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Germany Buy Now Pay Later Business and Investment Opportunities - 75+ KPIs on Buy Now Pay Later Trends by End-Use Sectors, Operational KPIs, Market Share, Retail Product Dynamics, and Consumer Demographics - Q1 2022 Update

  • ID: 5304983
  • Report
  • January 2022
  • Region: Germany
  • 50 Pages
  • PayNXT360

FEATURED COMPANIES

  • Afterpay
  • Cashper
  • Divido
  • Klarna
  • Paypal
  • RatePay
According to the Q4 2021 BNPL Survey, BNPL payment in Germany is expected to grow by 59.9% on annual basis to reach US$ 60424.0 million in 2022.

Medium to long term growth story of BNPL industry in Germany remains strong. The BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 35.9% during 2022-2028. The BNPL Gross Merchandise Value in the country will increase from US$ 37777.1 million in 2021 to reach US$ 380628.0 million by 2028.

Over the last four to eight quarters, digitalization has started to dominate all sectors in Germany. Notably, the impact of digitalization is especially evident in financial transactions. During the last decade, cash played a significant role in the country. However, the changing and evolving payments landscape and the global pandemic have significantly transformed the entire payment industry in Germany. Consequently, it will lead to the growing adoption of BNPL products among merchants and consumers.

The publisher expects the widespread adoption of BNPL products to continue in Germany over the next four to eight quarters. Global BNPL players are projected to expand their footprint in the German BNPL market from the short to medium-term perspective, either through strategic investments, partnerships, or mergers and acquisitions deals.

Mobile banking players are launching innovative BNPL alternative solutions in Germany

As more and more consumers are demanding flexible payment solutions such as BNPL products, mobile banking players are also launching products similar to BNPL for their customers in Germany. For instance,
  • In July 2021, N26, the Mobile Bank announced the launch of its innovative N26 Installments product, which allows eligible customers the option to split their past purchases into easy and flexible installments. Notably, the N26 Installments product gives customers instant access to up to 82.71% of the original purchase price. This new product launch by N26 addresses the growing demand among consumers.

While the N26 Installments product is currently available for consumers in Germany only, the publisher expects the mobile banking player to launch the BNPL alternative in other European markets from the short to medium-term perspective, as the demand for such a flexible payment method is expected to increase significantly over the next four to eight quarters.

Klarna is focusing on launching innovative features to expand its market share in Germany

In the midst of the growing competition in the German BNPL sector, companies are innovating with their product development and are launching value-added features for users in the country. For instance,
  • In December 2021, Klarna, the global BNPL giant, announced the introduction of its new browser extension with payments and coupons. Notably, the browser extension offers the same features that users can access on its mobile app; however, the browser extension is for computer users. Notably, the feature provides users with automatic couponing at the time of checkout.

German-based BNPL startups are raising funds to accelerate their international expansion

The global BNPL market is expected to record robust growth from the short to medium-term perspective. Consequently, to capitalize on this high-growth potential in the global BNPL segment, German-based startups are raising funds to accelerate their international expansion. For instance,
  • In October 2021, Billie, the Berlin-based BNPL startup, announced that the firm had raised about €86.2 million in its Series C funding round at a valuation of €551.5 million. Notably, the €86.2 million funding round is one of the largest globally in the B2B BNPL segment. In line with its vision, the firm is planning to use the new capital for its international expansion.

Scope


This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Germany. Below is a summary of key market segments:

Germany BNPL Market Size and Spending Pattern

  • Gross Merchandise Value Trend Analysis
  • Average Value Per Transaction Trend Analysis
  • Transaction Volume Trend Analysis

Germany Buy Now Pay Later Operational KPIs

  • Buy Now Pay Later Revenues, 2019 - 2028
  • Buy Now Pay Later Share by Revenue Segments
  • Buy Now Pay Later Merchant Commission, 2019 - 2028
  • Buy Now Pay Later Missed Payment Fee Revenue, 2019 - 2028
  • Buy Now Pay Later Pay Now & Other Income, 2019 - 2028
  • Buy Now Pay Later Accounts, 2019 - 2028
  • Buy Now Pay Later Bad Debt, 2019 - 2028

Germany Buy Now Pay Later Market Share Analysis by Key Players


Germany Buy Now Pay Later Spend Analysis by Channel: Market Size and Forecast

  • Online Channel
  • POS Channel

Germany Buy Now Pay Later in Retail Shopping: Market Size and Forecast

  • Gross Merchandise Value Trend Analysis
  • Average Value Per Transaction Trend Analysis
  • Transaction Volume Trend Analysis

Germany Buy Now Pay Later in Home Improvement: Market Size and Forecast

  • Gross Merchandise Value Trend Analysis
  • Average Value Per Transaction Trend Analysis
  • Transaction Volume Trend Analysis

