Wallets, in % of Adults, January 2016

3.2.3. FRANCE

Share of Respondents Who Used 3D Secure, in %, 2015 & 2016

Share of Respondents Who Trust PayPal with Personal Data, by Total, Ages 18-34, and Compared to a Bank, in %,

June 2016


TABLE OF CONTENTS

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EUROPE (CONT.)

3.2. ADVANCED MARKETS

3.2.3. FRANCE

Share of Respondents Who Used or Would Like to Use Contactless Payment, by Total Respondents and 18-34 Year-

Olds, in %, June 2016

Satisfaction with Various Aspects of Contactless Payment, in % of Contactless Payment Users, 2015 & 2016

Breakdown of Readiness to Pay via Mobile Phone, in % of Internet Users, June 2016

3.2.4. SPAIN

Payment Methods Used in Online Shopping, in % of Online Shoppers, 2015 & 2016

Mobile Payment Apps Installed, in % of Mobile Payment App Users, July 2016

3.2.5. ITALY

Breakdown of Payment Methods Used in Online Shopping, in % of Online Shoppers, October 2016

3.2.6. NETHERLANDS

Breakdown of Online Purchases by Payment Methods, in %, H1 2015 & H1 2016

Breakdown of Selected Online Payment Method Users by Gender, Age Group and Education Level, in %, Q2 2016

Share of “iDEAL” and “Credit Card” in Mobile Purchases, in %, H1 2015 & H1 2016

3.2.7. SWEDEN

Payment Methods Used and Preferred in Online and Mobile Shopping, in % of Online Shoppers, Q2 2016

Reasons to Choose a Particular Payment Method, in % of Online Shoppers, Q2 2016

Awareness and Usage of Mobile Wallet Solutions, in % of Internet Users, Q2 2016

3.2.8. DENMARK

Payment Methods Used and Preferred in Online and Mobile Shopping, in % of Online Shoppers, Q2 2016

Awareness and Usage of Mobile Wallet Solutions, in % of Internet Users, Q2 2016

3.2.9. BELGIUM

Top 5 Preferred Payment Service Providers and Top 3 Criteria for Choosing a Payment Service Provider, According to

Web Agencies, October 2016

Share of Online Shop Projects Where Mobile Payments Are Possible, in %, and Share of Online Shop Projects With

Mobile Payments Where In-App Payments Are Possible, in %, October 2016

Breakdown of Barriers to Mobile Purchases, incl. Payment-Related, in % of Online Shoppers, June 2016

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TABLE OF CONTENTS

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EUROPE (CONT.)

3.3. EMERGING MARKETS

3.3.1. RUSSIA

Share of Online Shoppers Paying by Bank Card and by Cash on Delivery, in %, October 2016

Payment Methods Used in Online Shopping, in % of Online Shoppers, October 2016

Online Payment Value, in RUB billion, and in % Year-on-Year Change, 2014 – 2017f

Share of Internet Acquiring, in % of Total Acquiring Volume, 2014 - 2016

Top 7 Payment Aggregators, Top 8 Payment Gateways and Top 5 Acquiring Banks and Top 6 E-Wallets Used by

Digital Agencies When Integrating Payment Instruments into Client Projects, April 2016

Overview of Pricing of Top 7 Payment Aggregators Used by Digital Agencies, April 2016

Overview of Pricing of Top 6 Payment Gateways Used by Digital Agencies, April 2016

Breakdown of Awareness and Usage of Contactless Payments, by Contactless Bank Cards and Contactless Payment

with Mobile Phone, in % of Adult Population, by Total, With and Without Higher Education, October 2016

3.3.2. POLAND

Payment Methods Used in Online Shopping, in % of Online Shoppers, 6 Months to December 2016

Types of Mobile Payment Used, in % of Mobile Payment Users, 6 Months to December 2016

Breakdown of Awareness of Apple Pay/Samsung Pay/Android Pay and Intention to Use These Services, in % of

Internet Users, December 2016

3.3.3. TURKEY

Number of Domestic E-Commerce Transactions with Bank Cards, in millions, and Value, in TRY million, Q1 2014 – Q3

2016

Number of Cross-Border E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million,

Q1 2014 – Q3 2016

3.3.4. GREECE

Payment Methods Used in Online Shopping, in % of Online Shoppers, 2016

3.3.5. CZECH REPUBLIC

Payment Methods Used in Online Shopping, in % of Online Shoppers, Q2 2016

Payment Methods Used in Online Shopping, in % of Online Shoppers, by Gender and Age Group, Q2 2016

3.3.6. UKRAINE

Breakdown of Non-Cash Payments, by Online, POS and ATM, in %, 2015

3.3.7. KAZAKHSTAN

Payment Methods Used in Online Shopping, in % of Online Shoppers, 2016

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TABLE OF CONTENTS

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REPORT-SPECIFIC SAMPLE CHARTS

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GENERAL METHODOLOGY OF OUR MARKET REPORTS Secondary Market Research

The reports are compiled based on secondary market research.

Secondary research is information gathered from previously published

sources. Our reports are solely based on information and data acquired

from national and international statistical offices, industry and trade

associations, business reports, business and company databases,

journals, company registries, news portals and many other reliable

sources. By using various sources we ensure maximum objectivity for all

obtained data. As a result, companies gain a precise and unbiased

impression of the market situation.

Cross referencing of data is conducted in order to ensure

validity and reliability.

