Press Release

Reimagining European Payments: The 2035 Roadmap

Amsterdam, Netherlands, 3 June 2025- Money2020, the world’s leading fintech show and the place where money does business, has in collaboration with FXC Intelligence, the foremost provider of cross-border payments data and insights, officially launched their joint report *How Will Europe’s Money Move in the Future? 2025’s View of 2035.*” today at Money20/20 Europe in Amsterdam.

The report delivers a forward-looking, data-driven analysis of how Europe’s cross-border payments ecosystem is set to transform over the next decade. Based on proprietary data and interviews with over 50 European fintech leaders, the report identifies the technologies, regulatory trends, and market shifts expected to reshape Europe’s financial infrastructure by 2035.

The launch took place on the opening day of Money20/20 Europe, where hundreds of industry leaders, regulators, startups and innovators gathered to take part in the report’s findings and engage in conversation about the future of money movement.

Key Findings:

• Industry Priorities: 83% of leaders prioritize reducing transaction costs, while 82% focus on real-time payments expansion
• Technology Drivers: Real-time payments and digital wallets emerge as key transformation catalysts
• Market Leaders: UK, France, Germany, Netherlands, and Estonia lead innovation, with Wise (45%) and Revolut (37%) at the forefront
• Growth Outlook: Despite US tariffs potentially reducing projections by $1.2 trillion, sector growth remains strong

“Europe is at the tipping point of a new era in money movement,” said Scarlett Sieber, Chief Strategy and Growth Officer at Money20/20. “This report captures the scale of transformation underway—from real-time payments to digital wallets—and the essential role that collaboration between fintechs, regulators, and legacy institutions will play in shaping what comes next.”

The report reveals that 94% of industry leaders expect Europe's cross-border payment infrastructure to transform significantly by 2035. Currently dominating with 46% of global retail cross-border payments, EMEA's outbound flows are projected to reach $25.9 trillion by 2032.

The report highlights five critical priorities:

1. Reducing transaction costs (83%)
2. Expanding real-time payments (82%)
3. Increasing payment speeds (74%)
4. Integrating digital wallets (73%)
5. Enhancing transparency (70%)

“This report shows that change in Europe’s payments landscape will be profound yet deliberate,” said Daniel Webber, CEO and Founder of FXC Intelligence. “Europe’s ability to harmonize regulatory leadership with innovation gives it a powerful edge as it builds the next chapter of global payments.”

About the report The white paper is the second in a global series from Money20/20 and FXC Intelligence examining the evolution of cross-border payments infrastructure. Following the Asia edition released in April this year, the Europe-focused report offers a regional deep dive that also contributes to a broader global view of money movement trends.

The full report is available HERE

About FXC Intelligence:

● FXC Intelligence is the industry leader in cross-border payments data and intelligence. Our data is used by a number of international bodies, including the World Bank and the Financial Stability Board. ● The world's biggest banks, payments and big tech companies use our critical data to make vital decisions that shape their day-to-day operations, product development and strategy. ● We track pricing, market size and product changes as they happen and update our dataset at high frequency, giving our clients the competitive edge they need to stay on top in a rapidly changing market. ● Our platform, built on top of our data, offers solutions such as price engines and sales enablement tools to drive our clients growth and profit. ● Our data gives us a unique understanding of cross-border payments and we share our analysis and insights every week with subscribers to our newsletter, the most widely read in the cross-border payments market globally. ● Alongside its data and intelligence products, FXC Intelligence produces high-quality external marketing reports for the industry through its Custom Marketing Reports product. ● Interested and want to find out more? Sign up to our newsletter here.

For more information please contact:

Tina Loncaric Global Head of PR Money20/20 tina@money2020.com M:+ 1 469 288 5556

Launched by industry insiders in 2012, Money20/20 has rapidly become the heartbeat of the global fintech ecosystem. Over the last decade, the most innovative, fast-moving ideas and companies have driven their growth on our platform. Mastercard, Airwallex, J.P. Morgan, SHIELD, GCash, Stripe, Google, Marqeta, VISA, Adyen, Checkout.com and more make transformational deals and raise their global profile with us. Money20/20 attracts leaders from the world’s greatest VC firms, banks, regulators and media platforms: convening to cut industry-shaping deals, build world-changing partnerships and unlock future-defining opportunities in Bangkok, Amsterdam and Las Vegas.

Money20/20 also recently launched Twentyfold, a Digital Intelligence product containing the deepest and widest repository of fintech startup data in the world. Money20/20 is where the world’s fintech leaders convene to grow their businesses.

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