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市場調查報告書
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1635408

德國POS終端市場：佔有率分析、產業趨勢、成長預測（2025-2030）

Germany POS Terminal - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 101 Pages | 商品交期: 2-3個工作天內

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簡介目錄

德國POS終端市場預估在預測期間內複合年成長率為8.2%

德國POS終端-市場-IMG1

主要亮點

  • 政府法規和措施正在塑造該國的付款場景。多項符合規則的法律已經訂定，以促進一體式 POS 終端的各種整合。例如，根據epay.de 報導，2021 年11 月，德國銀行委員會(GBIC) 發布了針對POS 系統和非接觸式支付的新技術附件(TA) 7.2 或TA7.2 勘誤表更新，定義了對非接觸式付款的修訂。 2022 年 1 月 1 日之後違反此功能的行為將從 2022 年 9 月 30 日起受到 2.9 分（或 29 歐分）的處罰。
  • 這些措施指導新終端設備的合規性以及對現有設備進行相應升級的需求。它還定義了網路安全措施，確保所有 POS 終端的普遍行為。 TA和內建增值稅（VAT）制度等安全系統也會定期更新設備內核，定義設備與公司提供的軟體和付款介面服務之間的關係。
  • 由於德國人越來越偏好用於卡片相關和非接觸式付款的電子卡，該市場正在不斷成長。例如，根據歐洲卡片系統機構的數據，2021 年6 月對1,200 名消費者進行的一項調查發現，47% 的消費者更喜歡在收銀台使用Giro 卡（以前的EC 卡）付款，13% 的消費者選擇信用卡。這些不斷成長的消費者偏好對 POS 終端機產生了巨大的需求。
  • 儘管採取了嚴格的措施，網路安全和資料外洩仍然對系統構成持續威脅，並且仍然影響著保守比例的德國人口。軟體不一致會帶來問題。例如，根據 hackaday.com 報道，2022 年 5 月，Verifone 的 POS 終端 H5,000 由於其中一個證書已過期而停止處理付款，影響交易數天。證書需要訪問該公司的網站，而不是透過無線更新。這些問題也凸顯了法律合規的重要性以及更順暢的技術選擇和網路安全措施的必要性。
  • 由於COVID-19大流行，隨著網路購物和付款方式的使用增加，用戶更喜歡使用終端進行實體交易以外的付款方式。然而，透過結合NFC和QC碼，用戶現在可以透過POS終端提供的非接觸式資金轉帳方式進行線上付款並製作虛擬卡。此外，意識和衛生意識較強的用戶正在使用智慧穿戴裝置和智慧型手機在POS終端上進行非接觸式付款，推動市場持續成長。

德國POS終端市場趨勢

零售業對市場成長貢獻顯著

  • 零售業擴大轉向付款和線上付款，作為取代現金的新常態。全國各地的大型賣場和零售連鎖店都在採用智慧 POS 解決方案，更傾向於集中付款記錄和系統。此類系統的實施符合政府標準，以確保付款安全可靠。技術的發展也帶來了智慧整合，以提供更好的用戶體驗。
  • 例如，Diebold Nixdorf 和德國麥當勞簽署了擴大 IT 服務夥伴關係協議。根據協議，迪堡利多富將為德國麥當勞的新店和升級提供安裝、試運行和維護服務，並透過獨家 IT 服務合作夥伴 SOS Industriesservice GmbH 進行協調和實施。此次夥伴關係還包括引入自助服務終端和 TSE Con​​nect Box 等付款交易技術，以實施 Kassensicherungsverordnung（KassenSichV：德國 POS 系統安全法規）。
  • 消費者偏好的顯著變化也是現金支付轉變為電子付款的促成因素，從而創造了對 POS 終端的巨大需求。例如，根據Worldpay 2022年5月發布的《2022年全球支付報告》顯示，2021年現金交易佔比為40%，而2020年為55%，簽帳金融卡交易佔2017年為25%。 ，現金交易佔比為25%。同樣，信用卡交易也略有成長，從 2021 年的 1% 增加到 2021 年的 7%。
  • 自COVID-19以來，出於衛生考慮而避免現金付款導致市場發生巨大變化，增加了對POS終端的需求。此外，透過將 POS 終端整合為檯面選項和資料主導的交易結果的一體化解決方案，零售商可以更方便地追蹤付款以及稅收和其他要求。手持終端和自助服務站預計將利用德國發達的零售基礎設施來推動市場的未來。