Germany Buy Now Pay Later in Leisure & Entertainment: Market Size and Forecast

  • Gross Merchandise Value Trend Analysis
  • Average Value Per Transaction Trend Analysis
  • Transaction Volume Trend Analysis

Germany Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast

  • Gross Merchandise Value Trend Analysis
  • Average Value Per Transaction Trend Analysis
  • Transaction Volume Trend Analysis

Germany Buy Now Pay Later in Other: Market Size and Forecast

  • Gross Merchandise Value Trend Analysis
  • Average Value Per Transaction Trend Analysis
  • Transaction Volume Trend Analysis

Germany Buy Now Pay Later Analysis by Consumer Attitude and Behaviour

  • Buy Now Pay Later Sales Uplift by Product Category
  • Buy Now Pay Later Spend Share by Age Group
  • Buy Now Pay Later Gross Merchandise Share by Income
  • Buy Now Pay Later Gross Merchandise Value Share by Gender
  • Buy Now Pay Later Adoption Rationale Gross Merchandise Value Analysis

Reasons to buy

  • In-depth Understanding of Buy Now Pay Later Market Dynamics: Understand market opportunities and key trends along with forecast (2019-2028). Understand market dynamics through essential KPIs such as Gross Merchandise Value, Volume, and Average Value Per Transaction.
  • Insights into Opportunity by end-use sectors - Get market dynamics by end-use sectors to assess emerging opportunity across various end-use sectors.
  • Develop Market Specific Strategies: Identify growth segments and target specific opportunities to formulate BNPL strategy; assess market specific key trends, drivers, and risks in the BNPL industry.
  • Get Insights into Consumer Attitude and Behaviour: Drawing from proprietary survey results, this report identifies and interprets key Buy Now Pay Later KPIs, including spend by age, gender, and income level.
  • Market Share by Key Players
Note: Product cover images may vary from those shown

FEATURED COMPANIES

  • Afterpay
  • Cashper
  • Divido
  • Klarna
  • Paypal
  • RatePay

1. About this Report
1.1 Summary
1.2 Methodology
1.3 Disclaimer
2. Germany BNPL Market Size and Future Growth Dynamics
2.1 Consumer Behavior
2.2 Competitive Landscape and Growth Strategies
2.3 Market Share
2.4 Regulatory Trends
3. Germany Buy Now Pay Later Industry Attractiveness
3.1 Germany Buy Now Pay Later - Gross Merchandise Value Trend Analysis, 2019-2028
3.2 Germany Buy Now Pay Later - Average Value Per Transaction Trend Analysis, 2019-2028
3.3 Germany Buy Now Pay Later - Transaction Volume Trend Analysis, 2019-2028
4. Germany Buy Now Pay Later Operational KPIs
4.1 Buy Now Pay Later Revenues, 2019 - 2028
4.2 Buy Now Pay Later Share by Revenue Segments
4.3 Buy Now Pay Later Merchant Commission, 2019 - 2028
4.4 Buy Now Pay Later Missed Payment Fee Revenue, 2019 - 2028
4.5 Buy Now Pay Later Pay Now & Other Income, 2019 - 2028
4.6 Buy Now Pay Later Accounts, 2019 - 2028
4.7 Buy Now Pay Later Bad Debt, 2019 - 2028
5. Germany Buy Now Pay Later Spend Analysis by Channel
5.1 Buy Now Pay Later Market Share by Channel, 2019 - 2028
5.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2019 - 2028
5.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2019 - 2028
6. Germany Buy Now Pay Later Snapshot by End-Use Sector
6.1 Buy Now Pay Later Market Share by End-Use Sector - Emerging Avenues and Future Growth Prospects
6.2 Buy Now Pay Later Sales Uplift by End-Use Sector
6.3 Buy Now Pay Later Share by Retail Product Category
7. Germany Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019 - 2028
7.1 Germany Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis, 2019-2028
7.2 Germany Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis, 2019-2028
7.3 Germany Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis, 2019-2028
8. Germany Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019 - 2028
8.1 Germany Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis, 2019-2028
8.2 Germany Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis, 2019-2028
8.3 Germany Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis, 2019-2028
9. Germany Buy Now Pay Later in Leisure & Entertainment: Market Size and Forecast, 2019 - 2028
9.1 Germany Buy Now Pay Later Leisure & Entertainment - Gross Merchandise Value Trend Analysis, 2019-2028
9.2 Germany Buy Now Pay Later Leisure & Entertainment - Average Value Per Transaction Trend Analysis, 2019-2028
9.3 Germany Buy Now Pay Later Leisure & Entertainment - Transaction Volume Trend Analysis, 2019-2028
10. Germany Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019 - 2028
10.1 Germany Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis, 2019-2028
10.2 Germany Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis, 2019-2028
10.3 Germany Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis, 2019-2028
11. Germany Buy Now Pay Later in Other Segment: Market Size and Forecast, 2019 - 2028
11.1 Germany Buy Now Pay Later Other Segment - Gross Merchandise Value Trend Analysis, 2019-2028
11.2 Germany Buy Now Pay Later Other Segment - Average Value Per Transaction Trend Analysis, 2019-2028
11.3 Germany Buy Now Pay Later Other Segment - Transaction Volume Trend Analysis, 2019-2028
12. Germany Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
12.1 Buy Now Pay Later Spend Share by Age Group
12.2 Buy Now Pay Later Gross Merchandise Share by Income
12.3 Buy Now Pay Later Gross Merchandise Value Share by Gender
12.4 Buy Now Pay Later Adoption Rationale
13. Further Reading
13.1 About the Publisher
13.2 Related Research

