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1 in 3 German consumers chooses personal data protection over e-payment

Market Watch Digital World

An investigation by the Financial Markets Watch team of Verbraucherzentrale Brandenburg (Consumer Association of Brandenburg) shows a great deal of scepticism prevails in the majority of German population about the way e-payment providers handle personal data.

Consumers want to have a say in the use of their personal data.

Electronic payment methods such as PayPal are increasingly used by consumers to shop online. The experts of the Market Watch Digital World project have analysed eleven e-payment providers.

The analysis of the different payment procedures shows that half of the providers require consumers to create a user account and therefore obtain access to their personal data.

The results:

  • Around 77 percent of the survey’s respondents already used electronic payment methods at least once.
  • Around 34 percent of consumers would cancel the payment procedure if they were aware that their personal data was being used to personalise prices and for advertising.
  • A total of 30 percent said they would not want to use the services if their data was used to create a customer profile.

Dr. Kirsti Dautzenberg, Leader of the Team Digital Markets in the Brandenburg Consumer Association explains: "Consumers are faced with a dilemma: if they want to use the convenient and fast solutions of e-payment, they often have to give their consent for something they do not really want – the use of their personal data.

“Our results show that the use of data for personalisation of prices has a deterring effect".





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