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4. 4
GENERAL METHODOLOGY OF MARKET REPORTS
Secondary Market Research
 The reports are compiled based on secondary market research. Secondary research is information gathered from previously published sources. Our reports are
based on information and data acquired from national and international statistical offices, industry and trade associations, business reports, business and
company databases, journals, company registries, news portals and many other reliable sources. By using various sources we ensure maximum objectivity for
reported data. As a result, companies gain a precise and unbiased impression of the market situation.
 Cross referencing of data is conducted in order to ensure validity and reliability.
 The source of information and its release date are provided on every chart. It is possible that the information contained in one chart is derived from several
sources. If this is the case, all sources are mentioned on the chart.
 The reports include mainly data from the last 12 months prior to the date of report publication. Exact publication dates are mentioned in every chart.
Definitions
 The reports take into account a broad definition of B2C E-Commerce, which might include mobile commerce. As definitions may vary among sources, exact
definition used by the source (if available) is included at the bottom of the chart.
Chart Types
 Our reports include text charts, pie charts, bar charts, rankings, line graphs and tables. Every chart contains an Action Title, which summarizes the main
idea/finding of the chart and a Subtitle, which provides necessary information about the country, the topic, units or measures of currency, and the applicable time
period(s) to which the data refers. With respect to rankings, it is possible that the summation of all categories amounts to more than 100%. In this case, multiple
answers were possible, which is noted at the bottom of the chart.
Report Structure
 Reports are comprised of the following elements, in the following order: Cover page, preface, legal notice, methodology, definitions, table of contents,
management summary (summarizing main information contained in each section of report) and report content (divided into sections and chapters). When
available, we also include forecasts in our report content. These forecasts are not our own; they are published by reliable sources. Within Global and Regional
reports, we include all major developed and emerging markets, ranked in order of importance by using evaluative criteria such as sales figures.
Notes and Currency Values
 If available, additional information about the data collection, for example the time of survey and number of people surveyed, is provided in the form of a note. In
some cases, the note (also) contains additional information needed to fully understand the contents of the respective data.
 When providing information about amounts of money, local currencies are most often used. When referencing currency values in the Action Title, the EUR
values are also provided in brackets. The conversions are made using the average currency exchange rate for the respective time period. Should the currency
figure be in the future, the average exchange rate of the past 12 months is used.

5. 5
METHODOLOGY OF THE CURRENT REPORT
Report Coverage
 This report covers the online payment market in North America. It takes into account a wide definition of online payment, including payment methods used in
online shopping and mobile payment, such as remote and proximity payments.
 The report includes data mostly published in 2018. The exact date of publication of the source is stated on each chart. The time period which the data refers to
differs by source.
Report Structure
 The global chapter opens the report, featuring an overview of global online and mobile payment developments.
 Next, information about the regional development is included.
 The rest of the report contains country-specific information. The countries in the region are presented in the descending order of B2C E-Commerce sales.
 Depending on data availability, the following types of market information are included: payment methods most used by online shoppers, number and value of
online/mobile payment transactions, mobile payment usage and consumer awareness of mobile payment providers. Not all the mentioned types of information
are available for each of the covered countries.
 For the leading country in the region, also online and mobile payment trends and news about major players, such as payment providers, banks and retailers are
presented on text charts.

