Token.io and Open Banking Expo have launched their sixth annual Pay by Bank industry survey, inviting senior professionals across banking, payments, retail and fintech to share their views on what needs to happen next for the payment method.
Open to respondents across the UK, Europe and beyond, the research will gather perspectives from retailers, banks, payment service providers, third-party providers and other stakeholders involved in the development and adoption of Pay by Bank.
The anonymous survey takes approximately seven minutes to complete and will remain open until 23 September 2026.
This year’s research will explore what Pay by Bank needs to become a genuine alternative to cards, including views on branding, the point-of-sale experience, recurring payments and the emerging role of agentic commerce.
Participants will also be asked about the factors currently driving or holding back adoption, where responsibility should sit when a payment goes wrong and the level of demand for recurring Pay by Bank functionality across Europe.
For UK respondents, the survey will examine which commercial variable recurring payment (cVRP) use cases businesses would most like to see delivered next.
Those taking part can also opt in to a prize draw for the chance to win two complimentary passes to Open Banking Expo UK & Europe 2026, taking place at the Business Design Centre, London on 13–14 October.
The findings will help build a clearer picture of where demand is growing, which barriers remain and what businesses need to support wider adoption.
Token.io will explore the results with industry participants at this year’s Open Banking Expo UK & Europe.
Click here to take part in the survey.
Token.io is the Headline Partner of Open Banking Expo UK & Europe 2026, which takes place on 13-14 October at the Business Design Centre in London. Click here to find out more .
