Table of Content

1 About this Report
1.1 Summary
1.2 Methodology
1.3 Cashback Reward Programs Definitions
1.4 Disclaimer


2 Germany Total Transaction Value of Cashback, 2020-2029


3 Germany Total Transaction Value of Cashback by Business Model, 2020-2029
3.1 Germany Total Transaction Value of Cashback Market Share by Business Model, 2023
3.2 Germany Total Transaction Value of Cashback by Retail Firms, 2020-2029
3.3 Germany Total Transaction Value of Cashback by Cashback Apps and Partner Programs, 2020-2029
3.4 Germany Total Transaction Value of Cashback by Financial Services Firms, 2020-2029


4 Germany Cashback Program Sector Statistics: Key Performance Indicators
4.1 Germany Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
4.2 Germany Key Performance Metrics of Cashback Programs, 2023


5 Germany Cashback Spend Market Size and Future Growth Dynamics by Business Model, 2020-2029
5.1 Germany Cashback Spend Market Share by Business Model, 2023
5.2 Germany Cashback Spend by Retail Firms, 2020-2029
5.3 Germany Cashback Spend by Cashback Apps and Partner Programs, 2020-2029
5.4 Germany Cashback Spend by Financial Services Firms, 2020-2029


6 Germany Cashback Spend Market Size and Future Growth Dynamics by Channel, 2020-2029
6.1 Germany Cashback Spend Market Share by Channel, 2023
6.2 Germany Cashback Spend by Online, 2020-2029
6.3 Germany Cashback Spend by In-store, 2020-2029
6.4 Germany Cashback Spend by Mobile App, 2020-2029


7 Germany Cashback Spend Market Size and Future Growth Dynamics by Cashback Program Type, 2020-2029
7.1 Germany Cashback Spend Market Share by Cashback Program Type, 2023
7.2 Germany Cashback Spend by Percentage-Based Cashback, 2020-2029
7.3 Germany Cashback Spend by Flat-Rate Cashback Programs, 2020-2029
7.4 Germany Cashback Spend by Tiered Cashback Programs, 2020-2029
7.5 Germany Cashback Spend by Introductory Cashback, 2020-2029
7.6 Germany Cashback Spend by Rotating Categories, 2020-2029
7.7 Germany Cashback Spend by Bonus Category Cashback Programs, 2020-2029
7.8 Germany Cashback Spend by Customizable Cashback Programs, 2020-2029
7.9 Germany Cashback Spend by App-Based Cashback Programs, 2020-2029
7.10 Germany Cashback Spend by Loyalty Program Cashback, 2020-2029
7.11 Germany Cashback Spend by Affiliate Cashback Programs, 2020-2029
7.12 Germany Cashback Spend by Other Cashback Programs, 2020-2029


8 Germany Cashback Spend Market Size and Future Growth Dynamics by End-Use Sector, 2020-2029
8.1 Germany Cashback Spend Market Share by End-Use Sector, 2023
8.2 Germany Cashback Spend by Retail, 2020-2029
8.3 Germany Cashback Spend by Financial Services, 2020-2029
8.5 Germany Cashback Spend by Healthcare & Wellness, 2020-2029
8.6 Germany Cashback Spend by Restaurants & Food Delivery, 2020-2029
8.7 Germany Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines), 2020-2029
8.8 Germany Cashback Spend by Media & Entertainment, 2020-2029
8.9 Germany Cashback Spend by Others, 2020-2029


9 Germany Online Cashback Spend Market Size and Future Growth Dynamics by End-Use Sector, 2020-2029
9.1 Germany Online Cashback Spend Market Share by End-Use Sector, 2023
9.2 Germany Online Cashback Spend by Retail, 2020-2029
9.3 Germany Online Cashback Spend by Financial Services, 2020-2029
9.5 Germany Online Cashback Spend by Healthcare & Wellness, 2020-2029
9.6 Germany Online Cashback Spend by Restaurants & Food Delivery, 2020-2029
9.7 Germany Online Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines), 2020-2029
9.8 Germany Online Cashback Spend by Media & Entertainment, 2020-2029
9.9 Germany Online Cashback Spend by Others, 2020-2029


10 Germany In-store Cashback Spend Market Size and Future Growth Dynamics by End-Use Sector, 2020-2029
10.1 Germany In-store Cashback Spend Market Share by End-Use Sector, 2023
10.2 Germany In-store Cashback Spend by Retail, 2020-2029
10.3 Germany In-store Cashback Spend by Financial Services, 2020-2029
10.5 Germany In-store Cashback Spend by Healthcare & Wellness, 2020-2029
10.6 Germany In-store Cashback Spend by Restaurants & Food Delivery, 2020-2029
10.7 Germany In-store Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines), 2020-2029
10.8 Germany In-store Cashback Spend by Media & Entertainment, 2020-2029
10.9 Germany In-store Cashback Spend by Others, 2020-2029