6. 6
DEFINITIONS
 ONLINE PAYMENT
Transfer of money made over the Internet following a consumer’s payment command, includes payments for product and service
purchased in (B2C) E-Commerce and M-Commerce.
 MOBILE PAYMENT
A wide definition of mobile payments includes remote payments made remotely in M-Commerce and proximity payments made in-
store, such as via QR code scanning and NFC technology.
 MOBILE PROXIMITY
PAYMENT
A mobile payment where the merchant and the consumer are present in the same location and the interaction between the
consumer’s device (card, mobile device) and the POS is conducted using a proximity technology (e.g. NFC).
 NFC
Near Field Communication is a set of standards for smartphones and similar devices to create radio communication by bringing them
close together or having them touch each other. In that way, contactless data exchange and transactions can take place.
 ALTERNATIVE
PAYMENTS
Generally refers to payment methods other than credit card or bank card payments. Widely defined, alternative online payment
methods include bank transfers and direct debit, digital wallets, pre-paid cards and private label cards, invoice, and digital currency.
May also include cash on delivery and card schemes by local companies other than global card brands.
 E-WALLET
A digital account with a stored money value or connected to funds in a bank account or payment card, which can be used for payment
in online or mobile transactions. The examples of E-Wallets include Alipay and PayPal.
 MOBILE WALLET
A software solution that enables consumers to store payment credentials, such as credit or debit card information, and use the stored
credentials to pay digitally for transactions made in-store, online or via mobile. Mobile wallets are installed on mobile devices which
are used to complete payments. The examples of mobile wallets include Apple Pay, Samsung Pay and Android Pay. Mobile wallets
are often included in the broader category of E-Wallets.
 BIOMETRIC
AUTHENTICATION
Any means by which a person can be uniquely identified based on evaluation of one or more distinguishing biological traits, e.g.
fingerprint, voice, retina/iris scan, and facial recognition.
 BLOCKCHAIN
A distributed ledger in which transactions are grouped into blocks, and each of the blocks is chained to the previous block. The blocks
are documented across a network relying on cryptographic trust and other mechanisms. A marking characteristic of blockchain is
absence of central authority, with an update possible only through a consensus of the participants’ majority.
 B2C E-COMMERCE The sale of products (and services) through electronic transactions via the Internet from businesses to consumers.
 M-COMMERCE M-Commerce, also called “Mobile Commerce”, means the sale of products (and services) through transactions via mobile devices.
The following expressions and definitions are used in this Online Payment market report*:
Note: *the definitions used by the original sources might differ from the ones stated on this chart; the exact definition used by each source, where available, is included on the respective
charts

7. 7
TABLE OF CONTENTS (1 OF 10)
1. Management Summary
2. Global Developments
• Breakdown of Card Payments by E-Commerce and POS Payments, in %, 2016 & 2022f
• Payment Methods Accepted in Online Stores, in % of Online Stores, February 2018
• Reasons For Not Shopping Online, incl. Payment-Related, in % of Internet Users Who Do Not Shop Online, Q1 2017 & Q1 2018
• Online Payment Fraud Losses, in USD billion, 2018e & 2023f
• Share of Respondents Who Would be Willing to Use Fingerprint or Other Biometric to Secure Their Payment Details, in %, 2018
• Mobile Payment User Penetration, by Region, in % of Internet Users, Q4 2017
• Proximity Mobile Payment User Penetration, by Region, in % of Smartphone Users, 2017-2022f
• Top 10 Countries by Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2019f
• Share of Internet Users Who Are Likely To Use Mobile Payment Next Year, in % of Internet Users, by Region, Q1 2017 & Q1 2018
• Share of Internet Users Who Are Likely To Use Mobile Payment Next Year, in % of Internet Users, by Selected Countries, Q1 2018
• Mobile Wallet User Penetration, in % of Respondents, by China, Germany, India, Taiwan, the USA and the UK, 2018
• Number of Contactless Payment Users of Apple Pay, Samsung Pay, Google Pay and Other OEM Pay, in millions, 2018e & 2020f
• Retail Spending at Frictionless Payment Stores, in USD million, 2018e & 2023f
• IoT Payments, in USD billion, 2018e & 2023f
• IoT Payments, in USD billion, by Connected Car and Connected Home Device Payments, 2021f
3. Asia-Pacific
3.1. Regional
• Online and Mobile Payment Trends and News about Players, February 2019
• Breakdown of E-Commerce Sales by Payment Methods, in %, Q1 2017 & Q1 2018
3.2. Advanced Markets
3.2.1. Japan
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016 & 2017
• Share of Smartphone Owners Who Have Used QR Code Payment, in %, January 2019
• Proximity Mobile Payment Transaction Value, in JPY trillion, and Year-on-Year Change, in %, FY 2017 – 2023f

8. 8
TABLE OF CONTENTS (2 OF 10)
3.2. Advanced Markets (Cont.)
3.2.1. Japan (Cont.)
• Top 10 Mobile Payment Services Used, in % of Mobile Payment Users, June 2018
3.2.2 South Korea
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016 & 2017
• Daily Average Personal Credit Card Payment in Online and Mail Orders, in KRW billion, H1 2016 - H1 2018
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2017-2022f
• Overview of Four Selected Leading Mobile Payment Services, incl. Provider, Launch Date, Channels, Number of Users and Cumulative
Transaction Value, 2018
3.2.3 Australia
• Breakdown of E-Commerce Transactions by Payment Method, in %, April 2018
• Top Mobile Payment Services Used to Pay In-Store, in % of Respondents, 2017 & 2018
3.2.4. Singapore
• Mobile Payment Transaction Value, in USD billion, 2016 & 2021
3.3. Emerging Markets
3.3.1 China
• Breakdown of E-Commerce Sales by Payment Methods, in %, Q1 2017 & Q1 2018
• Top 5 Third-Party Payment Services, in % of Users, August 2018
• Top Uses of Third-Party Payment Services, in % of Users, August 2018
• Number of Online Payment Users, in millions, and Penetration, in % of Internet Users, 2014 – 2017 & June 2018
• Third-Party Online Payment Transaction Value, in CNY trillion, Q1 2016 – Q3 2018
• Top 5 Third-Party Online Payment Providers by Market Share, in %, Q3 2017 & Q3 2018 Number of Mobile Payment Users, in millions,
and Penetration, in % of Mobile Internet Users, 2014 - 2017 & June 2018
• Third-Party Mobile Payment Transaction Value, in CNY trillion, Q1 2016 – Q3 2018

