This database collects basic individual information, settlement account information, credit information such as borrowing from financial institutions, credit card transactions and tendering guarantees, and put the credit information of an individual in all commercial banks throughout the country under this person’s personal identity number. 2  BIS Review 10/2006  The database contains information of 340 million people, with 35 million with credit record.
We regularly monitor payment behaviour in Germany to understand households’ motives for using particular forms of payment over others.  [1] Protection against financial loss, personal privacy and a clear overview of spending are crucial features that households expect from payment instruments. Cash scores favourably in all of these areas, according to our surveys.