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Germany Buy Now Pay Later Business and Investment Opportunities

Germany Buy Now Pay Later Business and Investment Opportunities

Digitalization has gradually started to dominate all sectors in Germany. This impact of digitalization is especially evident in financial transactions. As compared to some other European countries, ca...

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
Summary
Digitalization has gradually started to dominate all sectors in Germany. This impact of digitalization is especially evident in financial transactions. As compared to some other European countries, cash played a bigger role in Germany a few years back. However, the evolving payment landscape and the accelerated push by the coronavirus pandemic have transformed the overall payment industry in the country. According to PayNXT360’s Q2 2021 BNPL Survey, BNPL payment in the country is expected to grow by 55.5% on annual basis to reach US$ 18711.1 million in 2021.

With consumer demand for BNPL services increasing in the country, online retailers and merchants are looking at BNPL as a marketing tool. The deferred payment solution in BNPL is allowing both online and offline merchants to experience increased basket size, improved conversion rates, and enhanced customer loyalty. However, both online and offline merchants in Germany are expecting the BNPL payment method at point-of-sale (POS) to attract new customers.

Being the largest BNPL market in Europe, Germany also has the highest number of BNPL players in the region. The different BNPL firms operating in Germany include Klarna, Clearpay, PayPal, Ratepay, Scalapay, Divido, and Cashper. While Klarna and Ratepay have been the leading players in the German BNPL sector, smaller BNPL providers such as Scalapay have been raising funds to expand their services in Germany and other European countries.

With the BNPL businesses such as Klarna offering their own banking accounts to consumers, it presents an even more significant threat to the banking industry. Large banks can compete and gain back their market share from the BNPL providers. However, for them to compete, banking players must forge strong relationships with retailers at the point-of-sale, which BNPL companies.

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 23.8% during 2021-2028. The BNPL Gross Merchandise Value in the country will increase from US$ 12,032.0 million in 2020 to reach US$ 83,619.4 million by 2028.
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 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 Education: 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 Automotive: 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
• Financial super apps to dominate the German BNPL space in the country. For instance, the new banking product offered by Klarna will offer consumers an end-to-end experience, using which the shoppers will be able to bank the way they shop. By providing both banking and shopping into a single platform, consumers will be better able to manage their finances.

• 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 Consumer Account Count, 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 Gross Merchandise Value Analysis

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$), 2019-2028
Table 3: Germany Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 4: Germany Buy Now Pay Later – Revenues (Million), 2019-2028
Table 5: Germany Buy Now Pay Later – Merchant Commission (Million), 2019-2028
Table 6: Germany Buy Now Pay Later – Missed Payment Fee Revenue (Million), 2019-2028
Table 7: Germany Buy Now Pay Later Pay Now & Other Income (Million), 2019-2028
Table 8: Germany Buy Now Pay Later – Consumer Account Count, 2019-2028
Table 9: Germany Buy Now Pay Later – Bad Debt (Million), 2019-2028
Table 10: Germany Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 11: Germany Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 12: Germany Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 13: Germany Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 14: Germany Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2019-2028
Table 15: Germany Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 16: Germany Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 17: Germany Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Table 18: Germany Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 19: Germany Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 20: Germany Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Table 21: Germany Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 22: Germany Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 23: Germany Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Table 24: Germany Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 25: Germany Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 26: Germany Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028
List of figures
Figure 1: PayNXT360’s Methodology Framework
Figure 2: Germany Buy Now Pay Later – GMV and Adoption Rationale
Figure 3: Germany Buy Now Pay Later – Share by Gender and Age Group
Figure 4: Germany Buy Now Pay Later – Market Share Analysis by Key Players (%)
Figure 5: Germany Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 5019-5058
Figure 6: Germany Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 7: Germany Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 8: Germany Buy Now Pay Later – Revenues (Million), 2019-2028
Figure 9: Buy Now Pay Later Share by Revenue Segments
Figure 10: Germany Buy Now Pay Later – Merchant Commission (Million), 2019-20210
Figure 11: Germany Buy Now Pay Later – Missed Payment Fee Revenue (Million), 20111-20211
Figure 12: Germany Buy Now Pay Later Pay Now & Other Income (Million), 20112-2028
Figure 13: Germany Buy Now Pay Later – Consumer Account Count, 2019-2028
Figure 14: Germany Buy Now Pay Later – Bad Debt (Million), 2019-2028
Figure 15: Germany Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 16: Germany Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 17: Germany Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 18: Germany Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2025
Figure 19: Germany Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2028
Figure 20: Germany Buy Now Pay Later – Market Share by End-Use Sector, 2020 Vs. 2025
Figure 21: Germany Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2028
Figure 22: Germany Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2222-2228
Figure 23: Germany Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2319-2328
Figure 24: Germany Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 25: Germany Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 26: Germany Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 27: Germany Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 28: Germany Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 29: Germany Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 30: Germany Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2030
Figure 31: Germany Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2031
Figure 32: Germany Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 33: Germany Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ 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 (Million), 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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