European Consumer Payment Report 2026

The UK edition of the European Consumer Payment Report provides insights into the everyday lives of UK consumers. In 2026, we look at how financially resilient UK consumers are, how consumers are responding to current economic uncertainty, and how AI can help improve engagement and identify vulnerability amongst consumers.

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Part one: How financially resilient are UK consumers?

UK consumers are showing greater financial confidence and late payments remain static, but increasing dependence on borrowing and ongoing affordability challenges reveal vulnerabilities beneath the headline resilience

Part two: How are consumers responding?

Consumers are responding to economic uncertainty in different ways, balancing saving and financial protection with emotional spending, avoidance behaviours and growing use of flexible payment options such as BNPL

Part three: How can AI help?

AI offers significant potential to identify vulnerability earlier, improve engagement with financially fragile consumers and deliver more personalised support through a hybrid model that combines technology with human expertise

European Consumer Payment Report 2026

Click here to download the full report

European Payments Report: UK Edition 2026

The European Payment Report (EPR) is published by Intrum, Europe’s leading credit management company. With a century of experience and around 9,000 employees serving 70,000 companies, Intrum enables sustainable payments through technology, empathy and a human-centred approach across 20 countries: Austria, Belgium, the Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Norway, Poland, Portugal, Slovakia, Spain, Sweden, Switzerland, the Netherlands and the United Kingdom. Each day, our employees engage in around 250,000 customer interactions – supporting individuals and companies in addressing their financial challenges, and helping our clients secure payment. The EPR 2026 provides insights into payment trends and behaviours among UK & European businesses, including late payments, invoice payment practices and financial risk.

UK Macro Environment 2026

A deep dive into real customer account data and genuine organisational experiences, giving financial services leaders a credible lens into how economic events and shocks have changed the way businesses collect debt.

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.