11 Germany Mobile App Cashback Spend Market Size and Future Growth Dynamics by End-Use Sector, 2020-2029
11.1 Germany Mobile App Cashback Spend Market Share by End-Use Sector, 2023
11.2 Germany Mobile App Cashback Spend by Retail, 2020-2029
11.3 Germany Mobile App Cashback Spend by Financial Services, 2020-2029
11.5 Germany Mobile App Cashback Spend by Healthcare & Wellness, 2020-2029
11.6 Germany Mobile App Cashback Spend by Restaurants & Food Delivery, 2020-2029
11.7 Germany Mobile App Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines), 2020-2029
11.8 Germany Mobile App Cashback Spend by Media & Entertainment, 2020-2029
11.9 Germany Mobile App Cashback Spend by Others, 2020-2029


12 Germany Retail Sector Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
12.1 Germany Retail Sector Cashback Spend Market Share by Segments, 2023
12.2 Germany Cashback Spend by E-commerce, 2020-2029
12.3 Germany Cashback Spend by Department Stores, 2020-2029
12.4 Germany Cashback Spend by Specialty Stores, 2020-2029
12.5 Germany Cashback Spend by Clothing, Footwear & Accessories, 2020-2029
12.6 Germany Cashback Spend by Supermarket and Convenience Store, 2020-2029
12.7 Germany Cashback Spend by Home Improvement, 2020-2029
12.8 Germany Cashback Spend by Others, 2020-2029


13 Germany Financial Services Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
13.1 Germany Financial Services Cashback Spend Market Share by Segments, 2023
13.2 Germany Cashback Spend by Credit Cards, 2020-2029
13.3 Germany Cashback Spend by Debit Cards, 2020-2029
13.4 Germany Cashback Spend by Digital Wallets, 2020-2029
13.5 Germany Cashback Spend by Banking Apps, 2020-2029
13.6 Germany Cashback Spend by Prepaid Cards, 2020-2029
13.7 Germany Cashback Spend by Cash Vouchers, 2020-2029


14 Germany Healthcare & Wellness Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
14.1 Germany Healthcare & Wellness Cashback Spend Market Share by Segments, 2023
14.2 Germany Cashback Spend by Health Products, 2020-2029
14.3 Germany Cashback Spend by Fitness Services, 2020-2029


15 Germany Restaurants & Food Delivery Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
15.1 Germany Restaurants & Food Delivery Cashback Spend Market Share by Segments, 2023
15.2 Germany Cashback Spend by Food Delivery Apps, 2020-2029
15.3 Germany Cashback Spend by Dinning Out, 2020-2029


16 Germany Travel & Hospitality (Cabs, Hotels, Airlines) Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
16.1 Germany Travel & Hospitality (Cabs, Hotels, Airlines) Cashback Spend Market Share by Segments, 2023
16.2 Germany Cashback Spend by Airlines, 2020-2029
16.3 Germany Cashback Spend by Hotels, 2020-2029
16.4 Germany Cashback Spend by Cabs and Rideshares, 2020-2029

17 Germany Media & Entertainment Cashback Spend Market Size and Future Growth Dynamics, 2020-2029
17.1 Germany Media & Entertainment Cashback Spend Market Share by Segments, 2023
17.2 Germany Cashback Spend by Streaming Services, 2020-2029
17.3 Germany Cashback Spend by Digital Content Purchases, 2020-2029

18 Germany Cashback Spend Market Size and Future Growth Dynamics by Consumer Demographics & Behaviour, 2020-2029
18.1 Germany Cashback Spend Market Share by Age Group, 2023
18.2 Germany Cashback Spend Market Share by Income Level, 2023
18.3 Germany Cashback Spend Market Share by Gender, 2023

19 Key Company Profiles in Germany?s Cashback Market
19.1 Cashback Company Profile: Company 1
19.2 Cashback Company Profile: Company 2
19.3 Cashback Company Profile: Company 3
19.4 Cashback Company Profile: Company 4
19.5 Cashback Company Profile: Company 5



