Digital Finance & Insurance 2026 (Bitkom)
Summary
- 85% of online banking users conduct their banking exclusively or predominantly online, whereas only 12% mainly use a bank branch.p.3
- 63% of consumers expect to handle all key financial matters via app, rising to 76% among 16- to 29-year-olds.p.3
- 56% see AI in finance as an opportunity, while 62% fear an increase in financial fraud due to AI.p.3
- 52% of the population have heard or read about the digital euro, but only 8% can explain well what it is.p.3
- 89% of respondents aged 16 and older have concluded at least one insurance policy online.p.28
Key insights
- Online banking usage reaches 95% among adults aged 30 to 64, compared to 35% for individuals aged 75 and older.p.9
- A user-friendly online banking app is important to 87% of customers when choosing a bank, compared to 45% who value a close branch network.p.14
- Banking apps dominate digital banking, used by 92% of online banking users, while 69% still utilize a web browser.p.12
- 84% of respondents support a statutory requirement forcing all shops to offer at least one electronic payment method alongside cash.p.21
- 66% of people not yet retired can imagine using the state-subsidized pension investment account.p.26
- Comparison platforms are the main channel for online insurance purchases, used by 57% of digital policyholders.p.29
- 52% of respondents would be open to using AI in the future to help them complete an insurance application.p.33
Topics and entities
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