European smartphone users are using their devices for mobile commerce more than ever, and the number is increasing at a higher than expected rate. According to ING's annual international survey around mobile banking, 58% of users purchased something using their smartphone or other mobile device in 2015, and this has increased to 66% this year. The highest rates of m-commerce usage amongst smartphone users were Turkey with 88%, followed by Italy and Poland on 69%. However, the strongest growth was seen in France and the Netherlands, which both saw an increase of 16% from last year. The work by ING also showed the increase in mobile banking, with 82% of people who use a banking service on mobile also shopping with those same devices.