The average for 2021 based on 121 countries was 22.26 percent. The highest value was in Canada: 82.74 percent and the lowest value was in Afghanistan: 0 percent. The indicator is available from 2011 to 2021. Below is a chart for all countries where data are available.

Graph and download economic data for Delinquency Rate on Credit Card Loans, All Commercial Banks (DRCCLACBS) from Q1 1991 to Q1 2025 about credit cards, delinquencies, commercial, loans, banks, depository institutions, rate, and USA.

Both in absolute and relative figures, the use of debit cards in the United States continued to grow in the first year of COVID-19. The per capita use of debit cards, for example, is estimated to have reached a figure of nearly 335 transactions per person in 2021. Debit cards remained a popular in-store payment method in the U.S. since the coronavirus pandemic, but was not as popular as credit cards.

Graph and download economic data for Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG) from 2000-06-28 to 2025-06-18 about revolving, credit cards, loans, consumer, banks, depository institutions, and USA.

Graph and download economic data for Large Bank Consumer Credit Card Balances: Total Balances (RCCCBBALTOT) from Q3 2012 to Q4 2024 about FR Y-14M, consumer credit, credit cards, large, balance, loans, consumer, banks, depository institutions, and USA.

Debt Balance Credit Cards in the United States decreased to 1.18 Trillion USD in the first quarter of 2025 from 1.21 Trillion USD in the fourth quarter of 2024. This dataset includes a chart with historical data for the United States Debt Balance Credit Cards.

Graph and download economic data for Large Bank Consumer Credit Card Balances: Share of Accounts Making the Minimum Payment (RCCCBSHRMIN) from Q3 2012 to Q4 2024 about shares, accounts, FR Y-14M, payments, consumer credit, large, balance, loans, consumer, banks, depository institutions, and USA.

Credit card debt in the United States has been growing at a fast pace between 2021 and 2025. In the fourth quarter of 2024, the overall amount of credit card debt reached its highest value throughout the timeline considered here. COVID-19 had a big impact on the indebtedness of Americans, as credit card debt decreased from *** billion U.S. dollars in the last quarter of 2019 to *** billion U.S. dollars in the first quarter of 2021. What portion of Americans use credit cards? A substantial portion of Americans had at least one credit card in 2025. That year, the penetration rate of credit cards in the United States was ** percent. This number increased by nearly seven percentage points since 2014. The primary factors behind the high utilization of credit cards in the United States are a prevalent culture of convenience, a wide range of reward schemes, and consumer preferences for postponed payments. Which companies dominate the credit card issuing market? In 2024, the leading credit card issuers in the U.S. by volume were JPMorgan Chase & Co. and American Express. Both firms recorded transactions worth over one trillion U.S. dollars that year. Citi and Capital One were the next banks in that ranking, with the transactions made with their credit cards amounting to over half a trillion U.S. dollars that year. Those industry giants, along with other prominent brand names in the industry such as Bank of America, Synchrony Financial, Wells Fargo, and others, dominate the credit card market. Due to their extensive customer base, appealing rewards, and competitive offerings, they have gained a significant market share, making them the preferred choice for consumers.

Introduction

This US English Call Center Speech Dataset for the BFSI (Banking, Financial Services, and Insurance) sector is purpose-built to accelerate the development of speech recognition, spoken language understanding, and conversational AI systems tailored for English-speaking customers. Featuring over 30 hours of real-world, unscripted audio, it offers authentic customer-agent interactions across a range of BFSI services to train robust and domain-aware ASR models.

Curated by FutureBeeAI, this dataset empowers voice AI developers, financial technology teams, and NLP researchers to build high-accuracy, production-ready models across BFSI customer service scenarios.

Speech Data

The dataset contains 30 hours of dual-channel call center recordings between native US English speakers. Captured in realistic financial support settings, these conversations span diverse BFSI topics from loan enquiries and card disputes to insurance claims and investment options, providing deep contextual coverage for model training and evaluation.

Topic Diversity

This speech corpus includes both inbound and outbound calls with varied conversational outcomes like positive, negative, and neutral, ensuring real-world BFSI voice coverage.

This variety ensures models trained on the dataset are equipped to handle complex financial dialogues with contextual accuracy.

Transcription

All audio files are accompanied by manually curated, time-coded verbatim transcriptions in JSON format.

These transcriptions are production-ready, making financial domain model training faster and more accurate.

Metadata

Rich metadata is available for each participant and conversation:

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Payment Processing Solutions Market Size 2025-2029

The payment processing solutions market size is forecast to increase by USD 93.5 billion, at a CAGR of 13.9% between 2024 and 2029.

The market is witnessing significant growth due to the high adoption of contactless payment solutions. This trend is driven by the increasing preference for cashless transactions and the convenience they offer. Debit card processing, regulatory compliance, and subscription management are essential for businesses, with regulatory requirements and conversion rates influencing the choice of payment gateways, merchant accounts, and payment APIs. Moreover, the global push towards financial inclusion is expanding the market's reach, particularly in emerging economies. However, the market faces challenges related to privacy and security concerns as consumer data becomes an increasingly valuable asset.
To capitalize on opportunities and navigate challenges effectively, players in the market must stay informed of emerging trends and consumer preferences while prioritizing data security and regulatory compliance. Companies must prioritize robust security measures to mitigate risks and maintain consumer trust.

