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Germany Buy Now Pay Later Business and Investment Opportunities

Germany Buy Now Pay Later Business and Investment Opportunities

According to PayNXT360, BNPL payments in the country are expected to grow by 44.0% on an annual basis to reach US$90,503.8 million in 2022. Medium to long term growth story of BNPL industry in German...

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 - Q3 2022 Update
Summary
According to PayNXT360, BNPL payments in the country are expected to grow by 44.0% on an annual basis to reach US$90,503.8 million in 2022.

Medium to long term growth story of BNPL industry in Germany remains strong. BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 28.0% during 2022-2028. The BNPL Gross Merchandise Value in the country will increase from US$62,841.0 million in 2021 to reach US$397,756.2 million by 2028.

In Europe, buy now pay later (BNPL) is rapidly becoming the main growth area for Fintech firms in 2022. Many Fintech firms are turning to B2C and B2B BNPL service to expand their portfolio of services, thereby diversifying their revenue streams. The trends are very similar in the German industry, where the adoption of BNPL has constantly risen over the last few years, both among consumers and merchants. 

While more and more consumers are beginning to use BNPL payment methods, regulators also have a keen interest in the business model. In Germany, regulatory bodies are having an interest in ensuring that consumers do not get debt-ridden as credit is available easily through BNPL platforms. Consequently, they are likely to focus on transparency and trust, ensuring borrowers make informed decisions. 

As regulators across the European region work on developing a set of standards for BNPL operators, firms are continuing to expand their footprint in Germany as they seek to capitalize on the growing demand among consumers. 

Firms are entering into strategic alliances to offer more German shoppers flexible and convenient payment options 

As German consumers continue to move away from traditional payment methods to better alternatives, such as BNPL, e-commerce marketplaces are forging strategic alliances with BNPL providers in Germany. For instance, 

• In March 2022, Klarna, the leading global BNPL firm, announced that the firm had forged a strategic alliance with eBay, an online marketplace. Under the collaboration, Klarna will make Pay Later and Financing options available on eBay's German website, thereby allowing shoppers to access a range of payment methods. 

• This strategic alliance could mean negative news for PayPal, which once was a subsidiary of eBay and is still an exclusive payment partner for the online marketplace in many countries. Notably, the launch of both payment options is expected to take place in a phased manner on the German eBay site. 

PayNXT360 expects the trend of BNPL adoption to grow further in Germany over the next three to four years, which will subsequently lead to more such strategic alliances among digital players. 

B2B BNPL players are raising funding rounds to invest in product and customer acquisition in Germany

With Fintech firms looking at the BNPL market as the major growth and revenue driver in Germany, players are raising big investments from global venture capital and private equity firms to accelerate their growth. For instance, 

• In May 2022, Mondu, a Berlin-based BNPL startup, announced that the firm had raised €39.9 million in a funding round led by Valar Ventures. Notably, the funding round is part of the firm’s strategy to invest in product and customer acquisition as well as to expand the services internationally from the short to medium-term perspective. The firm is projected to expand its operations in Austria in the Summer of 2022, with more European countries later this year. 

Over the next three to four years, more and more businesses are expected to move digital. As a result of this, the need for B2B BNPL will grow at an accelerated pace globally, and not just in Germany. Consequently, Mondu is expanding its presence in the international market to capitalize on the projected growth in the B2B space. 

Regional players are planning to expand their BNPL services in Germany amid growing consumer demand 

The adoption of BNPL products has surged significantly among German consumers over the last few years, and this trend is expected to continue from the short to medium-term perspective. Consequently, regional players are planning to expand their presence in the European market. For instance, 

• In May 2022, in3, a Dutch-based BNPL provider, announced that the firm is planning to expand its operations in Germany by launching the deferred payment option for consumers in the country. Notably, the announcement came after the firm raised US$85.3 million in its Series B funding round, which the firm is planning to expand in the Netherlands and launch in Germany. 

While Dutch firms are planning to expand and gain market share in Germany, domestic players are expanding in the Netherlands as well. For instance, 

• In January 2022, Zinia, the Santander Bank BNPL product, announced that the firm is expanding in the Netherlands as it seeks to grow its footprint in the European market.
PayNXT360 expects this trend to continue over the next three to four years as firms seek to drive their market share and revenue growth. This expansion strategy adopted by the firms will further drive competition and innovation in the space. 
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 (RatePay, Klarna, Paypal, Afterpay)

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
Reason 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
Table of Contents
 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 PayNXT360
13.2 Related Research
List Of Table
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$), 2019-2028
Table 26: Germany Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Thousand), 2019-2028
List of figures
Figure 1: PayNXT360’s Methodology Framework
Figure 2: Germany Buy Now Pay Later – GMV and Adoption Rationale
Figure 3: Germany Buy Now Pay Later – Share by Gender and Age Group
Figure 4: Germany Buy Now Pay Later – Market Share Analysis by Key Players (%)
Figure 5: Germany Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ 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
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