Shoparize vs Verivox

Webgains & APMA Black Friday Planning Webinar Recap

Webgains co-hosted a Black Friday planning webinar with The APMA on 2026-08-10, featuring Webgains client services leads and publishing partners Linkby, Shoparize and Atolls. Polls of attending marketers found just 17% began Black Friday planning before July while 39% start in September or later; budget was identified as the biggest obstacle. Webgains shared network data indicating earlier investment in publisher relationships correlates with stronger later revenue. The panel discussed that Black Friday has become a months-long campaign, the growing influence of AI on shopping discovery (listicles, reviews, buying guides), and the value of early collaborative planning and publisher partnerships to avoid heavy discounting and drive long-term sales.

• Webgains co-hosted a Black Friday planning webinar with The APMA.
• Poll attendees: 17% started planning before July; 39% start in September or later.
• Budget was identified by attendees as the largest obstacle to Black Friday success.

BNPL Surges for Large Purchases

Buy now, pay later (BNPL) is gaining significant traction for larger online purchases. According to a representative Verivox survey, 15% of respondents would now prefer to pay for an online purchase over 1,000 euros in installments, up from 9% in 2024. This is the strongest growth among common payment methods. Invoice remains the most popular (29%), followed by PayPal (21%) and cards (14%). The trend is particularly pronounced among lower-income households, with 23% of those earning under 2,000 euros net monthly favoring installments, versus only 7% of those earning over 4,000 euros. However, the rise in BNPL usage also increases the risk of over-indebtedness. New stricter regulations on installment financing, including comprehensive creditworthiness checks, will take effect from November 20. For smaller purchases (25-100 euros), PayPal remains dominant, and installments are rarely used.

• 15% of respondents prefer installment payment for online purchases over 1,000 euros, up from 9% in 2024.
• Invoice (29%) and PayPal (21%) are the most preferred payment methods for large purchases.
• 23% of households with net income below 2,000 euros prefer installment payments, versus 7% of households earning over 4,000 euros.

Anschlussfinanzierung: Rate steigt um knapp 400 Euro – Zinsvergleich kann bis zu 10.000 Euro sparen

Verivox reports that the monthly rate for follow-up financing (Anschlussfinanzierung) is rising by nearly 400 euros, but a comparison of interest rates can save up to 10,000 euros.

Digital Daily Use Varies by Age and Income in Germany

A Verivox survey reveals that despite near-universal device ownership (99% have smartphones, 98% have laptops/PCs), a significant portion of Germans still perform everyday tasks offline. 10% do banking without internet, 16% plan trips offline, and 17% close contracts without digital tools. Usage patterns vary strongly by age, gender, and income: older adults (60+) are more likely to do tasks offline, women prefer smartphones more than men, and higher income/education correlates with laptop use. Shopping and online research are highly digitalized across all groups.

• 10% of Germans conduct banking without internet, 16% plan travel offline, and 17% close contracts without digital devices.
• 99% of respondents own a smartphone; 98% own a laptop or PC.
• Among those over 60, 32% close contracts offline, 26% plan vacations without digital help, and 28% do not use social networks.