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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.

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METHODOLOGY OF THE CURRENT REPORT
Report Coverage
 This report covers the global online payment market. 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. In addition, information related to the impact of the coronavirus (COVID-19) on digital
payments worldwide is included in this report.
 The report includes data mostly published in the previous 12 months. 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.
 The rest of the report is divided by regions. Within each region, the countries are grouped by advanced and emerging markets, where applicable. Furthermore,
text charts summarizing the impact of COVID-19 on digital payments in each of the regions are included.
 Depending on data availability, the following types of market information are included: payment methods most used by online and mobile shoppers, breakdown
of E-Commerce orders by payment methods, number and value of online/mobile/alternative payment transactions, online/mobile/alternative payment user
penetration, and consumer and merchant attitudes to online and mobile payments. Not all the mentioned types of information are available for each of the
covered countries.

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DEFINITIONS
The following expressions and definitions are used in this 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
 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 payments made remotely in M-Commerce and proximity payments made in-
store, such as via QR code scanning and NFC technology.
 PROXIMITY MOBILE 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 & CONTACTLESS
PAYMENT
Near Field Communication is a set of standards to create radio communication by bringing devices close together or
having them touch each other. In that way, contactless data exchange and contactless payment transactions using an
NFC-enabled smartphone or other mobile device can take place. Similarly, contactless payments can be made by credit
and debit cards enabled with the contactless technology.
 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/DIGITAL WALLET A prepaid digital account, allowing users to store money and use it in online or mobile transactions. The examples of E-
Wallets or digital 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 Google Pay. Mobile wallets are often included in the broader category of E-Wallets or digital wallets.
 INSTANT PAYMENTS
Electronic payment solutions for retail which are available 24/7/365 and thus result in immediate or close-to-immediate
interbank clearing of transactions and crediting of the payees’ accounts and confirm the payment to the payer after
payment initiation.
 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.
 BUY NOW, PAY LATER (BNPL) a payment platform or service that allows shoppers to receive goods/services prior to making a payment by splitting the
payment across a set time period or pay back the full amount later.
 REAL-TIME PAYMENTS Immediate or faster payments that allow businesses and consumers to make and receive payments in real time, providing
convenience, speed, and faster availability of funds.

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TABLE OF CONTENTS (1 OF 22)
1. Management Summary
2. Global Developments
• Value of Payments, in USD trillion, by Region, and by Pre- and Post-COVID-19 Estimates, 2010, 2014, 2018, 2019 & 2020e
• Cash Usage in Mature Markets, by Countries, incl. Japan, Singapore, South Korea and the US, in % of Total Transactions Volume, 2010
& 2020e
• Cash Usage in Emerging Markets, by Countries, incl. Indonesia, India, Mexico and China, in % of Total Transactions Volume, 2010 &
2020e
• Number of Cashless Transactions, in billions, CAGR, in %, 2020, 2025f & 2030f
• Value of Mobile Commerce Transactions, in USD trillion, 2020 & 2025f
• Share of Mobile Commerce Transaction Value, in % of Overall E-Commerce Transaction Value, 2021e & 2025f
• Share of Contactless and E-Commerce Payments, in % of Total Digital Wallet Spend, 2025f
• Proximity Mobile Payment Users in Select Countries, in % of Smartphone Users, 2021e
• Top Payment Methods Consumers Consider Using In the Next Year, in % of Consumers, March 2021
• Top Online Payment Methods, in % of Respondents, August 2020
• Top Payment Methods Available, by B2C and B2B, in % of Payment Decision-Makers, 2020
• Mobile Wallet Adoption Rate, in % of Respondents, 2020
• Value of Digital Wallet Spending, in USD trillion, 2020 & 2025f
• Number of Digital Wallet Users, in billions, 2020 & 2025f
• Number of QR Code Payment Users, in billions, 2020e & 2025f
• Share of QR Code Payment Users, in % of All Mobile Phone Users, 2025f
• Share of QR Code Payments, in % of All Digital Wallet Transactions, 2020 & 2025f
• Number of Real-Time Payment Transactions in Select Countries, incl. India, China and South Korea, in billions, 2020
• Value of Instant Payments, in USD trillion, 2020e & 2025f
• Share Instant Payments, in % of Total B2B and Consumer Digital Money Transfer and Banking Payments Value, 2025f
• Share of Adults Who Expected Digital Payment Options being Offered When Shopping In-Person, in %, and Particular Digital Payment
Options Expected, in % of Adults, November 2020
• Top Payments Methods For Fraud Actions, in % of Fraud & Payment Professionals, August 2020
• Value of Losses Due to E-Commerce Fraud, in USD billion, 2020 & 2021e
• Value of Mobile Payment Transactions Authenticated via Biometrics, in USD trillion, 2020 & 2025f
• Number of Users Making Online Payment With Facial Recognition, in billions, 2020 & 2025f

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TABLE OF CONTENTS (2 OF 22)
2. Global Developments (Cont.)
• Number of Users Who Will Be Confirming Transactions With Voice Recognition, in millions, 2020 & 2025f
• Perception of Cryptocurrency, in % of Millennial Consumers, March 2021
• Breakdown of Blockchain Usage Cases, in %, 2021e
• Number of Blockchain Wallet Users, in millions, and Year-on-Year Change, in %, 2016 - 2020
• Breakdown of Respondents Attitude towards Cryptocurrency as an Effective Tool for Financial Inclusion in 5 Years, by Respondents
Occupational Status, July 2020
3. Asia-Pacific
3.1. Regional
• Online and Mobile Payment Trends, August 2021
• Card Payments Value, in USD trillion, and Year-on-Year Change, in %, 2019 - 2023f
• Value of Online Payments in Select Countries, in USD billion, 2020e
• Breakdown of Payment Methods, in % of Consumers, September 2020
3.2. Advanced Markets
3.2.1. Japan
• Value of Electronic Money Transactions, in JPY trillion, and Volume, in billions, 2019 & 2020
• Value of Electronic Money Transactions, in JPY billion, & Volume, in millions, January 2021 - May 2021
• Value of Debit Card Transactions, in JPY trillion, and Volume, in millions, 2019 & 2020
• Top Payment Methods Used At Least Once a Month, in % of Respondents, 2019 & 2020
• Top Payment Methods, in % of Adults, July 2021
• Breakdown of Awareness and Usage of Contactless Payments via a Smartphone, in % of Adults, July 2021
• Cashless Payment Usage Frequency Change Compared to a Year Before, in % of Respondents, November 2020
• Top Reasons for Using Cashless Payment Methods In-Store, in % of Respondents, November 2020
• Proximity Mobile Payment Users, in millions, and Share, in % of Population, 2020 - 2025f
• Breakdown of Top Payment Services via a Smartphone, in % of Adults, July 2021
• Cross-Border E-Commerce Consumers, in millions, Share, in % of Population, 2018 - 2022f
• Top Used QR Code Payment Service Providers, in % of Adults, July 2021
• Number of Real-Time Payment Transactions, in billions, 2020 & 2025f

