European Consumer Payment Report 2025
L’European Consumer Payment Report 2025 di Intrum ha intervistato 20.000 consumatori europei in 20 paesi europei su attitudini di pagamento e benessere finanziario. Solo il 21% degli italiani ritiene di aver ricevuto una buona educazione finanziaria a scuola contro il 31% della Norvegia, prima in classifica.
Consumer confidence rises, but the debt divide widens
European households show signs of financial recovery. More consumers pay their bills on time and feel better able to manage everyday expenses. Yet caution remains. Years of cost-of-living pressures and ongoing geopolitical uncertainty continue to affect many, with nearly one-third reporting anxiety linked to economic news. Confidence is improving, but underlying fragility persists.
Financial habits and education are key factors in money management
Intrum’s Money Management Index shows that strong financial habits, confidence and early-life financial education are linked to resilience, while fragile households may struggle despite similar income levels. The findings highlight distinct behavioural patterns between consumer groups, illustrating how different groups approach spending, saving and financial decision-making.
Growing trust in AI, paired with more cautious online spending
Consumers are becoming more selective about the digital tools they trust, valuing transparency and control. Confidence in AI is increasing, though privacy and platform concerns remain. At the same time, spontaneous online spending is no longer rising at the pace seen in previous years, as consumers adopt more deliberate and mindful purchasing behaviour.
Senior Economist comments:
"Europeans are cautiously optimistic. Confidence in paying bills, saving and managing daily expenses is improving. Yet many remain careful, shaped by past inflation, uncertainty and uneven recovery. Intrum’s new Money Management Index offers deeper insight, showing that financial resilience depends not only on income but also on financial habits and behaviour."
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