Celent report

The future of payments

A2A payments, AI-driven commerce, digital identity, and new payment infrastructure models are reshaping the future of European banking. In partnership with Celent, this report explores how digital commerce and payment behaviour are expected to evolve across Germany, the Netherlands, Poland, Spain, and the UK — and what banks need to do now to prepare for the next era of payments.

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Main metrics

Digital commerce could reach €1.1 trillion by 2035

1.1 T

A2A payments could approach 40% of e-commerce

40%

AI-driven commerce could reach 17.5% of volume

17.5%

New phase of digital commerce

What banks need to prepare for

Banks are entering a new phase of digital commerce. Payment infrastructure, customer journeys, and competitive dynamics are changing quickly as A2A payments, AI agents, digital identity services, and API-driven ecosystems continue to grow.

Financial institutions that modernize early will be better positioned to:

  • compete beyond traditional card models
  • launch new payment experiences faster
  • reduce operational complexity
  • strengthen customer relationships
  • support future digital commerce models
What the report covers
In partnership with Celent, this report explores how digital commerce and payment behaviour are expected to evolve across Germany, the Netherlands, Poland, Spain, and the UK — and what banks need to do now to prepare for the next era of payments.
Report highlights

Key trends shaping payments

Explore the major shifts expected to redefine digital commerce and payment infrastructure across Europe — from the rise of A2A payments to AI-driven commerce and modern payment ecosystems.

  • 1

    A2A payments are accelerating

    Account-to-account payments could approach 40% of e-commerce volume by 2035 as banks and merchants expand real-time and API-driven payment experiences.

  • 2

    AI-driven commerce is emerging

    AI agents are expected to play a growing role in digital commerce, potentially driving 17.5% of e-commerce activity by 2035.

  • 3

    Banks need modern payment infrastructure

    As digital commerce evolves, banks will need flexible, API-driven payment platforms that support faster innovation, digital identity services, and new payment models.

Proven expertise

Built for European banking

Tieto Banktech works with banks and payment providers across Europe to modernize payment infrastructure, support regulatory change, and deliver future-ready payment services.

Developed in partnership with Celent, this report combines market research, payment expertise, and future-focused analysis to help financial institutions prepare for the next decade of digital commerce.

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Prepare for the next era of payments

Explore the trends expected to reshape payments, digital commerce, and banking infrastructure across Europe through 2035. Download the report to understand how banks and payment providers can prepare for the next generation of digital commerce.

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A2A credit could reach €35.7 billion by 2035

€35.7 B

Cards are expected to lose share to A2A payments

53.5%

Frequently asked questions

Future of European payments

Explore some of the key questions shaping the future of payments, digital commerce, and banking infrastructure.