19 million scans per month: Gini’s photo payment service grows by almost 50 per cent

Munich, 5. November 2025. Gini, a provider of AI-based solutions for banks, insurance companies and e-commerce, has processed 19.276.229 photo payments. This is a new milestone for the popular feature, which is integrated into numerous banking apps offered by German banks and savings banks. By the beginning of October, Gini had processed as many photo payments as it did in the whole of 2024 – and the strongest months are still to come in the fourth quarter.
The more than 19 million photo payments represent an increase of 49.7 per cent compared to October 2024. Annual growth is around 47 per cent.

Awareness and use of photo payment are increasing significantly

A recent YouGov study* commissioned by Gini confirms the increasing use and awareness of photo payment: at 46.6 per cent, almost half of those surveyed are familiar with the feature in the banking app – in 2023, the figure was 39.3 per cent. As awareness grows, so does usage: two-thirds (66.6 per cent) of those who are familiar with photo payments also actively use them – in March 2023, this figure was 56.6 per cent. More than one in five (22.7 per cent) even use photo payments several times a month.

Looking at the different generations, it is clear that photo payments are used across all age groups. More than half (55.2 per cent) of those over 55 use this function.

Simplification of the payment process

Photo payment makes everyday life easier for users by automatically reading relevant payment data such as IBAN, amount and purpose of payment from invoices, QR codes or transfer forms.
This prevents typing errors and error messages during transfers – especially in connection with the new IBAN recipient verification (Verification of Payee), which increasingly requires error-free entries.

„We are delighted with this significant increase in the use of our photo payment service”, said Alexander Jäger, CEO of Gini GmbH. „The massive increase in our annual growth proves how simple and convenient our feature is, winning over older customer groups across all institutions.”