List of Figures

Figure 1: PayNXT360’s Methodology Framework
Figure 2: Germany Total Transaction Value of Cashback (US$ Million), 2020-2029
Figure 3: Germany Cashback Spend Market Share by Business Model (%), 2023
Figure 4: Germany Total Transaction Value of Cashback by Retail Firms (US$ Million), 2020-2029
Figure 5: Germany Total Transaction Value of Cashback by Partner Programs (US$ Million), 2020-2029
Figure 6: Germany Total Transaction Value of Cashback by Financial Services Firms (US$ Million), 2020-2029
Figure 7: Germany Total Cashback Spend Market Size (US$ Million), 2020-2029
Figure 8: Germany Cashback Spend Market Share by Key Indicators (%), 2023
Figure 9: Germany Cashback Spend Market Share by Business Model (%), 2023
Figure 10: Germany Cashback Spend by Retail Firms (US$ Million), 2020-2029
Figure 11: Germany Cashback Spend by Partner Programs (US$ Million), 2020-2029
Figure 12: Germany Cashback Spend by Financial Services Firms (US$ Million), 2020-2029
Figure 13: Germany Cashback Spend Market Share by Channel (%), 2023
Figure 14: Germany Cashback Spend by Online (US$ Million), 2020-2029
Figure 15: Germany Cashback Spend by In-store (US$ Million), 2020-2029
Figure 16: Germany Cashback Spend by Mobile App (US$ Million), 2020-2029
Figure 17: Germany Cashback Spend Market Share by Cashback Program Type (%), 2023
Figure 18: Germany Cashback Spend by Percentage-Based Cashback (US$ Million), 2020-2029
Figure 19: Germany Cashback Spend by Flat-Rate Cashback Programs (US$ Million), 2020-2029
Figure 20: Germany Cashback Spend by Tiered Cashback Programs (US$ Million), 2020-2029
Figure 21: Germany Cashback Spend by Introductory Cashback (US$ Million), 2020-2029
Figure 22: Germany Cashback Spend by Rotating Categories (US$ Million), 2020-2029
Figure 23: Germany Cashback Spend by Bonus Category Cashback Programs (US$ Million), 2020-2029
Figure 24: Germany Cashback Spend by Customizable Cashback Programs (US$ Million), 2020-2029
Figure 25: Germany Cashback Spend by App-Based Cashback Programs (US$ Million), 2020-2029
Figure 26: Germany Cashback Spend by Loyalty Program Cashback (US$ Million), 2020-2029
Figure 27: Germany Cashback Spend by Affiliate Cashback Programs (US$ Million), 2020-2029
Figure 28: Germany Cashback Spend by Other Cashback Programs (US$ Million), 2020-2029
Figure 29: Germany Cashback Spend Market Share by End-Use Sector (%), 2023
Figure 30: Germany Cashback Spend by Retail (US$ Million), 2020-2029
Figure 31: Germany Cashback Spend by Financial Services (US$ Million), 2020-2029
Figure 32: Germany Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Figure 33: Germany Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Figure 34: Germany Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Figure 35: Germany Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Figure 36: Germany Cashback Spend by Others (US$ Million), 2020-2029
Figure 37: Germany Online Cashback Spend Market Share by End-Use Sector (%), 2023
Figure 38: Germany Online Cashback Spend by Retail (US$ Million), 2020-2029
Figure 39: Germany Online Cashback Spend by Financial Services (US$ Million), 2020-2029
Figure 40: Germany Online Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Figure 41: Germany Online Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Figure 42: Germany Online Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Figure 43: Germany Online Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Figure 44: Germany Online Cashback Spend by Others (US$ Million), 2020-2029
Figure 45: Germany In-store Cashback Spend Market Share by End-Use Sector (%), 2023
Figure 46: Germany In-store Cashback Spend by Retail (US$ Million), 2020-2029
