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EOS market insights

Customer and client payment behavior & trends

Unlock the secrets to payment behavior with EOS market and consumer studies. Developed in collaboration with leading research institutes, our data-driven insights reveal actionable strategies on consumer behavior, digital transformation, and the data-driven economy.

Discover our current study on artificial intelligence in European banking.

What does Europe really think about AI in banking?

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Overview of all our studies. 

  • Εικονογράφηση ημερολογίου με μία κυκλωμένη ημερομηνία και τις επόμενες ημέρες σημειωμένες με κόκκινους σταυρούς, υποδεικνύοντας ότι χάθηκε μια προθεσμία.

    European Payment Practices

    Many European customers are not so serious about payment deadlines. Every fourth invoice is now paid late or not at all. For companies, this means less liquidity and profit losses. What are the reasons for the poor payment morale and how do companies react to it?

    Visit study page Download the whitepaper
  • Debt in Europe due to inflation: consumers having to tighten purse strings.

    EOS Consumer Study 2023

    The “Europeans in Financial Trouble?” EOS Consumer Study 2023 investigated how consumption patterns and payment behaviors are changing in the current tough economic situation.

    Download Whitepaper
  • An illustration depicts a person standing and looking at a collection of framed, abstract artworks on a wall. The artworks consist of white backgrounds with various red shapes, including circles and curved lines. The frames are dark brown. A power cord extends from one of the frames down to an outlet. To the left, there is a potted plant. The wall is teal, and the floor is gray. The person is facing the artwork with their back to the viewer.

    EOS European Payment Practices 2022

    The survey “European Payment Practices”, which EOS conducted in 2022 for the 13th time, provides the answers to these and other questions.

    Visit study page
  • Using chatbot on cell phone

    EOS Chatbot Survey 2021

    The results of the recent Chatbot Survey 2021 by the EOS Group provide fascinating insights into how chatbots are currently being used and what expectations will be imposed on them in the future.

    Download Whitepaper
  • An illustration shows two people standing side-by-side, both wearing face masks. The person on the left has dark skin and dark hair pulled up in a bun, and they are wearing a gray-blue shirt and a white face mask. The person on the right has fair skin and red hair, and they are wearing a black shirt and a red face mask. The background is a solid light blue.

    EOS survey Covid-19 Financial Report 2021 

    The Covid-19 Financial Report commissioned by the EOS Group shows that in Germany there are people who slipped into excessive debt over the last year.

    Download Whitepaper
  • An illustration shows a stylized laptop computer with a graph displayed on its screen. Above the laptop are symbols representing data sources: a magnifying glass, a speech bubble, a Euro symbol (€), and a telephone handset. Arrows point downwards from these symbols towards the laptop, suggesting data flowing into it. The laptop is set against a cloud-shaped white backdrop, implying cloud computing or data storage. The background is a light blue.

    EOS Study “What's the value of data?” 2020

    The international survey on the subject “What’s the value of data?” provides answers about how consumers feel about the disclosure of data and its value.

    Download Whitepaper
  • An illustration shows a woman standing in front of a bar graph. She is holding a large red arrow that trends upward across the graph, indicating growth. The woman has light skin and reddish-blonde hair. She is wearing a black blazer, a white blouse, and gray pants. The bars of the graph are teal. The background is black.

    EOS European Payment Practices 2019

    EOS Report about European Payment Practices 2019 gives insights into improving payment behaviors and challenges for receivables management.

    Download Whitepaper

Too busy to read? Check out the study findings in our videos!

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EOS Banking AI Barometer 2026 - Insight video

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EOS European Payment Practices 2025 - Insight video

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Accept Εικονογράφηση ενός ατόμου με μια μεγάλη διαλυόμενη χαρτονόμισμα.
EOS Consumer Study 2023 - Insight Video
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EOS Consumer Study 2023 - Insight Video
Εικονογράφηση που δείχνει τέσσερα διαφορετικά άτομα και έναν μεγεθυντικό φακό, συνοδευόμενη από το κείμενο "European Payment Practise EOS study 2022". Αυτή η εικόνα αντιπροσωπεύει την ετήσια έρευνα της EOS σχετικά με την ευρωπαϊκή συμπεριφορά πληρωμών και τις τάσεις.
European Payment Practise 2022
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European Payment Practise 2022

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You want to learn more about our studies?
Please feel free to contact us.

Lara Flemming, Senior Vice President Corporate Communications & Marketing at EOS

Lara Flemming

Senior Vice President Corporate Communications & Marketing


[email protected]