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The Future of European payments : strategic choices for banks

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      <subfield code="a">The Future of European payments</subfield>
      <subfield code="b">: strategic choices for banks</subfield>
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      <subfield code="a">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.</subfield>
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