The Battle of Wallets in Europe: Who Will Win by 2035?

As Europe accelerates toward a cashless, identity-driven digital economy, digital wallets are emerging as the primary gateway to both payments and personal data management.

In this whitepaper, Sopra Steria and Galitt explore three strategic scenarios that could shape the future of the European digital wallet ecosystem by 2035.

What You Will Discover

Three Key Scenarios to Understand Possible Futures:

Big Tech Dominance – Apple Pay becomes a universal wallet integrating identity, payments, and the digital euro.
The Emergence of Wero – European banks unite around a secure, instant, multi-bank wallet integrated into daily life.
The European Digital Identity Wallet (EUDI Wallet) Revolution – Driven by regulation, the digital ID wallet becomes the standard for trust, security, and interoperability.

Key Takeaways from the Whitepaper:

The convergence of identity and payments
Challenges related to eIDAS2 and the digital euro
Strategic impacts for banks, merchants, and technology providers
Critical factors: user experience, merchant adoption, and ecosystem control

Why This Topic Matters

This whitepaper helps financial institutions, regulators, and digital players to:

Anticipate future use cases and emerging technologies
Understand strategic positioning and growth opportunities
Address interoperability, security, and adoption challenges
Prepare for regulatory frameworks and digital identity integration

Expert-Driven Insights

This whitepaper draws on the combined expertise of Galitt and Sopra Steria, recognized leaders in payments, cybersecurity, and digital identity services. Backed by real-world experience (Wero, LSP Aptitude), it provides both strategic vision and operational insight into the future of digital wallets.

Access the full analysis and start shaping the future of payments in Europe today.