{"id":734,"date":"2023-06-06T10:48:14","date_gmt":"2026-05-11T16:24:07","guid":{"rendered":"https:\/\/younited.com\/group\/insight\/the-growing-popularity-of-split-payments-in-france-and-spain\/"},"modified":"2026-06-04T22:04:14","modified_gmt":"2026-06-04T22:04:14","slug":"the-growing-popularity-of-split-payments-in-france-and-spain","status":"publish","type":"insight","link":"https:\/\/younited.com\/group\/en\/insights\/the-growing-popularity-of-split-payments-in-france-and-spain\/","title":{"rendered":"2023 insights: the growing popularity of split payments in France and Spain"},"content":{"rendered":"\n<p>In recent years, installment payments have become essential for merchants and consumers across Europe. Kaleido Intelligence predicts the global market could triple by 2025, reaching $250 billion. Amid inflation and rising energy costs, Younited and MixFactory\u2019s study highlights how the French and Spanish markets have evolved in their use of installment payments since 2021.<\/p>\n\n\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-stats-alone-simple has-global-padding is-layout-constrained wp-container-core-group-is-layout-a82a1774 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-5bacf59f wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-blockparty-key-figure is-style-progress-indicator\"><p class=\"wp-block-blockparty-key-figure__key\"><span class=\"wp-block-blockparty-key-figure__prefix\"><\/span><span class=\"wp-block-blockparty-key-figure__number\" data-increment=\"60\" data-decimal-separator=\"none\" data-minimum-fraction-digits=\"0\">60<\/span><span class=\"wp-block-blockparty-key-figure__suffix\">%<\/span><\/p><p class=\"wp-block-blockparty-key-figure__description\"><\/p><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p>of French consumers used installment payments of 2 to 4 times for purchases over \u20ac200 in 2023, marking a significant drop of 16 points compared to 2021.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-stats-alone-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-a82a1774 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-cf8232cb wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-a415cb44 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1160\" height=\"870\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/suvey-3.jpg\" alt=\"suvey 3\" class=\"wp-image-679\" style=\"aspect-ratio:4\/3;object-fit:cover\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/suvey-3.jpg 1160w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/suvey-3-1024x768.jpg 1024w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/suvey-3-768x576.jpg 768w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/suvey-3-149x112.jpg 149w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/suvey-3-231x173.jpg 231w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/suvey-3-459x344.jpg 459w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/suvey-3-584x438.jpg 584w\" sizes=\"auto, (max-width: 1160px) 100vw, 1160px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-blockparty-key-figure is-style-progress-indicator\"><p class=\"wp-block-blockparty-key-figure__key\"><span class=\"wp-block-blockparty-key-figure__prefix\"><\/span><span class=\"wp-block-blockparty-key-figure__number\" data-increment=\"50\" data-decimal-separator=\"none\" data-minimum-fraction-digits=\"0\">50<\/span><span class=\"wp-block-blockparty-key-figure__suffix\">%<\/span><\/p><p class=\"wp-block-blockparty-key-figure__description\"><\/p><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p>This represents the proportion of French and Spanish consumers who have used installment payments for purchases over \u20ac1,000, indicating a rising trend towards higher-value transactions.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-media-text is-style-default has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-center\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"546\" height=\"427\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2023\/06\/capture-decran-2026-06-01-152434.png\" alt=\"\" class=\"wp-image-1987 size-media-text-2x\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2023\/06\/capture-decran-2026-06-01-152434.png 546w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2023\/06\/capture-decran-2026-06-01-152434-143x112.png 143w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2023\/06\/capture-decran-2026-06-01-152434-221x173.png 221w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2023\/06\/capture-decran-2026-06-01-152434-440x344.png 440w\" sizes=\"auto, (max-width: 546px) 100vw, 546px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-06b7c649 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-a0f07363 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading alignwide\">Boosting customer return with&nbsp;installment payments<\/h2>\n\n\n\n<p>of consumers state that the availability of installment payments will encourage them to return to the store or website where they made their purchase.