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TABLE OF CONTENTS (3 OF 22)
3. Asia-Pacific (Cont.)
3.2. Advanced Markets (Cont.)
3.2.1. Japan (Cont.)
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f
3.2.2. South Korea
• Electronic Payment Value, in KRW billion, and Volume, in millions, Y-o-Y Change, in %, by Payment Method, 2019 & 2020
• Breakdown of Top Payment Methods When Shopping Online, in % of Adults, December 2020
• Top Payment Service Providers, in % of Adults, December 2020
• Online Shopping Penetration Rate, in % of Respondents, 2016 - 2020
• Mobile Wallet Transaction Value, in KRW trillion, and Year-on-Year Change, in %, 2019 - 2024f
• Number of Real-Time Payment Transactions, in billions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f
3.2.3. Australia
• Value of B2C Payments, by Type of Payment, in USD billion, May 2020 - December 2020
• Volume of B2C Payments, by Type of Payment, in millions, May 2020 - December 2020
• Share of Individuals Who Are Aware of Buy Now Pay Later Service Providers, in %, February 2021
3.2.3. Australia (Cont.)
• Awareness of Top Buy Now Pay Later Service Providers, in % of Individuals, February 2021
• Number of Real-Time Payment Transactions, in billions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f
• Alcohol Purchase Channels, by Type, in % of Adults, 2019 & 2020
3.2.4. New Zealand
• Card Payments Value, in NZD billion, and Year-on-Year Change, in %, 2019 - 2024f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f

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TABLE OF CONTENTS (4 OF 22)
3. Asia-Pacific (Cont.)
3.2. Advanced Markets (Cont.)
3.2.5. Singapore
• Card Payments Value, in USD billion, and Year-on-Year Change, in %, 2019 - 2024f
• Breakdown of Payment Methods, in % of Consumers 18 - 25 Years Old, September 2020
• Payment Methods Used More Often Amid COVID-19, in % of Consumers, July 2020
• Breakdown of a BNPL Service Usage and Awareness, in % of Individuals, April 2021
• Number of Real-Time Payment Transactions, in millions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f
3.3. Emerging Markets
3.3.1. China
• Number of Online Payment Users, in millions, and Penetration, in % of Internet Users, December 2016 - December 2018, March 2020 &
December 2020
• Number of Mobile Payment Users, in millions, and Penetration, in % of Mobile Internet Users, December 2016 - December 2018, March 2020 &
December 2020
• Third-Party Mobile Payment Transactions, in CNY trillion, Year-on-Year Change, in %, Q1 2019 - Q4 2020
• Breakdown of Third-Party Mobile Payment, by Type, in %, Q1 2019 - Q4 2020e
• Breakdown of Third-Party Mobile Payment GMV by Players, in %, Q2 2020
• Card Payments Value, in CNY trillion, Year-on-Year Change, in %, 2019 - 2023f
• QR Code Payment Transaction Value, in CNY trillion, Quarter-on-Quarter Change, in %, Q1 2019 - Q4 2020
• Number of Real-Time Payment Transactions, in billions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f
3.3.2. Taiwan
• Payment Methods in Physical Stores, in % of Consumers, 2019 & H1 2020
• Breakdown of Payment Methods Preferred to Make a Purchase, in % of Consumers, September 2020
• Mobile Payment Services Used, in % of Respondents, 2019 & 2020
• Number of Real-Time Payment Transactions, in millions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f

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TABLE OF CONTENTS (5 OF 22)
3. Asia-Pacific (Cont.)
3.3. Emerging Markets (Cont.)
3.3.3. Hong Kong
• Card Payments Value, in HKD billion, and Year-on-Year, in %, 2019 - 2024f
• Number of Real-Time Payment Transactions, in millions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f
3.3.4. India
• B2C E-Commerce Sales, in USD billion, and Year-on-Year Change, in %, 2019 - 2024f
• Mobile Wallet Transaction Value, in INR trillion, and Year-on-Year Change, in %, 2019 - 2024f
• Number of Unified Payments Interface Transactions, in billions, January - June 2021
• Number of Real-Time Payment Transactions, in billions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f
3.3.5. Indonesia
• Number of E-Money Transactions, in millions, and Value of E-Money Transactions, in IDR billion, 2015 – 2020
• Card Payments Value, in IDR trillion, Year-on-Year Change, in %, 2019 - 2024f
• Breakdown of Payment Methods, in % of Consumers, September 2020
• Payment Methods Used in the Past Year, in % of Respondents, H1 2021
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f
• Share of Proximity Mobile Payment Users, in % of Smartphone Users, 2021e
• Top Drivers of Choosing an Online Shopping Website, in % of Respondents, H1 2021
3.3.6. Thailand
• Breakdown of Payment Methods, in % of Consumers, September 2020
• Payment Methods Used for Online Shopping, in % of Respondents, 2020
• Number of Real-Time Payment Transactions, in billions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f

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TABLE OF CONTENTS (6 OF 22)
3. Asia-Pacific (Cont.)
3.3. Emerging Markets (Cont.)
3.3.7. Vietnam
• Breakdown of Payment Methods, in % of Consumers, September 2020
• Top Payment Methods Preferred When Shopping Online, in % of Consumers, 2019 & 2020
• Top Payment Methods, in % of Websites/Mobile Apps, 2019 & 2020
• Top Mobile Payment Service Providers, by Hanoi City and Ho Chi Minh City, in % of Adults, September 2020
• Top Barriers for Shopping Online, in % of Consumers, 2020
3.3.8. Malaysia
• Value of E-Money Transactions, in MYR billion, Volume, in millions, and Year-on-Year Change, in %, 2017 – 2020
• Value of Credit Card Transactions, in MYR billion, Volume, in millions, and Year-on-Year Change, in %, 2017 - 2020
• Value of Debit Card Transactions, in MYR billion, Volume, in millions, and Year-on-Year Change, in %, 2017 - 2020
• Card Payments Value, in MYR billion, and Year-on-Year Change, in %, 2019 - 2024f
• Breakdown of Payment Methods, in % of Consumers, September 2020
• Number of Real-Time Payment Transactions, in millions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f
3.3.9. Philippines
• Card Payments Value, in PHP billion, Year-on-Year Change, in %, 2019 - 2024f
• Breakdown of Payment Methods, in % of Consumers, September 2020
• Number of Real-Time Payment Transactions, in billions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Transaction Volume, 2020 & 2025f
4. Europe
4.1. Regional
• Overview of Online & Mobile Trends, June 2021
• Overview of News About Payment Industry Players, June 2021
• Overview of The Council of the European Union’s Plans Regarding Payment System, June 2021

