According to PayNXT360, BNPL payments in the country are expected to grow by 14.2% on an annual basis to reach US$62,272.0 million in 2024. The medium to long-term growth story of the BNPL industry i...
According to PayNXT360, BNPL payments in the country are expected to grow by 14.2% on an annual basis to reach US$62,272.0 million in 2024. The medium to long-term growth story of the BNPL industry in the country remains strong. BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 9.2% during 2024-2029. The BNPL gross merchandise value in the country will increase from US$54,550.3 million in 2023 to reach US$96,723.5 million by 2029. The buy now pay later industry is thriving on the back of rising inflation and subsequent decline in disposable income in Germany. The trend, in 2024, is projected to continue with adoption rising among consumers across age groups. The uptake is expected to be especially higher among young generation consumers. As a result, PayNXT360 expects the buy now pay later market to grow at a significant rate over the medium term in Germany. Key Developments in the BNPL Sector in Germany The Buy Now Pay Later (BNPL) market in Germany has seen significant developments and product innovations, driven by changing consumer behaviours and economic conditions. Here are the key highlights: Product Launches and Innovations New Product Launches: Unzer, a prominent fintech firm, launched a new BNPL product called "upaylater" in 2023. This product combines invoice and instalment payment options into a single interface, making it more convenient for merchants to offer BNPL services. This innovation aims to enhance the user experience and cater to the growing demand for flexible payment solutions. Strategic Partnerships Collaboration with Fintech Startups: Several fintech firms are venturing into the BNPL market to meet the rising demand for flexible payment solutions. They are expected to partner with established retailers to enhance their services and drive innovation to cater to diverse consumer needs. The BNPL market in Germany is experiencing robust growth and innovation, with new products and partnerships emerging to meet consumer demand. Economic pressures continue to influence consumer behaviour, driving expansion in the BNPL sector, especially in the small loan segment and among younger consumers seeking flexible payment solutions. Regulatory Changes The regulatory and government landscape for the Buy Now Pay Later (BNPL) sector in Germany has evolved significantly, reflecting the need for consumer protection amid rising usage. Here are the key developments: Increased Consumer Protection Focus: The German government and regulatory authorities have heightened scrutiny of the BNPL sector due to a reported 30% increase in usage over the past year. This surge has raised concerns about potential debt traps, particularly among younger consumers who are increasingly using these services. Authorities are considering implementing stricter regulations to ensure responsible lending practices. Proposed Guidelines for Responsible Lending: Discussions are ongoing regarding potential guidelines that would require BNPL providers to conduct thorough creditworthiness assessments before granting loans. This move aims to protect consumers from over-indebtedness and ensure that lending practices are transparent and responsible. Focus on Small Loans: A significant portion of BNPL contracts in Germany falls under the small loan category, with 42% of loans amounting to less than €1,000. This trend has prompted regulators to consider specific measures tailored to small loans, ensuring that consumer protections are adequate for these types of financial products. The BNPL regulations in Germany are evolving to enhance consumer protection and promote responsible lending practices as the market grows. The BNPL payment industry in Germany has recorded strong growth over the last four quarters, supported by increased e-commerce penetration. This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics. It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an in-depth understanding of end market dynamics. PayNXT360’s research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.
