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Germany Buy Now Pay Later Databook 2024: Germany-Based Fintech Firms are Entering the Market with BNPL Product Launches

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DUBLIN, Feb. 14, 2024 /PRNewswire/ — The “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 – Q1 2024 Update” report has been added to  ResearchAndMarkets.com’s offering.

BNPL payments in Germany are expected to grow by 14.4% on an annual basis to reach US$70.07 billion in 2024. The medium to long-term growth story of the BNPL industry in Germany remains strong. BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 9.3% during 2024-2029. The BNPL gross merchandise value in Germany will increase from US$61.27 billion in 2023 to reach US$109.28 billion 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. 

To tap into the high-growth market, new players also entered the industry in 2023. Going forward, more firms are expected to launch their innovative products to cater to the growing demand among Germans. This will drive the competitive landscape and support innovation in the sector. Overall, there is a robust growth outlook for the BNPL industry over the next three to four years in Germany.

The buy now pay later sector is growing at a strong rate amid higher adoption in the German market

With rising interest rates and inflationary pressure, consumers are flocking towards flexible payment solutions like BNPL at an accelerated pace in Germany. According to a report from Schufa, the German credit rating agency, there has been a 30% increase in BNPL usage in 12 months. The adoption, specifically, is much higher among young generation shoppers in Germany.

In 2024, the adoption of BNPL loans is expected to further increase in the German market, due to a persistent decline in disposable income amid a higher inflationary environment. This trend will support the growth of the industry over the medium term.

Germany-based fintech firms are entering the market with their BNPL product launches

With the industry projected to record strong growth over the next three to four years, more and more fintech firms are seeking to tap into the growth opportunity. These firms are launching their products, while also driving the competitive landscape in the sector.

Unzer, known for its payment and commerce solutions, launched a new buy now pay later product upaylater in 2023. This product combines invoice, installment payment options, and direct debit into a single interface, making it more convenient for merchants to offer BNPL services that customers are increasingly asking for. Unzer has a decade-long history of providing basic invoice, installment, and guaranteed direct debit payment methods, and now it aims to further expand its presence in the BNPL market.

More such fintech firms are expected to launch their innovative BNPL product offerings in the German market, subsequently driving the competitive landscape and market growth over the next three to four years.

To save consumers from BNPL debt traps, e-commerce providers are partnering with startups to launch a save now pay later service in Germany

The adoption has been growing at a rapid rate among young generation consumers, which in turn, is also driving the problem of delinquencies and debt trap. Consequently, to drive responsible consumption, e-commerce providers are forging strategic partnerships with innovative startups to launch save now pay later products in the market.

The widening distribution of save now pay later products, through strategic collaborations, can dampen the growth of the buy now pay later industry in the German market over the medium term.

Report Scope

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.

Below is a summary of key market segments:

Germany BNPL Market Size and Spending Pattern, 2020-2029Germany Buy Now Pay Later Revenue Analysis, 2020-2029Germany Buy Now Pay Later Operational KPIs & Statistics, 2020-2029Germany BNPL by Purpose, 2020-2029Germany BNPL by Business Model, 2020-2029Germany BNPL by Merchant Ecosystem, 2020-2029Germany BNPL by Distribution Model Analysis, 2020-2029Germany Buy Now Pay Later Market Share Analysis by Key PlayersGermany BNPL Analysis by Channel, 2020-2029Germany Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2020-2029Germany Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2020-2029Germany Buy Now Pay Later in Travel: Market Size and Forecast, 2020-2029Germany Buy Now Pay Later in Media and Entertainment: Market Size and Forecast, 2020-2029Germany Buy Now Pay Later in Services: Market Size and Forecast, 2020-2029Germany Buy Now Pay Later in Automotive: Market Size and Forecast, 2020-2029Germany Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2020-2029Germany Buy Now Pay Later in Others: Market Size and ForecastGermany Buy Now Pay Later Analysis by Consumer Attitude and Behaviour

For more information about this report visit https://www.researchandmarkets.com/r/33215t

About ResearchAndMarkets.com
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SOURCE Research and Markets

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Alethios Unveils a Comprehensive Decentralized Data Collection Suite for Human Health Research

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Live, no-code integrations let researchers combine participant-reported outcomes, wearables and sensors, AI-powered digital biomarkers, and at-home lab tests in a single study at a fraction of the cost of traditional research.