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TABLE OF CONTENTS (7 OF 22)
4. Europe (Cont.)
4.1. Regional (Cont.)
• Profile of Real-Time Payments, and Objectives of the European Commission for 2021, June 2021
• Values of real-time Payments, in USD trillion, and Share of West Europe in the World’s Total, in %, 2020 & 2025f
• Share of SCT Inst in All SEPA Credit Transfer Transactions, October 2019 – September 2020
• Average Daily Transaction Value via RT1 real-time Payments, in EUR million, and Month-on-Month Change, in %, January 2020 –
November 2020
• Top Payment Methods Preferred, in % of Respondents, September 2020
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, by 12 Selected Countries, May 2020
• Breakdown of Select Payment Methods Offered by Merchants, by “Growth” and “Non-Growth” Mindsets of Merchants, in %, September
2020
• Consumers Who Shopped Online Via Mobile Phone/Tablet At Least Once, by 12 Selected Countries, in % of Consumers, May 2020
• Payment Behaviors When Shopping In Stores Impacted by COVID-19, in % of Respondents, September 2020
• Consumers Who Were Willing To Share Their Data, by Country, in % of Consumers, March 2020
• Breakdown of Organizations Where Consumers Share Their Personal Data, by the Degree of Willingness, in % of Consumers, March
2020
• Proximity Mobile Payment Users, in millions, and Year-on-Year Change, in %, 2019 - 2023f
4.2. Advanced Markets
4.2.1. UK
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Share of Contactless Card Payments Made In Stores, in % of Card Payments, 2020
• Top Preferred Payment Methods, in % of Consumers, January 2021
• Breakdown of Credit and BNPL Providers Used, in % of Respondents, October 2020
• Value of Debit Card Spending, in GBP billion, July 2019 & July 2020
• Value of Credit Card Spending, in GBP billion, July 2019 & July 2020
• Value of Faster Payments via Pay.uk, in GBP billion, and Year-on-Year Change, in %, December 2019 – December 2020
• Shares of Faster Payments in Total Payments, in %, November 2019 & November 2020
• Cryptocurrency Adoption Rates, by Age Groups, in % of Current and Previous Cryptocurrency Owners, Dec 2018 & Dec 2019

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TABLE OF CONTENTS (8 OF 22)
4. Europe (Cont.)
4.2. Advanced Markets (Cont.)
4.2.1. UK (Cont.)
• Use of Cryptocurrencies, in % of Current and Previous Cryptocurrency Owners, December 2019
• Breakdown of Adults’ Attitudes Towards the Potential Increase of The Limit for Contactless Transactions, in %, February 2021
• Top 3 Factors To Encourage Consumers To Try Open Banking Payment Method, in % of Online Shoppers, January 2021
• Share of Consumers Who Did not Complete a Payment Online, in%, & Top Reasons for Not Completing a Payment Online, in % of
Online Shoppers, January 2021
4.2.2. Germany
• Breakdown of E-Commerce Payment Methods, in % of E-Commerce Sales, 2020e
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Top Preferred Payment Methods, in % of Consumers, January 2021
• Breakdown of Preferred Payment Methods in Cross-Border B2C E-Commerce, incl., PayPal, Visa Credit Cards and MasterCard, in % of
Online Retailers, Q1 2020
• BNPL Adoption Rate, in % of Respondents Aware of BNPL, and Breakdown of Respondents Attitude Towards BNPL Usage in the
Future, by Consumer Type, in % of BNPL Users, 2020
• Breakdown of the Channels of the Last BNPL Payment, and the Potential BNPL Channel, in % of Respondents, 2020
• Top Payment Methods Offered in Online Stores, in % of Online Retail Store Owners, February 2021
• Breakdown of Payment Methods Offered in Online Stores, by Size of Enterprises, in % of Online Retail Store Owners, February 2021
• Share Online Retail Store Owners Who Plan and Do not Plan to Offer Additional Payment Methods in the Future, in %, February 2021
• Breakdown of Payment Methods That Will be More or Less Popular Among Customers in the Upcoming Years, by Decrease and
Increase in Popularity, in % of Online Retail Store Owners, February 2021
• Breakdown of Payment Methods That Will be More or Less Popular Among Customers in the Upcoming Years, by Decrease and
Increase in Popularity, in % of Online Retail Store Owners, February 2021
• Top Drivers of Sharing Personal Financial Data With a Primary Bank/Third Party Provider, in % of Internet Users, December 2020

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TABLE OF CONTENTS (9 OF 22)
4. Europe (Cont.)
4.2. Advanced Markets (Cont.)
4.2.2. Germany (Cont.)
• Top Factors to Consider Sharing Financial Data With a Bank/Third Party Provider, in % of Internet Users, December 2020
• Attitudes of Consumers Towards 2-Factor Authentication, August 2020
• Top Factors Considered When Shopping & Paying Online, in % of Respondents, August 2020
• Breakdown of Attitudes Towards a New EU Regulation for Online Payments, in % of Respondents, August 2020
• Breakdown of Additional Authentication Types When Paying Online, in % of Respondents, August 2020
• Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
• Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
• Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
4.2.3. France
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Top Preferred Payment Methods, in % of Consumers, January 2021
• Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
• Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
• Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
4.2.4. Spain
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Payment Methods Used For Online Purchases, in % of Respondents, 2019 & 2020
• Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
• Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
• Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
• Share of Consumers Who Purchased and Did not Purchase Via a Mobile or a Tablet In the Last 12 Months, in %, 2019 & 2020
• Share of Factors Valued the Most in Online Payments, in % of Respondents, 2019 & 2020