What will be the Size of the Payment Processing Solutions Market during the forecast period?

Explore in-depth regional segment analysis with market size data - historical 2019-2023 and forecasts 2025-2029 - in the full report.
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The market continues to evolve, driven by advancements in technology and the expanding needs of various sectors. Integration services enable seamless incorporation of data encryption, international payments, real-time payments, virtual terminals, reporting and analytics, batch processing, and automated clearing house into business operations. Fraud prevention and dispute resolution are crucial components, with the ongoing development of biometric authentication, two-factor authentication, and EMV chip cards enhancing security protocols. Mobile payments, including contactless payments and QR code payments, are gaining popularity, necessitating the integration of NFC technology and multi-currency support.

Settlement cycles, funding options, chargeback management, and customer support are also vital elements that impact customer retention. The market's dynamism extends to the integration of digital wallets, payment buttons, recurring billing, and transaction history. The continuous unfolding of market activities includes the adoption of PCI compliance, processing volume optimization, and the use of shopping carts and check processing. Cross-border payments and POS systems further expand the market's reach, while transaction fees and currency exchange remain significant factors influencing business decisions. Additionally, regulatory compliance and the integration of advanced technologies, such as artificial intelligence and machine learning, are essential for market success.

How is this Payment Processing Solutions Industry segmented?

The payment processing solutions industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD billion' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments.

Deployment

  Cloud-based
  On-premises


Method

  Credit card
  Debit card
  E-wallet
  Others


End-user

  Retail and e-commerce
  BFSI
  IT and telecommunication
  Others


Geography

  North America

    US
    Canada
    Mexico


  Europe

    France
    Germany
    Italy
    UK


  APAC

    China
    India
    Japan


  Rest of World (ROW)

By Deployment Insights

The cloud-based segment is estimated to witness significant growth during the forecast period. In today's digital economy, businesses require efficient and secure payment processing solutions to cater to their customers' diverse needs. Cloud-based payment processing is gaining popularity due to its flexibility, scalability, and cost-effectiveness. With cloud deployment, payment processing solutions are hosted on remote servers and accessed online, allowing businesses to avoid the high upfront costs of on-premises infrastructure. This model also offers seamless integration with other cloud-based services, remote access, and effortless software updates. Financial institutions, in particular, have been turning to cloud-based payment platforms to replace outdated legacy systems. These systems struggle to keep pace with the evolving market and technology landscape.

NFC technology and EMV chip cards ensure secure transactions, and transaction history and online payment processing provide a seamless user experience. Mobile payments, settlement cycles, and funding options add to the convenience, while regulatory compliance and PCI DSS certification ensure security. The payment processing market is dynamic and evolving, with cloud-based so

The future of banking is being pushed by alternate financial startups, which operate outside of the typical banking infrastructure. Chime, which offers a debit, credit and savings account, aims to do...

Canada was one of three countries worldwide in 2021, where credit card ownership among consumers 15 years and up was over ** percent. This according to a major survey held once every three years in over 140 different countries. The results highlight the major differences in how countries prefer to pay: In Europe, for instance, the Nordics, Luxembourg, and the United Kingdom are regarded as top credit card countries, whereas the Netherlands ranked significantly lower than all these countries. Credit card usage Cardholders use their credit cards for billions of purchase transactions per year. Some do this to avoid carrying cash around, while others carry out transactions. Many also use credit cards because they do not have to pay immediately. While this can help with monthly cash flow issues, it can also lead to credit card debt that can take years to pay off. Regional differences in credit cards Some counties have a culture of credit card usage. For example, the leading credit card companies in the United States have issued hundreds of millions of credit cards, more than the number of U.S. citizens. Other countries do not have the culture of non-cash transactions. Overcoming this requires both an investment in payment infrastructure and putting people in the habit of using cards instead of cash.

Card fraud losses across the world increased by more than ** percent between 2020 and 2021, the largest increase since 2018. It was estimated that merchants and card acquirers lost well over ** billion U.S. dollars, with - so the source adds - roughly ** billion U.S. dollar coming from the United States alone. Note that the figures provided here included both credit card fraud and debit card fraud. The source does not separate between the two, and also did not provide figures on the United States - a country known for its reliance on credit cards.

The market share of Mastercard in Sweden was significantly larger than that of both Visa and American Express. In 2023, Mastercard reached a market share of 71 percent, followed by Visa with a market share of 28 percent. Only a small share used American Express (2 percent). On a European level, the market share of Mastercard and Visa was almost reversed to those of Sweden. Mastercard was only the second most common while Visa was the leading payment card brand, in terms of purchase volume.  Card payments in Sweden Paying with a card is the most common payment method in Sweden. A total of 18.2 million payment cards were issued in Sweden in 2022. Payments with debit cards were especially common. For example, Swedish transaction values were higher for debit cards than those from credit cards, reaching a total value of 824 billion Swedish kronor in 2019.  Cashless Sweden Sweden is often said to be a cashless society, but is the country totally cashless? According to data from 2018, Sweden is not yet completely cashless, but the trend is going in that direction. In 2021, 11.7 percent of the total payments in the country were made by cash.