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide wp-pattern wp-pattern-features-image-text wp-pattern-carousel has-global-padding is-layout-constrained wp-container-core-group-is-layout-a82a1774 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-2cbdae63 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\">Key insights from the study<\/h2>\n<\/div>\n\n\n<div class=\"wp-block-yuc-grid-carousel--render wp-block-yuc-grid-carousel--carousel wp-block-yuc-grid-carousel--items-3 alignwide wp-block-yuc-grid-carousel\">\n\t<div class=\"swiper\">\n\t\t<ul class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t<li class=\"swiper-slide\">\n\t\t\t\t\n<div class=\"wp-block-group has-light-background-color has-background is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-31b8b66a wp-block-group-is-layout-flex\" style=\"border-top-left-radius:var(--wp--preset--border-radius--2-xl);border-top-right-radius:var(--wp--preset--border-radius--2-xl);border-bottom-left-radius:var(--wp--preset--border-radius--2-xl);border-bottom-right-radius:var(--wp--preset--border-radius--2-xl);padding-top:var(--wp--preset--spacing--2-xs);padding-right:var(--wp--preset--spacing--2-xs);padding-bottom:var(--wp--preset--spacing--2-xs);padding-left:var(--wp--preset--spacing--2-xs)\">\n<figure class=\"wp-block-image wp-image-680\"><img loading=\"lazy\" decoding=\"async\" width=\"1160\" height=\"870\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/1-3.jpg\" alt=\"1\" class=\"wp-image-680\" style=\"aspect-ratio:71\/40;object-fit:cover\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/1-3.jpg 1160w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/1-3-1024x768.jpg 1024w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/1-3-768x576.jpg 768w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/1-3-149x112.jpg 149w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/1-3-231x173.jpg 231w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/1-3-459x344.jpg 459w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/1-3-584x438.jpg 584w\" sizes=\"auto, (max-width: 1160px) 100vw, 1160px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-54b15878 wp-block-group-is-layout-constrained\" style=\"padding-right:var(--wp--preset--spacing--l);padding-bottom:var(--wp--preset--spacing--l);padding-left:var(--wp--preset--spacing--l)\">\n<h3 class=\"wp-block-heading is-style-h4\">Rising use of installments<\/h3>\n\n\n\n<p>Many French consumers are increasingly interested in flexible installment payment options for higher-value purchases.<\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"swiper-slide\">\n\t\t\t\t\n<div class=\"wp-block-group has-light-background-color has-background is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-31b8b66a wp-block-group-is-layout-flex\" style=\"border-top-left-radius:var(--wp--preset--border-radius--2-xl);border-top-right-radius:var(--wp--preset--border-radius--2-xl);border-bottom-left-radius:var(--wp--preset--border-radius--2-xl);border-bottom-right-radius:var(--wp--preset--border-radius--2-xl);padding-top:var(--wp--preset--spacing--2-xs);padding-right:var(--wp--preset--spacing--2-xs);padding-bottom:var(--wp--preset--spacing--2-xs);padding-left:var(--wp--preset--spacing--2-xs)\">\n<figure class=\"wp-block-image wp-image-681\"><img loading=\"lazy\" decoding=\"async\" width=\"1160\" height=\"870\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/2-3.jpg\" alt=\"2\" class=\"wp-image-681\" style=\"aspect-ratio:71\/40;object-fit:cover\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/2-3.jpg 1160w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/2-3-1024x768.jpg 1024w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/2-3-768x576.jpg 768w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/2-3-149x112.jpg 149w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/2-3-231x173.jpg 231w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/2-3-459x344.jpg 459w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/2-3-584x438.jpg 584w\" sizes=\"auto, (max-width: 1160px) 100vw, 1160px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-54b15878 wp-block-group-is-layout-constrained\" style=\"padding-right:var(--wp--preset--spacing--l);padding-bottom:var(--wp--preset--spacing--l);padding-left:var(--wp--preset--spacing--l)\">\n<h3 class=\"wp-block-heading is-style-h4\">Trust as a key factor<\/h3>\n\n\n\n<p>Consumers prioritize the reputation of retailers when choosing installment payment solutions, seeking reassurance in their purchasing decisions.<\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"swiper-slide\">\n\t\t\t\t\n<div class=\"wp-block-group has-light-background-color has-background is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-31b8b66a wp-block-group-is-layout-flex\" style=\"border-top-left-radius:var(--wp--preset--border-radius--2-xl);border-top-right-radius:var(--wp--preset--border-radius--2-xl);border-bottom-left-radius:var(--wp--preset--border-radius--2-xl);border-bottom-right-radius:var(--wp--preset--border-radius--2-xl);padding-top:var(--wp--preset--spacing--2-xs);padding-right:var(--wp--preset--spacing--2-xs);padding-bottom:var(--wp--preset--spacing--2-xs);padding-left:var(--wp--preset--spacing--2-xs)\">\n<figure class=\"wp-block-image wp-image-682\"><img loading=\"lazy\" decoding=\"async\" width=\"1160\" height=\"870\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/3-3.jpg\" alt=\"3\" class=\"wp-image-682\" style=\"aspect-ratio:71\/40;object-fit:cover\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/3-3.jpg 1160w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/3-3-1024x768.jpg 1024w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/3-3-768x576.jpg 768w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/3-3-149x112.jpg 149w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/3-3-231x173.jpg 231w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/3-3-459x344.jpg 459w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/3-3-584x438.jpg 584w\" sizes=\"auto, (max-width: 1160px) 100vw, 1160px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-54b15878 wp-block-group-is-layout-constrained\" style=\"padding-right:var(--wp--preset--spacing--l);padding-bottom:var(--wp--preset--spacing--l);padding-left:var(--wp--preset--spacing--l)\">\n<h3 class=\"wp-block-heading is-style-h4\">Need for speed<\/h3>\n\n\n\n<p>While many users enjoy quick payment experiences, delays can arise during verification for longer payment plans, affecting overall satisfaction.