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TABLE OF CONTENTS (10 OF 22)
4. Europe (Cont.)
4.2. Advanced Markets (Cont.)
4.2.5. Italy
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Value of Contactless Payment Transactions, in EUR billion, 2018 – 2020
• Value of Mobile & Wearable Payment Transactions In Stores, in EUR billion, 2019 & 2020
• Value of Mobile Payment Transactions Outside the Store Transactions, in EUR billion, 2016 - 2020
• Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020
• Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %,June 2020
• Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
4.2.6. Netherlands
• Breakdown of Preferred Payment Methods, in % of Respondents, 2019 & 2020
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Volume of Payment Transactions, by Credit Card, Debit Card and Cash, in billions, 2010 - 2020
• Value of Payment Transactions, by Credit Card, Debit Card and Cash, in EUR billion, 2010 - 2020
• Breakdown of Transactions Value, by Payment Methods, in % of Total Transactions Value, 2015 - 2020
• Share of Top 3 Payment Methods, incl. Online Purchases & Spending, in % of Total Local & Cross-Border Market Share, 2020e
• Share of Real-Time Payments in Total Single Credit Transfers, in %, November 2020
• Volume of Real-Time Payments, in thousands, February 2019 & October 2020
4.2.7. Switzerland
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Breakdown of Payment Methods Used for Online Purchases, in % of Respondents, December 2020
• Breakdown of Reasons to Choose an Online Payment Methods, in % of Respondents, December 2020
• Value of Real-Time Payments via the Swiss Interbank Clearing (SIC) System, In CHF billion, and Year-on-Year Change, in %, January
2020 - October 2020

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TABLE OF CONTENTS (11 OF 22)
4. Europe (Cont.)
4.2. Advanced Markets (Cont.)
4.2.8. Sweden
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Project 27 Overview, June 2021
• Share of Daily Real-Time Payments via the Bankgirot System, in % of Total, 2020
• Number of Processed Transactions in the Bankgirot Real-Time Payment System, in millions, and Year-on-Year Growth, in %, January 2020 -
November 2020
4.2.9. Belgium
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Top Payment Methods When Shopping Online, in %, H1 2020
• Share of Respondents Aged 65-74 Year Old Who Made Contactless Payment At Least Once, in %, 2020 & 2021
• Share of Respondents Who Paid Via Smartphone At Least Once, in %, 2020 & 2021
• Share of Respondents Who Purchased Online Via a Mobile Device In the Last 12 Months, in %, 2019 & 2020
• Breakdown of Shopping Channels To Be Considered In the Future When Purchasing New Products/Services Online, in % of Respondents, April
2020
4.2.10. Norway
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
4.2.11. Denmark
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020

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TABLE OF CONTENTS (12 OF 22)
4. Europe (Cont.)
4.2. Advanced Markets (Cont.)
4.2.12. Finland
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Breakdown of Payment Methods Preferred When Shopping Online, in % of Consumers, May 2020
4.2.13. Austria
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020
• Breakdown of Payment Methods Used for Online Purchases, in % of Respondents, December 2020
• Breakdown of Reasons to Choose an Online Payment Method, in % of Respondents, December 2020
• Top Internet Fraud Cases, in % of Respondents, November 2020
• Factors That Would Make Online Shoppers Feel More Secure About Online Shopping, in % of Respondents, November 2020
4.3. Emerging Markets
4.3.1. Russia
• Share of Non-Cash Trade Turnover, in %, 2019 & 2020
• Online Payment Platforms Used, in % of Respondents, 2019 & 2020
• Awareness of the Fast Payment Service offered by the Central Bank, in % of Respondents, September 2020
• Share of Consumer Fund Transfers via the Faster Payment System, in % of Total, December 2020
• Average Daily Value of Payments via the Faster Payment System, in RUB million, January 2020 & September 2020
• Share of Cashless Transactions With a Debit Card, in %, & Share of Cashless Transactions, in % of Total Expenditures of Citizens,
2010 - 2019 & January - September 2020
• Share of Payments Made Via a Bank Card, in % Online Purchases, 2019 & 2020
4.3.2. Poland
• Breakdown of Preferred Payment Methods, in % of Internet Users, December 2020
• Top Preferred Payment Methods, by Age Groups, in % of Internet Users, December 2020

19
TABLE OF CONTENTS (13 OF 22)
4. Europe (Cont.)
4.3. Emerging Markets (Cont.)
4.3.2. Poland (Cont.)
• Breakdown of Payment Methods Offered, in % of Online Retailers, October 2020
• Payment Methods Encouraging Online Shopping, in % of Online Shoppers, March 2020
• Breakdown of Fast Transfer Services Used in E-Commerce, in % of Online Shoppers Paying by Fast Transfer Services, March 2020
• Volume of Transfers via Express Elixir Real-Time Payment System, in PLN billion, and Volume, in millions, November 2019 & November 2020
• Problems Encountered by Online Shoppers When Making Purchases Via Mobile, incl. Payment-Related, in % of Mobile Shoppers, March 2020
• Devices Used For Online Purchases, in % of Online Shoppers, March 2020
• Top 5 Factors Affecting Online Shoppers‘ Perception of Credibility of an E-Commerce Website When Purchasing for the First Time, incl.
Payment-Related, in % of Online Shoppers, March 2020
• Digital Payment Methods Owned, in % of Internet Users, November 2020
• Payment Methods Used When Purchasing via Computer/Laptop, in % of Online Shoppers Buying via Computer, 2019 & 2020
• Payment Methods Used in M-Commerce, in % of Mobile Shoppers, 2019 & 2020
4.3.3. Turkey
• Number of Domestic E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2018 - Q4 2020
• Number of Cross-Border E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2018 - Q4 2020
• Value of Domestic E-Commerce Transactions with Domestic Bank Cards, in TRY billion, and Volume, in millions, Q1 2020 & Q1 2021
• Value of Cross-Border E-Commerce Transactions with Domestic Bank Cards, in TRY billion, and Volume, in millions, Q1 2020 & Q1 2021
• Cryptocurrency Adoption Rate, in % of Respondents, Q1 2020
4.3.4. Czech Republic
• E-Banking Transactions Made, by Web Browser & Mobile Application, in % of Respondents, June 2020
• Payment Methods Used To Pay, in % of Respondents, January 2020
• Attitude Towards the Maximum Limit for Contactless Card Payments of CZK 500 (EUR 18.9), in % of Respondents, May 2020
• Effects of COVID-19 On Purchasing Behavior, in % of Respondents, May 2020
4.3.5. Portugal
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2020
• Online Banking Services Used For the First Time During Lockdown, in % of Adults, June 2020