SAN FRANCISCO, Oct. 22, 2026 /PRNewswire/ — Alethios, the software platform delivering research infrastructure for human health, today launched a comprehensive suite of decentralized data collection tools. Researchers can now combine participant-reported outcomes, wearable and sensor data, digital biomarkers, and at-home biomarker testing in a single study, without writing code, managing multiple vendors, or requiring clinic visits.

Alethios powers studies across nutraceuticals, functional foods, academia, consumer health, medical devices, biotech, and the life sciences. Study designs range from consumer perception studies to pivotal, randomized, double-blind, placebo-controlled trials all run on the same software platform. Customers  including Givaudan, Thorne, PLT Health Solutions, Applied Food Sciences, Hofseth BioCare, Helaina, Samphire Neuroscience, and Sonoran University use the platform to generate rigorous evidence from participants’ homes. The new integrations build on the company’s founding belief that rigorous, multimodal research should be within reach for teams of every size and budget, across the human health ecosystem.

The suite spans four layers of data, each available as a no-code integration within the Alethios Study Planner and Study Operator:

Reported data: participant-submitted photo, video, audio, and text, plus a library of clinically validated instruments, both publicly available and licensed.Generated health data: personal wearables and health platforms including Apple Watch, Google Health, Garmin, Oura, Whoop, and Fitbit, and sensors including Abbott’s continuous glucose monitors and Withings and InBody bioimpedance scales.Digital biomarkers: validated cognitive batteries powered by BrainHQ, skin health selfies for dermatology and cosmetic studies powered by Haut.ai, and 3D body composition scans powered by Prism Labs.At-home biomarker testing: dried blood spot cards, Tasso blood collection devices, and at-home microbiome kits. Standard panels, including male and female hormones, cardiovascular, metabolic, inflammation, vitamin D, and hydration, run through Choose Health. Next-generation tests include epigenetic clocks from Muhdo and TruDiagnostic, and gut and vaginal microbiome sequencing from GutID and other shotgun metagenomic sequencing partners.

Adding a data type takes a few clicks. In the Study Planner, researchers select the data types their study needs and place each one on the participant schedule. For at-home kits, Alethios can handle ordering, shipping, and unique ID verification to keep every sample matched with the right participant, and results flow back into the platform. Once a study is live, the Study Operator brings every data stream into one real-time monitoring dashboard.

Compliant Data Collection by Default

Every integration runs on the platform’s existing infrastructure, where validation and data integrity assurances are built in and each one is designed to encourage participant adherence without compromising data quality. Researchers can:

Schedule each integration on the study timeline, so every data point is accurately time-stamped.Tie completion and compliance to milestone-based tracking and compensation, for example releasing a $50 gift card once a participant’s kit is accessioned at the lab.Monitor adherence across multiple data types in real-time from the Study Operator, so missed wearable syncs, late surveys, or unreturned kits are caught before they turn into missing data.

Every data point is cleaned and aligned to its participant automatically, so research teams receive one analysis-ready dataset rather than stitching together exports from multiple vendors.

“We built Alethios for researchers across human health,” said Zeenia Framroze, Founder and CEO of Alethios. “There are so many new ways to collect data at home, and we want to give research teams the best of them, wherever they sit. Whether someone is designing a claims substantiation study for a supplement or running post-marketing surveillance for a drug, we want to make it easy to collect robust subjective and objective data from Alethiad participants around the nation. The better and more accessible data collection is, the more we move the needle on our understanding of all of human health.”

A Home for Next-Generation Health Measurement

“So many novel devices and at-home tests are being developed today,” said Gurpreet Atwal, CTO of Alethios. “We want Alethios to be the tool scientists and innovators use to rapidly develop and validate new methods of data collection, and the home for the newest, best-in-class technologies for measuring human health. With rapid recruitment through the Alethiad Participant Community, those technologies can be tested with diverse, representative participants from day one.”

Companies developing novel devices, tests, or digital biomarkers can apply to integrate with Alethios here.

