1、EUROPEAN MOBILE PAYMENTS REPORT 2025A FRAGMENTED MARKET IN MOTION KEY PLAYERS,GROWTH TRENDS AND STRATEGIC OUTLOOKARKWRIGHT AUGUST 2025EUROPEAN MOBILE PAYMENTS REPORT 2025A Fragmented Market in Motion Key Players,Growth Trends and Strategic OutlookPublished by Arkwright Consulting AG Fischertwiete 2(

2、Chilehaus)20095 HamburgWritten and edited by Steven Jacob Francesco Burelli Peter GrokurthWe extend our special thanks to Oscar ng(Swish),Fernando Rodriguez Ferrer(Bizum),Jens Plath(Twint)*,Fabian Mansfeld(EPI)For more infor mation on the topics of this report please contact steven.jacobarkwright.de

3、 francesco.burelliarkwright.de peter.grosskurtharkwright.deCopyright 2025 Arkwright Consulting AG All rights reserved*Portrait photo by Boris Baldinger3ARKWRIGHT AUGUST 2025|EUROPEAN MOBILE PAYMENTS REPORT 2025ContentsExecutive summary.4Introduction.6European mobile payment landscape.8 European dome

4、stic mobile payment systems and“local heroes”.8 Global OEM solutions.13 Pan-European systems and initiatives.18Growth trends by mobile payment category.24Success factors and expert insights.26Outlook and strategic scenarios.30Conclusion.32About Arkwright.34Appendix:Full expert interviews.35The Europ

5、ean mobile payments landscape remains a dynamic and fragmented environment,shaped by three categories of solutions:domestic mobile payment systems,pan-European initiatives and global mobile wallet-based payment solutions such as OEM Pays(e.g.Apple Pay,Google Pay,Samsung Pay).Among the 43 domestic so

6、lutions analysed,eight have emerged as“local heroes”Bizum,Blik,MB Way,MobilePay,Payconiq,Swish,Twint and Vipps achieving 46%average annual trans action growth(CAGR)in their markets over the past dec-ade(Figure 5).Their success stems from eight success factors(Figure 17)including close collaboration