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DIGITAL

&

TRENDSDigitalpaymenttypesinSpainCHAPTER

01MarketshareShareofcashestimateatpointofsale(POS)inSpainfrom2004to2021AnnuallevelofcashpaymentsinSpain2004-202190%84%80.8%80.2%78.5%

78.4%

78.7%77.9%80%70%60%50%40%30%20%10%0%76.2%75%75%67.7%65.5%62.2%59.6%55.2%53%44.7%39.4%2004200520062007200820092010201120122013

2014*

20152016201720182019202020214Description:ConsumersinSpainusedcashmoneymuchlessin2020,nowmakinguplessthanhalfofallretailpaymentsinthecountry.Thisaccordingtoestimationsbasedontheavailabledataregardingcashwithdrawalsandpaymenttransactions.Nodataexistsontheactualuseofcashmoney,outsideofsurveydiaries.Suchadiary,coveringconsumers'useofcashmoneyinshops,washeldinEuropeonlyonce,in2017.Asnotallpaymentdataisreadilyavailable,liketheuseofOTCor[...]

ReadmoreNote(s):Spain;2004to2021;ThenumbersprovidedhavebeencalculatedbySource(s):BankofSpain;ECB;IMF;PYMNTSusingnumbersonATMandOTCwithdrawals.Seethe"Details"tabformoreinformationShareofcurrencyincirculation(CIC)tothenominalGDPofSpainfrom2001to2022Annualcurrencyincirculation(CIC)toGDPratioofSpain2001-202216%14%12%10%14.51%14.27%13.19%12.21%11.99%12.06%12.02%11.81%11.83%10.59%10.02%9.47%8.9%8.58%8%6%4%2%0%7.16%6.95%6.57%

6.59%6.4%6.13%5.78%5.4%2001

2002

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20225Description:Currencyincirculation,orthevalueofcoinsandbanknotes,madeuproughly13percentofGDPinSpainin2019,avaluethatiscomparabletopreviousyears.Thisso-calledCIC/GDPratioroughlymeasurestheuseofcashinthecountry.Duetotheanonymityofcashtransactions,sourcesstruggletofindexactvolumesonthis.Theratiomentionedhereisquitepopularinthatregard,asthedataitneedsisrelativelyeasytofind.Someindustryexpertsmention,however,thatthisratioistoo[...]

ReadmoreNote(s):Spain;2001to2022;ThesourceonlyreportscashincirculationforEU-27countriesas"EuroArea-Wide-Residency"Source(s):IMF;WorldBankMarketshareofcash,creditcards,andotherpaymentmethodsatpointofsale(POS)inSpainfrom2017to2023,withaforecastfor2027Mostusedin-store(POS)paymentmethodsinSpain2017-2023,with2027forecast201764%4%19%3%-201958%5%23%2%-202040%8%32%7%4%-202147%17%24%8%-202244%21%25%8%2%-202338%27%21%10%2%202730%22%17%27%2%CashCreditcard(incl."chargecard"since2021)*DebitcardE-wallet,Digital/mobilewalletPOSfinancing*Prepaidcard---2%1%Retailer/bankfinancing(splitofffrom"POSfinancing"in2021)*---4%---BuyNow,PayLater(splitofffrom"POSfinancing"in2021)*---0%-------Chargecard*10%12%10%6Description:AlthoughtheshareofcashinSpaindidinitiallydeclineearlyinCOVID-19pandemic,in-storeuseofcashmoneyincreasedsince.Indeed,themarketshareofdebitcards-whichinitiallygrewin2020-haddeclinedtothelevelfrombeforethepandemicby2021.SpainisnotableforitsrelativelyhighshareofcashinPOScomparedtoothercountriesinEurope.ThesourcedoesobserveagrowingmarketshareforwalletsinSpain,whichcouldacceleratefurtherinthecomingyears.The[...]

