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這是一個令人震驚的歐洲支付基礎設施快照:超過61%的全歐洲卡片交易都通過國際卡組織——主要是Visa、Mastercard和ApplePay。更令人關注的是,歐盟的13個成員國沒有本土替代方案,完全依賴這些由美國主導的支付網絡進行電子交易。這些來自歐洲央行的數據凸顯了歐洲金融主權的一個關鍵脆弱點,也引發了對在日益數字化經濟中替代方案的疑問。