The BNPL payment industry in Germany has recorded strong growth over the last four quarters, supported by increased ecommerce penetration. According to PayNXT360, BNPL payments in the country are exp...
The BNPL payment industry in Germany has recorded strong growth over the last four quarters, supported by increased ecommerce penetration. According to PayNXT360, BNPL payments in the country are expected to grow by 19.4% on an annual basis to reach US$59,492.6 million in 2023. 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 10.6% during 2023-2028. The BNPL Gross Merchandise Value in the country will increase from US$49,842.8 million in 2022 to reach US$98,393.3 million by 2028. In Germany, buy now pay later has gained increasing prominence among millennials and Gen Z consumers as a budgeting tool. The accelerated adoption among Germans has been driven due to the availability of high-speed internet connectivity, the rise in awareness about flexible payment services, and the global pandemic outbreak. The percentage of young generation consumers in the region is further expected to create growth opportunities for the market in Germany. The rising e-commerce industry is also projected to drive market growth over the next five years. While the demand among consumers is expected to further grow due to the surging cost of living, the interest rate environment is also expected to drive the short-term credit demand among small and medium-sized businesses. All of these factors, combined, are expected to support the growth of the German BNPL industry from the short to medium-term perspective. BNPL lenders have spotted a new growth market in small and medium-sized businesses in Germany Low level of investor confidence, surging interest rates, and multi-year high inflation are among the various factors that have continued to make things tough for small and medium-sized businesses in 2022. Amid the economic uncertainty, BNPL lenders have spotted a new growth market in the B2B payments space. Small, especially new businesses, are often in need of huge upfront investments to get their business off the ground. As the current financial landscape has made it difficult for them to get funding from conventional channels, these businesses are turning to B2B BNPL providers in Germany. Many payment providers have extended their BNPL business model into the B2B space. Firms such as Mondu and Billie, both German-based, are now offering BNPL solutions to both consumers as well as small and medium-sized businesses. With small businesses expected to face severe headwinds in 2023 due to the macroeconomic environment, PayNXT360 expects the demand for B2B BNPL to further grow significantly over the next few quarters in Germany. This will keep assisting the overall BNPL market growth over the next three to four years. Germany-based BNPL providers are forging strategic alliances with payment providers to expand their merchant network Having an expanding network of merchants, offline and online, allows BNPL providers to tap into more consumer spending, thereby increasing their gross merchandise value and market share. • In October 2022, Ratepay, one of the leading consumer-focused BNPL providers in Germany, announced that the firm had entered into a strategic collaboration with Easy e-commerce payment solution. The collaboration enables merchants associated with Easy e-commerce payment solutions in Austria to offer BNPL payment options to shoppers. While this partnership will drive incremental revenue for merchants in Austria, Ratepay will expand its retailer network in the region, while also driving its gross merchandise value and volume over the next three to four years. B2B BNPL firms continue to raise fresh capital from investors to drive growth and expand globally Venture capital and private equity firms project the B2B payments market as one of the growth areas amid the current macroeconomic environment, especially in the BNPL segment, where the payment model has gained increasing momentum over the last 12 months. With the B2B BNPL segment expected to record strong growth, firms are raising multi-million-dollar investments. For instance, • In October 2022, Mondu, one of the leading B2B BNPL providers in Germany, announced that the firm had raised €20 million in a funding round, which was led by German bank Vereinigte Volksbank Raiffeisenbank. The funding round comes after Mondu raised €39.9 million in May 2022. The May 2022 funding round was led by Valar Ventures and included participation from Zalando, SumUp, Cherry Ventures, FinTech Collective, and angel investors from Klarna. The firm is planning to use the fresh capital for expanding its global footprint, while also investing in new feature development and scaling the team. With the B2B BNPL demand projected to increase significantly in 2023, amid the economic uncertainty, PayNXT360 expects B2B BNPL providers to raise more such funding rounds from the short to medium-term perspective in Germany. Furthermore, the increase in demand is expected to further drive the competitive landscape, with new payment providers expected to enter the B2B BNPL segment. This report provides a detailed data centric analysis of Buy Now Pay Later (BNPL) industry, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics. It breaks down market opportunity by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spend dynamics in Germany. KPIs in both value and volume term help in getting 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 on emerging business and investment market opportunities.
