The payment market in Latvia has the following characteristics:
Digital payment growth: - Bank card usage is rising, especially debit cards - Mobile payment and digital wallet adoption rates are increasing
Reduced cash usage: - Although cash is still accepted, usage frequency is declining - Small payments are shifting to digital methods
E-commerce development: - Online payment solutions are diversifying - International payment platform usage is increasing
Innovative payment technologies: - Contactless payments are popular in retail - Mobile payment applications such as Apple Pay and Google Pay are gradually becoming popular
Local payment innovation: - Introduction of instant payment systems has promoted digital payments - Local mobile payment solutions such as Satispay are popular
Regulatory environment: - Complies with EU Payment Services Directive (PSD2) - Focuses on payment security and consumer protection
Fintech development: - Financial technology innovation is accelerating, especially in mobile payments - Traditional banks are actively embracing digital transformation
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