Payments 2035: Navigating shifts
We have partnered with leading research and advisory firm Celent to understand the changing payments and cards landscape in more detail and deliver a first look at the European retail payments landscape in 2035.
In this report, “A Future of European Payments”, we analyzes trends and projections of the retail payments space with an in-depth analysis of Germany, the Netherlands, Poland, Spain, and the UK. The report highlights how banks and payment providers can stay ahead by embracing innovation, flexible architecture, and partnerships that break down legacy barriers.
Key Insights from the Report:
- €1.1 Trillion in digital commerce by 2035
Digital payments will continue strong growth across the five markets analyzed, reaching a total transaction value of €1.09 trillion by 2035. - A2A to surpass Cards in e-commerce
Account-to-Account payments are expected to grow from 24% to nearly 40% of e-commerce volume – taking share away from card-based transactions - AI agents will reshape buying behavior
AI-driven smart agents could account for 17.5% of total e-commerce volume, automating purchases in categories like travel, digital content, financial services, and entertainment. - Pay Now/Pay Later expands
Demand for instant and deferred payment options remains strong. Credit on A2A payments alone is projected to grow to €35.7 billion.
Why This Matters for Banks & Fintechs:
To lead in this evolving landscape, financial institutions must rethink their strategy for payment infrastructure, digital identity, and customer engagement. Success will rely on:
- Moving beyond siloed systems
- Modernizing core payments platforms
- Embracing open, API-driven architecture
- Collaborating with technology partners
Download now: A future of European Payments
Get the full report to uncover the trends that will define the next decade in digital commerce. Learn how to turn disruption into opportunity and stay ahead of the curve.
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At Tietoevry, we believe it’s time to shift perspective. It’s not about what technology can do anymore — but what it should. So that the futures of businesses, societies, and humanity can live and thrive. Side by side.