9. 9
TABLE OF CONTENTS (3 OF 10)
3.3. Emerging Markets (Cont.)
3.3.1. China (Cont.)
• Payment Methods Used by Chinese Tourists During Overseas Travel, in % of Chinese Tourists Travelling Overseas, 2017 & 2018
3.3.2 India
• Top 3 Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2018
• Breakdown of E-Commerce Sales by Payment Methods, in %, Q1 2017 & Q1 2018
• Digital Payments, in USD billion, FY 2018e & FY 2023
• Mobile Payments, in USD billion, FY 2018e & FY 2023
• Top Mobile Wallets Used, in % of Young Urban Mobile Wallet Users, March 2018
3.3.3. Indonesia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, September 2018
• Most Used E-Money Services, in % of Mobile Users, January 2018
3.3.4. Thailand
• Payment Methods Used in E-Commerce, by Number of Online Shoppers and Percentage of Online Shoppers, Q1 2017 & Q1 2018
3.3.5. Vietman
• Breakdown of Payment Methods Used in Latest Online Purchase, in % Online Shoppers, November 2018
• Factors Most Important to Online Shoppers When Buying Online, in % of Online Shoppers, 2017
4. Europe
4.1. Regional
• Online and Mobile Payment Trends and News about Players, February 2019
• Breakdown of E-Commerce Transactions by Payment Method, in %, 2018e
• Top Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016 – 2018

10. 10
TABLE OF CONTENTS (4 OF 10)
4. Europe (Cont.)
4.2 Advanced Markets
4.2.1. UK
• Breakdown of E-Commerce Transactions by Payment Method, in %, April 2018
• Share of Online Shoppers Who Want Merchants to Offer a Range of Payment Options, in %, July 2018
• Knowledge of Technology Trends, incl. Mobile Payments, in % of Consumers, 2016 – 2018
• Innovative Payment Methods That Millennial Online Shoppers Plan to Use in the Future, July 2018
• General Usage of Payment Methods, by Used in the Previous 6 Months and Never Used, incl. Contactless Mobile Payment Methods and
Cards, in % of Internet Users, April 2017 & February 2018
• Number of Proximity Mobile Payment Users, in millions, 2017-2019f
4.2.2. Germany
• Payment Methods Preferred in E-Commerce, by Type of Seller Purchased From, in % of Online Shoppers, April 2018
• Breakdown of B2C E-Commerce Product Sales by Payment Methods, in %, 2016 & 2017
• Share of Online Shoppers Always Choosing to Pay with Their Preferred Payment Method When It Is Offered, in %, 2017
• Breakdown of Importance of Payment Topics in Merchants’ Payment Strategy Until 2020, in % of E-Commerce Merchants, 2018
• Payment Methods that E-Commerce Merchants Plan to Start Accepting in 2018/2019, in % of E-Commerce Merchants, 2018
• Mobile Payment User Penetration, in % of Consumers, and Mobile Payment Apps Used, in % of Mobile Payment Users, August 2018
4.2.3. France
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, July 2018
• Attitude Towards Alternative Payment Methods in E-Commerce, in % of Online Shoppers, March 2018
• Breakdown of Mobile Payment App Usage In-Store, in % of Internet Users, February 2018
4.2.4. Spain
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2017 & 2018
• Breakdown of Factors Most Important in Online Payment Methods, in % of Online Shoppers, October 2018

