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Mastercard is shaping a digital future in Europe — where trust, transparency, and control define every interaction

Digital safety has become a daily concern for Europeans, with rising scam attempts, growing AI-driven threats, and increasing anxiety around online fraud. Mastercard’s latest research across five European markets shows that while consumers are taking steps to protect themselves, they’re also calling for more education and support.

Our latest research sheds light on the most pressing issues facing Europe’s small business owners and reveals where targeted support, innovation, and practical action can make the greatest impact in building a more resilient future.

Not long ago, accepting card payments meant hurdles that required time and resources some businesses simply didn’t have. Today, it’s different. With Tap on Phone, your everyday smartphone can become a payment terminal. No extra hardware, no complicated set-up, just a secure app and a few taps.

Sports stores weren’t interested in Laura Youngson’s cleats made specifically for women. So she opened her own.

As Europe prepares to launch the European Digital Identity Wallets, Mastercard is helping ensure that trust, privacy and ease-of-use are built into every interaction