{"id":113874,"date":"2026-09-21T07:00:00","date_gmt":"2026-09-21T07:00:00","guid":{"rendered":"https:\/\/mybusinessfuture.com\/?p=113874"},"modified":"2026-10-15T19:06:04","modified_gmt":"2026-10-15T19:06:04","slug":"kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros","status":"publish","type":"post","link":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/","title":{"rendered":"KfW: Mittelstand cuts digital spending by eight billion"},"content":{"rendered":"<p style=\"margin:0 0 1.5em 0;\"><span style=\"background:#e8e8e8;padding:4px 12px;border-radius:3px;font-size:0.85em;\">3 min read<\/span><\/p>\n<p><strong>Seven in ten businesses completed no digital project over three years. Spending fell by around eight billion euros. Those with an existing digital foundation get more from the next euro.<\/strong><\/p>\n<div style=\"background:#202528;color:#fff;padding:32px 36px;margin:32px 0;border-radius:8px;\">\n<p style=\"margin:0 0 18px 0;font-size:0.95em;font-weight:800;text-transform:uppercase;letter-spacing:0.2em;color:#e8828d;border-bottom:2px solid rgba(232,130,141,0.3);padding-bottom:12px;\">Key takeaways<\/p>\n<ul style=\"margin:0;padding-left:22px;color:rgba(255,255,255,0.92);line-height:1.6;\">\n<li style=\"margin-bottom:12px;\"><strong style=\"color:#e8828d;\">Participation:<\/strong> 30 percent of firms completed a digital project between 2022 and 2024, five points fewer than before. That means around 200,000 fewer businesses, with just under 1.2 million still active.<\/li>\n<li style=\"margin-bottom:12px;\"><strong style=\"color:#e8828d;\">Budget:<\/strong> Spending fell to just under 24 billion euros in 2024. Active firms still spent around 25,000 euros on average.<\/li>\n<li style=\"margin-bottom:12px;\"><strong style=\"color:#e8828d;\">Gap:<\/strong> Businesses with 50 or more employees spend almost 19 times as much as the smallest firms. Before the pandemic, the ratio was 17 to one.<\/li>\n<li><strong style=\"color:#e8828d;\">90 days:<\/strong> A stated deadline, a named owner, a measurable metric. Without these, the next outlay achieves nothing.<\/li>\n<\/ul>\n<\/div>\n<p style=\"margin:32px 0 56px 0;padding-top:20px;font-size:0.95em;color:#444;\"><strong>Related:<\/strong> <a href=\"https:\/\/mybusinessfuture.com\/kfw-business-survey-2026-investitionen-mittelstand-kreditnachfrage\/\" style=\"color:#c0392b;\">Mittelstand slows investment despite the need<\/a> \u00b7 <a href=\"https:\/\/mybusinessfuture.com\/finanzierungsklima-q2-2026-kredite-eng-kapital-da\/\" style=\"color:#c0392b;\">Financing climate Q2 2026: Tight lending, available capital<\/a><\/p>\n<p style=\"line-height:1.8;margin:0 0 28px 0;padding-top:32px;\"><strong>What is digital capital?<\/strong> KfW includes spending on software, IT infrastructure and digital applications. The accumulated stock represents a firm&#8217;s digital capital. Physical investment in machinery and buildings sits alongside this foundation; it does not replace it.<\/p>\n<h2 style=\"padding-top:64px;margin-bottom:20px;\">The next euro has unequal impact<\/h2>\n<p style=\"line-height:1.8;margin:0 0 1.25em 0;\">KfW&#8217;s survey for 2022 to 2024 is the fifth wave of the KfW-Digitalisierungsbericht Mittelstand. Seven in ten businesses completed no digital project during those three years. The participation rate fell five points to 30 percent. