De ce Europa nu nu poate ieși din dependența de Visa și Mastercard. Ar avea alternative proprii • Newsweek România

Europe has the technology to process payments independently of Visa and Mastercard, yet remains heavily reliant on these American giants. Despite the EU's goals for digital and financial sovereignty, most card transactions are still processed through these networks. Alternative payment systems exist, but market fragmentation and low adoption hinder their success. This dependence poses financial costs and data security risks for Europe, as transaction fees benefit American corporations and consumer data is managed outside EU jurisdiction. A shift towards alternative payment solutions requires clear political decisions and regulatory simplification to support local banking systems.