List of Figures

Figure 1: Methodology Framework
Figure 2: Germany Buy Now Pay Later - GMV and Adoption Rationale
Figure 3: Germany Buy Now Pay Later - Share by Gender and Age Group
Figure 4: Germany Buy Now Pay Later - Market Share Analysis by Key Players (%)
Figure 5: Germany Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 6: Germany Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 7: Germany Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 8: Germany Buy Now Pay Later - Revenues (US$ Million), 2019-2028
Figure 9: Buy Now Pay Later Share by Revenue Segments
Figure 10: Germany Buy Now Pay Later - Merchant Commission (US$ Million), 2019-2028
Figure 11: Germany Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2019-2028
Figure 12: Germany Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028
Figure 13: Germany Buy Now Pay Later - Accounts (Thousand), 2019-2028
Figure 14: Germany Buy Now Pay Later - Bad Debt (US$ Million), 2019-2028
Figure 15: Germany Buy Now Pay Later - Gross Merchandise Value Market Share by Channel (%), 2019-2028
Figure 16: Germany Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2019-2028
Figure 17: Germany Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2019-2028
Figure 18: Germany Buy Now Pay Later - Market Share by End-Use Sector, 2021 Vs. 2028
Figure 19: Germany Buy Now Pay Later - Market Share by End-Use Segment, 2021
Figure 20: Germany Buy Now Pay Later - Market Share by Retail Product Category, 2021
Figure 21: Germany Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 22: Germany Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 23: Germany Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 24: Germany Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 25: Germany Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 26: Germany Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 27: Germany Buy Now Pay Later Leisure & Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 28: Germany Buy Now Pay Later Leisure & Entertainment - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 29: Germany Buy Now Pay Later Leisure & Entertainment - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 30: Germany Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 31: Germany Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 32: Germany Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 33: Germany Buy Now Pay Later Other Segment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 34: Germany Buy Now Pay Later Other Segment - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 35: Germany Buy Now Pay Later Other Segment - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 36: Germany Buy Now Pay Later - Share by Age Group in Gross Merchandise Value Terms
Figure 37: Germany Buy Now Pay Later - Share by Income Group in Value Terms
Figure 38: Germany Buy Now Pay Later - Share by Gender in Value Terms
Figure 39: Buy Now Pay Later - Adoption Rationale Gross Merchandise Value Analysis

List of Tables

Table 1: Germany Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 2: Germany Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 3: Germany Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 4: Germany Buy Now Pay Later - Revenues (US$ Million), 2019-2028
Table 5: Germany Buy Now Pay Later - Merchant Commission (US$ Million), 2019-2028
Table 6: Germany Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2019-2028
Table 7: Germany Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028
Table 8: Germany Buy Now Pay Later - Accounts (Thousand), 2019-2028
Table 9: Germany Buy Now Pay Later - Bad Debt (US$ Million), 2019-2028
Table 10: Germany Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2019-2028
Table 11: Germany Buy Now Pay Later -Gross Merchandise Value by POS Channel (US$ Million), 2019-2028
Table 12: Germany Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 13: Germany Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 14: Germany Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 15: Germany Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 16: Germany Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 17: Germany Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 18: Germany Buy Now Pay Later Leisure & Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 19: Germany Buy Now Pay Later Leisure & Entertainment - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 20: Germany Buy Now Pay Later Leisure & Entertainment - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 21: Germany Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 22: Germany Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 23: Germany Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 24: Germany Buy Now Pay Later Other Segment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 25: Germany Buy Now Pay Later Other Segment - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 26: Germany Buy Now Pay Later Other Segment - Transaction Volume Trend Analysis (Thousand), 2019-2028
Note: Product cover images may vary from those shown
  • RatePay
  • Klarna
  • Paypal
  • Afterpay
  • Divido
  • Cashper
Note: Product cover images may vary from those shown

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