EOS Studies - This is knowledge.

Knowing what moves the economy and society: That is our claim for the market and consumer studies of EOS. Our studies, which we produce together with renowned market research institutes, offer exciting facts about customer payment behavior, payment methods, digitalization and the benefits of data.
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EOS European Payment Practices 2022

The latest survey by EOS with insights and assessments from 3,200 financial executives.

EOS Survey “European Payment Practices 2022”: Companies need to step up the pace of their digitalization efforts.

Europe’s companies need to act. Because the payment practices of customers are worse than ever. At the same time, new technologies and social changes are challenging conventional processes and business models.

What are companies doing so as not to miss the boat? How are they making their receivables management more efficient? How data-driven are their decisions – and what is the role of artificial intelligence in this context?

The survey “European Payment Practices”, which EOS conducted in 2022 for the 13th time, provides the answers to these and other questions.

In 2022, the proportion of receivables in Europe that were paid late or were unrecoverable was 21 percent.



How Europe’s companies are counteracting bad debts.

For many European companies, their existence is at stake, as a growing number of customers are paying their bills late or not paying them at all. And many financial executives fear that the situation is going to get even worse in future. Read here how companies are fighting back by outsourcing their receivables management and about the role played by new digital payment methods.

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If you don’t digitize, you end up sitting on your receivables.

For companies, defaulting customers don’t just mean less liquidity but also more work. Although a digitized reminder process can help reduce this workload and increase repayment rates, until now only half of all European companies surveyed had taken this step. Find out here why investing in a digital receivables management system pays off.

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European Payment Practices 2022: Survey structure


Between March 4 and April 19, 2022, telephone interviews were conducted with 3,200 financial executives from companies with an annual turnover each of at least €5 million.


16 countries from Western and Eastern Europe: Belgium, Bulgaria, Croatia, Czech Republic, Denmark, France, Germany, Greece, Hungary, Poland, Romania, Slovakia, Slovenia, Spain, Switzerland and the UK.


Since 2007, the EOS survey “European Payment Practices” has evaluated the mood of the international economy. In 2022 it appears for the 13th time.


EOS Chatbot Survey 2021

Ako spoločnosti používajú chatbotov?

More and more companies in Europe are using chatbots

The technology offers a lot of potential for communication and thus benefits not just companies and customers, but employees as well.

Two out of three companies in Europe are already using chatbots. The results of the recent Chatbot Survey 2021 by the EOS Group provide fascinating insights into how chatbots are currently being used and what expectations will be imposed on them in the future.

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65 percent of European companies already use a chatbot to contact private customers.



The chatbot revolution.

Hardly any communication tool is more efficient today than the chatbot. A prime example is the bot of the World Health Organisation (WHO): the bot answered 13.5 million questions via the messenger service Whatsapp alone - and in 19 languages! So it is not surprising that many companies also want to take advantage of the communication skills of digital helpers. But how many of them really exploit the potential of this trendy technology?

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Humans and chatbots – a match made in heaven?

They are available around the clock and offer quick help. But will digital assistants soon compete with their human colleagues - or merely relieve them of tedious routine tasks? Read why in the end all parties can benefit from the use of digital assistants: employees, customers and the companies themselves.

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EOS Chatbot Survey 2021: Survey structure


  • 2 800 spoločností zo 14 európskych krajín
  • Spoločnosti s kontaktom so súkromnými zákazníkmi, min. 20 zamestnancov a obrat najmenej 5 miliónov eur ročne (výnimka: Chorvátsko)
  • 200 počítačom asistovaných telefonických rozhovorov v každej krajine


Germany, Denmark, Belgium, Switzerland, Spain, France, Poland, Slovakia, Slovenia, Croatia, Hungary, Bulgaria, Romania and Russia.


Kantar, a leading international market research institute.


EOS survey “What's the value of data?” 2020

Representative survey on data and its value.

Digital trust as a challenge

The survey shows that consumers are basically willing to disclose personal data to trustworthy companies. And this is precisely where companies still have work to do, because many people do not trust them to handle their personal information responsibly. The greatest challenge for companies will therefore be to break down this mistrust through an appropriate and transparent use of data.

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A third of respondents would disclose their own data for a specific recompense.




What the US elections have to do with the digital confidence of Europeans.

Do we still have a choice in the disclosure of our data? Find out where action is needed – for businesses and consumers.

Read the related article

Will the digital life of European citizens soon be like in China?

Find out more about the comprehensive findings of the EOS survey and what happens when personal data becomes an own currency.

Read the related article

EOS Survey 2020 “What's the value of data?”: Survey structure


1,000 respondents from each country over the age of 18.


15 countries in Europe plus the USA and Russia.


Online poll using standardized questionnaire.


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