20
TABLE OF CONTENTS (14 OF 22)
4. Europe (Cont.)
4.3. Emerging Markets (Cont.)
4.3.5. Portugal (Cont.)
• Share of Adults Who Considered Annoying Not Being Able to Use Contactless Payment, in %, June 2020
• Top Innovative Contactless Payments Emerged During COVID-19, in % of Adults, June 2020
4.3.6. Romania
• Share of Means Through Which Online Purchases Were Made, by Mobile Phone & Desktop, in %, 2019 & 2020
4.3.7. Hungary
• Breakdown of E-Commerce Transactions, by Payment Method, in %, 2020
• Volume and Value of Payments via the Hungarian Real-Time Credit Transfer Scheme (AFR), in millions, and in HUF trillion, March 2020 &
September 2020
4.3.8. Ukraine
• Volume of Cashless Transactions Made Via a Payment Card, in millions, 2019 & 2020
• Breakdown of Cashless Transactions Made Via a Payment Card, by Type of Transaction, in % of Transaction Volume, 2020
4.3.9. Bulgaria
• Payment Methods Used In the Past Months When Making Payments Online, in % of Consumers, April 2021
• Online Payment Methods Used More Frequently Now Than Before COVID-19, in % of Consumers, April 2021
4.3.10. Croatia
• Top Satisfactory Elements When Shopping Online, in % of Internet Users, November 2020
5. North America
5.1. Regional
• Overview of Online & Mobile Payment Trends, June 2021

21
TABLE OF CONTENTS (15 OF 22)
5. North America (Cont.)
5.1. Regional (Cont.)
• Online & Mobile Payment News About Players, June 2021
• Share of Mobile Transactions, in % of Overall Online Transactions, Q2 2019 & Q2 2020
• Switching At Least One Bill Payment to Paperless, by Generation, in % of Adult Consumers, December 2020
• Breakdown of Bills & Statements’ Receipt and Access Methods, in % of Adult Consumers, 2020 & 2021e
• Top Reasons of the Willingness to Receive Certain Bills and Statements Online, in % of Adult Consumers, December 2020
• Top Drivers of Using Mobile Apps to Interact With Companies, in % of Adult Consumers, 2020 & 2021
5.2. United States
• Number of Proximity Mobile Payment Users, in millions, and Year-on-Year Change, in %, 2020 - 2025f
• Number of Proximity Mobile Payment Users, in millions, and Its Share in Total Smartphone Users Number, in %, 2020 - 2025f
• Number of Proximity Mobile Payment Users, by Payment Platforms, in millions, 2021e
• Proximity Mobile Payment Average Annual Spending Value Per User, in USD, and Year-on-Year Change, in %, 2020 - 2025f
• Value of Mobile P2P Payment Transactions, in USD billion, and Year-on-Year Change, in %, 2020e - 2024f
• Value of B2B Payment Transactions, by Payment Method, in USD trillion, and Breakdown of B2B Payment Methods, in % of Total
Transaction Value, 2021f
• Digital Payments Used, by One Type & Two or More Types, in % of Consumers, 2016 - 2020
• Mobile Payment Providers Methods Typically Used, in % of US Adults, April 2021
• Payment Methods Preferred When Shopping Online, in % of US Adults, April 2021
• Payment Methods Preferred When Purchasing In-Store, in % of US Adults, April 2021
• Breakdown of Digital Payment Platforms Primarily Used, in % of Adults, April 2021
• Payment Methods Used When Paying Online in the Past Month, in % of Consumers, March 2021
• Payment Methods Used More Frequently After COVID-19 than Before, in % of Consumers, March 2021
• Drivers of Changed Payment Method Habits Amid COVID-19, in % of Consumers, March 2021
• Payment Methods Small Businesses Are Familiar With, in % of Small Businesses, February 2021
• Usage of Debit Cards, by Types of Services, in % of Respondents, 2018 & 2019 & 2020
• Retail-Oriented Online Credit Card & Debit Card Spend Penetration Rate, in % of Total Spending, January 2020 - January 2021
• Breakdown of Contactless Card Awareness, in % of Consumers, 2019 & 2020

22
TABLE OF CONTENTS (16 OF 22)
5. North America (Cont.)
5.2. United States (Cont.)
• Adults Who Intend to Continue Using Contactless Payment Forms After COVID-19, by Generation, in %, September 2020
• BNPL User Penetration Rate, in %, and Share of BNPL Users Who Missed at Least One Payment, in %, December 2020
• Top BNPL Applications, in % of Total BNPL Apps Downloads, Q4 2018 & 2019 & 2020 & Q1 2021
• Share of Consumers Who Would Use a Zero Interest BNPL Offered by PayPal for Online Shopping Instead of BNPL Provider Used in the Past,
in %, 2020
• Top Reasons for Using BNPL Option, in % of Adults, March 2021
• BNPL User Penetration Rate, in % of Respondents, and Change in Use of BNPL Compared to March 2020, in %, by Age Groups, September
2020
• BNPL Service User Penetration Rates, by Age Groups, in % of Consumers, July 2020 & March 2021
• Breakdown of BNPL Usage, by Credit Utilization Rate at First BNPL Transaction, in %, July 2020
• Breakdown of Most Common BNPL Lenders Used, incl. Afterpay, Affirm, Bread, GreenSky, Klarna, and QuadPay, in % of BNPL Users, May
2020
• Breakdown of Most Common BNPL Lenders Used, incl. Affirm, Afterpay, FuturePay, Klarna, and PayPal, in % of Adult BNPL Users, March 2021
• Number of BNPL Users, by Service Provider, incl. Affirm, Afterpay, Bread, FuturePay, Klarna, PayPal, QuadPay, Sezzle, and Splitit, in millions,
November 2021
• Breakdown of BNPL Users’ Attitude Towards BNPL Lenders Compared to Credit Card Companies, in % of Adult BNPL Users, March 2021
• Average Amount Spent via BNPL, in % of Adult BNPL Users, March 2021
• Breakdown of Reasons to Use BNPL, in % of Online Consumers, September 2020
• Breakdown of Intentions to Use BNPL Services in the next 12 Months, in % of Adults, July 2020 & March 2021
• Cryptocurrency Adoption Rate, and Global Average Cryptocurrency Adoption Rate, in % of Population, December 2020
• Product Categories Purchased/to Be Purchased with Cryptocurrency, by Owners & Nonowners, in % of Consumers, February 2021
• Consumers Who Made Purchases Using Cryptocurrency, by Product Categories & Generation, in %, February 2021
• Consumers Who Would Consider Purchasing in the Future Using Cryptocurrency, by Product Categories & Generation, in %, February 2021
• Breakdown of Digital Payment Platforms That are Trusted to Invest In or Purchase With Cryptocurrency of Choice, in % of Respondents, April
2021
• COVID-19 Precautions to Be Taken While Shopping In-Stores, in % of Consumers Who Have Been or Plan to Be Vaccinated, January 2021
• Share of Instant Payments, in % of Global Instant Payment Transaction Values, 2025f
• Top Reasons for Shopping Cart Abandonment During Checkout, in % of Adults, December 2020

