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The Future of European payments : strategic choices for banks

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<title>Future of European payments</title>
<subTitle>: strategic choices for banks</subTitle>
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<namePart>McKinsey & Company</namePart>
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<name type="corporate" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20200023463">
<namePart> Euro Banking Association</namePart>
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<publisher>McKinsey & Company</publisher>
<publisher>Euro Banking Association</publisher>
<dateIssued>2020</dateIssued>
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<abstract displayLabel="Abstract">This paper is based on research and analysis undertaken by McKinsey & Company and the Euro Banking Association between November 2019 and November 2020. Payments and accounts services are at the core of banks' offering to customers. They contributed about a third of European banks' total revenues in 2019, and represent banks' leading source of customer interactions. Banks' payments revenues have grown steadily at about 3 percent per year over the past six years. However, some specialist payments providersprocessors, acquirers, schemes, and othershave achieved double-digit growth rates over the same period. This suggests that banks' traditional role at the centre of the payments ecosystem may be coming under challenge.</abstract>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20090040731">
<topic>Servicios de pago</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080588083">
<topic>Sistemas bancarios</topic>
</subject>
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<topic>Perspectivas económicas</topic>
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<topic>Futuro</topic>
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<geographic>Europa</geographic>
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