ReadmoreNote(s):Spain;March2024;*Thesourcemadechangestoitscategoriesin2021,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayPaymentsatpointsofsalebytypeinSpainasofMarch2024PaymentsatpointsofsalebytypeinSpain2024Shareofrespondents0%10%20%30%40%50%60%70%68%CashDebitcard59%CreditcardMobiledevice(e.g.,smartphone,smartwatch)Prepaidcard/vouchers47%25%9%Check3%IhavenotpaidatanypointofsaleOther1%1%7Description:"Cash"and"Debitcard"arethetoptwoanswersamongSpanishconsumersinoursurveyonthesubjectof"Paymentsatpointsofsalebytype".ReadmoreNote(s):Spain;April2023toMarch2024;2031respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcash,creditcards,andotherpaymentmethodsduringonlineshoppinginSpainfrom2016to2023,withaforecastfor2027Mostusede-commercepaymentmethodsinSpain2016-2023,with2027forecast201625%18%-201719%20%-201930%24%-202030%24%-202130%28%-202231%28%18%202333%26%20%202742%19%24%E-wallet,Digital/mobilewalletCreditcard-incl."chargecard"since2021*Account-to-account(A2A)-incl."banktransfers"and"directdebit"since2022**Debitcard20%20%11%15%1%17%2%4%1%1%14%5%1%1%19%2%3%1%1%15%-16%3%13%2%2%1%1%10%2%1%1%1%Buynow,paylater(BNPL)Cashondelivery(CoD)PrePay8%1%8%3%1%1%Prepaidcard3%3%13%13%1%Banktransfer**Chargecard*16%9%13%6%--Directdebit**1%PostPayOthers-incl.cryptocurrencysince20221%1%0%0%0%8Description:Accordingto2022data,almostone-thirdsofe-commerceusersinSpainpreferredtopayfortheirpurchasesviawallet.CreditcardsrankedasSpain'ssecond-mostpopulare-commercepaymentmethod,aheadofdebitcards.Cryptocurrencywasnotusedwhatsoeverfore-commercepaymentsinSpain.ReadmoreNote(s):Spain;March2024;Thesourcemademultiplechangestoitscategoriesovertime,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayMostcommononlinepaymentsbytypeinSpainasofMarch2024MostcommononlinepaymentsbytypeinSpain2024Shareofrespondents0%10%20%30%40%50%48%60%58%DebitcardOnlinepaymentservices(e.g.,PayPal,GooglePay,Klarna)54%CreditcardDirectdebit37%Prepaidcards/vouchersByinvoice17%13%11%10%CashondeliveryCashinadvanceIhavenotconductedanypaymentsonlineOther3%2%9Description:"Debitcard"and"Onlinepaymentservices(e.g.,PayPal,GooglePay,Klarna)"arethetoptwoanswersamongSpanishconsumersinoursurveyonthesubjectof"Mostcommononlinepaymentsbytype".

ReadmoreNote(s):Spain;April2023toMarch2024;2031respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcryptocurrencycomparedtootherpaymentmethodsinselectedcountriesacrosstheworldasof2023Penetrationofcryptoasameansofpaymentinselectedcountriesworldwidein2023Share

ofrespondentsNumber

ofrespondentsSurvey

freAustraliaAustria2%1000Everythre2%24872975EverythreEverythreBelgium1.4%CanadaCyprus1%20001016EveryfouEverythre1.5%Estonia0.9%1506Everythre10Description:Cryptocurrencyasapaymentmethodrarelyexceededthreepercentofoverallpaymentswithinacountrybetween2021and2023.Thisisaccordingtomultiplepaymentdiarysurveyshelddomesticallyacrosstheworld,atvarioustimes.Duetothedecentralizednatureofcryptocurrencies–Bitcoinitself,forexample,wasinitiallycreatedasaprotestagainstcentralauthorities–thereisnounifiedapproachordatabasetotrackhowmuchthedigitalassetisusedasapaymentmethod.Some[...]ReadmoreNote(s):Australia,Austria,Belgium,Canada,Cyprus,Estonia,Finland,France,Germany,Greece,Ireland,Italy,Latvia,Lithuania,Luxembourg,Malta,Netherlands,Poland,Portugal,Slovakia,Slovenia,Spain,Sweden,Switzerland,UnitedKingdom,UnitedStates;March2023;Asof2023,thereisnocentralizedtrackingofcryptopaymentsacrosscountries.Thenumbersprovidedhereweregatheredfromvariousdomesticsourcesandstemfromlocallyheldpaymentdiaries,whichareheldatvariousfrequencies,timesofyear,andlikelyfollowdifferentmethodologiesoraskdifferentquestionsfromoneanother.Thefiguresmaythereforenotnecessarilybecomparabletooneanother.Source(s):BankofCanada;DNB;ECB;FederalReserve;FinancialConductAuthority;Ipsos;NationalBankofPoland;ReserveBankofAustralia;SchweizerischeNationalbank;TheDutchPaymentsAssociation;TheRiksbank;YouGovCHAPTER