非接觸式付款的普及正在推動市場

  • 在這個市場中，「觸碰支付」等非接觸式付款的採用比 NFC 的採用更為先進。用戶採用率正在顯著增加。例如，根據 Postbank 發布的研究，大多數新的 POS 終端都配備了 NFC，作為促進非接觸式付款的選項以及替代方案。
  • COVID-19 大流行後的採用是明確的，德國公民轉向非接觸式付款。例如，根據郵政銀行 2022 年數位研究，59% 的德國人認為數位付款方式比現金更快、更方便，而 2021 年這一比例為 50%。調查也顯示，32%的參與者僅使用卡片進行支付，7%的行動電話進行付款。此外，49% 的參與者贊成使用非接觸式付款，並透過攜帶智慧型手機進行支援。
  • 德國擁有完善的網路基礎設施，這導致了網際網路的廣泛使用，甚至在德國的偏遠地區也引入了 POS 終端。根據Postnord《2021年歐洲電子商務報告》調查顯示，德國網路使用者比例為96%。調查也強調，94% 的人曾在網路上購物。這反映出該公司準備透過 POS 終端擴大和引入非接觸式付款，包括在尚未實施的地區。
  • 具有 NFC 功能的終端由於其易用性而在德國得到廣泛應用，普及了非接觸式付款。使用 NFC 的 POS 因其簡單快速的付款而越來越受歡迎。據 Verifone 稱，已有 2700 萬張付款卡和 600 萬部智慧型手機支援 NFC，「一觸即走」等選項越來越受歡迎。因此，POS終端市場預計將大大受惠於發展和消費行為的進步，大幅推動德國POS終端設備的成長。

德國POS終端產業概況

德國POS終端市場中度至高度細分，服務供應商之間競爭激烈。此外，服務供應商正在策略性地投資收購和合作夥伴關係。

  • 2022 年 2 月 - SumUp 和 PrestaShop 建立夥伴關係，以支持中小企業並讓商家更輕鬆地在歐洲發展業務。用戶可以將 PrestaShop 平台直接連接到他們的 SumUp 帳戶，使 SumUp 作為網路商店的付款方式，並自動將所有資料與 SumUp 交易歷史同步。透過此次夥伴關係，PrestaShop 商家將受益於 SumUp 為商家提供的其他產品，例如卡片終端、申請、帶有 SumUp 卡的 SumUp 商業帳戶，以及為微型和奈米細分市場的零售商量身定做的 POS 解決方案。我們的服務。

其他好處

  • Excel 格式的市場預測 (ME) 表
  • 3 個月分析師支持

目錄

第1章簡介

  • 研究假設和市場定義
  • 調查範圍

第2章調查方法

第3章執行摘要

第4章市場洞察

  • 市場概況
  • 產業價值鏈分析
  • 產業吸引力－波特五力分析
    • 供應商的議價能力
    • 買方議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭公司之間的敵對關係
  • 評估 COVID-19 對市場的影響

第5章市場動態

  • 市場促進因素
    • 非接觸式付款在德國的普及
    • 使用支援 NFC 的智慧型手機和智慧卡進行付款增加
    • 零售業擴大採用 NFC POS 解決方案
  • 市場問題
    • 敏感資訊的資料和安全性問題
    • 交易限制問題安裝費用
  • 市場機會
    • 非接觸式付款的採用率增加
  • POS終端主要法規及申訴標準
  • 說明非接觸式付款的普及及其對產業的影響
  • 重大案例分析

第6章 市場細分

  • 按類型細分
    • 固定POS系統
    • 行動/可攜式POS 系統
  • 按最終用戶
    • 零售
    • 款待
    • 醫療保健
    • 其他

第7章 競爭格局

  • 公司簡介
    • Ingenico Group（Worldline）
    • NCR Corporation
    • Zettle（PayPal）
    • VeriFone, Inc.
    • SumUp Limited
    • DATECS Ltd.
    • Pax Technology
    • Dspread Technology（Beijing）Inc.
    • Sharp Electronics
    • myPOS World Ltd.
    • Concardis GmbH（Nets Group）
    • Vectron Systems AG
    • AURES Group
    • Nayax Ltd.
    • CCV GmbH
    • Bluebird Inc.

第8章投資分析

第9章 市場未來展望

簡介目錄
Product Code: 91673

The Germany POS Terminal Market is expected to register a CAGR of 8.2% during the forecast period.

