Market overview

The Dutch payment market has the following characteristics:

Highly digitalized: - Non-cash payments account for the majority - High adoption rate of mobile payments and digital wallets

Popular local payment methods: - iDEAL online payment system widely used - Debit card payments dominate

Innovative payment technologies: - High adoption rate of contactless payments - Mobile payment apps like Tikkie are very popular

Open banking ecosystem: - PSD2 drives financial innovation - Close cooperation between fintech companies and traditional banks

E-commerce development: - Strong demand for cross-border e-commerce payments - Diverse online payment options

Reduced cash usage: - Cash transaction proportion continues to decline - Many merchants have started not accepting cash

Strong financial infrastructure: - Efficient interbank clearing system - High payment security and reliability

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