益普索：2025年欧洲央行数字用户研究报告（英文版）

Digitalisation is reshaping the way payments are made, with cash usage steadily declining as online shopping and digital transactions continue to grow. In response to this shift, the Eurosystem is working on the development of the digital euro, a digital form of cash that would be issued by the European Central Bank (ECB). The digital euro would be accessible to everyone across the euro area, enabling seamless transactions in physical and online shops, as well as between individuals. It would