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Trends and developments in payments by Spanish consumers

Author

Listed:
  • Isabel Rodríguez Molina

    (Banco de España)

  • Álvaro Esandi Erro

    (Banco de España)

Abstract

Rationale The increasing digitalisation of means of payment is having a significant impact on how consumers pay. Analysing how means of payment are used allows us to assess whether consumers have safe, efficient and inclusive payment options available to them. Takeaways •The use of mobile devices at the point of sale has doubled since 2022, although cash and cards remain the most frequently used means of payment. •Cards are the chief payment method online and instant payments stand out in person-to-person payments. •The main factors persuading consumers to try out new means of payment are ease of use and higher security standards.

Suggested Citation

  • Isabel Rodríguez Molina & Álvaro Esandi Erro, 2025. "Trends and developments in payments by Spanish consumers," Economic Bulletin, Banco de España, issue 2025/Q2.
    • Handle: RePEc:bde:journl:y:2025:i:02:n:03
    DOI: https://doi.org/10.53479/39607
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    More about this item

    Keywords

    Means of payment; payment attitudes; digital payments; online payments; cash; cards; instant payments; e-payment solutions;
    All these keywords.

    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance

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