This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Germany through 55 tables and 71 charts. Below is a summary of key market segments: Germany BNPL Market Size and Spending Pattern, 2020-2029 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Germany Buy Now Pay Later Revenue Analysis, 2020-2029 • Buy Now Pay Later Revenues • Buy Now Pay Later Share by Revenue Segments • Buy Now Pay Later Revenue by Merchant Commission • Buy Now Pay Later Revenue by Missed Payment Fee Revenue • Buy Now Pay Later Revenue by Pay Now & Other Income Germany Buy Now Pay Later Operational KPIs & Statistics, 2020-2029 • Buy Now Pay Later Active Consumer Base • Buy Now Pay Later Bad Debt Germany BNPL by Purpose, 2020-2029 • Convenience – Short Term Loans • Credit – Long Term Loans Germany BNPL by Business Model, 2020-2029 • Two-Party (BNPL offered by retailers) • Three-Party BNPL Offering Germany BNPL by Merchant Ecosystem, 2020-2029 • Open Loop System • Closed Loop System Germany BNPL by Distribution Model Analysis, 2020-2029 • Standalone • Banks & Payment Service Providers • Marketplaces Germany Buy Now Pay Later Market Share Analysis by Key Players Germany BNPL Analysis by Channel, 2020-2029 • Online Channel • POS Channel Germany Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2020-2029 • 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, 2020-2029 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Germany Buy Now Pay Later in Travel: Market Size and Forecast, 2020-2029 • Gross Merchandise Value Trend Analysis • Average Value per Transaction Trend Analysis • Transaction Volume Trend Analysis Germany Buy Now Pay Later in Media and Entertainment: Market Size and Forecast, 2020-2029 • Gross Merchandise Value Trend Analysis • Average Value per Transaction Trend Analysis • Transaction Volume Trend Analysis Germany Buy Now Pay Later in Services: Market Size and Forecast, 2020-2029 • 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, 2020-2029 • 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, 2020-2029 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Germany Buy Now Pay Later in Others: 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 • Sales Uplift by Product Category • Share by Age Group • Share by Income • Share by Gender • Adoption Rationale • Average Monthly Expense segments
• Gain a thorough grasp of the dynamics of the industry for Buy Now Pay Later: Determine key trends, market opportunities, and projections for the years 2020–2029. To keep on top of the game, utilise critical KPIs such as volume, average value per transaction, and gross merchandise value to understand market trends. • Get market dynamics by end-use sectors and assess new prospects across various end-use sectors to quickly stay up to date on the most recent and impending developments in BNPL markets. • Market-specific strategies include identifying growth areas that are concentrated on particular opportunities and using our unique combination of quantitative forecasting and cutting-edge insights to analyse market-specific risks and significant trends in the BNPL sector. • Learn about the attitudes and behaviours of consumers: This study uses information from a proprietary survey to identify and interpret key Buy Now Pay Later KPIs, such as spending by age, gender, and income level. • Create profitable and proactive business plans by utilising market research and a forward-looking study of BNPL market spend and significant prospects in Germany.
1 About this Report 1.1 Summary 1.2 Methodology 1.3 BNPL Definitions 1.4 Disclaimer 2 Germany Buy Now Pay Later Industry Attractiveness 2.1 Germany Buy Now Pay Later – Gross Merchandise Value Trend Analysis, 2020-2029 2.2 Germany Buy Now Pay Later – Average Value Per Transaction Trend Analysis, 2020-2029 2.3 Germany Buy Now Pay Later—Transaction Volume Trend Analysis, 2020-2029 2.4 Germany Buy Now Pay Later Market Share Analysis by Key Players 3 Germany Buy Now Pay Later Operational KPIs 3.1 Buy Now Pay Later Revenues, 2020-2029 3.2 Buy Now Pay Later Share by Revenue Segments, 2020-2029 3.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2020-2029 3.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2020-2029 3.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2020-2029 3.3 Buy Now Pay Later Active Consumer Base, 2020-2029 3.4 Buy Now Pay Later Bad Debt, 2020 – 2024 – 2029 4 Buy Now Pay Later Spend Analysis by Business Model, 2020-2029 4.1 Buy Now Pay Later Two-Party Business Model, 2020-2029 4.2 Buy Now Pay Later Three-Party Business Model, 2020-2029 5 Buy Now Pay Later Spend Analysis by Purpose, 2020-2029 5.1 Buy Now Pay Later Convenience, 2020-2029 5.2 Buy Now Pay Later Credit, 2020-2029 6 Buy Now Pay Later Spend Analysis by Functional Attribute, 2020-2029 6.1 Buy Now Pay Later by Open Loop System, 2020-2029 6.2 Buy Now Pay Later by Closed Loop System, 2020-2029 7 Buy Now Pay Later Spend Analysis by Distribution Model, 2020-2029 7.1 Buy Now Pay Later by Standalone, 2020-2029 7.2 Buy Now Pay Later by Banks & Payment Service Providers, 2020-2029 7.3 Buy Now Pay Later by Marketplaces, 2020-2029 8 Germany Buy Now Pay Later Spend Analysis by Sales Channel 8.1 Buy Now Pay Later Market Share by Sales Channel, 2020-2029 8.