The use of new app-based payment offers is also reduced by classic means such as cash, zirocard, credit card or transfer. However, they are already quite widespread. It emerges since the Wiizbam Report 2025 published on Tuesday, for which researchers have raised questions of first financial participation for the German -speaking population of 16 years and above in Germany.
86 percent of the participants said that they had paid for business cards like Girocard in the last 12 months. 73 percent transferred through online banking, paying 63 percent in business or with credit cards on the Internet.
Online payment service lies according to the use of peppers Berlin Vizenbam Institute report 62 percent with credit cards is almost equal and clearly before payment of sofbervesung and sepa. Such services accessible to checking account are used by 56 percent of the Germans.
Apple Pay, Google Pay and Samsung Pay are still the lowest used payment services. Only 21 percent said that he claimed in 2024. 16- to 34-year-old children use these smartphone-based services, the most often with 39 percent, 64-year children. It is only ten percent.
A large slope in the use of payment offers is shown between different income groups. With apps of Apple, Google and Samsung, the digital split is relatively the largest: only 13 percent of people are people with low -grossing states to use these services. In contrast, 38 percent of high -income citizens take out cell phones in the cash register. In addition, 92 percent of high -income online banking for transfer is used, but only 56 percent of the low -income people are people.
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The situation is similar with credit card payment. These acts surveyed 84 percent of people with high, but only 42 percent with low income. There are also differences between sexes: women use online banking (67 vs. 77 percent), credit card (57 vs. 68 percent) and PayPal (56 vs 67 percent) much less frequently than men. Along with Girocard and other debit cards, however, there is hardly any deviation.
According to the findings, the risk of over-regulation also increases through the use of digital payment services such as Clarna and other “Buy, Pay later” Off, especially between young and low-or-a-ie groups. according to a Current Shufa survey Each third user has already recalled the payment period of such small loans. For children aged 18 to 39, the ratio of respondents with delay in payment for BNPL procurement is about 47.5 percent more than the elderly.
“Real freedom of choice” vs glass customer
The black and red alliance employed in the federal government is committed to ensure that at least one digital payment option should also be offered in everyday shops besides cash. Half of the Germans feels like one like one Representative survey of the institute for demoscopy On behalf of the German Payment System (IDZ) initiative. When choosing the payment option in business and gastronomy, still need to improve.
Almost every third (31 percent) in Germany is angry according to the Elanceback study if the sales outlets only accept cash. 16- “Cash only” from children from 29 years old goes so far to reject business. 76 percent of citizens say giRocard published by IDZ as a means of payment, which they will probably use the most in five years – cash will follow a clear distance (53 percent). Mobile payment especially prevails among young consumers: when it comes to the question of tomorrow’s payment method, a digital gearocard in smartphone or smartwatch in this group.
IDZ CEO Ingo Limburgh is therefore praised the federal government of the future that “enable the real freedom of choice when paying and finally promote digitization within the payment infrastructure.” If you pay with a card or smartphone app, you leave wide, easily evaluable data marks. Ramona Pop, director of the Federal Association of Consumer Centers (VZBV), broke a lance for conservation of cash despite digitization in 2023.
(VBR)
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