11. 11
TABLE OF CONTENTS (5 OF 10)
4. Europe (Cont.)
4.2. Advanced Markets (Cont.)
4.2.5. Italy
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, July 2018
• Breakdown of the Number of Online Purchase Transactions by Payment Methods, in %, Q1 2018
• Average Online Purchase Transaction Value by Payment Method, in EUR, Q1 2018
• Breakdown of Awareness and Usage of New FinTech Services, in % of Internet Users, 2018
4.2.6. Netherlands
• Breakdown of Online Purchases by Payment Methods, in %, 2016 & 2017
4.2.7. Sweden
• Payment Methods Used and Preferred in Online and Mobile Shopping, in % of Online Shoppers, Q2 2018
4.2.8. Belgium
• Breakdown of Payment Methods Used in E-Commerce, in % of Online Shoppers, April 2018, and Change Compared to 2017 and 2011
4.3. Emerging Markets
4.3.1. Russia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, by Gender, Location Type and Total, 2017
• Breakdown of Last Online Purchase from a Russian Online Store by Payment Method, in %, 2017 & 2018
• Online Payment Services Used to Pay for Products and Services Online, in % of Internet Users in Large Cities, 2017 & 2018
• Share of Apple Pay, Samsung Pay and Android Pay Users, by Age Group and Total, in % of Internet Users in Large Cities, 2018
4.3.2. Turkey
• Breakdown of E-Commerce Transactions by Payment Method, in %, April 2018

12. 12
TABLE OF CONTENTS (6 OF 10)
4. Europe (Cont.)
4.3. Emerging Markets (Cont.)
4.3.2. Turkey (Cont.)
• Top Payment Methods Accepted in Online Shops of the Top 100 Retailers in Turkey, in % of Top 100 Retailers with an Online Shop, July
2018
4.3.3. Poland
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 6 Months to November 2018
• Breakdown of Fast Transfer Services Used Most Often, in % of Online Shoppers Using Fast Transfer Services, April 2018
• Payment Methods Used in M-Commerce, in % of Mobile Shoppers, 6 Months to November 2018
4.3.4. Portugal
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, July 2018
4.3.5. Greece
• Top Payment Methods Used in E-Commerce, in % of Online Shoppers, 2018
4.3.6. Czech Republik
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, July 2018
• Breakdown E-Commerce Transaction Number and Value by Payment Methods, in %, 2017 & 2018e
5. North America
5.1. Regional
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, in %, 2017 – 2022f

13. 13
TABLE OF CONTENTS (7 OF 10)
5. North America (Cont.)
5.2. USA
• Online and Mobile Payment Trends, February 2019
• Breakdown of E-Commerce Transactions by Payment Method, in %, April 2018
• Average E-Commerce Order Value, by Payment Methods, in USD, November 2017
• Share of Online Shoppers Who Saved Their Card Information Online, by Credit Card, Debit Card and Both, in %, September 2018
• Breakdown of Primary Factors That Would Prevent Internet Users From Using a Mobile Payment App, in %, March 2018
• Attitudes to Mobile Payments, in % of Consumers, by Generation, 2018
• Number of Proximity Mobile Payment Users, in millions, and Penetration, in % of Smartphone Users, 2018- 2022f
• Mobile Payment Apps Used for Making Payments In-Store, in % of In-Store Mobile Payment Users, February 2018
• Mobile Payment Apps Used for Preordering Food or Coffee, in % of Users, February 2018
• Share of Adults Who Have Made a Biometric Payment, in %, by Gender and Total, March 2018
• Share of Adults Who Believe that Biometric Payment Will Become More Commonplace in the Next 2-5 Years, in %, March 2018
5.3. Canada
• Breakdown of Payment Methods Perceived as the Safest for Online Purchases, in % of Consumers, 2016-2018
• Attitudes to Security of Online Shopping, incl. Payment-Related, in % of Online Shoppers, April 2018
• Likelihood of Loading a Credit Card and Debit Card Into a Mobile Phone or Wallet, in % of Consumers, 2018
• Share of Consumers Who Are Familiar With Using Merchant Apps to Pay for Goods and Services, in %, 2017-2018
• New Forms of Payment Used Regularly, in % of Credit/Debit Card Owners, February 2018
6. Latin America
6.1. Regional
• Online and Mobile Payment Trends and News about Players, February 2019
• Breakdown of Online Purchases in the Past Month by Payment Method Used, in % of Online Shoppers with a Bank Account, by Selected
Countries, 2018
• Penetration of In-Store Mobile Payment App Users, in % of Banked Internet Users, by Selected Countries, 2018
• Share of Banked Internet Users Who Have Not Used Mobile Payment Apps/ Mobile Wallets In-Store But Intend to Use Them in the Next
Year, in %, by Selected Countries, 2018

