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Polls

POLL

In your opinion, which proximity technology will see the largest adoption for instant payments at the physical point of interaction in the coming 5 years?

Choices

Bluetooth Low Energy (BLE)

Near-Field Communication (NFC)

Merchant-presented Quick Response (QR)-codes

Consumer-presented QR-codes

Other

Vote

POLL

In your opinion, for which situation would the SEPA Request-to-Pay (SRTP) scheme be the most useful?

• For Person-to-Person payments (P2P) (17%)
• Customer-to-Merchant (C2M) or Merchant-to-Customer (M2C) (36%)
• Other Business-to-Customer (B2C) or Customer-to-Business (C2B) (20%)
• Business-to-Business (B2B) (18%)
• Business-to-Government (B2G) or Government-to-Business (G2B) (2%)
• Government-to-Customer (G2C) (5%)
• Other (1%)

POLL

In your opinion, what will be the SCT Inst volumes’ estimated share in total CT volumes (SCT + SCT Inst) in Q4-2022? (Latest data: 7.47% in Q3 2020)

• less than 10% (20%)
• 11%-20% (22%)
• 21%-30% (20%)
• 31%-40% (19%)
• above 40% (20%)

POLL

What will be the market share of cash by 2025 in the euro area as a % of the total number of POS payments? ECB data showed an average* share of 78.8% in 2016. *The relative usage of cash differs greatly among the 19 euro area countries

• less than 11% (8%)
• 11%-20% (12%)
• 21%-30% (14%)
• 31%-40% (17%)
• 41%-50% (15%)
• 51%-60% (13%)
• 61%-70% (13%)
• above 70% (8%)

POLL

When do you believe that electronic identification (eID) will play a critical role in customer identification and authentication for payments in Europe?

• Already now (32%)
• Within 2 years (28%)
• Within 2-5 years (24%)
• Within 5-10 years (6%)
• Beyond 10 years (5%)
• Never (5%)

POLL

Which biometric authentication technology do you consider to offer the greatest potential for customer adoption for payments in the coming 5 years?

• Fingerprint scanning (31%)
• Facial recognition (11%)
• Eye recognition (10%)
• Palm and vein reader recognition (4%)
• Voice recognition (5%)
• Other (4%)
• Multiple (29%)
• None (5%)

POLL

According to you, by when in Europe it will be a common practice to no longer check-out at physical merchants’? (i.e. payments taking place in the background):

• In 3 years (12%)
• In 5 years (32%)
• In 10 years (29%)
• More than 10 years (26%)

POLL

When do you think the critical mass of SEPA Instant Credit Transfer transactions will be reached across Europe?

• In 2018 (13%)
• In 2019 (28%)
• In 2020 (27%)
• After 2020 (32%)

POLL

In your opinion, for which situation would the SEPA Instant Credit Transfer scheme be the most useful?

• For consumer-to-business payments, when small businesses require to be paid on the spot (ex: moving company, antique dealer…) (48%)
• For person-to-person payments (35%)
• For transactions between corporates (14%)
• For government-related payments (taxes…) (1%)
• Other (2%)

POLL

In your opinion, how may blockchain technology impact the European payments landscape by 2025?

• No significant impact (9%)
• Impact in some niches or aspects of the payments activity (36%)
• Emergence of innovative customer payment solutions based on blockchain (31%)
• Impact on the overall infrastructure underlying the payments mass market (24%)