This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Germany through 57 tables and 71 charts. Below is a summary of key market segments: Germany BNPL Market Size and Spending Pattern, 2019-2028 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Germany Buy Now Pay Later Revenue Analysis, 2019-2028 • 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, 2019-2028 • Buy Now Pay Later Active Consumer Base • Buy Now Pay Later Bad Debt Germany BNPL by Purpose, 2019-2028 • Convenience – Short Term Loans • Credit – Loan Term Loans Germany BNPL by Business Model, 2019-2028 • Two-Party (BNPL offered by retailers) • Three-Party BNPL Offering Germany BNPL by Merchant Ecosystem, 2019-2028 • Open Loop System • Closed Loop System Germany BNPL by Distribution Model Analysis, 2019-2028 • Standalone • Banks & Payment Service Providers • Marketplaces Germany Buy Now Pay Later Market Share Analysis by Key Players Germany BNPL Analysis by Channel, 2019-2028 • Online Channel • POS Channel Germany Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019-2028 • 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, 2019-2028 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Germany Buy Now Pay Later in Travel/Entertainment: Market Size and Forecast, 2019-2028 • 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, 2019-2028 • 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, 2019-2028 • 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, 2019-2028 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Germany Buy Now Pay Later in Groceries: 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
• Get a comprehensive understanding of market dynamics for Buy Now Pay Later: Identify market opportunities, major trends, and forecasting (2019-2028). Understand market trends through crucial KPIs like Gross Merchandise Value, Volume, and Average Value per Transaction, to stay ahead of the curve. • Insights by end-use sectors: Evaluate new opportunities across multiple end-use sectors, and obtain market dynamics by end-use sectors in order to swiftly catch up with the latest and upcoming developments in BNPL markets. • Market-specific strategies: Identify growth segments focused on specific opportunities, and analysing market-specific risks and important trends in the BNPL sector with our exclusive blend of quantitative forecasting and innovative insights. • Gain knowledge of consumer attitudes and actions: This report identifies and interprets important Buy Now Pay Later KPIs, such as spend by age, gender, and income level, using data from a proprietary survey. • Develop proactive and lucrative business strategies through market intelligence and forward-looking analysis of BNPL market spend and major opportunities 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, 2019-2028 2.2 Germany Buy Now Pay Later - Average Value Per Transaction Trend Analysis, 2019-2028 2.3 Germany Buy Now Pay Later - Transaction Volume Trend Analysis, 2019-2028 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, 2019 - 2028 3.2 Buy Now Pay Later Share by Revenue Segments 3.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2019 - 2028 3.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2019 - 2028 3.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2019 - 2028 3.3 Buy Now Pay Later Active Consumer Base, 2019 - 2028 3.4 Buy Now Pay Later Bad Debt, 2020 - 2024 - 2028 4 Buy Now Pay Later Spend Analysis by Business Model, 2022 vs 2028 4.1 Buy Now Pay Later Two party, 2019 - 2028 4.2 Buy Now Pay Later Third party, 2019 - 2028 5 Buy Now Pay Later Spend Analysis by Purpose, 2022 vs 2028 5.1 Buy Now Pay Later Convenience, 2019 - 2028 5.2 Buy Now Pay Later Credit, 2019 - 2028 6 Buy Now Pay Later Spend Analysis by Merchant ecosystem, 2022 vs 2028 6.1 Buy Now Pay Later by Open loop system, 2019 - 2028 6.2 Buy Now Pay Later by Closed loop system, 2019 - 2028 7 Buy Now Pay Later Spend Analysis by Distribution Model, 2022 vs 2028 7.1 Buy Now Pay Later by Standalone, 2019 - 2028 7.2 Buy Now Pay Later by Banks & Payment Service Providers, 2019 - 2028 7.3 Buy Now Pay Later by Marketplaces, 2019 - 2028 8 Germany Buy Now Pay Later Spend Analysis by Channel 8.1 Buy Now Pay Later Market Share by Channel, 2019 - 2028 8.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2019 - 2028 8.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2019 - 2028 9 Germany Buy Now Pay Later Snapshot by End-Use Sector 9.1 Buy Now Pay Later Market Share by End-Use Sector - Emerging Avenues and Future Growth Prospects 9.2 Buy Now Pay Later Sales Uplift by End-Use Segment 9.3 Buy Now Pay Later Share by Retail Product Category 9.4 Germany Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis, 2019-2028 9.5 Germany Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis, 2019-2028 9.6 Germany Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis, 2019-2028 9.7 Germany Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis, 2019-2028 9.8 Germany Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis, 2019-2028 9.9 Germany Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis, 2019-2028 9.10 Germany Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis, 2019-2028 10 Germany Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019 - 2028 10.1 Germany Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis, 2019-2028 10.2 Germany Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis, 2019-2028 10.3 Germany Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis, 2019-2028 11 Germany Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019 - 2028 11.1 Germany Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis, 2019-2028 11.2 Germany Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis, 2019-2028 11.3 Germany Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis, 2019-2028 12 Germany Buy Now