Germany POS Terminal - Market - IMG1

Key Highlights

  • The government regulations and measures shape the payment scenario in the country. Several laws are introduced to promote different incorporations in the all-in-one POS terminals, complying with the rules. For instance, according to epay.de, in November 2021, the German Banking Industry Committee (GBIC) issued a new Technical Annex (TA) 7.2, or TA7.2 Errata update for POS systems, which defined amendments for the "single tap" functionality for requesting PIN in case of contactless payment. The incompliance of the same post 1st January 2022 would incur 2.9 points (or EUR 29 cents) after 30th September 2022.
  • Such measures guide the compliance of the new terminal devices and the need for upgrading the existing devices accordingly. This also defines the cyber security measures, ensuring universal conduct across all POS terminals. The security systems like TA and incorporation of Value Added Tax (VAT) regimes also define the relationship of the device and the software and payment interface services provided by the companies, updating the device kernels regularly.
  • The market is seeing a rise due to the increasing preference for electronic cards for card-related and contactless payments among the German crowd. For instance, according to Euro Card System Institution, a recent survey conducted among 1,200 consumers in June 2021 highlighted that 47% of the consumers indicated they preferred to pay at the register with a giro card (formerly known as an EC card), followed by 13% of the consumers selecting a credit card, and 10% to chose another method. The increasing preference among the crowd generates huge significant demand for POS terminals.
  • Despite the strict measures, cyber security and data breaches are constant threats to the system, still affecting the conservative share of the German population. The inconsistency of the software raises concerning questions. For instance, in May 2022, according to hackaday.com, Verifone's POS Terminal, H5000, stopped processing payments as one of its certificates expired, affecting the transactions for days. The certificate was not an over-the-air update and required visiting the company's website. Such issues also emphasize the importance of compliance with the law and the requirement for smoother technological options and cybersecurity measures.
  • The increased use of online shopping and payment modes through the COVID-19 pandemic has encouraged users to prefer payment modes other than physical transactions through terminals. However, incorporating NFC and QC codes has enabled users to use their online payment and virtual cards through contactless fund transfer methods provided by the POS terminals. The aware and hygiene-conscious users also use their smart wearables and smartphones for contactless payments at the POS terminals, providing constant growth to the market.

Germany POS Terminal Market Trends

Retail Industry to Significantly Help Grow the Market

  • The retail sector is shifting towards electronic and online payment modes for the new norm, replacing cash. Introduction of hyper stores and retail chains operating throughout the country prefer centralized payment records and systems, implementing intelligent POS solutions. Such systems are implemented by complying with the government norms, ensuring safe and reliable payments. The evolution of technology is also witnessing smart integrations for a better user experience.
  • For instance, Diebold Nixdorf and McDonald's Germany signed an expanded IT service partnership agreement. According to the agreement, Diebold Nixdorf will provide installation, commissioning, and maintenance services for all new McDonald's Germany restaurant openings or upgrades, coordinating and implementing through its exclusive IT-service partner, SOS Industrieservice GmbH. The partnership also included the deployment of self-service terminals and payment transaction technology like the TSE Connect Box to implement the Kassensicherungsverordnung (KassenSichV; a German security regulation for POS systems).
  • The significant shift in consumers' preferences is another factor supporting the change in payments from cash to electronic media, creating considerable demands for POS terminals. For instance, in May 2022, according to the Global Payment Report 2022 presented by Worldpay, cash transactions accounted for 40% in 2021, compared to 55% in 2020, along with 25% of the transactions to be debit card transactions in 2017, compared to 38% in 2021. Similarly, Credit Card transactions too registered a slight growth from 1% in 20217 to 7% in 2021.
  • The widescale shift after the Covid-19 to avoid cash payments for hygiene has resulted in drastic changes in the market, creating more demand for POS terminals. Moreover, integrations of POS terminals as all-in-one solutions for counter-top options, providing data-driven results for the transactions, has helped retail businesses track their payments better, along with tax and other requisites conveniently. The hand-held form factor and self-service stations will drive the market's future, leveraging Germany's developed retail infrastructure.

