Central bank statistics:
Number of payments million times direct/card and bn €direct/bn €cards
2014: 56,9/8,6 million times, na/0,8 bn€
2015: 65,6/7,3, 4,8bn/0,7
2016: 77,5/9,7, 5,4bn/0,8
2017: 88,2/17,1 (big increase in card trx - due to mobile?), 7,0bn€/1,0
Direct real time e-commerce payments started in mid-90s so the habit has deep roots.