Mercator PaymentsInsights Report Sheds Light on the Payments Dynamics of the German Market

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Mercator’s German PaymentsInsights survey report examines how consumers view and use new payments technology, react to fraud incidents, and use ATMs, subscription, and bill payment services.

One of the exhibits in this report.

Consumer behavior has its own local variants, and in the case of Germany, those localized reactions may make the card security job for German payment providers more challenging.

Mercator Advisory Group’s first consumer survey report from the annual European PaymentsInsights series, European PaymentsInsights, 2020 Germany Summary Report, takes an in-depth look at German payments consumers, their current payments experiences and behaviors, and their interest in and openness to new payments technologies.

“This survey report is part of the seven European country survey series in which we explore current topics in consumer payments. In this report, we establish a baseline of payments usage and financial attitudes, then explore the role of payments technologies, experiences with fraud, and use of other payment services,” stated Peter Reville, director of Primary Research Services at Mercator Advisory Group, which includes the European PaymentsInsights series. “Every national market is unique; a long-established debit and credit card issuing market like Germany has many card security concerns in common with other mature markets. Consumer behavior has its own local variants, and in the case of Germany, those localized reactions may make the card security job for German payment providers more challenging.”

European PaymentsInsights surveys are based on 1,000 online interviews per country conducted among adult consumers in February 2020. A common questionnaire was developed in consultation with Mercator’s clients, and was then localized for each national market. In addition to Germany, countries surveyed in the 2020 program include France, the United Kingdom, Italy, the Netherlands, Spain, and Sweden.

Highlights of this report include:

  • Baseline Financial Product Usage and Attitudes
  • New Payment Technology Usage and Attitudes
  • Fraud and Security Experiences
  • ATM Use
  • Bill Pay and Subscription Services

This report in slide form is 83 pages long. One of the exhibits in this report:

Companies mentioned in the survey results shown include: Apple, Google, PayPal, Samsung, and Venmo.

Members of Mercator Advisory Group’s European PaymentsInsights Survey Series Service have access to this report as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.

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For more information and media inquiries, please call Mercator Advisory Group's main line: 1-781-419-1700 or send email to

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About Mercator Advisory Group
Mercator Advisory Group is the leading independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world's largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors. Mercator Advisory Group is also the publisher of the online payments and banking news and information portal

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