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EOS market insights

Customer and client payment behavior & trends

Unlock the secrets to payment behavior with EOS market and consumer studies. Developed in collaboration with leading research institutes, our data-driven insights reveal actionable strategies on consumer behavior, digital transformation, and the data-driven economy.

Read our latest study on payment behavior in Europe.

European Payment Practices

Many European customers are not so serious about payment deadlines. Every fourth invoice is now paid late or not at all. For companies, this means less liquidity and profit losses. What are the reasons for the poor payment morale and how do companies react to it?

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Overview of all our studies.

  • Debt in Europe due to inflation: consumers having to tighten purse strings.

    EOS Consumer Study 2023

    The “Europeans in Financial Trouble?” EOS Consumer Study 2023 investigated how consumption patterns and payment behaviors are changing in the current tough economic situation.

    Visit study page Download Whitepaper
  • An illustration depicts a person standing and looking at a collection of framed, abstract artworks on a wall. The artworks consist of white backgrounds with various red shapes, including circles and curved lines. The frames are dark brown. A power cord extends from one of the frames down to an outlet. To the left, there is a potted plant. The wall is teal, and the floor is gray. The person is facing the artwork with their back to the viewer.

    EOS European Payment Practices 2022

    The survey “European Payment Practices”, which EOS conducted in 2022 for the 13th time, provides the answers to these and other questions.

    Download Whitepaper
  • Using chatbot on cell phone

    EOS Chatbot Survey 2021

    The results of the recent Chatbot Survey 2021 by the EOS Group provide fascinating insights into how chatbots are currently being used and what expectations will be imposed on them in the future.

    Download Whitepaper
  • An illustration shows two people standing side-by-side, both wearing face masks. The person on the left has dark skin and dark hair pulled up in a bun, and they are wearing a gray-blue shirt and a white face mask. The person on the right has fair skin and red hair, and they are wearing a black shirt and a red face mask. The background is a solid light blue.

    EOS survey Covid-19 Financial Report 2021

    The Covid-19 Financial Report commissioned by the EOS Group shows that in Germany there are people who slipped into excessive debt over the last year.

    Download Whitepaper
  • An illustration shows a stylized laptop computer with a graph displayed on its screen. Above the laptop are symbols representing data sources: a magnifying glass, a speech bubble, a Euro symbol (€), and a telephone handset. Arrows point downwards from these symbols towards the laptop, suggesting data flowing into it. The laptop is set against a cloud-shaped white backdrop, implying cloud computing or data storage. The background is a light blue.

    EOS Study “What's the value of data?” 2020

    The international survey on the subject “What’s the value of data?” provides answers about how consumers feel about the disclosure of data and its value.

    Download Whitepaper
  • An illustration shows a woman standing in front of a bar graph. She is holding a large red arrow that trends upward across the graph, indicating growth. The woman has light skin and reddish-blonde hair. She is wearing a black blazer, a white blouse, and gray pants. The bars of the graph are teal. The background is black.

    EOS European Payment Practices 2019

    EOS Report about European Payment Practices 2019 gives insights into improving payment behaviors and challenges for receivables management.

    Download Whitepaper

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EOS European Payment Practices 2025 - Insight video

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EOS Consumer Study 2023 - Insight Video
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Lara Flemming, Senior Vice President Corporate Communications & Marketing at EOS

Lara Flemming

Senior Vice President Corporate Communications & Marketing


[email protected]

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EOS Solutions UK is committed to delivering exceptional services, protecting information and operating responsibly. As part of the EOS Group, we are certified to ISO 9001 and ISO 27001. The EOS Group is also among the top 5% of sustainable companies globally and was awarded a gold medal by EcoVadis in December 2025. The assessment pertains to EOS Holding GmbH with a group assessment scope — the official recognition can be found here. EOS was also recognised by Morningstar Sustainalytics as both an ESG Industry and Regional Top Rated company in 2025.

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