About Alethios

Alethios is a software platform delivering research infrastructure for human health. Its AI-powered, full-stack software delivers the capabilities of a study team without the overhead. The platform unifies protocol design, IRB coordination, recruitment, participant management, multimodal data collection, and reporting for decentralized clinical trials. Principal investigators, sponsors, and CROs rely on Alethios to generate rigorous real-world evidence across human health industries, setting up a study in minutes with plans starting at $100 per month. Through the Study Planner, Study Operator, and the Alethiad Participant Community, research teams can use the software in a self-service, hybrid, or fully turn-key model, at a fraction of the cost of traditional research.Alethios is a 2026 Nutra Healthspan Innovator Award winner, a 2026 Vitafoods Europe Startup Challenge finalist, and a 2025 NutraIngredients-USA Startup Award finalist. Get started at Alethios.com.

View original content to download multimedia:https://www.prnewswire.com/news-releases/alethios-unveils-a-comprehensive-decentralized-data-collection-suite-for-human-health-research-302916518.html

SOURCE Alethios, Inc.

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7 out of 10 Individuals Hit by Data Breaches Via Third Party, Kroll Finds

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Breaches at technology and insurance firms affected the most individuals
in Kroll cases, highlighting the wider damage a single incident can cause

NEW YORK, Oct. 22, 2026 /PRNewswire/ — Kroll, the leading independent provider of financial and risk advisory solutions, today revealed that two-thirds of organizations surveyed (69%) suffered a data breach in the past year. More than a third (34%) were breached more than once, according to its 2026 annual Data Breach Outlook.

Further analysis showed that financial services accounted for the largest share of organizations breached in Kroll’s cases, at 20%, but a single breach at a technology provider can expose data belonging to customers of hundreds of businesses that use its services.

Of the incidents handled by Kroll in the twelve months between June 2025 and June 2026, 69% of affected individuals were impacted by a third-party breach. 79% of those individuals were affected by a breach from the technology sector, which is significantly higher compared to the finance (9%), insurance (6%) or healthcare (5%) sectors.

Breaches at technology firms accounted for the largest number of affected individuals, followed by insurers, despite ranking seventh and ninth respectively for the total number of organizations breached.

Data and Trends from the Kroll Data Breach Outlook 2026

Repeated breaches are common. Of the 250 leaders surveyed by Kroll, 69% said their organization had suffered a breach in the previous 12 months, while 34% reported experiencing more than one.IT teams are far more concerned about third parties than senior leaders. More than half (54%) of IT and technology leaders identified vendor and third-party breaches as their biggest compliance risk, compared with 40% of C-suite executives and 30% of risk and compliance leaders.Third-party relationships complicate the response. Dependence on vendors was among the top four challenges leaders faced when making breach-response decisions, cited by 41% of respondents.A small number of breaches can have a wide impact. Technology ranked seventh for the number of organizations breached but first for the total number of individuals affected. Insurance ranked ninth for the number of organizations breached but second for the total number of individuals affected.

Denyl Green, Global Head of Breach Notification at Kroll says, “Kroll handles thousands of incidents every year. Across most of the major incidents we handled over the past year, a vendor, software supplier or service provider was the link between the initial breach and the organizations affected. One incident can reach businesses and individuals who have never dealt directly with the company where the compromise began.”

“As AI agents are given more access to systems and sensitive data, breach risk rises across both human on non-human identities. Data and identity governance are becoming even more complex, and we expect AI to feature more prominently in Kroll’s Data Breach Outlook next year, both as a tool used by attackers and as a source of exposure for businesses adopting it.”

“When a supplier is breached, every client needs to determine whose data was affected and whether customers and regulators need to be notified. The businesses that respond most effectively have already mapped their third-party relationships and the subsequent domino effect, with an agreed plan in place before an incident happens. That preparation can reduce both the complexity and the cost of managing a breach, as well as give greater peace of mind.”

Katherine Keefe, Global Cyber Insurance Industry Lead at Kroll says, “Kroll’s breach data shows a single supplier breach can trigger dozens or even hundreds of cyber insurance claims from businesses whose only connection is that they use the same provider. These scenarios exponentially increase potential cyber insurance losses compared to breaches affecting a single business.”

“Cyber underwriters are already responding, not only by more closely scrutinizing how businesses manage their suppliers, but also by identifying potential single points of failure which may be caused by vendors and suppliers serving wide swaths of industry. Cyber insurance claims teams managing aggregated losses are also impacted and require efficient incident response and breach notification best practices when multiple policyholders are affected by the same event.”