<\/p>\n<\/div>\n<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<blockquote class=\"block block-quote align wp-block-yuc-quote\">\n\t<p class=\"block-quote__text\">In line with our 2021 findings, French consumers\u2019 desire for a wider range of solutions has materialized. At Younited, through our regulated instant credit offering, we have positioned ourselves as specialists in financing higher-value baskets from \u20ac300 and 10 months. Furthermore, unlike most other European installment payment offerings, Younited Pay is already 100% aligned with future regulations.<\/p>\n\t<footer class=\"block-quote__author\">\n\t\t\t\t<figure class=\"block-quote__image-wrapper\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/david-payet-150x150.jpg\" class=\"block-quote__image\" alt=\"\" data-location=\"\" aria-hidden=\"true\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/david-payet-150x150.jpg 150w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/david-payet-375x375.jpg 375w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/david-payet-112x112.jpg 112w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/david-payet-173x173.jpg 173w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/david-payet-344x344.jpg 344w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/david-payet.jpg 600w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>\t\t<\/figure>\n\t\t\n\t\t<p class=\"block-quote__author-infos\">\n\t\t\t<cite class=\"block-quote__name\">David Payet<\/cite><span class=\"block-quote__role\">Product Marketing and Communication Director<\/span>\t\t<\/p>\n\t<\/footer>\n<\/blockquote>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Uncover payment solution trends<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Download the full Younited report to understand how installment payments are transforming consumer behaviours and market dynamics.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button gtag-download-wp\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/06062023-younited-cp-etude-paiement-vf.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download the full survey<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-center\">Study methodology: the study was conducted by Younited and MixFactory in March 2023. It is based on a sample of 2,000 consumers from France and Spain who have used installment payments in the past 6 months. The study utilized an online survey to understand current trends and consumer expectations regarding installment payments.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-style-default has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"block block-content-picking wp-pattern-content-picking wp-block-beapi-manual-block alignwide\" data-type=\"manual\" data-layout=\"grid\" data-post-type=\"insight\">\n\t\t\t\n\n<div class=\"block-content-picking block-content-picking--insight block-content-picking--grid block-content-picking--insight-grid\" data-grid=\"3\">\t\n<div class=\"block-content-picking__header \">\n\t<h2 class=\"wp-block-heading is-style-h2\">This could be of interest to you<\/h2><\/div>\n\n\t<ul class=\"block-content-picking__list\">\n\t\t\t\t\t<li class=\"block-content-picking__list-item\">\n\t\t\t\t<div class=\"crd crd-insight crd-insight--grid\" data-seo-container>\n\t<div class=\"crd__image\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"750\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/survey-winter-750x750.jpg\" class=\"crd__img\" alt=\"survey winter\" data-location=\"\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/survey-winter-750x750.jpg 750w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/survey-winter-375x375.jpg 375w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/survey-winter-150x150.jpg 150w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/>\t<\/div>\n\t<div class=\"crd__content\">\n\t<ul class=\"post-terms no-list-style\">\n\t\t\t<li class=\"post-terms__item post-terms__item post-terms__item--pill\">Consumer trends<\/li><li class=\"post-terms__item\">Surveys<\/li>\t\t<\/ul>\n\t\t<p class=\"crd__title is-style-subtitle\">\n\t\t\t<a href=\"https:\/\/younited.com\/group\/en\/insights\/how-inflation-is-shaping-french-2023-winter-vacation-choices-and-spending-habits\/\" data-seo-target>\n\t\t\t\tHow inflation is shaping French 2023 winter vacation and spending habits?\t\t\t<\/a>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n\t\t\t<\/li>\n\t\t\t\t\t\t<li class=\"block-content-picking__list-item\">\n\t\t\t\t<div class=\"crd crd-insight crd-insight--grid\" data-seo-container>\n\t<div class=\"crd__image\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"750\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/survey-2023-750x750.jpg\" class=\"crd__img\" alt=\"survey 2023\" data-location=\"\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/survey-2023-750x750.jpg 750w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/survey-2023-375x375.jpg 375w, https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/survey-2023-150x150.jpg 150w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/>\t<\/div>\n\t<div class=\"crd__content\">\n\t<ul class=\"post-terms no-list-style\">\n\t\t\t<li class=\"post-terms__item post-terms__item post-terms__item--pill\">Payments<\/li><li class=\"post-terms__item\">Surveys<\/li>\t\t<\/ul>\n\t\t<p class=\"crd__title is-style-subtitle\">\n\t\t\t<a href=\"https:\/\/younited.com\/group\/en\/insights\/the-growing-popularity-of-split-payments-in-france-and-spain\/\" data-seo-target>\n\t\t\t\t2023 insights: the growing popularity of split payments in France and Spain\t\t\t<\/a>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n\t\t\t<\/li>\n\t\t\t\t\t\t<li class=\"block-content-picking__list-item\">\n\t\t\t\t<div class=\"crd crd-insight crd-insight--grid\" data-seo-container>\n\t<div class=\"crd__image\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"750\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/4\/2026\/05\/survey-4-750x750.jpg\" class=\"crd__img\" alt=\"survey 4\" data-location=\"\" 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