2024年欧洲支付领域的主要参与者研究报告（247页）

Key Players in theEU Payments Landscape This project research could not have been done without the groundwork of four bright students of the Solvay Brussels Schoolof Economics and Management. Diego Camarillo, Elise Tordoir, Maxim Hadidi, and Manizha Samadova have delivered aconsiderable amount of research with greatest seriousness and a true intellectual curiosity under the supervision of YoucefTahari and Professor Hugues Pirotte who brought his academic excellence to this study. The PA EU would like to thank Bureau van Dijk, a Moody’s Analytics Company for giving us access to Orbis, the world’s mostpowerful comparable data resource on private companies. Orbis has the richest, most reliable private company informationon the market, a wealth of sources globally, and yet remains instantly comparable and searchable. All the financial data in the tables have been retrieved from the Orbis database for the year 2022,except where noted as ‘last year available’. The PA EU would also like to express immense gratitude to Deloitte Luxembourg, especially Alexandre Havard, Ménaïs BruantSolska, and Julie Chila, for managing the review process and facilitating connections with professionals listed below, who haveprovided valuable insights into their regional and local payment landscapes as country reviewers of our primary research: •Yannick Putzeys & Michal Zavodny | Deloitte Belgium•Ghislain Boulnois | Deloitte France•Gizem Saydan & Tom van Roij | Deloitte Netherlands•Jaydeep Thumar, Ashish Gupta & Colm O’Monachain |Deloitte Ireland•Massimo Tonassi | Deloitte Italy•Carolina Brana & Gorka Briones | Monitor Deloitte Spain•Alexandre Miguel Melo | Deloitte Portugal•George Gialitakis | Deloitte Greece•George Nathanael & Elsa Abdo | Deloitte Cyprus•Cheryl Grech & Flavia Passansi | Deloitte Malta•Sara Condrache & Raluca Nacu | Deloitte Romania•Aleksandar Ganchev | Deloitte Bulgaria•Lan Filipic | Deloitte Slovenia•Veronika Hraskova | Deloitte Slovakia •Annamaria Nemeth | Deloitte Hungary•Marcin Chomicki | Deloitte Poland•Thomas John | Deloitte Austria•Ivo Apetauer | Deloitte Czech Republic•Rado Bekes, Katarina Kutija-Mustac & Filip Sprle| DeloitteCroatia•Rene Kuusvek | Deloitte Estonia•Andris Liepins & Valters Niedzitis | Deloitte Latvia•Marko Hykkonen & Veera Vaananen | Deloitte Finland•Lena Hackelöer | Brite Payments•Morten Jan Wischmann | Banking Circle•Alexandre Havard, Ménaïs Bruant-Solska & Julie Chila |Deloitte Luxembourg•Daniel Scheuermann & Daniel Hellmann | DeloitteGermany Finally, we would like to thank Estera Sava, content editor, and Vlad Macovei, senior editor at The Paypers, for editing theExecutive Summary. For more reports on payments, banking, ecommerce, or fraud, check out The Paypers’ website. THE PAYMENTS BANKFOR THE NEW ECONOMY Banking Circle’s proprietary technology enables Payments businessesand Banks of any scale to seize opportunities, compete and grow. From multi-currency accounts to real-time FX, international paymentsto local clearing, we’re quick, low-cost, and secure. Bypass old, bureaucratic and expensive systemsand enable global banking services for your clients. bankingcircle.com Contents South-Western Europe105Italy110Spain115Portugal121 Thank you Note2 South-Eastern Europe127Greece132Cyprus137Malta143 Executive Summary10 Eastern Europe150Romania155Bulgaria160Slovenia166Slovakia170Hungary175Poland180Austria187Czech Republic194Croatia200 The changing landscape of thePayments industry13 Mapping the EU PaymentsLandscape21International Players22Non-EU International Players22EU International Players32 EU Players40 Benelux40Belgium48The Netherlands58Luxembourg65 Baltic Countries205Estonia210Latvia216Lithuania220 Nordic countries224Denmark229Finland235Sweden240 Disclaimer and Glossary245 About The PaymentsAssociation EU Making Payments Work The Payments Association EU is a business club of decision makers in the payments industry. Our members are theenterprises forming all the components of the payments value chain in the 27 countries of the European Union. Our circle is established as a non-profit association registered in Luxembourg. Our offices are hosted at the LuxembourgHouse of Financial Technology (LHoFT). The Purpose of the Association is to facilitate business for its members. PA EU seeks to achieve its objectives by organizingevents, managing projects defending the interests of its members, publishing research documents and providing training. Youwill find more details in our brochure. The Payments Association EU, consisting of 100 members from across the payments value chain; including paymentsschemes, banks and issuers, merchant acquirers, PSPs, retailers, and more. Collectively, members of the PA EU transact more than 6 trillion € annually and employ more than 300.000 staff, meaning thatwe now have a significant influence over the industry’s future. The PA EU provides the payments community with: •A forum in which to learn, collaborate and do business wit