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European Consumer Payment Report 2019 1 7th Annual Edition European Consumer Payment Report 2019Intrum in brief 02 A word from the CEO 03 Executive summary 04 Financial Wellbeing Barometer 06 Conclusions and recommendations 11 European results 12 Payment of bills 12 Loans and borrowed money 15 Saving for the future 17 Financial literacy 18 Outlook: Consumer confidence and behaviour 22 Family and household economy 24 Payment methods 25 Globalised e-commerce 26 Sustainable spending 26 Country snapshots 27 About the report 76 About the survey 77 Our other publications 79 Addresses 80 Intrum leads the way to a sound economy for people, companies and society as a whole A credit market in which people and companies can safely and efficiently provide and gain credit is a prerequisite for the business community, and consequently for societies as a whole, to perform properly. As a market leader, Intrum leads the way to a sound economy in which people rid themselves of debt and companies are paid. In a sound economy, people feel better, companies grow and entire societies flourish. Two areas of service We ensure that companies are paid by offering two types of services. Credit management services with a focus on late payments and collection, and purchasing of port- folios of overdue receivables. Beyond these, we offer a full range of services covering companies entire credit management chain. 80,000 clients Intrum has about 80,000 clients. They operate in virtually all sectors, and assisting major companies and financial insti- tutions with large volumes of receivables is our specialty. We also work with tens of thousands of small and medium-sized companies. Our clients see the benefit of focusing on their core business rather than on credit management. 10,000 employees Approximately 10,000 employees work at Intrum. We help companies prosper by caring for their customers through some 250,000 daily communications in which we help peo- ple become debt free and ensure that companies are paid. 25 countries Intrums operations are divided into the four regions: Northern Europe, Central and Eastern Europe, Western and Southern Europe, and the Iberian Peninsula and Latin America. We maintain operations in a total of 24 European countries. Intrum in briefEuropean Consumer Payment Report 2019 3 European consumers must learn to navigate an increasingly uncertain world goals. There also appears to be some leeway to rein in excessive consumption, which could contribute to better financial health if consumers can strike a more effective balance between spending and borrowing. We hope that the insights of this report will further benefit much needed discussions and prompt the actions needed in order to reduce financial stress and develop financial literacy. Understanding, and taking steps to improve, the financial wellbeing of European consumers is core to our vision at Intrum. As part of this years study, we have created the Intrum Financial Wellbeing Barometer to rank European countries on different aspects of their citizens financial health and competence. At Intrum, it is our mission to support people with debt in getting their personal finances in order, and lead fulfilling lives. In this way, Intrum is leading the way to a sound economy. Mikael Ericson President these countries are also set to be hit the hardest by a weakened EU economy. 1.) “Eurozone house prices rise at fastest pace since financial crisis”, Financial Times, July 10 2018 ft/content/d5a3dae4-843f-11e8-a29d-73e3d454535d2.) “Eurozone economy slows amid trade decline and Brexit fears”, The Guardian, Sept 23 2019 theguardian/business/2019/sep/23/eurozone-economy-slows-trade-brex- it-manufacturingEuropean Consumer Payment Report 2019 6 Introducing: Intrum Financial Wellbeing Barometer Aims and approach This year, we have launched the Intrum Financial Wellbeing Barometer to compare and track the financial wellbeing of consumers across 24 European markets. We define financial wellbeing as having the financial security to meet everyday spending needs and be in control of your finances. The Barometer measures financial wellbeing using four key pillars: Ability to pay bills on time Credit freedom Saving for the future Financial literacy Under each pillar, we use key indicators derived from our survey and, in some cases, from third-party sources to measure the financial wellbeing of each country, generating a score of 110. The Barometer presents an overall financial wellbeing score for each country an aggregate score combining scores across all four pillars. Overall Ranking Rank Country Score (0-10) 1 Germany 6.89 2 Austria 6.77 3 Sweden 6.72 4 Switzerland 6.65 5 Finland 6.55 6 Norway 6.47 7 Denmark 6.40 8 United Kingdom 6.38 9 Italy 6.35 10 Ireland 6.34 11 Belgium 6.31 12 The Netherlands 6.31 13 France 6.30 14 Spain 6.27 15 Hungary 6.24 Average 6.21 16 Slovakia 6.19 17 Czech Republic 6.16 18 Portugal 6.06 19 Romania 5.86 20 Estonia 5.85 21 Latvia 5.55 22 Poland 5.54 23 Lithuania 5.54 24 Greece 5.30 6.40 6.31 6.89 6.65 6.35 6.72 6.47 6.38 6.34 6.30 6.19 6.16 6.27 6.06 6.31 6.24 5.86 5.30 5.85 5.55 5.54 5.54 6.55 6.77European Consumer Payment Report 2019 7 This pillar measures the extent to which consumers are able to pay their bills on time; the proportion of their salary they have remaining once their monthly bills are paid; and gross disposable household income per capita. 1 Our survey finds that German consumers are particularly diligent in paying their bills on time, reflecting a healthy economy and strong saving culture. The research shows nine in ten (90 percent) German consumers are confident they can pay their bills each month the highest percentage across Europe. Greek consumers, conversely, rank lowest in Europe, with only 57 percent confident in their ability to pay their bills each month. Nearly seven in ten (67 percent) of those who havent paid their bills say this is a regular occurrence, the highest in Europe. Key takeaways German consumers confidence in paying bills on time German consumers confidence in paying bills on time may stem from high disposable income levels. According to Eurostat data, Germany ranks highest in Europe on this measure. 2Almost three- quarters (74 percent) of German consumers have paid all their bills on time over the past year above the European average of 65 percent. Healthy disposable incomes in the Nordics The Nordic countries of Sweden, Denmark and Norway also rank highly on this pillar. Like Germany, these countries all benefit from healthy disposable incomes, according to Eurostat data. 3Our survey shows that these countries are more likely to disagree with the state- ment: My bills are increasing at a higher rate than my income. Over four in ten (42 percent) of Danish consumers disagree with this state- ment, compared to the European average of 29 percent. Challenging financial picture in Greece Greek consumers, in contrast, are grappling with a much more chal- lenging financial picture. Greeces average wage figure is one of the lowest in Europe, and unemployment is the highest. 4 5The disparity between wage growth and rising living costs is ramping up the pres- sure on Greek consumers yet further: 61 percent say that their bills are increasing at a higher rate than their income (above the European average of 45 percent). Ability to pay bills on time Rank Country Score (0-10) 1 Germany 7.82 2 Denmark 7.4 8 3 Austria 7.4 3 4 Norway 7.3 8 5 Sweden 7.37 6 Switzerland 7.35 7 Finland 7.07 8 The Netherlands 7.0 6 9 Belgium 7.01 10 France 6.98 11 United Kingdom 6.90 12 Italy 6.86 Average 6.69 13 Lithuania 6.57 14 Ireland 6.51 15 Czech Republic 6.38 16 Spain 6.38 17 Slovakia 6.35 18 Estonia 6.23 19 Poland 6.16 20 Hungary 6.07 21 Romania 5.99 22 Latvia 5.97 23 Portugal 5.92 24 Greece 5.39 Ability to pay bills on time 1-3.) Adjusted gross disposable income of households per capita in PPS, Eurostat, 2019 ec.europa.eu/eurostat/databrowser/view/tec00113/default/table?lang=en4.) Average wages, OECD data, 2018 data.oecd/earnwage/average-wages.htm5.) Unemployment statistics, Eurostat, 2019 ec.europa.eu/eurostat/statistics-explained/index.php/Unemployment_statistics
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