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2020-2029 8.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2020-2029 9 Germany Buy Now Pay Later Snapshot by End-Use Sector, 2020-2029 9.1 Buy Now Pay Later Market Share by End-Use Sector, 2023 9.2 Buy Now Pay Later Sales Uplift by End-Use Segment, 2023 10 Germany Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2020-2029 10.1 Germany Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis, 2020-2029 10.2 Germany Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis, 2020-2029 10.3 Germany Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis, 2020-2029 11 Germany Buy Now Pay Later Market Size and Forecast by Retail Product Categories 11.1 Buy Now Pay Later Share by Retail Product Category, 2023 11.2 Germany Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis, 2020-2029 11.3 Germany Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis, 2020-2029 11.5 Germany Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis, 2020-2029 11.6 Germany Buy Now Pay Later Retail Shopping - Jewellery – Gross Merchandise Value Trend Analysis, 2020-2029 11.7 Germany Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis, 2020-2029 11.8 Germany Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis, 2020-2029 11.9 Germany Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis, 2020-2029 12 Germany Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2020-2029 12.1 Germany Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis, 2020-2029 12.2 Germany Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis, 2020-2029 12.3 Germany Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis, 2020-2029 13 Germany Buy Now Pay Later in Travel: Market Size and Forecast, 2020-2029 13.1 Germany Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis, 2020-2029 13.2 Germany Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis, 2020-2029 13.3 Germany Buy Now Pay Later Travel – Transaction Volume Trend Analysis, 2020-2029 14 Germany Buy Now Pay Later in Media and Entertainment: Market Size and Forecast, 2020-2029 14.1 Germany Buy Now Pay Later Media and Entertainment – Gross Merchandise Value Trend Analysis, 2020-2029 14.2 Germany Buy Now Pay Later Media and Entertainment – Average Value Per Transaction Trend Analysis, 2020-2029 14.3 Germany Buy Now Pay Later Media and Entertainment – Transaction Volume Trend Analysis, 2020-2029 15 Germany Buy Now Pay Later in Service: Market Size and Forecast, 2020-2029 15.1 Germany Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis, 2020-2029 15.2 Germany Buy Now Pay Later Service – Average Value Per Transaction Trend Analysis, 2020-2029 15.3 Germany Buy Now Pay Later Service – Transaction Volume Trend Analysis, 2020-2029 16 Germany Buy Now Pay Later in Automotive: Market Size and Forecast, 2020-2029 16.1 Germany Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis, 2020-2029 16.2 Germany Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis, 2020-2029 16.3 Germany Buy Now Pay Later Automotive – Transaction Volume Trend Analysis, 2020-2029 17 Germany Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2020-2029 17.1 Germany Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis, 2020-2029 17.2 Germany Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis, 2020-2029 17.3 Germany Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis, 2020-2029 18 Germany Buy Now Pay Later in Others: Market Size and Forecast, 2020-2029 18.1 Germany Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis, 2020-2029 18.2 Germany Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis, 2020-2029 18.3 Germany Buy Now Pay Later Others – Transaction Volume Trend Analysis, 2020-2029 19 Germany Buy Now Pay Later Analysis by Consumer Attitude and Behaviour, 2020-2029 19.1 Buy Now Pay Later Spend Share by Age Group, 2023 19.1.1 Germany Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis, 2020-2029 19.1.2 Germany Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis, 2020-2029 19.1.3 Germany Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis, 2020-2029 19.1.4 Germany Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis, 2020-2029 19.2 Buy Now Pay Later Spend Share by Default Rate by Age Group, 2023 19.3 Buy Now Pay Later Share by Income, 2023 19.3.1 Germany Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis, 2020-2029 19.3.2 Germany Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis, 2020-2029 19.3.3 Germany Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis, 2020-2029 19.4 Buy Now Pay Later Gross Merchandise Value Share by Gender, 2023 19.5 Buy Now Pay Later Adoption Rationale, 2023 19.6 Germany Buy Now Pay Later Market – Spend by Average Monthly Expense Segments, 2023 20 Further Reading 20.1 About PayNXT360 20.2 Related Research
