The Federal Republic of Germany is a federal parliamentary republic in west-central Europe. it is the most populous member state in the European Union. Link to external site : Website for Germany |  |
| Wallets | |
| Development | Developed |
| Send or Receive |
Send Register/Log In |
| GDP ($m) |
3,317,365.47 Register/Log In |
| HDI classification | Very High |
| Mobile Connections (m) |
113.133 Upgrade to Bronze |
| Currency | EUR |
| Class | |
| CountryISO | DE |
| Sovereignity | Country |
| Territory of | - NA - |
{"type":"GeoChart","data":[["Country","Population(m)","Rank"],["DE",82.268,14]],"options":{"title":"Countries","region":"DE","displayMode":"regions","colorAxis":{"minValue":0,"maxValue":1500,"colors":["yellow","green","red"]}}}
{"type":"PieChart","data":[["Operator","Connections"],["Vodafone",38200000],["Telekom Deutschland",34500000],["E-Plus (KPN)",22000428],["O2 (Telefonica)",18400000],["NetCologne",33000]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",47191935],["Q4 2001",56126010],["Q4 2002",59177000],["Q4 2003",64760000],["Q4 2004",71315000],["Q4 2005",79205000],["Q4 2006",85697800],["Q4 2007",97151000],["Q4 2008",107245500],["Q4 2009",108255400],["Q4 2010",110257545],["Q4 2011",112254065],["Q4 2012",113719960],["Q4 2013",114714886],["Q4 2014",115384625]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["ATM",1],["Location",4],["Mobile",16],["POS",1],["Web",6]],"options":{"title":"Initiatives ( 18 of 18 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["",7],["Bank",6],["MNO",2],["Network",1],["PSP",3],["TechWeb",1]],"options":{"title":"Initiatives ( 18 of 18 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["DB",2],["DN",1],["DP",1],["DW",3],["Hub",1],["MB",1],["MP",3],["MT",1],["MW",1],["NFC",2],["OP",1],["PC",1]],"options":{"title":"Initiatives ( 18 of 18 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Alerts",1],["Card",2],["DC",1],["DMT",4],["DW",1],["IMT",3],["LP",4],["MB",4],["MP",9],["MW",2],["NFC",4],["OB",4],["OP",5],["P2PL",1],["PC",4],["PaySys",1],["Paybymobile",1]],"options":{"title":"Initiatives ( 18 of 18 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["",2],["Account",8],["Card",9],["Cash",2],["DW",1],["MobileBilling",1],["NFC",1],["PC",4],["Wallet",6]],"options":{"title":"Initiatives ( 18 of 18 )"}} |
| Central Bank | |
| Key Regulations | |
| Type of law |
Civil Upgrade to Bronze |
| Legal System |
Civil law system Upgrade to Bronze |
| Law is based on |
The Bürgerliches Gesetzbuch of 1900 ("BGB"). The BGB is influenced both by Roman and German law traditions. Upgrade to Bronze |
| Approach |
Ex Ante Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
NB Led Upgrade to Bronze |
| DominantModel |
| E-Money |
E-money allowed for non-banks as per cpss Upgrade to Bronze |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",130.63],["Banked",97],["Internet",52],["Urban",74],["Adult",86],["Literate",99]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 82.27 |
| Adult % | 86.00 |
| Migrants % |
12.00 Register/Log In |
| Stock Immigrants ('000) |
10,758.10 Upgrade to Bronze |
| Emigration Rate % | |
| Internal Migrants ('000) | |
| Internal Migration Rate % | |
| Intl Movement Rate % |
15.30 Upgrade to Bronze |
| Urban % | 74.00 |
| Female % | 46.70 |
| Literate % | 99.00 |
| Annual Growth % |
| Mobile Penetration % | 130.63 |
| Banked % | 97.00 |
| Access to FS % | 0.00 |
| Internet % | 52.00 |
| Branches per 100k adults | 56.36 |
| ATMs per 100k adults | 79.74 |
| POS per 100k adults | 799.49 |
| Prepaid % | 56.60 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 2.47 |
| Monthly ARPU |
20.65 Upgrade to Bronze |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? | |
| Can Market under Brand? | |
| Can issue E-Money? | |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Mobile Payment Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |