Consumer Payments | Use Case

Today, consumer payment processes, while generally functional, can still vary across EU countries. Differences in payment schemes, adoption levels, and market practices sometimes limit cross-border usability and can introduce additional costs or operational steps for users.

EU Digital Identity Wallets (EUDIW) have the potential to improve specific aspects of consumer banking.

By providing a common framework and cross-border interoperability, they can make consumer payments more streamlined, secure, and convenient. Using the EUDI Wallet for KYC (Know Your Customer) verification can help providers access necessary information quickly and reliably, support regulatory compliance, and offer a smoother experience for both businesses and consumers. While existing payment options already function widely, the EUDI Wallet could further simplify and standardize cross-border processes, contributing to a more efficient European payments ecosystem.

For example

An individual travels or moves to another EU country and wants to pay for goods or services using familiar payment methods. Today, they may find that their domestic payment method is not accepted, face higher fees, or encounter inconsistent authentication and acceptance rules across countries. With the EUDI Wallet they will be able to safely authenticate and approve the payments in a consistent way across borders regardless of payment being online or in-store. It will allow consumers to make everyday payments smoothly and confidently anywhere in the EU.

What we’re aiming for:

Develop and validate EUDIW payment specifications for online and in-store payments (card-based, account-based, one-off, recurring)

Run cross-border pilots - test real-life, cross-border use cases in live or near-live environments, involving many citizens using Member State–issued EU Digital Identity Wallets

Demonstrate real-life interoperability - across borders and payment methods

Use Cases

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USE CASE

Know Your Business Partner (KYC/KYS/KYB due diligence)

Business due diligence within the EU involves verifying and establishing trust in business partners across Member States. Through KYC (Know Your Customer), KYS (Know Your Supplier) and KYB (Know Your Business) procedures, organisations assess legitimacy, ownership structure, financial soundness and regulatory compliance - all essential for safe and efficient cross-border cooperation.

USE CASE

Create Company Branch

Creating a company branch in the EU involves enabling businesses to expand across member states while ensuring compliance, transparency, and security of corporate data. It’s a key enabler for European businesses to operate and scale with confidence across borders.

USE CASE

Foreign Tax Declaration

Foreign tax declaration in the EU ensures that companies comply with tax obligations when operating across member states, particularly in cross-border structures involving parent companies and subsidiaries. It is a critical enabler of transparent and lawful business activity within the EU Single Market.

USE CASE

Company Representative acting on behalf of a Company

Authorizing individuals to act legally and digitally on behalf of a business across member states, and defining which activities they are permitted to perform, is a key enabler for efficient cross-border operations, including administrative procedures and banking services.

USE CASE

Issuing Micro-Credentials and Verified Skills

Micro-credentials and verified skills enable individuals to develop and demonstrate specific skills and competences through digital certificates linked to short-term learning, training or practical experience. This is a critical enabler of lifelong learning, workforce mobility, and skills transparency across Europe.

USE CASE

Business Access to Once-Only Technical System (OOTS)

The Once-Only Technical System (OOTS) streamlines data retrieval for cross-border procedures, enhancing trust, efficiency, and data exchange among EU public administrations and citizens. It connects public authorities across the EU, so they can exchange official documents and data at the citizen's or business's request. It’s a key component for improving registration, compliance, and reporting processes across the EU.

USE CASE

Authentication & Access for Transport

Authentication and access in transport involve verifying who or what is requesting access to transport-related systems and services, and determining what actions they are authorized to perform. This is a critical enabler of seamless logistical flows across Europe and efficient global transport operations.

USE CASE

Trusted Data Sharing for Data Spaces

Data is transforming how we live, work and innovate, powering everything from personalised medicine to smarter cities. Trusted data sharing in secure Data Spaces lets organisations optimally collaborate and innovate while keeping control, privacy, and compliance. To unlock the value of data for the EU, Common European Data Spaces have been established in strategic sectors, providing an open, secure, and privacy-preserving environment. These Data Spaces enable new data-driven services and strengthen a connected, competitive European data economy.

USE CASE

eInvoicing

eInvoicing is the structured electronic exchange of machine-readable invoice data between suppliers and buyers, enabling automatic processing, as defined in EU legislation. These structured digital invoices have many benefits, from facilitating cross-border trade and reducing late payments, to enhanced error detection and clear sustainability reporting. It’s a key enabler for improving Europe’s single market in the digital age.

USE CASE

Consumer Banking

Financial services for EU citizens, such as opening a bank account in another member state, rely on strong data protection, transparency, and regulatory compliance, while keeping the process seamless for users.

USE CASE

Corporate Banking

Corporate banking in the EU involves enabling businesses to operate across borders through secure financial services. This includes trusted onboarding and account opening processes, during which banks verify identities and ensure regulatory compliance.

USE CASE

Corporate Payments

Corporate payments in the EU involve enabling fast and secure cross-border transactions while ensuring compliance, data protection, and transparency. A core component of day-to-day business operations across member states.