Verivox vs Vodafone

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.

AffiliateBLOG Breakfast Cologne: AI Insights and New Perspectives

The AffiliateBLOG Breakfast in Cologne brought together around 25 affiliate and digital industry professionals on October 1, 2026, at Salon Schmitz for networking and knowledge exchange. Two keynote presentations focused on AI's impact on the customer journey and the interplay between affiliate marketing and user experience. Steffen Grunwald from Awin discussed how generative AI is changing product search, shifting focus from SEO to Generative Engine Optimization (GEO) and the importance of affiliate and review content in AI-generated answers. Martin Rausch-Beschnitt from MAI Group highlighted that more traffic does not solve poor user experience, citing a case where improved experience increased conversion rates from 4.43% to 6.12%, a 38% uplift. He advocated for integrating affiliate, UX, and customer experience strategies. The event also facilitated personal discussions and was sponsored by Vodafone, Awin, lead alliance, and Sage. The next AffiliateBLOG Breakfast is planned for March 19, 2027, in Munich.

• AffiliateBLOG Breakfast took place on October 1, 2026, in Cologne with around 25 guests.
• Steffen Grunwald from Awin highlighted the shift from SEO to Generative Engine Optimization (GEO).
• Martin Rausch-Beschnitt from MAI Group showed a 38% increase in conversion rate through better user experience (4.43% to 6.12%).

6-K Financial Filing Analysis for Vodafone (2026-09-21)

Vodafone Group Plc submitted a Form 6-K filing notifying the market of a transaction by a Person Discharging Managerial Responsibilities (PDMR) in compliance with the UK Market Abuse Regulation. Joakim Reiter, Chief External and Corporate Affairs Officer, executed a disposal of ordinary shares on the London Stock Exchange on September 18, 2026. The transaction involved the sale of 500,000 ordinary shares at a price of £1.26725 per share, representing an aggregate transaction value of £633,625. Such insider sales reflect routine executive portfolio management and do not alter the company's operating strategy or capital structure.

• Joakim Reiter, Chief External and Corporate Affairs Officer, sold 500,000 ordinary shares of Vodafone Group Plc on September 18, 2026.
• The shares were executed on the London Stock Exchange (XLON) at a price of £1.26725 per share, totaling an aggregate value of £633,625.

Internet Shutdowns Global Record; Vodafone Calls for Stricter Rules

The article covers the global record in internet shutdowns, highlighting the increasing frequency of government-ordered internet blackouts. Vodafone, a telecommunications company, is advocating for stricter regulations against such digital blackouts. The report likely discusses the impact on users, businesses, and the digital economy, emphasizing the need for legal frameworks to prevent arbitrary internet disruptions. Given the paywall, only the headline and teaser are accessible, which is insufficient for detailed analysis. The article is relevant to the AdTech industry because internet shutdowns directly impact digital advertising and media consumption, disrupting campaigns and reducing audience reach.