Figure 47: Germany In-store Cashback Spend by Financial Services (US$ Million), 2020-2029
Figure 48: Germany In-store Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Figure 49: Germany In-store Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Figure 50: Germany In-store Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Figure 51: Germany In-store Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Figure 52: Germany In-store Cashback Spend by Others (US$ Million), 2020-2029
Figure 53: Germany Mobile App Cashback Spend Market Share by End-Use Sector (%), 2023
Figure 54: Germany Mobile App Cashback Spend by Retail (US$ Million), 2020-2029
Figure 55: Germany Mobile App Cashback Spend by Financial Services (US$ Million), 2020-2029
Figure 56: Germany Mobile App Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Figure 57: Germany Mobile App Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Figure 58: Germany Mobile App Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Figure 59: Germany Mobile App Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Figure 60: Germany Mobile App Cashback Spend by Others (US$ Million), 2020-2029
Figure 61: Germany Retail Sector Cashback Spend Market Share by Segments (%), 2023
Figure 62: Germany Cashback Spend by E-commerce (US$ Million), 2020-2029
Figure 63: Germany Cashback Spend by Department Stores (US$ Million), 2020-2029
Figure 64: Germany Cashback Spend by Specialty Stores (US$ Million), 2020-2029
Figure 65: Germany Cashback Spend by Clothing, Footwear & Accessories (US$ Million), 2020-2029
Figure 66: Germany Cashback Spend by Supermarket and Convenience Store (US$ Million), 2020-2029
Figure 67: Germany Cashback Spend by Home Improvement (US$ Million), 2020-2029
Figure 68: Germany Cashback Spend by Others (US$ Million), 2020-2029
Figure 69: Germany Cashback Spend Market Share by Segments (%), 2023
Figure 70: Germany Cashback Spend by Credit Cards (US$ Million), 2020-2029
Figure 71: Germany Cashback Spend by Debit Cards (US$ Million), 2020-2029
Figure 72: Germany Cashback Spend by Digital Wallets (US$ Million), 2020-2029
Figure 73: Germany Cashback Spend by Banking Apps (US$ Million), 2020-2029
Figure 74: Germany Cashback Spend by Prepaid Cards (US$ Million), 2020-2029
Figure 75: Germany Cashback Spend by Cash Vouchers (US$ Million), 2020-2029
Figure 76: Germany Healthcare & Wellness Cashback Spend Market Share by Segments (%), 2023
Figure 77: Germany Cashback Spend by Health Products (US$ Million), 2020-2029
Figure 78: Germany Cashback Spend by Fitness Services (US$ Million), 2020-2029
Figure 79: Germany Restaurants & Food Delivery Cashback Spend Market Share by Segments (%), 2023
Figure 80: Germany Cashback Spend by Food Delivery Apps (US$ Million), 2020-2029
Figure 81: Germany Cashback Spend by Food Delivery Apps (US$ Million), 2020-2029
Figure 82: Germany Travel & Hospitality (Cabs, Hotels, Airlines) Cashback Spend Market Share by Segments (%), 2023
Figure 83: Germany Cashback Spend by Airlines e (US$ Million), 2020-2029
Figure 84: Germany Cashback Spend by Hotels (US$ Million), 2020-2029
Figure 85: Germany Cashback Spend by Cabs and Rideshares (US$ Million), 2020-2029
Figure 86: Germany Media & Entertainment Cashback Spend Market Share by Segments (%), 2023
Figure 87: Germany Cashback Spend by Streaming Services (US$ Million), 2020-2029
Figure 88: Germany Cashback Spend by Digital Content Purchases (US$ Million), 2020-2029
Figure 89: Germany Cashback Spend Market Share by Age Group (%), 2023
Figure 90: Germany Cashback Spend Market Share by Income Level (%), 2023
Figure 91: Germany Cashback Spend Market Share by Gender (%), 2023