14. 14
TABLE OF CONTENTS (8 OF 10)
6. Latin America (Cont.)
6.1. Regional (Cont.)
• Awareness of FinTech, by Company Type, in % of Banked Internet Users, by Selected Countries, 2018
6.2. Brazil
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, May 2018
• Share of Online Shoppers Who Received a Discount When Paying with a Specific Payment Method, in %, May 2018
• Breakdown of the Number of Payment Installments Used, in % of Online Shoppers, H1 2017 & H1 2018
• Share of Top 10 Payment Methods of E-Commerce Orders Placed and Approved, in %, and Approval Rate by Payment Method, in %, H1
2018
• Top 10 Factors Considered When Making an Online Purchase Decision, incl. Payment-Related, in % of Online Shoppers, May 2018
• Most Important Features in a M-Commerce App, incl. Payment-Related, in % of Mobile Shoppers, September 2018
• Share of Internet Users Who Are Likely To Use Mobile Payment Next Year, in % of Internet Users, Q1 2018
6.3. Argentinia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2017 & 2018
• Perceived Disadvantages of Online Shopping, in % of Online Shoppers, 2016 & 2017
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2017-2022f
6.4. Mexico
• Payment Methods Used in E-Commerce, in % of Online Shoppers, November 2018
• Payment Methods Offered in E-Commerce, in % of Online Merchants, November 2018
• FinTech Payment Methods Used to Make Purchases or Payments Online, in % of Online Shoppers Who Used FinTech Payments, July
2018
• Share of Internet Users Who Are Likely To Use Mobile Payment Next Year, in % of Internet Users, Q1 2018
6.5. Colombia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, by Shoppers With and Without a Bank Account, in % of Online
Shoppers, May 2018

15. 15
TABLE OF CONTENTS (9 OF 10)
6. Latin America (Cont.)
6.5. Colombia (Cont.)
• Payment-Related Aspects Considered When Shopping Online, in % of Online Shoppers, May 2018
6.6. Chile
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2017 & 2018
6.7. Dominican Republik
• Breakdown of Online Purchases in the Past Month by Payment Method Used, in % of Online Shoppers with a Bank Account, 2018
6.8. Peru
• Breakdown of Online Purchases in the Past Month by Payment Method Used, in % of Online Shoppers with a Bank Account, 2018
• Important Aspects in E-Commerce, in % of Online Shoppers, July 2018
7. Middle East & Africa
7.1. Regional
• Online and Mobile Payment Trends and News about Players, February 2019
• Share of Internet Users Who Used Smartphone to Pay for Goods and Services, in %, Q4 2017
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2017-2022f
7.2. UAE
• Share of Online Shoppers Paying by Cash on Delivery, in %, April 2018
• Breakdown of Payment Methods Used in E-Commerce, in % of Respondents, 2017 & 2018
• Breakdown of Frequency of Using Digital Wallets, in % of Respondents Who Use Digital Wallets, and Share of Non-Users Who Are
Likely to Start Using Digital Wallets in Near Future, in %, February 2018
• Overview of Selected Mobile Wallets, incl. Company and Launch Date, January 2019

16. 16
TABLE OF CONTENTS (10 OF 10)
7. Middle East (Cont.)
7.3. Saudi Arabia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2017
• Top Drivers of Online Shopping, incl. Payment-Related, by Product Category, in % of Online Shoppers, 2017
7.4. Israel
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2017 & 2018
7.5. South Africa
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2017 & 2018
• Breakdown of Factors That Would Encourage to Shop Online More, incl. Payment-Related, in % of Online Shoppers, August 2018
• Breakdown of Likelihood of Using Mobile Payments Next Year, in % of Internet Users, Q1 2018
7.6. Egypt
• Top 5 Payment Methods Used in Cross-Border E-Commerce, in % of Cross-Border Online Shoppers, May 2018
• Breakdown of Likelihood of Using Mobile Payments Next Year, in % of Internet Users, Q1 2018
7.7. Nigeria
• Share of Adults Who Made at Least One Digital Purchase in the Last 12 Month, in % of Adults, October 2018
• Top 5 Payment Methods Used in Cross-Border E-Commerce, in % of Cross-Border Online Shoppers, May 2018
• Breakdown of Likelihood of Using Mobile Payments Next Year, in % of Internet Users, Q1 2018
7.8. Lebanon
• Share of Online Shoppers Paying Online Compared to Cash on Delivery, in %, 2017
7.9. Kenya
• Mobile Payment Statistics, incl. Number of Transactions, in Millions, Value of Transactions, in KES Billion, Number of Accounts, in
Millions, and Number of Agents, in Thousands, 2008 – 2018
• Breakdown of Likelihood of Using Mobile Payments Next Year, in % of Internet Users, Q1 2018

