European Consumer Payment Report 2025

The UK edition of the European Consumer Payment Report provides insights into the everyday lives of consumers, their spending habits and their ability to manage their finances. In 2025, we look at changing consumer confidence, The 10 drivers of financial resilience – the Money Management Index, and AI – moving from fear to trust.

Download the UK report

Rising Consumer Confidence vs. Widening Debt Divide

Intrum’s European Consumer Payment Report (ECPR) 2025 captures a UK market moving in two directions at once.

The Money Management Index – Drivers of Financial Resilience

Traditional risk views lean heavily on income, age and product type. The Money Management Index (MMI) adds what’s often missing: behavioural capability.

Technology and Financial Health

UK consumers are increasingly open to AI for budgeting and financial learning, with Gen Z leading the way.

“What stands out this year is the practical value of the Money Management Index. By distinguishing between Fragile, Coping and Resilient consumers—and understanding the biggest behavioural drivers behind those segments—we can personalise support, remove friction in repayment journeys, and help people build financial strength over time. It’s not just better outcomes; it’s better relationships and better business.”

Collections and Customer Service – a Whitepaper

Considering the benefits of an outsource model for collections? Intrum’s white paper on collections and customer service takes a look at the current collections environment, consumer sentiment and the key factors to consider when selecting a collections partner. From AI developments to outsourcing strategy and transition, download a copy for an in-depth view of the issue.

Guidelines

European Payment Report 2024

Early signs of growth in 2024 led to hopes that the UK economy was turning a corner after a sluggish 2023. With a general election called for July 4 and the Conservative Party trailing in the polls, change is on the cards, so businesses are preparing for a new political landscape in 2025.

Embedding the Duty, Empowering Trust: Intrum’s Evolving Commitment to Consumer Outcomes

Continuing to assess and improve Intrum’s approach to Consumer Duty is an essential aspect of our business. As we move into Q3 of 2025, what stage have we reached, and where are we heading?