02PenetrationPenetrationrateofcreditcardsinSpainfrom2014to2029PenetrationrateofcreditcardsinSpain2014-20296056.6156.456.5156.6156.756.7756.8256.8656.8855.9155.2354.3854.2154.5554.0553.8850403020100201420152016201720182019202020212022202320242025202620272028202912Description:ThecreditcardpenetrationinSpainwasforecasttocontinuouslyincreasebetween2024and2029byintotal0.3percentagepoints.Aftertheseventhconsecutiveincreasingyear,thecreditcardpenetrationisestimatedtoreach56.88percentandthereforeanewpeakin2029.ReadmoreNote(s):Spain;2014to2029;allvaluesareestimatesSource(s):PenetrationrateofdebitcardsinSpainfrom2014to2029PenetrationrateofdebitcardsinSpain2014-20299084.884.4284.0784.0483.6683.3583.2883.1783.2583.3283.3883.4383.4783.583.5382.6480706050403020100201420152016201720182019202020212022202320242025202620272028202913Description:ThedebitcardpenetrationinSpainwasforecasttocontinuouslyincreasebetween2024and2029byintotal0.2percentagepoints.Accordingtothisforecastin2029,thedebitcardpenetrationwillhaveincreasedfortheseventhconsecutiveyearto83.53percent.ReadmoreNote(s):Spain;2014to2029;allvaluesareestimatesSource(s):MobilepaymentsusageperformedwithanymobiledeviceatPOSinSpainfrom2018to4thquarterof2023QuarterlyadoptionofmobilepaymentsatPOSinSpain2018-202330%25%20%15%10%5%0%2018

H12019

H22019

H12020

H22020

Q12021

Q22021

Q32021

Q42021

Q12022

Q22022

Q32022

Q42022

Q12023

Q22023

Q32023

Q4202314Description:Between2018and2023,theusageofmobilesatpointofsaleinSpainwitnessedanincreaseof12percentagepoints.In2018,theshareofrespondentsusingmobilepaymentsatPOSstoodat12percent,whichincreasedto24percentin2023.ꢀThisisaccordingtoaquestionaskedthroughoutmultiplesurveysfromStatista'sConsumerInsights.Thenumbersshownhererefertoarolling12-monthshareofrespondentswhoindicatedtheyusedamobilepaymentdevice—smartphones,but[...]

ReadmoreNote(s):Spain;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Residentialonlinepopulation;12-monthrollingaverageSource(s):ConsumerInsightsMobilepaymentsusagebysituationinSpainin2024MobilepaymentsusagebysituationinSpain2024Shareofrespondents0%10%20%19%19%18%30%40%50%60%70%80%Foreverydaypurchases(e.g.,food)ForfoodanddrinksinrestaurantsForfoodanddrinksinbarsandcafésForminorpurchases(e.g.,decorationitems)Foradmissiontickets13%10%10%9%7%ForpublictransportationticketsFortravelbookingsFormajorpurchases(e.g.,washingmachine)Other1%Ihavenotpaidwithmymobiledeviceatall75%15Description:InasurveyconductedbetweenApril2023andMarch2024,some19percentofrespondentsinSpainstatedthattheyhadpaidwiththeirsmartphoneforeverydaypurchasesinthepast12months.

