Guide
Why payment cards are the gateway to stronger customer relationships
Today’s payment cards are more than a way to pay; they are essential tools to track spending and earn rewards. For brands, they represent a daily connection to customers and a way to share a lifestyle.
Download this guide for a roadmap to driving long-term loyalty through card programs. Learn to use transaction data to personalize offers and drive retention, while choosing the right debit, credit, or prepaid card model to build new revenue.
How card payments became the new normal
The EU is moving toward a cashless future with card payments making up 52% of Euro area transactions already in 2024. In Germany this shift is led by younger consumers; 70% of Germans aged 16–29 expect digital wallets to be their primary future payment method.
To remain competitive, brands must offer digital payment features, as 73% of consumers now prefer cards linked to direct discounts and promotions.
A stunning turnaround: Germany’s digital shift
Germany's payment landscape has seen a stunning turnaround. Card payments jumped from 12% in 2019 to 63.5% of retail transactions in 2024. With debit cards now surpassing cash as the preferred method, Germany is rapidly closing the gap with cashless leaders like Sweden.
“As a fully licensed European bank, Solaris provides a comprehensive card-issuance service. Our API first architecture is built to meet the highest security standards, ensuring a seamless and compliant payment experience.”
Head of Product - Cards at Solaris