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Three years after ChatGPT’s public debut, generative AI has become a trusted companion for everything from holiday planning, grocery shopping, content creation and even personal finance management. Its integration into everyday life reflects a profound shift in how people interact with technology, moving from traditional search engines and manual research to AI-driven, personalized guidance.

Europe’s economic future rests on its smallest players. More than 25 million micro and small businesses make up 99% of all EU enterprises and employ nearly half the population. Yet, a persistent gap is holding them back.

The next wave of payments innovation uses tech to put people first, making money movement more secure, smarter and more personal.

For many, the start of the holiday season is a time to head online, buy gifts and hunt down. But even the savviest shoppers can fall prey to holiday scams. According to a new survey from Mastercard and the Harris Poll, 77% of European consumers admit to having encountered a scam attempt in the past year, underscoring how the need to stay safe online is more important than ever.

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.