Nets Nordic Payment Report 2023 is an annual report that focuses on the payment habits of consumers in the physical environment, based on consumer surveys conducted in all four Nordic countries and Germany, card transaction data from Nets, and contributions from Nets experts. The report covers topics such as omnichannel and unified commerce, payment brands and certifications, digital receipts, loyalty solutions, and Nets' role in providing payment solutions for banks, businesses, and consumers in Europe. The report also highlights the shift in consumer payment preferences, with cash usage declining and mobile payments increasing in popularity. Mobile payments are now the second most popular payment method in all Nordic countries, with Vipps and Apple Pay dominating in Norway, Swish in Sweden, MobilePay in Denmark, and a similar level of cash usage in Finland. The report also notes the increasing use of contactless payments, including card and card-based mobile payments. The report concludes that omnichannel has become a mature method in the Nordics and is evolving towards a more comprehensive approach called unified commerce, which creates a seamless consumer experience across销售渠道.
