Company:Bizum
 | |
| Type | Sociedad limitada |
|---|---|
| Industry | Fintech |
| Founded | 27 June 2016 |
| Headquarters | Calle Francisco Sancha, 12, Madrid , Spain |
Area served | Spain |
| Website | bizum |
Bizum is a payment service provider launched in 2016 as an initiative of the Spanish banking system.
History
Constituted on 27 June 2016,[1] Bizum was jointly launched by 27 Spanish banking entities, including CaixaBank, BBVA, and Banco Sabadell. Originally an payment system between people (P2P), it later allowed transfers between people and e-commerce and institutions.[2] Bizum joined the European Mobile Payment Systems Association in 2022.[3]
In 2024, it had 27.6 million active users.[4] In 2024, Bizum also announced plans to launch Bizum Pay in 2025, allowing for NFC payments.[5]
In 2024, Bizum joined forces with Italy's Bancomat Pay and Portugal's MB Way to launch the European Payments Alliance (EuropPA), an agreement that enables inter-operability of payments among clients of Santander, ABANCA and Openbank in Spain, Italy, Portugal, and Andorra starting on 31 March 2025.[6]
Shareholders
In 2022, the shareholding structure was as follows:[7]
- CaixaBank 24%
- Santander 20.91%
- BBVA 18,2%
- Banco Sabadell 11.82%
- Unicaja Banco 4.43%
- Kutxabank 3.61%
- Banco Cooperativo Español (Grupo Caja Rural) 3.56%
- Ibercaja 2.65%
- Banco de Crédito Cooperativo (Grupo Cajamar) 2.64%
- Abanca 2.53%
- Bankinter 2.44%
- Laboral Kutxa 1.2%
See also
- Instant payment
- Blik in Poland
- iDEAL in the Netherlands
- Swish (payment) in Sweden
- TWINT in Switzerland
References
- ↑ Villacorta, Miguel (30 January 2025). "Adiós a pagar con tarjeta: así será el nuevo método para hacerlo con el móvil de forma instantánea". https://www.elespanol.com/invertia/20250130/adios-pagar-tarjeta-nuevo-metodo-hacerlo-movil-forma-instantanea/920158383_0.html.
- ↑ Perea‑Khalifi, David; Irimia‑Diéguez3, Ana I.; Palos‑Sánchez, Pedro (2024). "Exploring the determinants of the user experience in P2P payment systems in Spain: a text mining approach". Financial Innovation 10 (2). doi:10.1186/s40854-023-00496-0.
- ↑ Gutiérrez, Hugo (18 January 2023). "Revolución en el mundo de los pagos: en 2022 se realizaron 24 'bizums' por segundo". https://elpais.com/economia/2023-01-18/revolucion-en-el-mundo-de-los-pagos-en-2022-se-realizaron-24-bizums-por-segundo.html.
- ↑ Barón Sáiz, Marta (2024). "Pagos instantáneos: la nueva normalidad y el reto de la Unión Europea". Información Comercial Española, Revista de Economía (937). doi:10.32796/ice.2024.937.7859. https://www.revistasice.com/index.php/ICE/article/view/7859/7960.
- ↑ Mora, Luis Miguel (28 November 2024). "Cambio radical en los Bizum: estas son las novedades que llegarán en 2025". Prensa Ibérica. https://www.laprovincia.es/economia/2024/11/28/cambio-radical-bizum-novedades-2025-dv-lm-112127965.html.
- ↑ Ponz, Carlos (2 April 2025). "Ya se puede hacer Bizum con Italia, Portugal o Andorra. Tres bancos españoles ya lo permiten". https://territoriofintech.com/noticias/pagos-moviles/ya-se-puede-hacer-bizum-con-italia-portugal-o-andorra-tres-bancos-espanoles-ya-lo-permiten/.
- ↑ "Unicaja Banco entra en el consejo de administración de Bizum". 25 March 2022. https://www.europapress.es/economia/finanzas-00340/noticia-unicaja-banco-entra-consejo-administracion-bizum-20220325145310.html.
 |  |
