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ドイツ今すぐお金を払うビジネスと投資機会データブック BNPL市場規模、エンドユーザー部門、市場シェア、製品分析、ビジネスモデル、人口統計に関する75以上のKPI - 2023年第2四半期最新版


Germany Buy Now Pay Later Business and Investment Opportunities Databook 75+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q2 2023 Update

PayNXT360によると、ドイツにおけるBNPL決済は年率17.1%成長し、2023年には613億米ドルに達すると予想されている。 ドイツにおけるBNPL業界の中長期的な成長ストーリーは依然として力強い。BNPL決済の導入は... もっと見る

 

 

出版社 出版年月 電子版価格 ページ数 言語
PayNXT360
ペイネクスト360
2023年8月25日 US$1,900
シングルユーザライセンス
ライセンス・価格情報・注文方法はこちら
87 英語

 

サマリー

PayNXT360によると、ドイツにおけるBNPL決済は年率17.1%成長し、2023年には613億米ドルに達すると予想されている。

ドイツにおけるBNPL業界の中長期的な成長ストーリーは依然として力強い。BNPL決済の導入は予測期間中に着実に成長し、2023-2028年のCAGRは10.6%を記録すると予想される。ドイツのBNPL商品総額は2022年の523億米ドルから増加し、2028年には1013億米ドルに達する。

ドイツのBNPL決済産業は、eコマースの普及率上昇に支えられ、過去4四半期に力強い成長を記録している。

ドイツでは、buy now pay later がミレニアル世代と Z 世代の消費者の間で予算管理ツールとして注目されている。ドイツ人の間で導入が加速している背景には、高速インターネット接続の利用可能性、柔軟な決済サービスに対する意識の高まり、世界的なパンデミックの流行がある。同地域における若い世代の消費者の割合は、ドイツ市場に成長機会をもたらすと期待されている。

eコマース産業の台頭も、今後5年間の市場成長を促進すると予測される。生活費の高騰により消費者の需要はさらに伸びると予想される一方、金利環境が中小企業の短期信用需要を促進するとも予想される。これらすべての要因が相まって、短中期的な観点からドイツのBNPL業界の成長を支えるものと予想される。

BNPLレンダーはドイツの中小企業に新たな成長市場を見出した

投資家心理の低迷、金利の高騰、数年来の高インフレなど、2022年の中小企業にとって厳しい状況が続いている。経済が不透明な中、BNPLの金融機関はB2B決済分野に新たな成長市場を見出した。

中小企業、特に新規事業は、事業を軌道に乗せるために莫大な先行投資を必要とすることが多い。現在の金融情勢では、従来のチャネルから資金を調達することが難しくなっているため、こうした企業はドイツのB2B BNPLプロバイダーを利用するようになっている。多くの決済プロバイダーが、BNPLのビジネスモデルをB2Bの領域に拡大している。ドイツを拠点とするMonduやBillieといった企業は現在、消費者だけでなく中小企業にもBNPLソリューションを提供している。

2023年にはマクロ経済環境の影響で中小企業が厳しい逆風に直面することが予想されるため、PayNXT360は、ドイツでは今後数四半期にわたってB2B BNPLの需要がさらに大きく伸びると予想している。これにより、今後3~4年間はBNPL市場全体の成長を支援し続けるだろう。

ドイツを拠点とするBNPLプロバイダーは、決済プロバイダーと戦略的提携を結び、加盟店ネットワークを拡大している。

オフラインとオンラインを問わず加盟店ネットワークを拡大することで、BNPLプロバイダーはより多くの消費者支出を獲得し、商品総額と市場シェアを拡大することができる。

- 2022年10月、ドイツの大手消費者向けBNPLプロバイダーの1つであるRatepayは、Easy eコマース決済ソリューションと戦略的提携を結んだと発表した。この提携により、オーストリアのEasy eコマース決済ソリューションに関連する加盟店は、買い物客にBNPL決済オプションを提供できるようになる。
この提携により、オーストリアの加盟店の収益が増加する一方、Ratepayは今後3~4年間で、同地域の小売店ネットワークを拡大し、商品総額と取扱高を増加させることになる。

B2B BNPL企業は、成長を促進しグローバルに拡大するために、投資家から新たな資本を調達し続けている。

ベンチャーキャピタルやプライベートエクイティ企業は、現在のマクロ経済環境の中で、B2B決済市場を成長分野の1つとして予測しており、特にBNPLセグメントでは、過去1年間で決済モデルの勢いが増している。B2BのBNPL分野は力強い成長が見込まれており、企業は数百万ドル規模の投資を募っている。例えば
- 2022年10月、ドイツの大手B2B BNPLプロバイダーの1つであるMonduは、ドイツの銀行Vereinigte Volksbank Raiffeisenbankが主導した資金調達ラウンドで2000万ユーロを調達したと発表した。この資金調達ラウンドは、Monduが2022年5月に3990万ユーロを調達した後に行われた。2022年5月の資金調達ラウンドはValar Venturesが主導し、Zalando、SumUp、Cherry Ventures、FinTech Collective、Klarnaのエンジェル投資家が参加した。同社は、この新たな資金をグローバルな事業展開に充てるとともに、新機能の開発やチームの規模拡大に投資する予定だ。

経済が不透明な中、2023年にはB2B BNPLの需要が大幅に増加すると予測されることから、PayNXT360は、B2B BNPLプロバイダーがドイツで短・中期的な観点からこのような資金調達ラウンドを増やすと予想している。さらに、新たな決済プロバイダーがB2B BNPLセグメントに参入する見込みであり、需要の増加は競争環境をさらに促進すると予想される。

本レポートは、Buy Now Pay Later (BNPL)業界の詳細なデータ中心の分析を提供し、様々な小売カテゴリーにおける市場機会とリスクを網羅しています。国別に75以上のKPIを掲載し、BNPL市場のダイナミクス、市場規模および予測、市場シェア統計を包括的に把握することができます。

ビジネスモデルのタイプ、販売チャネル(オフラインとオンライン)、流通モデル別に市場機会を分類しています。さらに、ドイツにおける消費者行動と小売支出動向のスナップショットも提供しています。金額と数量の両方のKPIは、最終市場のダイナミクスを深く理解するのに役立ちます。

PayNXT360の調査手法は業界のベストプラクティスに基づいています。独自の分析プラットフォームを活用した偏りのない分析により、新たなビジネスチャンスや投資市場に関する詳細な見解を提供します。


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目次

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

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図表リスト

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

 

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Summary

According to PayNXT360, BNPL payments in the Germany are expected to grow by 17.1% on an annual basis to reach US$61.3 billion 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 Germany will increase from US$52.3 billion in 2022 to reach US$101.3 billion by 2028.

The BNPL payment industry in Germany has recorded strong growth over the last four quarters, supported by increased ecommerce penetration.

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.



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Table of Contents

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

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List of Tables/Graphs

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

 

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