Tobias Trütsch

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Trütsch
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Tobias
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tobias.truetsch@unisg.ch
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+41 71 224 71 55
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    Swiss Payment Monitor 2026-1 - Wie bezahlt die Schweiz? // Swiss Payment Monitor 2026-1 - How does Switzerland pay?
    (2026-02-18)
    Graf, Sandro
    ;
    Heim, Nina
    ;
    Stadelmann, Marcel
    ;
    Tobias Trütsch  
    In the overall market, mobile payment (broad definition) is still the most widely used payment method (31.4% of transactions; +0.1 percentage points), but the previous linear growth is entering a stagnation phase. At the same time, non-mobile credit cards are growing significantly (17.2%; +3.4 percentage points) and are primarily replacing cash and non-mobile debit card payments. By billing product, the debit card continues to lead in terms of frequency of use (30.4%; +0.1 percent-age points), while the credit card clearly leads in terms of turnover (35.4%; +7.8 percentage points). The growth in the share of credit cards (non-mobile and as a billing product) is partly due to the one-off information and questions on credit card protection mechanisms in the online survey - which was conducted before the payment diary - and is therefore not representative of the overall population. In face-to-face transactions, the debit card is once again in first place in terms of payment fre-quency (27.1%; -0.7 percentage points), while cash falls back to second place (26.5%; -1.6 percent-age points). In terms of turnover, the credit card takes the top position (28.0%; +5.9 percentage points), while mobile payments lose a slight share for the first time (24.8%; -0.4 percentage points). In the distance selling business, mobile payment clearly dominates by broad definition in terms of payment frequency (74.4%; +3.1 percentage points) and is again ahead in terms of turnover (45.2%, +11.6 percentage points). Bills are losing a lot of share. The average amount of cash in wallets fell to CHF 82. At the same time, the proportion of people without cash in their wallets reached a new high of 17.0%. Twint remains the clear leader among mobile payment providers (62.7% of mobile transactions). Apple Pay is growing significantly and NFC payments are gaining ground on QR code payments. The general use of neobanks reached a new high (42.9%) and often serves selected purposes (in-cluding payments, transfers, international use). Among the providers, Revolut is clearly ahead of Yuh and Neon.
    Type:work report
    URL:www.swisspaymentmonitor.ch
    DOI:10.21256/zhaw-2430
    URI:https://www.alexandria.unisg.ch/handle/20.500.14171/117954.3
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    Swiss Payment Monitor 2026-2 - Wie bezahlt die Schweiz? // Swiss Payment Monitor 2026-2 - How does Switzerland pay?
    (2026-08-21)
    Tobias Trütsch  
    ;
    Stadelmann, Marcel
    ;
    Graf, Sandro
    ;
    Nina Heim
    The 15th edition of the Swiss Payment Monitor reveals a further significant shift towards mobile payments: accounting for 34.5 per cent of all transactions, mobile payments are now the most widely used payment method across the market as a whole and, at 28.2 per cent, have also taken the top spot in in-person transactions. At the same time, non-mobile credit cards are losing ground, whilst cash continues to play a significant role in brick-and-mortar retail. Opposition to the abolition of cash has reached a record high of 79.2 per cent, presumably influenced by the public debate surrounding the cash referendum in March 2026. At the same time, cash is apparently being refused more frequently. TWINT remains the market leader in mobile payments, but is losing significant market share to Apple Pay. Neobanks have also reached a new high of 43.8 per cent. There is, however, still some reluctance regarding CBDCs and AI in the payments sector: awareness of digital central bank money is low, and a retail CBDC is viewed critically by the majority. Although AI assistants are being used increasingly, scepticism and concerns regarding security and data protection prevail, particularly when it comes to automated decisions on payment methods.
    Type:work report
    URL:www.swisspaymentmonitor.ch
    DOI:10.21256/zhaw-2556
    URI:https://alexandria.unisg.ch/handle/20.500.14171/137019
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    Item type:Publication,
    Swiss Payment Monitor 2024-1 - Wie bezahlt die Schweiz? // Swiss Payment Monitor 2024-1 - How does Switzerland pay?
    (2024-02-22)
    Tobias Trütsch  
    ;
    Graf, Sandro
    ;
    Nina Heim
    ;
    Marcel Stadelmann
    For the first time since the COVID-19 pandemic, the Swiss population has been using cash much less frequently. Mobile payments, however, are growing steadily and used almost as frequently as cash. The Swiss Payment Monitor conducted by the ZHAW and the University of St. Gallen also reveals that debit cards continue to extend their lead as the most popular means of payment.
    Type:work report
    URL:www.swisspaymentmonitor.ch
    DOI:10.21256/zhaw-2467
    URI:https://www.alexandria.unisg.ch/handle/20.500.14171/119524