23
TABLE OF CONTENTS (17 OF 22)
5. North America (Cont.)
5.3. Canada
• Payment Methods Used When Paying Online in the Past Month, in % of Consumers, March-April 2021
• Payment Methods Used More Frequently After COVID-19 than Before, in % of Consumers, March 2021
• Top 3 Payment Methods, by Usage Frequency, April 2021
• Drivers of Changed Payment Method Habits Amid COVID-19, in % of Consumers, March 2021
• Breakdown of Payment Methods, in % of Total Transaction Volume, 2019
• Breakdown of Payment Methods, in % of Total Transaction Value, 2019
• Volume of POS Transactions, in millions, Value of POS Transactions, in USD million, by Payment Method, and Year-on-Year Change, in
%, 2018 & 2019
• Volume of Remote Transactions, in millions, Value of Remote Transactions, in USD million, by Payment Method, and Year-on-Year
Change, in %, 2018 & 2019
• Top Payment Methods Used by Businesses, by Small & Medium and Mid-Market Companies, in % of Total Expenditures, November
2020
• Value of B2C E-Commerce and M-Commerce Sales, by November 2019 & November 2020 Forecasts, in CAD billion, 2020e
• Payment Methods When Making Purchases Online in the Last 12 Months, in % of Adult Online Shoppers, March 2020
• Awareness of Digital Wallets & Mobile Payment Services, by Province, in % of Adult Internet Users, March 2020
• Share of Respondents Who Believe That Online Shopping Increases Exposure to Fraud, in %, February 2021
• Top Factors That Impact the Online Shopping Comfort Level, in % Respondents, February 2021
• Breakdown of Respondents Who Wish BNPL Option to be Offered, by Checkout Channel, and by Age Groups, in %, January 2021
6. Latin America
6.1. Regional
• Post-COVID-19 Online Payment Market, August 2021
• Card Ownership in Select Countries, by Card Type, in % of Internet-Using and Banked Population, 2019 & 2020
• Top Devices Used For The Purchase of Products/Services Online, in % of Internet-Using & Banked Adults, 2019 & 2020
• Cash Usage Decrease, in % of Consumers, 2020
• Top Payment Methods Used for In-Store Purchases, in % of Consumers, 2020
• Top Payment Methods Used for E-Commerce Purchases Amid COVID-19, in % of Consumers, 2020

24
TABLE OF CONTENTS (18 OF 22)
6. Latin America (Cont.)
6.1. Regional (Cont.)
• B2C E-Commerce Sales Year-on-Year Change, by 3 Forecasts Made in Nov 2019, May 2020 & Dec 2020, 2018 - 2022f
• B2C E-Commerce Sales, in USD billion, 2019 - 2020e
• Breakdown of Mercado Libre B2C E-Commerce Sales, by Select Countries, by Mobile & Non-Mobile, in % of Total B2C E-Commerce
Sales, 2020e
6.2. Brazil
• Number of WhatsApp Users, in millions, Y-o-Y Change, in %, 2019 - 2024f
• Number of Real-Time Payment Transactions, in billions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Volume, 2020 & 2025f
• Top Payment Methods Preferred For Online Shopping on International Websites, in % of Cross-Border Consumers, 2020
• Breakdown of EBANX Online Merchants’ Payment Methods Offered, in % of Total Volume of Payments, Q1 2019 - Q4 2020
• Top Payment Methods Used When Shopping Online via a Mobile, in % of Consumers, June 2021
• Top Reasons Not to Use Mobile Payment App, in % of Consumers, June 2021
• Share of Consumers Who Already Made a Purchase Online, in %, June 2021
• Value of Overall Card Payments, in BRL trillion, 2019 & 2020
• Value of Debit and Credit Card Payments, in BRL billion, 2019 & 2020
• Value of Prepaid Card Payments, in BRL billion, 2019 & 2020
• Value of Online Purchases Made by a Mobile Phone, in BRL billion, 2019 & 2020
• Card Ownership, by Debit, Credit and Prepaid Cards, in % of Brazilian IBA Adults, 2019 & 2020
• Top Devices Used to Purchase a Product/Service Online, in % of Brazilian IBA Adults, 2019 & 2020
• Share of Respondents Who Suffered and Did not Suffer from Financial Fraud, in %, 2019 & 2021
6.3. Mexico
• Top Payment Methods Preferred For Online Shopping on International Websites, in % of Cross-Border Consumers, 2020
• Average Value of Credit and Debit Cards Transactions, in MXN, 2015 - 2020
• Number of Real-Time Payment Transactions, in billions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Volume, 2020 & 2025f

