In today's digital age, smartphones have become an indispensable part of everyday life for Croatian citizens. The average Croatian spends more than four hours a day using a mobile device, with young people between the ages of 18 and 29 leading with an average of over five hours a day. This omnipresence of technology significantly impacts the way we perform financial transactions, with a special emphasis on the growing popularity of digital payment methods.

Rise of Mobile Payments

More than 80% of Croatian citizens express a desire to use mobile phones as a payment method. This trend is particularly strong among the younger population, where 30% of young people prefer paying via smartwatches. Despite the rise of digital payments, traditional methods still maintain their importance. Cards remain the most popular payment method, preferred by 85% of respondents, while cash is preferred by 67% of citizens. Interestingly, a third of respondents prefer using digital wallets, while general payment slips, QR codes, and cryptocurrencies are less popular.

Digitization of Various Sectors

Croatian citizens express a desire for further digitization of various sectors. The greatest interest has been shown in the digitization of healthcare (49%) and public administration (36%). Furthermore, nearly a quarter of respondents highlighted the need for digitizing public transport. The younger population, in addition to healthcare and public administration, also emphasizes the need for digitizing commerce and travel.

Impact on Society and the Future

These trends indicate a growing integration of digital technologies into the daily lives of Croatians. With the increase in the use of smart devices and the desire for digital innovations, it is important to ensure the security and accessibility of these technologies for all citizens. Furthermore, it is necessary to monitor the impact of these changes on society in order to ensure an inclusive and sustainable digital future.

Challenges and Opportunities

Despite the growing trend of digital payments, cash still plays an important role in daily transactions. About 67% of citizens still prefer cash payments, indicating the need for a balanced approach that takes into account different user preferences. At the same time, the growth of digital payments opens new opportunities for merchants and service providers to improve their businesses and adapt to new trends.

The digital transformation of payments in Croatia is in full swing. With the increasing use of smartphones and other digital devices, citizens are increasingly embracing new payment methods that offer convenience and efficiency. While traditional payment methods continue to hold their importance, trends indicate a growing integration of digital solutions into daily life. It is crucial to ensure that this transition is inclusive and that all citizens have access to secure and reliable digital services.