ReadmoreNote(s):Spain;fourwavesfromApril2023toMarch2024;2031respondents;18-64yearsSource(s):ConsumerInsightsShareofcompaniesthatacceptselecteddigitalpaymentsforalltypesofe-commerceinSpainasofFebruary2024Paymenttypesacceptedbyalle-commercevendorsinSpainin2022and2024February202269%February202483%77%80%70%60%50%40%30%20%10%0%74%74%73%71%62%62%54%54%53%

53%49%33%24%22%CreditcardsPayPalBanktransfersApplePayBuynow,paylater(BNPL),orpaymentsininstallmentsLoyaltypoints,rewardsGiftcardsCryptocurrencyNFTs(non-fungibletokens)16Description:Sixoutof10e-commercevendorsinSpainofferbuynow,paylaterontheirwebsitecome2024.Thisisaccordingtoasurveyheldinearly2024,askinge-commerceprofessionalsonwhichpaymentmethodstheyareoffering.NoticeableforSpainisthesubstantialshareofrespondentswhoindicatedtheyoffercreditcardsin2024.Cryptocurrencyalsofeaturesinthislist.Thesourcedoesnotclarify,however,whethermerchantswouldliketoacceptdirectpaymentswithBitcoinorwhetherthis[...]

ReadmoreNote(s):Spain;February2024;2,700respondents;18yearsandolder;third-partypanelistsworldwide;Commerceprofessionalsthatheldadirectororhigherleadershiprole;ProfessionalsfromB2B,B2C,andB2B2CcompaniesacrossNorthAmerica,LatinAmerica,AsiaPacific,Japan,andEuropeSource(s):SalesforceResearchCryptoAdoptionIndexrankingofSpainfrom2020to2023,bymetricAnnualcryptoadoptiondevelopmentinSpain2020-2023,bymetricRank

ofindividual

weighted

metrics

feeding

into

indexOverallranking(outof146countries)202037202148202234202322Overallindexscore(1=highest,0=lowest)0.14290.06540.3270.0628On-chaincryptocurrencyvaluereceivedatcentralizedexchanges,rankingOn-chainretailvaluereceivedatcentralizedexchanges,ranking33552732Numberofon-chaindeposits,ranking5666n/a43n/a99n/a63Peer-to-peer(P2P)exchangetradevolume,rankingOn-chaincryptocurrencyvaluereceivedfromDeFiprotocols,rankingn/an/a2413On-chainretailvaluereceivedfromDeFiprotocols,rankingn/an/a261317Description:Spainrankedinsidethetop30inaglobalrankingof146countriesthatinvestigatedcryptoadoptionbasedontransactionvolumein2022.Thisisaccordingtoestimatesbasedonwebtraffictowardindividualwebsitesthatareusedtoperformcryptocurrencytransactions.Spain'srankingchangednotablyin2022whenthesourceaddeditsfindingsondecentralizedservicestogetherwithcentralizedservices.NotonlydidSpainseemtopreferDecentralizedFinance(DeFi)applications[...]

ReadmoreNote(s):Spain;July2020toJune2023;Ranking(1=highest,146=lowest);Weightedbypurchasingpowerparity(Source(s):Chainalysis;percapitaDistributionofdomesticandcross-bordere-commercerevenuesin2023,bycountryDomesticandcross-bordere-commercerevenueshare2023,bycountryShareofrevenueCross-border

Domestic40%

50%0%10%20%30%60%70%80%90%100%Japan

2%Sweden

3%UnitedStates

3%Brazil

3%Canada

3%China

3%SouthKorea

3%98%97%97%97%97%97%97%96%96%96%95%94%FinlandGermanyUnitedKingdomArgentina4%4%4%5%6%Indonesia18Description:TheDigitalMarketOutlookestimatesthattheshareofcross-bordere-commerceretailrevenuein2023willbeonlyaroundtwopercentinJapan.TheUnitedStatesandChinaalsohadarelativelylowshareofcross-boarderrevenue,atthreepercent.BelgiumandAustria,ontheotherhand,hadasignificantlyhighershareoftheire-commercerevenuegeneratedcross-border,at32and19percent,respectively.