25
TABLE OF CONTENTS (19 OF 22)
6. Latin America (Cont.)
6.3. Mexico (Cont.)
• Value of Debit Card E-Commerce Transactions, in MXN billion, Number of Debit Card E-Commerce Transactions, in millions, Q1 2020 &
Q1 2021
• Value of Credit Card E-Commerce Transactions, in MXN billion, Number of Credit Card E-Commerce Transactions, in millions, Q1 2020
& Q1 2021
• Share of Purchases Made via Credit and Debit Cards, in % of Value and Volume of E-Commerce Purchases, Q1 2021
• Card Ownership, by Debit, Credit and Prepaid Cards, in % of Mexico IBA Adults, 2019 & 2020
• Top Devices Used to Purchase a Product/Service Online, in % of Mexico IBA Adults, 2019 & 2020
6.4. Argentina
• Breakdown of Top Payment Methods, in % Total Sales Made in a Year, 2019 & 2020
• Card Ownership, by Debit, Credit and Prepaid Cards, in % of Argentine IBA Adults, 2019 & 2020
• Number of Real-Time Payment Transactions, in millions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Volume, 2020 & 2025f
• Top Payment Methods Used in the Past Month, in % of Argentine IBA Adults, 2019 & 2020
6.5. Colombia
• Top Payment Methods Preferred For Online Shopping on International Websites, in % of Cross-Border Consumers, 2020
• Card Ownership, by Debit, Credit and Prepaid Cards, in % of Colombian IBA Adults, 2019 & 2020
• Top Payment Methods Used in the Past Month, in % of Colombian IBA Adults, 2019 & 2020
• Number of Real-Time Payment Transactions, in millions, 2020 & 2025f
• Breakdown of Payment Methods, in % of Volume, 2020 & 2025f
6.6. Chile
• Top Payment Methods Preferred For Online Shopping on International Websites, in % of Cross-Border Consumers, 2020
• Top Payment Methods Used in the Past Month, in % of Chilean IBA Adults, 2019 & 2020
• Top Devices Used to Purchase a Product/Service Online, in % of Chilean IBA Adults, 2019 & 2020
• Number of Real-Time Payment Transactions, in millions, 2020 & 2025f

26
TABLE OF CONTENTS (20 OF 22)
6. Latin America (Cont.)
6.6. Chile (Cont.)
• Breakdown of Payment Methods, in % of Volume, 2020 & 2025f
• Online Payment Transactions, in % Year-on-Year Change, H1 2015 - H1 2020
6.7. Peru
• Card Ownership, by Debit, Credit and Prepaid Cards, in % of Peruvian IBA Adults, 2019 & 2020
• Top Payment Methods Used in the Past Month, in % of Peruvian IBA Adults, 2019 & 2020
• Breakdown of Payment Methods, in % of Volume, 2020 & 2025f
• Number of Real-Time Payment Transactions, in millions, 2020 & 2025f
6.8. Dominican Republic
• Card Ownership, by Debit, Credit and Prepaid Cards, in % of Dominican Republic IBA Adults, 2019 & 2020
• Number of Mobile Payment Users, in millions, 2015 - 2020 & H1 2021
• Value of Instant Payments, in USD billion, and Number, in millions, 2019 - 2020 & H1 2021
• Domestic E-Commerce Transactions with Payment Cards, incl. Number, in thousands, and Value, in DOP million, by Card Type, 2019,
2020 & H1 2021
• International E-Commerce Transactions with Payment Cards, incl. Number, in thousands, and Value, in DOP million, by Card Type,
2019, 2020 & H1 2021
7. Middle East & Africa
7.1. Regional
• COVID-19 Impact on Online & Mobile Payment, July 2021
• Share of Adults Who Plan to Use Cryptocurrency as a Payment Method in the Next Year, in %, March 2021
• Share of Adults Who Were More Open to Using Cryptocurrency Than a Year Ago, in %, March 2021
• Share of Adults Who Would Avoid Businesses That Don’t Accept Electronic Payments, in %, March 2021
• Share of Adults Who Prefer to Shop More at Omnichannel Businesses, in %, March 2021
• Change in Usage of Shopping Channels When Social Distancing/Social Isolation Measures Are Removed, in % of Respondents, 2020

27
TABLE OF CONTENTS (21 OF 22)
7. Middle East & Africa (Cont.)
7.1. Regional (Cont.)
• Overview of Mobile Money Statistics, incl. Number of Live Services, Registered Accounts, in millions, Active Accounts, in millions,
Transaction Volume, in millions, & Y-o-Y Growth, in %, by Sub-Region, 2020
• Total Investment Raised by African FinTech, in USD million, 2019 & 2020e
• Breakdown of Funds Invested in Equity-Funded Verticals, in % of Total, 2020
7.2. UAE
• Share of Consumers Who Claimed That Digital Payments Help Them Save Money, in %, March 2021
• Share of Consumers Who Use Cards or Digital Wallets to Pay Online, in %, 2020
• Breakdown of Perceived Online Purchases’ Frequency Change after COVID-19, in % of Merchants with an E-Commerce Platform, 2020
• Average Spend per Online Payment Transaction, in USD, May 2017 - April 2018, May 2018 - April 2019 & May 2019 - April 2020
7.3. Saudi Arabia
• Share of Adults Who Considered Using Emerging Payments, in %, March 2021
• Top Emerging Payment Methods To Be Used in the Next Year, in % of Adults, March 2021
• Top Selection Criteria When Choosing Online Shopping Platform, in % of Consumers, August 2020
7.4. Israel
• Top Financial Transactions Performed on Payment Platforms via a Smartphone, in % of Adults, 2018, 2019 & 2020
7.5. Jordan
• Volume of Transactions Made via Mobile Payment Systems, in millions, March 2020 - December 2020
• Share of Transactions via Mobile Payment Systems, by Type, in % of Total Transactions, 2020
• Year-on-Year Change of the Transaction Volume Via Mobile Payment Systems, in %, January 2020 - December 2020

28
TABLE OF CONTENTS (22 OF 22)
7. Middle East & Africa (Cont.)
7.6. South Africa
• Value of B2C E-Commerce, in ZAR billion, 2018 & 2020
• Card Payments Value, in ZAR trillion, and Year-on-Year Change, in %, 2016 - 2024f
• Share of Consumers Shopping More Online Since the COVID-19 Onset, in %, November 2020
7.7. Egypt
• Volume of Electronic Transactions, in millions, March 2020 & October 2020
• Volume of Electronic Payment Cards, in millions, December 2017 & December 2020
• Number of Debit and Credit Cards, in millions, December 2017 & December 2020
7.8. Nigeria
• Electronic Payment Transactions, incl. Number, in millions, and Value, in NGN billion, by Type, August 2020
7.9. Morocco
• Value of Electronic Banking Transactions, in MAD billion, and Volume, in millions, First 9 Months of 2019 & First 9 Months of 2020
• Breakdown of Card Payments, by Category, in % of Total Volume, September 2020
• Value of Online Payments via Moroccan Cards, in MAD billion, and Volume, in millions, H1 2019 & First 9 months of 2020
• Value of Online Payments via Foreign Cards, in MAD billion, and Volume, in millions, H1 2019 & First 9 months of 2020
• Number of Online Payment Transactions, in millions, and Value, in MAD million, by Transactions with Moroccan Cards, Foreign Cards
and Total, 9 months 2017 - 9 months 2020
7.10. 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, 2015 - 2020 & Jan - Apr 2021

