欧洲央行：2024年数字欧元盘点和下一步行动报告（英文版）

Declining use of cash: the proportion of cash payments fell from 72% to 59% (2019-2022); number of banknotes in circulation decreased for the first time in 2023. Fragmentation: there is no single European payment solution for digital payments at the point of sale anywhere in the euro area. Dependence on international providers: 13 out of 20 euro area countries don’t have a national card scheme and rely instead on international schemes for digital payments. These schemes account for 64% of all