Pay Later in Travel/Entertainment: Market Size and Forecast, 2019 - 2028 12.1 Germany Buy Now Pay Later Travel/Entertainment - Gross Merchandise Value Trend Analysis, 2019-2028 12.2 Germany Buy Now Pay Later Travel/Entertainment - Average Value Per Transaction Trend Analysis, 2019-2028 12.3 Germany Buy Now Pay Later Travel/Entertainment - Transaction Volume Trend Analysis, 2019-2028 13 Germany Buy Now Pay Later in Service: Market Size and Forecast, 2019 - 2028 13.1 Germany Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis, 2019-2028 13.2 Germany Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis, 2019-2028 13.3 Germany Buy Now Pay Later Service - Transaction Volume Trend Analysis, 2019-2028 14 Germany Buy Now Pay Later in Automotive: Market Size and Forecast, 2019 - 2028 14.1 Germany Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis, 2019-2028 14.2 Germany Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis, 2019-2028 14.3 Germany Buy Now Pay Later Automotive - Transaction Volume Trend Analysis, 2019-2028 15 Germany Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019 - 2028 15.1 Germany Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis, 2019-2028 15.2 Germany Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis, 2019-2028 15.3 Germany Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis, 2019-2028 16 Germany Buy Now Pay Later in Groceries: Market Size and Forecast, 2019 - 2028 16.1 Germany Buy Now Pay Later Groceries - Gross Merchandise Value Trend Analysis, 2019-2028 16.2 Germany Buy Now Pay Later Groceries - Average Value Per Transaction Trend Analysis, 2019-2028 16.3 Germany Buy Now Pay Later Groceries - Transaction Volume Trend Analysis, 2019-2028 17 Germany Buy Now Pay Later Analysis by Consumer Attitude and Behaviour 17.1 Buy Now Pay Later Spend Share by Age Group 17.1.1 Germany Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2019-2028 17.1.2 Germany Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2019-2028 17.1.3 Germany Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis, 2019-2028 17.1.4 Germany Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis, 2019-2028 17.2 Buy Now Pay Later Share by Income 17.2.1 Germany Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis, 2019-2028 17.2.2 Germany Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis, 2019-2028 17.2.3 Germany Buy Now Pay Later by Income Level - Tire 3 - Gross Merchandise Value Trend Analysis, 2019-2028 17.3 Buy Now Pay Later Spend Share by Default Rate by Age Group 17.4 Buy Now Pay Later Gross Merchandise Value Share by Gender 17.5 Buy Now Pay Later Adoption Rationale 18 Further Reading 18.1 About PayNXT360 18.2 Related Research
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 - Active Consumer Base (Thousand), 2019-2028 Table 9: Germany Buy Now Pay Later - Bad Debt (US$ Million), 2020-2024-2028 Table 10: Germany Buy Now Pay Later - Two party (US$ Million), 2019-2028 Table 11: Germany Buy Now Pay Later - Third party (US$ Million), 2019-2028 Table 12: Germany Buy Now Pay Later - Convenience (US$ Million), 2019-2028 Table 13: Germany Buy Now Pay Later - Credit (US$ Million), 2019-2028 Table 14: Germany Buy Now Pay Later - Open loop system (US$ Million), 2019-2028 Table 15: Germany Buy Now Pay Later - Closed loop system (US$ Million), 2019-2028 Table 16: Germany Buy Now Pay Later - Standalone (US$ Million), 2019-2028 Table 17: Germany Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2019-2028 Table 18: Germany Buy Now Pay Later - Marketplaces (US$ Million), 2019-2028 Table 19: Germany Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2019-2028 Table 20: Germany Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2019-2028 Table 21: Germany Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 22: Germany Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 23: Germany Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 24: Germany Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 25: Germany Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 26: Germany Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 27: Germany Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 28: Germany Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 29: Germany Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 30: Germany Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 31: Germany Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 32: Germany Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 33: Germany Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 34: Germany Buy Now Pay Later Travel/Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 35: Germany Buy Now Pay Later Travel/Entertainment - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 36: Germany Buy Now Pay Later Travel/Entertainment - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 37: Germany Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 38: Germany Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 39: Germany Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 40: Germany Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 41: Germany Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 42: Germany Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 43: Germany Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 44: Germany Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 45: Germany Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 46: Germany Buy Now Pay Later Groceries - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 47: Germany Buy Now Pay Later Groceries - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 48: Germany Buy Now Pay Later Groceries - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 49: Germany Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 50: Germany Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 