The source of information and its release date are provided on

every chart. It is possible that the information contained in one chart is

derived from several sources. If this is the case, all sources are mentioned

on the chart.

The reports include mainly data from the last 12 months prior

to the date of report publication. Exact publication dates are mentioned in

every chart.

Definitions

The reports take into account a broad definition of B2C E-

Commerce, which might include mobile commerce. As definitions may

vary among sources, exact definition used by the source (if available) is

included at the bottom of the chart.

Chart Types

Our reports include text charts, pie charts, bar charts, rankings,

line graphs and tables. Every chart contains an Action Title, which

summarizes the main idea/finding of the chart and a Subtitle, which

provides necessary information about the country, the topic, units or

measures of currency, and the applicable time period(s) to which the data

refers. With respect to rankings, it is possible that the summation of all

categories amounts to more than 100%. In this case, multiple answers were

possible, which is noted at the bottom of the chart.

Report Structure

Reports are comprised of the following elements, in the following

order: Cover page, preface, legal notice, methodology, definitions, table of

contents, management summary (summarizing main information

contained in each section of report) and report content (divided into

sections and chapters). When available, we also include forecasts in our

report content. These forecasts are not our own; they are published by

reliable sources. Within Global and Regional reports, we include all major

developed and emerging markets, ranked in order of importance by using

evaluative criteria such as sales figures.

Notes and Currency Values

If available, additional information about the data collection, for

example the time of survey and number of people surveyed, is provided in

the form of a note. In some cases, the note (also) contains additional

information needed to fully understand the contents of the respective data.

When providing information about amounts of money, local

currencies are most often used. When referencing currency values in the

Action Title, the EUR values are also provided in brackets. The conversions

are always made using the average currency exchange rate for the

respective time period. Should the currency figure be in the future, the

average exchange rate of the past 12 months is used.

METHODOLOGY OF OUR EUROPE ONLINE PAYMENT METHODS: SECOND HALF 2016

Report Coverage

This report covers the online payment market in Europe. It

takes into account a wide definition of online payment, including payment

methods used in online shopping and mobile payment, such as remote

and proximity payments.

The major countries in the region are covered, while data

availability varied across the markets.

The report includes data mostly published within the last six

months of 2016. The exact date of publication of the source is stated on

each chart. The time period which the data refers to differs by source.

Report Structure

The global chapter opens the report, featuring an overview of

global online and mobile payment developments.

Next, information about regional development and country

comparisons are included.

The rest of the report contains country-specific information.

Countries are grouped by advanced and emerging B2C E-Commerce

markets. Within each group, the countries are presented in the descending

order of B2C E-Commerce sales.

Depending on data availability, the following types of market

information are included: payment methods most used by online shoppers,

breakdown of E-Commerce sales by payment methods, number and value

of online/mobile payment transactions, rankings of online payment

providers, mobile payment usage and consumer awareness of mobile

payment providers. Not all the mentioned types of information are

available for each of the covered countries. For the two leading countries in

the region, also online and mobile payment trends and news about major

players, such as payment providers, banks and retailers are presented on

text charts.


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METHODOLOGY

Global Online Payment Methods: Second Half 2016

Global Mobile Wallets 2017: Competitors and Market Opportunities Methods

Apple Pay Profile 2017

Samsung Pay Profile 2017

Android Pay Profile 2017

January 2017

January 2017

January 2017

January 2017

January 2017

€ 1,950

€ 1,950

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€ 450

€ 450

Global Mobile Online Payment Methods: First Half 2016

Europe Online Payment Methods: First Half 2016

Global Alternative Online Payment Methods: First Half 2016

Global Online Payment Methods: First Half 2016

Asia-Pacific Online Payment Methods: First Half 2016

Fraud and Security in Global Online Payment 2016

Europe B2C E-Commerce Market 2016

Western Europe B2C E-Commerce Market 2016

Eastern Europe B2C E-Commerce Market 2015

Turkey B2C E-Commerce Market 2016

Russia B2C E-Commerce Market 2015

October 2016

October 2016

September 2016

September 2016

September 2016

October 2016

February 2016

February 2016

January 2016

April 2016

December 2015

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€ 950

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€ 750

€ 950

€ 1,950

€ 1,950

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Global E-Commerce Marketplaces 2016

Trends in Worldwide Internet Retail 2016

Global B2C E-Commerce Market 2016

Top Players in Global E-Commerce Market 2016

November 2016

July 2016

June 2016

June 2016

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UK B2C E-Commerce Sales Forecasts: 2016 to 2020

Germany B2C E-Commerce Sales Forecasts: 2016 to 2020

Top 5 Country B2C E-Commerce Sales Forecasts: 2016 to 2020

December 2016

December 2016

November 2016

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Middle East B2C E-Commerce Market 2016 May 2016 € 1,950

Africa B2C E-Commerce Market 2016 May 2016 € 1,950

Latin America B2C E-Commerce Market 2016

North America B2C E-Commerce Market 2015

Asia-Pacific B2C E-Commerce Market 2015

March 2016

November 2015

October 2015

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UPCOMING RELATED REPORTS

REPORT PUBLICATION

DATE

PRICE*

Asia-Pacific Online Payment Methods: Second Half 2016

Global Mobile Payment Methods: Second Half 2016

Europe Online Payment Methods: Full Year 2016

February 2017

February 2017

March 2017

€ 750

€ 950

€ 1,950


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Business

Product Brochure: Europe Online Payment Methods: Second Half 2016