Increasing Adoption of Contactless Payments Driving the Market

  • The market is witnessing heavy adoption of contactless modes of payments like "tap-to-pay" with the introduction of NFC. The adoption of users is increasing at a considerable rate. For instance, according to the survey results presented by Postbank, most of the new POS terminals are equipped with NFC as an option to facilitate contactless payments, along with alternatives.
  • The adoption post the COVID-19 pandemic is evident, shifting the German population toward contactless payments. For instance, according to the Postbank Digital Study 2022, 59% of Germans believed digital payment methods to be faster and easier than cash, compared to 50% in 2021. The survey also highlights that 32% of the participants use cards only, and 7% use mobile phones for making payments. Further, 49% of the participants admitted using contactless payment supported by carrying their smartphone with them.
  • The well-established networking infrastructure in the country leads to internet penetration, facilitating the adoption of POS terminals even in remote areas of Germany. According to a survey from "E-Commerce Report in Europe 2021" by Postnord, the proportion of internet users in Germany is 96%. The survey also highlighted that 94% of the citizens had shopped online. This reflects the readiness to expand and adopt contactless payments through POS terminals, including the unreached locations.
  • The widescale introduction of NFC-enabled devices in Germany is what popularized contactless payments for its ease of action. The POS with NFC is gaining popularity for easy and fast payments, leveraging NFC. According to Verifone, 27 million payment cards and 6 million smartphones are enabled for NFC, with options like "tap and go" gaining popularity. Hence, the POS terminal market will benefit significantly from the developments and advancing consumer behavior, considerably driving the growth of POS Terminal devices in Germany.

Germany POS Terminal Industry Overview

The Germany POS terminal market is moderate to highly fragmented, with intense competition among the service providers. Further, the service providers invest strategically in acquisitions and partnerships.

  • February 2022 - SumUp and PrestaShop enter a partnership to support SMEs and easily enable merchants to grow their business in Europe. The users can connect the PrestaShop platform directly to their SumUp account, which activates SumUp as a payment method for online stores, synchronizing all data automatically with their SumUp transaction history. As a result of the partnership, PrestaShop merchants benefit from several additional products and services that SumUp offers its merchants, including card terminals, invoices, the SumUp business account with the SumUp Card, and point-of-sale solutions customized for retailers from the micro and nano segment.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumption And Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Value Chain Analysis
  • 4.3 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.3.1 Bargaining Power Of Suppliers
    • 4.3.2 Bargaining Power Of Buyers
    • 4.3.3 Threat Of New Entrants
    • 4.3.4 Threat Of Substitutes
    • 4.3.5 Intensity Of Competitive Rivalry
  • 4.4 Assessment of the Impact of Covid-19 on the Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Contactless Payment Gaining Popularity in Germany
    • 5.1.2 Increased Payments from NFC-Compatible Smartphones and Smart Cards
    • 5.1.3 Retail Sector Adopting the NFC POS Solutions Considerably
  • 5.2 Market Challenges
    • 5.2.1 Data and Security Concerns for Sensitive Information
    • 5.2.2 Problems With Transaction Limit Installation Costs
  • 5.3 Market Opportunities
    • 5.3.1 Rising Adoption of Contactless Payment
  • 5.4 Key Regulations and Complaince Standards of PoS Terminals
  • 5.5 Commentary on the Rising Use of Contactless Payment And its Impact on the Industry
  • 5.6 Analysis of Major Case Studies

6 MARKET SEGMENTATION

  • 6.1 Segmentation - By Type
    • 6.1.1 Fixed Point-of-Sale Systems
    • 6.1.2 Mobile/Portable Point-of-Sale Systems
  • 6.2 Segmentation - By End-User
    • 6.2.1 Retail
    • 6.2.2 Hospitality
    • 6.2.3 Healthcare
    • 6.2.4 Others

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Ingenico Group (Worldline)
    • 7.1.2 NCR Corporation
    • 7.1.3 Zettle (PayPal)
    • 7.1.4 VeriFone, Inc.
    • 7.1.5 SumUp Limited
    • 7.1.6 DATECS Ltd.
    • 7.1.7 Pax Technology
    • 7.1.8 Dspread Technology (Beijing) Inc.
    • 7.1.9 Sharp Electronics
    • 7.1.10 myPOS World Ltd.
    • 7.1.11 Concardis GmbH (Nets Group)
    • 7.1.12 Vectron Systems AG
    • 7.1.13 AURES Group
    • 7.1.14 Nayax Ltd.
    • 7.1.15 CCV GmbH
    • 7.1.16 Bluebird Inc.

8 INVESTMENT ANALYSIS

9 MARKET FUTURE OUTLOOK