ReadmoreNote(s):Worldwide;estimatesSource(s):DigitalMarketInsightsShareofdigitallyinitiatedremittancesinSpainfrom2ndquarter2016to3rdquarter2023,basedonremittanceoutflowtowardsanyothercountryQuarterlymarketshareofoutgoingdigitalremittancesinSpain2016-2023TraditionallyinitiatedDigitallyinitiatedDigitalend-to-end120%100%80%60%40%20%0%Q2

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Q320162016201620172017201720172018201820182018201920192019201920202020202020202021202120212021202220222022202220232023202319Description:TheshareofdigitalremittancesleavingSpainwasslightlyhigherin2023thaninpreviousyears,takingupthemajorityofmoneytransfers.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingawayfromSpain.ThethreecountriesSpainsendsthehighestvalueofremittancesincludeFrance,Morocco,Romania.Remittancesarearelativelyunchartedtopic,though.Whilefiguresexistonthetotaltrafficbetweenindividual[...]ReadmoreNote(s):Spain;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry;Seethe"Details"tabformoreinformationonthecategorizationSource(s):WorldBank(RemittancePricesWorldwide)CHAPTER

03BiggestbrandsMarketshareofpaymentcardbrands-Visa,Mastercard,AmericanExpress,orin-marketlocalcardschemes-inSpainfrom2016to2021BiggestinternationalanddomesticpaymentcardschemesinSpain2016-2021VisaMastercardAmericanExpressSistemapayLocalcardschemes120%100%80%60%40%20%0%20162017201820192020202121Description:VisaagainbecamethemostprominentbrandinonlineandofflinecardpaymentsinSpainin2021,afterSistemapaytookoverthatrolein2020.ThisaccordingtoresearchconductedovermultipleyearswithinSpain.Thesourcedoesnotexplainthesuddenchangein2020,althoughthiswasthefirstyearSistempaywasincluded.Thedomesticstart-upfromMadridunifiespaymentsofmanyofSpain'slargestbanks,includingBBVAandSantander.Cardsissuedbybanksarepopularinthe[...]

ReadmoreNote(s):Spain;2016to2021;Basedontotaltransactionvalue,eitheronlineorofflineSource(s):GlobalData;PPRO;WorldpayBiggestcontactlesspaymentbrandsatPOSinSpainasofMarch2024BiggestcontactlesspaymentbrandsatPOSinSpain2024Shareofrespondents0%10%20%30%40%50%60%BizumPayPal56%41%ApplePay30%GooglePay26%BBVAWalletCaixaBankPaySamsungPaySantanderWalletAbancaPaySabadellWalletBankiaWalletOrangePay17%16%10%7%4%4%3%2%2%RuralvíaPay22Description:WeaskedSpanishconsumersabout"BiggestcontactlesspaymentbrandsatPOS"andfoundthat"Bizum"takesthetopspot,while"LK-Pay/LABORALKutxaPay"isattheotherendoftheranking.ReadmoreNote(s):Spain;April2023toMarch2024;517respondents;18-64years;respondentswhousedmobilepaymentinrestaurants,storesandotherpointsofsaleinthepast12monthsSource(s):ConsumerInsightsBiggeste-commercepaymentbrandsinSpainasofMarch2024Biggeste-commercepaymentbrandsinSpain2024Shareofrespondents0%10%20%30%40%50%60%70%80%90%86%100%PayPalBizum71%GooglePay25%AmazonPay19%ApplePay15%MastercardClicktoPay(Masterpass)11%KlarnaPaysafecardSkrill7%3%2%Other11%23Description:WeaskedSpanishconsumersabout"Biggeste-commercepaymentbrands"andfoundthat"PayPal"takesthetopspot,while"Skrill"isattheotherendoftheranking.ReadmoreNote(s):Spain;April2023toMarch2024;1105respondents;18-64years;respondentswhousedonlinepaymentmethodsSource(s):ConsumerInsightsBiggestwalletsforcryptocurrencystorageinSpainfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestcryptocurrencywalletsinSpain2015-2023,basedondownloadsBinance

