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A detailed analysis and set of forecasts exploring the expected impact of instant payments and PSD2 on the European retail payments landscape.


  • Within 10 years of widespread implementation, instant payments are expected to account for roughly three-quarters of a billion Euros in retail expenditure.

Features and Benefits

  • Quantifies the expected impact of instant payments and PSD2 on the European retail payments landscape.
  • Assesses the key requirements for banks to consider when developing their instant payments strategy.

Key questions answered

  • What impact are instant payments expected to have on the online and in-store retail markets over the next 10 years?
  • What examples of successful instant payment overlay services are currently in operation around Europe?

Table of contents


  • Catalyst
  • Ovum view
  • Key messages


  • Recommendations for enterprises
  • Recommendations for vendors

Instant payments and PSD2 are reshaping the European payments landscape

  • The growth of instant payments is creating opportunities across Europe for new products and services
  • PSD2 will trigger a new wave of innovation and change in the way consumers and merchants transact

Instant payments will become a major part of the retail payments market

  • PSD2 will drive the use of instant payments in digital commerce
  • PSD2 could enable IP to account for a third of e-commerce expenditure across Europe by 2027
  • By 2027, €387bn of in-store transactions will shift to IP

These changes will create new opportunities for the industry

  • Banks should proactively leverage the opportunities of IP in retail payments


  • Methodology
  • Further reading
  • Authors

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