Table 1: Germany Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 2: Germany Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Table 3: Germany Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2020-2029 Table 4: Germany Buy Now Pay Later – Revenues (US$ Million), 2020-2029 Table 5: Germany Buy Now Pay Later – Merchant Commission (US$ Million), 2020-2029 Table 6: Germany Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2020-2029 Table 7: Germany Buy Now Pay Later Pay Now – Other Income (US$ Million), 2020-2029 Table 8: Germany Buy Now Pay Later – Active Consumer Base (Thousand), 2020-2029 Table 9: Germany Buy Now Pay Later – Bad Debt (US$ Million), 2022-2024-2029 Table 10: Germany Buy Now Pay Later – Two-Party Business Model (US$ Million), 2020-2029 Table 11: Germany Buy Now Pay Later – Three-Party Business Model (US$ Million), 2020-2029 Table 12: Germany Buy Now Pay Later – Convenience (US$ Million), 2020-2029 Table 13: Germany Buy Now Pay Later – Credit (US$ Million), 2020-2029 Table 14: Germany Buy Now Pay Later – Open Loop System (US$ Million), 2020-2029 Table 15: Germany Buy Now Pay Later – Closed Loop System (US$ Million), 2020-2029 Table 16: Germany Buy Now Pay Later – Standalone (US$ Million), 2020-2029 Table 17: Germany Buy Now Pay Later – Banks & Payment Service Providers (US$ Million), 2020-2029 Table 18: Germany Buy Now Pay Later – Marketplaces (US$ Million), 2020-2029 Table 19: Germany Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2020-2029 Table 20: Germany Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2020-2029 Table 21: Germany Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 22: Germany Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Table 23: Germany Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2020-2029 Table 24: Germany Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 25: Germany Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 26: Germany Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 27: Germany Buy Now Pay Later Retail Shopping - Jewellery – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 28: Germany Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 29: Germany Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 30: Germany Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 31: Germany Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 32: Germany Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Table 33: Germany Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Thousand), 2020-2029 Table 34: Germany Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 35: Germany Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Table 36: Germany Buy Now Pay Later Travel – Transaction Volume Trend Analysis (Thousand), 2020-2029 Table 37: Germany Buy Now Pay Later Media and Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 38: Germany Buy Now Pay Later Media and Entertainment – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Table 39: Germany Buy Now Pay Later Media and Entertainment – Transaction Volume Trend Analysis (Thousand), 2020-2029 Table 40: Germany Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 41: Germany Buy Now Pay Later Service– Average Value Per Transaction Trend Analysis (US$), 2020-2029 Table 42: Germany Buy Now Pay Later Service – Transaction Volume Trend Analysis (Thousand), 2020-2029 Table 43: Germany Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 44: Germany Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Table 45: Germany Buy Now Pay Later Automotive – Transaction Volume Trend Analysis (Thousand), 2020-2029 Table 46: Germany Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 47: Germany Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Table 48: Germany Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2020-2029 Table 49: Germany Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 50: Germany Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Table 51: Germany Buy Now Pay Later Others – Transaction Volume Trend Analysis (Thousand), 2020-2029 Table 52: Germany Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 53: Germany Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 54: Germany Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 55: Germany Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 56: Germany Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 57: Germany Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Table 58: Germany Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029
Figure 1: PayNXT360’s Methodology Framework Figure 2: Germany Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 3: Germany Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Figure 4: Germany Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2020-2029 Figure 5: Germany Buy Now Pay Later – Market Share Analysis by Key Players (by Value), 2023 Figure 6: Germany Buy Now Pay Later – Revenues (US$ Million), 2020-2029 Figure 7: Buy Now Pay Later Share - Revenue Segments (%), 2020-2029 Figure 8: Germany Buy Now Pay Later – Merchant Commission (US$ Million), 2020-2029 Figure 9: Germany Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2020-2029 Figure 10: Germany Buy Now Pay Later Pay Now – Other Income (US$ Million), 2020-2029 Figure 11: Germany Buy Now Pay Later – Active Consumer Base (Thousand), 2020-2029 Figure 12: Germany Buy Now Pay Later – Bad Debt (US$ Million), 