17. 1. Management
Summary
17 – 23
2. Global Developments 24 – 39
3.
3.1.
3.2.
3.2.1.
3.2.2.
3.2.3.
3.2.4.
3.3
3.3.1.
3.3.2.
3.3.3.
3.3.4.
3.3.5.
Asia-Pacific
Regional
Advanced Markets
Japan
South Korea
Australia
Singapore
Emerging Markets
China
India
Indonesia
Thailand
Vietnam
40 – 74
40 – 42
43 – 54
44 – 47
48 – 51
52 – 53
54 – 54
55 – 74
56 – 64
65 – 69
70 – 71
72 – 72
73 – 74
6.
6.1.
6.2.
6.3.
6.4.
6.5.
6.6.
6.7.
6.8.
7.
7.1.
7.2.
7.3.
7.4.
7.5.
7.6.
7.7.
7.8.
7.9.
Latin America
Regional
Brazil
Argentina
Mexico
Colombia
Chile
Dominican Republic
Peru
Middle East &
Africa
Regional
UAE
Saudi Arabia
Israel
South Africa
Egypt
Nigeria
Lebanon
Kenya
136 – 161
137 – 141
142 – 148
149 – 151
152 – 155
156 – 157
158 – 158
159 – 159
160 – 161
162 –183
163 – 165
166 – 169
170 – 171
172 – 172
173 – 175
176 – 177
178 – 180
181 – 181
182 – 183
4.
4.1.
4.2.
4.2.1.
4.2.2.
4.2.3.
4.2.4.
4.2.5.
4.2.6.
4.2.7.
4.2.8.
4.3.
4.3.1.
4.3.2.
4.3.3.
4.3.4.
4.3.5.
4.3.6.
5.
5.1.
5.2.
5.3.
Europe
Regional
Advanced Markets
UK
Germany
France
Spain
Italy
Netherlands
Sweden
Belgium
Emerging Markets
Russia
Turkey
Poland
Portugal
Greece
Czech Republic
North America
Regional
USA
Canada
75 – 117
76 – 78
79 – 103
79 – 85
86 – 91
92 – 94
95 – 96
97 – 100
101 – 101
102 – 102
103 – 103
104 – 117
105 – 108
109 – 110
111 – 113
114 – 114
115 – 115
116 – 117
118 – 135
119 – 119
120 – 130
131 – 135
17

18. Note: does not add up to 100% due to multiple answers possible
Definition: individuals aged 18-65 who have purchased online in the previous 12 months from any of the following categories: appliances and technology, furniture, mobile devices,
travel, sport, bicycle and accessories, automobile and accessories or motorcycle and accessories
Survey: based on a survey of 2,200 consumers in 2017 and 2018; conducted in September – October 2017 and 2018; question asked “What forms of payment did you use when
purchasing over the Internet?“
Source: Cetelem, December 2018
2%
1%
4%
11%
22%
50%
56%
2%
1%
4%
10%
25%
52%
57%
0% 25% 50% 75% 100%
Other Payment Methods (Sofort,
Facilpay, Trustly, Aplazame, etc.)
Financing
Revolving Credit Card
Cash on Delivery
Credit Card
Debit Card
PayPal
2018
2017
18
PayPal’s popularity among Spain’s online shoppers increased by
+1p.p between 2017 and 2018, while debit cards were up by +2p.p.
Spain: Payment Methods Used in E-Commerce, in % of Online Shoppers, 2017 & 2018
in % of Online Shoppers

19. The number of mobile payment users in China continued to rise in
2018, reaching 566 million or 72% of mobile Internet users in June.
China: Number of Mobile Payment Users, in millions, and Penetration, in % of Mobile Internet Users,
2014 - 2017 & June 2018
217,4
357,7
469,2
527,0
566,1
39,0%
57,7%
67,5%
70,0% 71,9%
0%
20%
40%
60%
80%
100%
0
200
400
600
800
1000
2014 2015 2016 2017 June 2018
Number of Mobile Payment Users
Penetration in % of Mobile Internet Users
inmillions
in%ofMobileInternetUsers
Note: figures for 2014 - 2017 are as of December of each year
Source: China Internet Network Information Center, January 2016, August 2017, August 2018
19

20. 20