Payments and Lending

Use trusted payments analytics and data to track performance, benchmark competitors and understand trends shaping the digital payment market, consumer finance and the future of the payments industry.

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Insight to navigate a rapidly evolving payments landscape

Businesses across the payments and lending industry rely on our data to understand market dynamics, assess performance and plan for growth. Our payment data analytics and lending analytics provide a comprehensive view of the payments landscape, covering the digital payment market, consumer finance and the lending market.

 

Use our insight to analyse payment industry trends, evaluate opportunities across markets and understand how innovation, fintech solutions and shifting consumer behaviour are reshaping demand. With consistent, comparable data across countries and channels, you can benchmark performance, refine strategy and make confident decisions.

Align strategy with market dynamics

Benchmark performance across payments and lending markets to understand competitive positioning. Use data‑led insight to guide product, marketing and growth strategy in line with evolving market conditions.

Build smarter product strategies

Analyse consumer and commercial payment behaviour to understand how preferences vary across markets. Use insight into payment methods and capacity to prioritise channels and optimise product and service strategies.

Identify opportunities across markets

Assess the size and potential of payments and lending markets across regions and categories. Explore trends, regulation and competition to uncover growth opportunities and refine positioning in the consumer finance industry.

Our coverage

We research three distinct categories, with detailed sub-category breakdowns: consumer lending, e-commerce proximity payments by industry and financial cards & payments. We research 47 countries and produce modelled data where we don’t have local in-country analysts.

 

  • Historic data and forecasts
  • Annual and quarterly updates
  • Commercial and consumer payment systems
  • Number of transactions, transaction value and cards in circulation
  • Gross lending and outstanding balance value
  • Transaction value for consumer payments and B2B payments by payment type

Actionable insights

Use our thought-provoking insights to understand the key drivers influencing industry growth.

 

  • Industry analysis and opinions
  • Megatrends and hot topics
  • Global company profiles​
  • Videos; podcasts; webinars​

Who uses it

Our data analytics and insights support a wide range of functions across your organisation. You have a single source of truth when making your strategic decisions.

 

  • Strategy: Strategy planning; Consumer insights; M&A
  • Marketing: Category teams; Brand teams; Channel development
  • Commercial: Country managers; Business development; Sales teams; Revenue management
  • Research and development: Product development; Innovation
  • Corporate: Investor relations; Annual reports; IPOs

Solutions to help you understand industry trends and drivers

We partner with you to provide the right subscription database, custom research or report to support your decisions.

Subscription

Passport is our award-winning market research knowledge hub for forward thinkers. Demolish doubt and turn your ideas into data-backed strategies. More than 60,000 users are already making commercial decisions using Passport. Are you ready to join them?

Custom Research

Our consulting team specialises in deep exploration of your markets. Whether you are looking for more in-depth analysis of existing data, or to commission original new research we can help guide you on your pathway to growth.

Report Store

Our market research reports are your first step to understanding a category or market. Choose from tens of thousands of reports published annually. Reports are available to download immediately, an ideal solution if you need to understand key market drivers quickly.

 

Our research answers your biggest questions:

  • What are the key payment industry trends shaping the global payments and lending landscape?
  • How are digital payments, fintech solutions and changing behaviour transforming the consumer finance industry?
  • Which markets, channels and products offer the strongest growth opportunities in the digital payment market and lending market?
  • How can you benchmark performance and validate strategy using trusted payments analytics and market research?

 

What can you expect:

  • An expert will reach out to schedule a demo and gain a deeper understanding of your business needs
  • Experience a personalised walkthrough of the platform
  • We’ll follow up with a tailored solution and clear next steps

Explore our payments and lending insights

Fintech’s Next Phase: Lending, Security and Digital Currencies

Fintech is accelerating a structural transformation in payments and lending, driving significant uptake of digital wallets, stablecoins, and buy now, pay later (BNPL) offerings, while facing heightened challenges from increasing payment fraud. Payment companies and merchants must manage an environment where consumer demands, security risks and competitive pressures are changing more rapidly than before.

The Loyalty Edge: How UK Grocers Win Repeat Customers

The UK grocery retail landscape has become increasingly defined by the prominence of member-only pricing, as retailers seek to deepen loyalty participation and reinforce perceptions of value amid a highly constrained macroeconomic backdrop marked by the rising cost of living and skyrocketing energy prices.

Understanding Cross‑Country Loyalty Dynamics in the Airline Industry

Cross-country differences in loyalty participation and spending reveal how effectively programmes convert engagement into commercial impact. Using Euromonitor’s Loyalty Contribution Index and Loyalty Index, this article explores how airline markets compare globally and how company strategies align with national loyalty dynamics.

Money 20/20 Europe

One of the world's leading fintech events, bringing together senior leaders from banking, payments, technology, fintech and regulation to shape the future of financial services.

FinovateEurope

FinovateEurope 2026 is the premier fintech event, bringing together over 1,000 industry leaders for 30+ live demos, expert panels, and dynamic networking.

Top Five Trends in Payments in 2026

Payments and lending is rapidly evolving as innovation from fintech impacts every part of a transaction. Digital currency investment is accelerating as the use cases for them continue to expand, while credit is now projected to become the most used card function by payment value in 2030. Also driving payments are the more than 400 million newly banked consumers and the USD28 trillion in available commercial paper payments.

Introducing Euromonitor's Trending Topics

Euromonitor presents five crucial trending topics across industries that businesses must understand to thrive in today's volatile environment. These topics include Market volatility, Beyond affordability, Healthy longevity, Intentional consumption, and Next-gen online storefront. By analysing these trends, companies can identify opportunities for growth and adapt their strategies accordingly. The insights provided aim to help businesses stay relevant and profitable in a rapidly changing landscape.

The Rise of Credit Cards

Financial cards are cementing their status as the world's top payment choice, while cash continues its steady decline. Shifting consumer preferences and government pushes for safer, more transparent transactions are driving this shift. Debit cards lead in payment value, but credit cards are set to grow faster globally. Watch this video to find out what lies behind this trend. 

Customer Loyalty in the MEA Region

Loyalty programmes are a powerful tool that can help you build strong customer relationships. Sign up for this webinar to gain insights on the MEA landscape and how you can transform your loyalty strategy in the region. You’ll get actionable takeaways to enhance customer retention and drive growth.

Decoding Gen Alpha as Asia’s next growth engine

This report extract distils Euromonitor International’s latest insights on how Gen Alpha’s ecosystem—spanning technology, wellness, culture and family dynamics—is creating immediate and long‑term growth opportunities across Asia Pacific, with distinct implications by market.
View all payments and lending insights