Assessing the efficiency of the European consumer-to-business payments market: analysis of interchange fee regulation in card payments market

The "Teya – European Payments Market Report 2023" provides a comprehensive analysis of the European consumer-to-business payments market. Centred on the notable growth of payment cards and Alternative Payment Methods, the report assesses market dynamics, regulatory strategies, and social costs to unveil operational efficiencies and insights across various EU markets. Introducing an innovative model to estimate social costs, the report emphasises existing data gaps, the lack of transparency, and the need for future research. This systematic exploration significantly advances the understanding of the complex dynamics underpinning the efficiency of the European C2B payments market.