1、NordicPaymentReport 20242IndexIntroduction.4Economic situation .5Stores .8Grocery stores .16Restaurants and cafs.24Transport .32Services .38Payment methods .46Card payments .48Contactless payments .50Mobile payments .52Cash .56Omnichannel .60New ways of shoping .62When payments go wrong .64Payment b

2、rands .66Authentication .67Digital receipts .68Loyalty solutions .70NEXI/NETS|NORDIC PAYMENT REPORT 202423ABOUT THE REPORTNets Nordic Payment Report is an annual report about payments and related topics for merchants with focus on physical sales locations.The content is based on both a consumer surv

3、ey and a merchant survey,conducted in all four Nordic countries,and includes some of Nets own data from card transactions.The main focus is on payments in physical environments,as Nets publishes a separate compre-hensive report on payments online,Nets E-com Report.SURVEY DATAThe consumer survey is c

4、onducted annually in all four Nordic countries by the market-research company Sifo/Kantar on behalf of Nets.A total of 4,000 consumers(1,000 per coun-try),demographically well-represented i.e.both genders,ages and income groups,have responded in each country.The survey was carried out during June.Th

5、e merchant survey was conducted for the first time in 2024,by the market-research company Norstat on behalf of Nets.The survey asks a total of 2,000 merchants(500 per country)in all four Nordic countries about their business and payment related topics.The responding merchants are persons,either owne

6、r,manager or key staff all with good insights into the business.The survey was carried out during June.Both surveys have an index number about the consu-mers and merchants current financial/business situation,which is explained on page 9.ABOUT USNets is part of Nexi Group the European PayTech with s