2020-2024-2029 Figure 13: Germany Buy Now Pay Later Spend Analysis by Business Model (%), 2020-2029 Figure 14: Germany Buy Now Pay Later – Two-Party Business Model (US$ Million), 2020-2029 Figure 15: Germany Buy Now Pay Later – Three-Party Business Model (US$ Million), 2020-2029 Figure 16: Germany Buy Now Pay Later Spend Analysis by Purpose (%), 2020-2029 Figure 17: Germany Buy Now Pay Later – Convenience (US$ Million), 2020-2029 Figure 18: Germany Buy Now Pay Later – Credit (US$ Million), 2020-2029 Figure 19: Germany Buy Now Pay Later Spend Analysis by Functional Attribute (%), 2020-2029 Figure 20: Germany Buy Now Pay Later – Open Loop System (US$ Million), 2020-2029 Figure 21: Germany Buy Now Pay Later – Closed Loop System (US$ Million), 2020-2029 Figure 22: Germany Buy Now Pay Later Spend Analysis by Distribution Model (%), 2020-2029 Figure 23: Germany Buy Now Pay Later – Standalone (US$ Million), 2020-2029 Figure 24: Germany Buy Now Pay Later – Banks & Payment Service Providers (US$ Million), 2020-2029 Figure 25: Germany Buy Now Pay Later – Marketplaces (US$ Million), 2020-2029 Figure 26: Germany Buy Now Pay Later – Gross Merchandise Value Market Share by Sales Channel (%), 2020-2029 Figure 27: Germany Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2020-2029 Figure 28: Germany Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2020-2029 Figure 29: Germany Buy Now Pay Later – Market Share by End-Use Sector (%), 2023 Figure 30: Germany Buy Now Pay Later – Market Share by End-Use Segment (%), 2023 Figure 31: Germany Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 32: Germany Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Figure 33: Germany Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2020-2029 Figure 34: Germany Buy Now Pay Later – Market Share by Retail Product Category (%), 2023 Figure 35: Germany Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 36: Germany Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 37: Germany Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 38: Germany Buy Now Pay Later Retail Shopping - Jewellery– Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 39: Germany Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 40: Germany Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 41: Germany Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 42: Germany Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 43: Germany Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Figure 44: Germany Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Thousand), 2020-2029 Figure 45: Germany Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 46: Germany Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Figure 47: Germany Buy Now Pay Later Travel – Transaction Volume Trend Analysis (Thousand), 2020-2029 Figure 48: Germany Buy Now Pay Later Media and Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 49: Germany Buy Now Pay Later Media and Entertainment – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Figure 50: Germany Buy Now Pay Later Media and Entertainment – Transaction Volume Trend Analysis (Thousand), 2020-2029 Figure 51: Germany Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 52: Germany Buy Now Pay Later Service – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Figure 53: Germany Buy Now Pay Later Service – Transaction Volume Trend Analysis (Thousand), 2020-2029 Figure 54: Germany Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 55: Germany Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Figure 56: Germany Buy Now Pay Later Automotive – Transaction Volume Trend Analysis (Thousand), 2020-2029 Figure 57: Germany Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 58: Germany Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Figure 59: Germany Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2020-2029 Figure 60: Germany Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 61: Germany Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis (US$), 2020-2029 Figure 62: Germany Buy Now Pay Later Others – Transaction Volume Trend Analysis (Thousand), 2020-2029 Figure 63: Germany Buy Now Pay Later – Share by Age Group in Value Terms (%), 2023 Figure 64: Germany Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 65: Germany Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 66: Germany Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 67: Germany Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 68: Germany Buy Now Pay Later – Share by Default Rate by Age Group in Value Terms (%), 2023 Figure 69: Germany Buy Now Pay Later – Share by Income Group in Value Terms (%), 2023 Figure 70: Germany Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 71: Germany Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 72: Germany Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis (US$ Million), 2020-2029 Figure 73: Germany Buy Now Pay Later – Share by Gender in Value Terms (%), 2023 Figure 74: Buy Now Pay Later – Adoption Rationale by Value, 2023 Figure 75: Germany Buy Now Pay Later – Average Monthly Expense Segments, 2023
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