“Cyber insurers now know that identifying dependencies on common vendors is critical to assessing and minimizing the risk that one breach will impact many policyholders.”

Kroll’s Cyber and Data Resilience (CDR) practice guides organizations through cyber crises, from incident response and cyber risk strategy to process and software controls and managed security operations. Within CDR, the Data Breach team handles some of the largest and most complex notification programs in the world. Often serving as part of a broader cyber incident response, Kroll’s data breach notification services help organizations rapidly navigate multi-jurisdictional requirements, including call center and credit monitoring services, to meet regulatory obligations and protect their reputation. Learn more: https://www.kroll.com/en/services/cyber/breach-notification.

About the Data Breach Outlook 2026 report

The Data Breach Outlook 2026, launched in October 2026, draws on two sources: an analysis of data breach incidents handled by Kroll’s Cyber and Data Resilience practice between June 2025 and June 2026, and a companion survey of 250 risk and compliance leaders and C-suite executives and board members, conducted by Kroll in 2026, examining how organizations experience and respond to breach events, including the role of vendor and third-party relationships.

About Kroll

As the leading independent provider of financial and risk advisory solutions, Kroll leverages our unique insights, data and technology to help clients stay ahead of complex valuation demands. Kroll’s team of more than 6,500 professionals worldwide continues the firm’s nearly 100-year history of trusted expertise spanning risk, governance, transactions and valuation. Our advanced solutions and intelligence provide clients the foresight they need to create an enduring competitive advantage. At Kroll, our values define who we are and how we partner with clients and communities. Learn more at kroll.com.

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SOURCE Kroll Associates

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Innodisk Launches All-in-One GMSL2™ Camera Starter Kit to Accelerate Edge AI Vision Deployment

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TAIPEI, Oct. 22, 2026 /PRNewswire/ — Innodisk, a leading global AI solution provider, today announced the Innodisk GMSL2™ Camera Starter Kit, an all-in-one vision solution that bundles four 3MP GMSL2™ camera modules, a capture card, FAKRA cables, and other necessary accessories.

A milestone in Innodisk’s edge AI vision strategy, the kit lets customers set up a multi-camera system and begin validation right out of the box, shortening the path from proof of concept (PoC) to deployment. Full camera source code is included, giving customers flexibility throughout development and maintenance.

As AI vision moves toward multi-camera perception in robotics and intelligent vehicles, integrating cameras, capture cards, drivers, and host platforms has become increasingly complex, often taking six months or more before validation. The starter kit’s pre-integrated hardware and software driver enable system integrators to speed up time-to-market.

All-in-One Multi-Camera Integration for Faster Setup and Validation

GMSL2™ is a high-speed video transmission technology that originated in automotive applications and offers long-distance connectivity. Unlike plug-and-play USB cameras, it requires a dedicated capture card and platform-specific drivers. The starter kit includes four 3MP fixed-focus GMSL2™ camera modules, a capture card, four FAKRA cables, a power adapter, power cords, and a quick start guide. It also provides camera source code for the widely adopted NVIDIA Jetson Orin Nano Super Developer Kit, so users can bypass component sourcing, system-level integration, driver debugging, and tuning.

“The biggest challenge in a multi-camera AI vision project is often not the AI application itself, but the camera integration and system tuning that come before it,” said CK Hsu, Senior Manager of the Camera Product Business Department at Innodisk. “With the GMSL2™ Camera Starter Kit, Innodisk takes on the complexity of early-stage integration so customers can focus on development and move into PoC sooner.”

Source Code Included for Seamless Customization

With the camera source code in hand, engineering teams can independently adapt the software driver to their own requirements and use the kit as a working foundation for further development. Innodisk also provides comprehensive customization services from hardware fine-tuning to application deployment, helping customers move smoothly into design-in and mass production.

Expanding GMSL2™ Portfolio for Diverse Edge AI Scenarios

The kit supports edge AI scenarios including blind spot detection and advanced driver assistance systems (ADAS) for heavy-duty vehicles, object recognition and environmental perception for humanoid robots and AMRs.

View original content to download multimedia:https://www.prnewswire.com/apac/news-releases/innodisk-launches-all-in-one-gmsl2-camera-starter-kit-to-accelerate-edge-ai-vision-deployment-302916771.html

SOURCE Innodisk Corporation

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