eToro

Bybit

Coinbase

CoinbaseWallet

OKX

Bitget

KuCoin

Trust

SweatWallet

MetaMask

Bit2Me

Kraken

Wirex

Exodus1,200,0001,000,000800,000600,000400,000200,000024Description:BinancedownloadsinSpainwerehigherthanthoseofgeneraltradingappslikeeTorooraplatformlikeBybit.Thisisaccordingtoanestimateusingroughly190differentappsthatofferacryptowalletfunctionfromacrosstheworld.Walletsarebutonetypeofappthatinteractswithdecentralizeddigitalassets,althoughitcanbedifficulttoseparatethedifferentapplicationsfromeachother.Cryptowalletsareoftenusedforcryptostorage,andlesssoforpayments.Paymentaggregatorssuch[...]

ReadmoreNote(s):Spain;March2024;Thisstatisticistheresultofresearchintoover190differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;The15appsondisplayheremadeup86.6percentofalldownloadsinQ4[...]

ReadmoreSource(s):AppMagic;CoinGecko;Website(CryptoSlate)Biggestbuynow,paylater(BNPL)appsinSpainfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestbuynow,paylater(BNPL)appsinSpain2015-2023,basedondownloadsPayPal*KlarnaOneyFranceCofidisEspañaAplazameScalapay1,000,000900,000800,000700,000600,000500,000400,000300,000200,000100,000025Description:PureplayBNPLproviderslikeKlarnaorappsfromotherforeigncreditprovidersattractedfewerdownloadsinSpainthanthePayPalappdidin2023.Thisisaccordingtoresearchintoapproximately150differentappsthateitherofferbuynow,paylaterdirectly,orarecloselyaffiliatedwithit.Spain'smainBNPLappsarefromoutsidethecountry.Especiallynoticeablearetheappsthatcomefromitsneighboringcountries,suchasOney(France)andScalapay(Italy).Aplazameistheonly[...]

ReadmoreNote(s):Spain;March2024;Thisstatisticistheresultofresearchintoroughly150differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;Theappsondisplayheremadeup99.1percentofalldownloadsinQ42023Source(s):AppMagic;BusinessWire;CBInsights;ecommerceDB.com;Fincog;PayU;SiftedBrandswiththehighestnumberofA2ApaymentstransactionspermonthinEuropein2023(inmillions)BiggestA2ApaymentbrandsinEuropein2023,basedonmonthlytransactioncountMonthlytransactioncountinmillions40

6002080100120140160BLIK(Poland)iDEAL(Netherlands)142111.17Vipps,MobilePay(Norway,Denmark,Finland)Swish(Sweden)7573.3Bizum(Spain)63.5TWINT(Switzerland)32.1726Description:MonthlytransactionsperformedwithPoland'sBLIKandiDEALintheNetherlandswereroughlyonparwitheachother,despitethedifferencesinpopulationsize.ThetwopaymentmethodsareregardedasEurope'smainexamplesofA2Apayments.Suchpaymentsaretransactionsmadedirectlyfromoneparty(account)toanotherwhilebypassingtraditionalcardrails.Somesourcesincludetraditionalbanktransfers,checks,ordirectdebitsasexamplesofA2A,butmostoutletsassociateA2A[...]