51: Germany Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 52: Germany Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 53: Germany Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 54: Germany Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 55: Germany Buy Now Pay Later by Income Level - Tire 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 1: PayNXT360's Methodology Framework Figure 2: Germany Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 3: Germany Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 4: Germany Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 5: Germany Buy Now Pay Later - Market Share Analysis by Key Players (by Value) Figure 6: Germany Buy Now Pay Later - Revenues (US$ Million), 2019-2028 Figure 7: Buy Now Pay Later Share by Revenue Segments (%) Figure 8: Germany Buy Now Pay Later - Merchant Commission (US$ Million), 2019-2028 Figure 9: Germany Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2019-2028 Figure 10: Germany Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028 Figure 11: Germany Buy Now Pay Later - Active Consumer Base (Thousand), 2019-2028 Figure 12: Germany Buy Now Pay Later - Bad Debt (US$ Million), 2020-2024-2028 Figure 13: Germany Buy Now Pay Later Spend Analysis by Business Model (%), 2022 vs 2028 Figure 14: Germany Buy Now Pay Later - Two party (US$ Million), 2019-2028 Figure 15: Germany Buy Now Pay Later - Third party (US$ Million), 2019-2028 Figure 16: Germany Buy Now Pay Later Spend Analysis by Purpose (%), 2022 vs 2028 Figure 17: Germany Buy Now Pay Later - Convenience (US$ Million), 2019-2028 Figure 18: Germany Buy Now Pay Later - Credit (US$ Million), 2019-2028 Figure 19: Germany Buy Now Pay Later Spend Analysis by Merchant Ecosystem (%), 2022 vs 2028 Figure 20: Germany Buy Now Pay Later - Open loop system (US$ Million), 2019-2028 Figure 21: Germany Buy Now Pay Later - Closed loop system (US$ Million), 2019-2028 Figure 22: Germany Buy Now Pay Later Spend Analysis by Distribution Model (%), 2022 vs 2028 Figure 23: Germany Buy Now Pay Later - Standalone (US$ Million), 2019-2028 Figure 24: Germany Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2019-2028 Figure 25: Germany Buy Now Pay Later - Marketplaces (US$ Million), 2019-2028 Figure 26: Germany Buy Now Pay Later - Gross Merchandise Value Market Share by Channel (%), 2019-2028 Figure 27: Germany Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2019-2028 Figure 28: Germany Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2019-2028 Figure 29: Germany Buy Now Pay Later - Market Share by End-Use Sector (%), 2021 Vs. 2028 Figure 30: Germany Buy Now Pay Later - Market Share by End-Use Segment (%), 2022 Figure 31: Germany Buy Now Pay Later - Market Share by Retail Product Category (%), 2022 Figure 32: Germany Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 33: Germany Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 34: Germany Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 35: Germany Buy Now Pay Later Retail Shopping - Jewellery- Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 36: Germany Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 37: Germany Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 38: Germany Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 39: Germany Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 40: Germany Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 41: Germany Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 42: Germany Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 43: Germany Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 44: Germany Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 45: Germany Buy Now Pay Later Travel/Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 46: Germany Buy Now Pay Later Travel/Entertainment - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 47: Germany Buy Now Pay Later Travel/Entertainment - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 48: Germany Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 49: Germany Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 50: Germany Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 51: Germany Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 52: Germany Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 53: Germany Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 54: Germany Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 55: Germany Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 56: Germany Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 57: Germany Buy Now Pay Later Groceries - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 58: Germany Buy Now Pay Later Groceries - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 59: Germany Buy Now Pay Later Groceries - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 60: Germany Buy Now Pay Later - Share by Age Group in Value Terms (%), 2022 Figure 61: Germany Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 62: Germany Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 63: Germany Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 64: Germany Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 65: Germany Buy Now Pay Later - Share by Income Group in Value Terms (%), 2022 Figure 66: Germany Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 67: Germany Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 68: Germany Buy Now Pay Later by Income Level - Tire 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 69: Germany Buy Now Pay Later - Share by Default Rate by Age Group in Value Terms (%), 2022 Figure 70: Germany Buy Now Pay Later - Share by Gender in Value Terms (%), 2022 Figure 71: Buy Now Pay Later - Adoption Rationale by Value, 2022
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