JPMorgan Chase Introduces Digital Banking Service in Germany
Telegram, the cloud-based, cross-platform social media and instant messaging service, has seen a significant surge in popularity. With over 1 billion monthly users and more than 27 million downloads in January 2025 alone, the platform is increasingly becoming a hub for various communities, particularly in the finance, tech, and wellness sectors.
One of the most notable communities on Telegram is the crypto enthusiasts, with nearly one-third of users having experience with cryptocurrencies. The platform's top-performing mini app category is crypto mini apps, boasting 87 million monthly active users. The largest channel on Telegram is Blum, a crypto ecosystem, with over 25 million subscribers.
Telegram's mini apps are a game-changer, allowing businesses to build experiences inside the app without requiring downloads or app-switching. This feature is particularly appealing in sectors like fintech, where mini apps offer a versatile use case from e-commerce and booking systems to crypto wallets and portfolio wallets, with built-in payments using cryptocurrencies or traditional methods.
In Germany, some fintech-oriented companies use Telegram and WhatsApp groups for marketing. However, several such groups linked to unauthorized or fraudulent offerings have been flagged by BaFin in August 2025, including groups like Chartered Investment Germany and various crypto trading groups that misuse company identities and promote suspicious apps. Despite this, the success of legitimate fintech marketing campaigns on Telegram specifically in Germany is not extensively documented.
Studies show that people are more likely to act on recommendations from influencers, friends, or family than on messages from brands themselves. Telegram influencers often build authentic, trust-based connections with their audiences within focused, niche communities. Brands tapping into these relationships don't have to start from zero, benefiting instead from the credibility influencers have already established.
Telegram Ads allow sponsored messages to appear in public and private channels and bots, targeting specific audiences with precision. To qualify for Telegram Ads, a channel must have over 1,000 followers, and a bot must have more than 1,000 monthly active users.
In contrast, WhatsApp Business, a dedicated app for small and medium-sized enterprises (SMEs) to communicate with customers, has recently overhauled its pricing model. It has moved away from a per-conversation pricing model to a per-message system with volume-based discounts and free utility messages within a 24-hour window.
Telegram's user base is predominantly professional and tech-savvy. Around 21% of the app's users are employed in IT and Internet-related fields. Mini apps are particularly taking off in emerging regions like Eastern Europe, India, and Latin America.
The potential of Telegram influencer marketing is significant, especially in high-value categories like finance, emerging tech, and wellness. As the platform continues to grow and evolve, it is set to play an increasingly important role in the digital marketing landscape.
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