ReadmoreNote(s):Europe;October2023;Thefiguresprovidedhavebeencollectedandcalculatedbyfromvariousdomesticsources.Allfigureswerereportedatvarioustimes,andmaynotbedirectlycomparable.Seethe“Details”tabformoreinformation.Source(s):Bankgirot;CentraalBureauvoordeStatistiek;Currence;NationalBankofPoland;NorgesBank;SchweizerischeNationalbank;TheRiksbank;VarioussourcesBrandswiththehighestnumberofreal-time(instant)paymenttransactionsworldwidein2022(inbillions)Biggestreal-timepaymentsbrandsworldwidein2022,basedonnumberoftransactionsTransactioncountinbillions01020304050607080UPI(India)Pix(Brazil)7424IBPS(China)1615PromptPay(Thailand)EBS(SouthKorea)8Venmo,Zelle(UnitedStates)NIBSS(Nigeria)65FasterPayments(UnitedKingdom)ZenginSystem(Japan)PayNet(Malaysia)422Bizum(Spain)1BI-FAST(Indonesia)127Description:UPIinIndiaandPixinBraziltogetherreachednearly100billiontransactionsin2022,makingthemthelargestbrandsinreal-timepayments.RTPisespeciallycommoninAsia-Pacific.TransactionsinIndiaarealmostfivetimeshigherasinChina.SystemsintheUnitedStates–suchastheprivatelyownedVenmoandZelleintheUnitedStates,orthepublicinterbanksystemofFasterPaymentsintheUK–aremuchsmallerincomparison.Real-timepaymentsgenerallyhavetwomain[...]

ReadmoreNote(s):Brazil,China,India,Indonesia,Japan,SouthKorea,Malaysia,Nigeria,Spain,Thailand,UnitedKingdom,UnitedStates;August2023;thesourcecombinedvarioussourcestogether.MissingcountriesareprobablybecausethesourcedidnotincludetheminitsresearchSource(s):BankforInternationalSettlements;BankIndonesia;BankNegaraMalaysia;BankofKorea;BankofSpain;BankofThailand;CentralBankofBrazil;CentralBankofNigeria;NPCI;NTTData;PayPal;People'sBankofChina;ZelleBiggestbrandsforremittancesinSpainfrom1stquarter2011to3rdquarter2023,basedonremittanceoutflowtowardsanyothercountryQuarterlymarketshareofoutgoingremittancebrandsinSpain2011-2023MoneyGramWesternUnionWorldRemitRemitlyRiaWiseSmallWorldExactChangeMoneyExchangeEurophilOther120%100%80%60%40%20%0%28Description:MoneyGramwasusedthemostforoutgoingremittancesfromSpainin2023,makingupaboutoneinfourremittances.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingawayfromSpain.ThethreecountriestowhichSpainsendsthehighestvalueofremittancesareFrance,Morocco,andRomania.Remittancesarearelativelyunchartedtopic,though.Whilefiguresexistonthetotaltrafficbetweenindividualcountries[...]ReadmoreNote(s):Spain;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry.Source(s):WorldBank(RemittancePricesWorldwide)CHAPTER

04UsersTotalnumberofcreditcardsanddebitcardsincirculationinSpainfrom2000to2022AnnualcreditcardanddebitcardsissuedinSpain2000-2022CreditcardsDebitcards60,000,00050,000,00040,000,00030,000,00020,000,00010,000,00002000

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202230Description:Approximately50percentofpaymentcardsissuedinSpainwerecreditcards,reachingatotalofover44millionin2022.Debitcardswerefoundmoreofteninthecountry,asthatyeartherewerearound44millionofthesecards.Thenumbersprovidedareestimates,basedonthefigurescentralbankshavetosupply.Owningapaymentcarddoesnotimmediatelyindicateitgetsused,astherearelargedifferenceswithinEuropewhenitcomestotheuseofcertainpaymentmethods.

ReadmoreNote(s):Spain;2000to2022;FigureswerefirstreleasedinNovember2023,andhaveaboutayeardelayduetocalculationsSource(s):BankofSpain;ECB;ShareofindividualswhoownacreditcardinSpainin2011,2014,2017and2021withaforecastfor2024,byage,gender,andincomelevelTriennialcreditcardpenetrationinSpain2011-2024,bydemographic201141.9%-201454.4%45%201753.9%44.2%202156.6%46.3%2024*62.3%46.5%OwnershipUsedacreditcardGender