29
1. Management Summary 29 – 32
2. Global Developments 33 – 65
3.
3.1.
3.2.
3.2.1.
3.2.2.
3.2.3.
3.2.4.
3.2.5.
3.3.
3.3.1.
3.3.2.
3.3.3.
3.3.4.
3.3.5.
3.3.6.
3.3.7.
3.3.8.
3.3.9.
Asia-Pacific
Regional
Advanced Markets
Japan
South Korea
Australia
New Zealand
Singapore
Emerging Markets
China
Taiwan
Hong Kong
India
Indonesia
Thailand
Vietnam
Malaysia
Philippines
66 – 157
66 – 70
71 – 107
71 – 85
86 – 92
93 – 99
100 – 101
102 – 107
108 – 157
108 – 117
118 – 122
123 – 125
126 – 131
132 – 137
138 – 141
142 – 146
147 – 153
154 – 157
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.
4.2.9.
4.2.10.
4.2.11.
4.2.12.
4.2.13.
4.3.
4.3.1.
4.3.2.
4.3.3.
4.3.4.
4.3.5.
4.3.6.
4.3.7.
4.3.8.
4.3.9.
4.3.10.
Europe
Regional
Advanced Markets
UK
Germany
France
Spain
Italy
Netherlands
Switzerland
Sweden
Belgium
Norway
Denmark
Finland
Austria
Emerging Markets
Russia
Poland
Turkey
Czech Republic
Portugal
Romania
Hungary
Ukraine
Bulgaria
Croatia
158 – 311
158 – 172
173 – 270
173 – 187
188 – 210
211 – 216
217 – 223
224 – 230
231 – 238
239 – 243
244 – 249
250 – 255
256 – 258
259 – 261
262 – 264
265 – 270
271 – 311
271 – 278
279 – 290
291 – 295
296 – 299
300 – 303
304 – 304
305 – 306
307 – 308
309 – 310
311 – 311
5.
5.1.
5.2.
5.3.
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.
7.10.
North America
Regional
United States
Canada
Latin America
Regional
Brazil
Mexico
Argentina
Colombia
Chile
Peru
Dominican Republic
Middle East & Africa
Regional
UAE
Saudi Arabia
Israel
Jordan
South Africa
Egypt
Nigeria
Morocco
Kenya
312 – 375
312 – 319
320 – 360
361 – 375
376 – 434
376 – 385
386 – 400
401 – 409
410 – 414
415 – 419
420 – 425
426 – 429
430 – 434
435 – 468
435 – 444
445 – 448
449 – 451
452 – 452
453 – 455
456 – 458
459 – 461
462 – 462
463 – 467
468 – 468

30
QR Code Payments
47%
Other
53%
2025f
2020
QR Code Payments
40%
Other
60%
Despite being one of the leading payment methods among digital wallet
transactions worldwide, the share of QR code payments are projected
to decline from 47% in 2020 to 40% in 2025.
Global: Share of QR Code Payments, in % of All Digital Wallet Transactions, 2020 & 2025f
Source: Juniper Research, March 2021

31
0.3%
7.4%
20.0%
24.5%
52.1%
71.1%
86.0%
0% 25% 50% 75% 100%
Others
Debit Card
Non-Transportation E-Money Card
Transportation-Related E-Money Card
Mobile Payments (QR or Touch Payments)
Credit Card
Cash
in % of Adults
As per another source, “Cash” (86%) was the most common choice for
payments among the Japanese, followed by “Credit Card” (71%),
as of July 2021.
Japan: Top Payment Methods, in % of Adults, July 2021
Survey: based on a survey of 45,000 adults (16-69 aged), conducted between July 1st
and 5th
, 2021
Source: MMD Research Laboratories, July 2021

32
43%
36%
19%
19%
27%
31%
11%
14%
0%
20%
40%
60%
80%
100%
2018 2020
Mobile Wallets, Apps &
Others
Debit Cards
Credit Cards
Cash
in
%
of
Respondents
European consumers’ general preference for cash when paying for
services declined from 2018 to 2020, while for electronic payments on
the whole increased in 2020.
Europe: Top Payment Methods Preferred, in % of Respondents, September 2020
Survey: based on a survey of 3,500 respondents in 12 European countries, conducted in August 2020 - September 2020 and in 2018 with 10 European countries; question asked
“What is your general preference for payments when you are shopping or paying for services?“
Source: PwC Strategy& cited by Fintechnews Switzerland, December 2020

33
Purchased Via a
Mobile or a Tablet
In the Last 12
Months
68%
Did not Purchase
Via a Mobile or a
Tablet In the Last
12 Months
32%
2020
2019
Purchased Via a
Mobile or a Tablet
In the Last 12
Months
71%
Did not Purchase
Via a Mobile or a
Tablet In the Last
12 Months
29%
Share of Spanish consumers who purchased via a mobile or a tablet in
the last 12 months slightly increased from 68% in 2019 to 71% in 2020.
Spain: Share of Consumers Who Purchased and Did not Purchase Via a Mobile or a Tablet In the Last 12
Months, in %, 2019 & 2020
Survey: based on a survey of 2,200 respondents aged 18-65, conducted from the 16th of October, 2020 - 30th of October, 2020; question asked “Have you made any purchase
through your mobile device (Smartphone or Tablet) in the last 12 months? (single answer)“
the source does not reveal 2019 survey details
Source: Cetelem, October 2020

34
7%
9%
12%
23%
25%
36%
45%
53%
59%
0% 10% 20% 30% 40% 50% 60% 70%
Voucher Benefits
Store Card
Cash
Mobile Payment via App
Automatic Debit Card
PIX
Bank Payment Slip
Credit Card
Installment Credit Card
in % of Consumers
An “Installment Credit Card” (59%) and “Credit Card” (53%) were the
most common payment methods when shopping online via mobile in
Brazil, as of June 2021.
Brazil: Top Payment Methods Used When Shopping Online via a Mobile, in % of Consumers, June 2021
Survey: based on a survey of 579 consumers, conducted in June 2021; question asked “What is the most used payment method when you shop online via mobile?“
Source: SBVC, Qualibest, July 2021

35