List of Tables

Table 1: Germany Total Transaction Value of Cashback (US$ Million), 2020-2029
Table 2: Germany Total Transaction Value of Cashback by Retail Firms (US$ Million), 2020-2029
Table 3: Germany Cashback Spend by Partner Programs (US$ Million), 2020-2029
Table 4: Germany Total Transaction Value of Cashback by Financial Services Firms (US$ Million), 2020-2029
Table 5: Germany Total Cashback Spend Market Size (US$ Million), 2020-2029
Table 6: Germany Cashback Spend by Retail Firms (US$ Million), 2020-2029
Table 7: Germany Cashback Spend by Partner Programs (US$ Million), 2020-2029
Table 8: Germany Cashback Spend by Financial Services Firms (US$ Million), 2020-2029
Table 9: Germany Cashback Spend by Online (US$ Million), 2020-2029
Table 10: Germany Cashback Spend by In-store (US$ Million), 2020-2029
Table 11: Germany Cashback Spend by Mobile App (US$ Million), 2020-2029
Table 12: Germany Cashback Spend by Percentage-Based Cashback (US$ Million), 2020-2029
Table 13: Germany Cashback Spend by Flat-Rate Cashback Programs (US$ Million), 2020-2029
Table 14: Germany Cashback Spend by Tiered Cashback Programs (US$ Million), 2020-2029
Table 15: Germany Cashback Spend by Introductory Cashback (US$ Million), 2020-2029
Table 16: Germany Cashback Spend by Rotating Categories (US$ Million), 2020-2029
Table 17: Germany Cashback Spend by Bonus Category Cashback Programs (US$ Million), 2020-2029
Table 18: Germany Cashback Spend by Customizable Cashback Programs (US$ Million), 2020-2029
Table 19: Germany Cashback Spend by App-Based Cashback Programs (US$ Million), 2020-2029
Table 20: Germany Cashback Spend by Loyalty Program Cashback (US$ Million), 2020-2029
Table 21: Germany Cashback Spend by Affiliate Cashback Programs (US$ Million), 2020-2029
Table 22: Germany Cashback Spend by Other Cashback Programs (US$ Million), 2020-2029
Table 23: Germany Cashback Spend by Retail (US$ Million), 2020-2029
Table 24: Germany Cashback Spend by Financial Services (US$ Million), 2020-2029
Table 25: Germany Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Table 26: Germany Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Table 27: Germany Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Table 28: Germany Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Table 29: Germany Cashback Spend by Others (US$ Million), 2020-2029
Table 30: Germany Online Cashback Spend by Retail (US$ Million), 2020-2029
Table 31: Germany Online Cashback Spend by Financial Services (US$ Million), 2020-2029
Table 32: Germany Online Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Table 33: Germany Online Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Table 34: Germany Online Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Table 35: Germany Online Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Table 36: Germany Online Cashback Spend by Others (US$ Million), 2020-2029
Table 37: Germany In-store Cashback Spend by Retail (US$ Million), 2020-2029
Table 38: Germany In-store Cashback Spend by Financial Services (US$ Million), 2020-2029
Table 39: Germany In-store Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Table 40: Germany In-store Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Table 41: Germany In-store Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Table 42: Germany In-store Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Table 43: Germany In-store Cashback Spend by Others (US$ Million), 2020-2029
Table 44: Germany Mobile App Cashback Spend by Retail (US$ Million), 2020-2029
Table 45: Germany Mobile App Cashback Spend by Financial Services (US$ Million), 2020-2029
Table 46: Germany Mobile App Cashback Spend by Healthcare & Wellness (US$ Million), 2020-2029
Table 47: Germany Mobile App Cashback Spend by Restaurants & Food Delivery (US$ Million), 2020-2029
Table 48: Germany Mobile App Cashback Spend by Travel & Hospitality (Cabs, Hotels, Airlines) (US$ Million), 2020-2029
Table 49: Germany Mobile App Cashback Spend by Media & Entertainment (US$ Million), 2020-2029
Table 50: Germany Mobile App Cashback Spend by Others (US$ Million), 2020-2029
Table 51: Germany Cashback Spend by E-commerce (US$ Million), 2020-2029
Table 52: Germany Cashback Spend by Department Stores (US$ Million), 2020-2029
Table 53: Germany Cashback Spend by Specialty Stores (US$ Million), 2020-2029
Table 54: Germany Cashback Spend by Clothing, Footwear & Accessories (US$ Million), 2020-2029
Table 55: Germany Cashback Spend by Supermarket and Convenience Store (US$ Million), 2020-2029
Table 56: Germany Cashback Spend by Home Improvement (US$ Million), 2020-2029
Table 57: Germany Cashback Spend by Others (US$ Million), 2020-2029
Table 58: Germany Cashback Spend by Credit Cards (US$ Million), 2020-2029
Table 59: Germany Cashback Spend by Debit Cards (US$ Million), 2020-2029
Table 60: Germany Cashback Spend by Digital Wallets (US$ Million), 2020-2029
Table 61: Germany Cashback Spend by Banking Apps (US$ Million), 2020-2029
Table 62: Germany Cashback Spend by Prepaid Cards (US$ Million), 2020-2029
Table 63: Germany Cashback Spend by Cash Vouchers (US$ Million), 2020-2029
Table 64: Germany Cashback Spend by Health Products (US$ Million), 2020-2029
Table 65: Germany Cashback Spend by Fitness Services (US$ Million), 2020-2029
Table 66: Germany Cashback Spend by Food Delivery Apps (US$ Million), 2020-2029
Table 67: Germany Cashback Spend by In-store (US$ Million), 2020-2029
Table 68: Germany Cashback Spend by Airlines (US$ Million), 2020-2029
Table 69: Germany Cashback Spend by Hotels (US$ Million), 2020-2029
Table 70: Germany Cashback Spend by Cabs and Rideshares (US$ Million), 2020-2029
Table 71: Germany Cashback Spend by Streaming Services (US$ Million), 2020-2029
Table 72: Germany Cashback Spend by Digital Content Purchases (US$ Million), 2020-2029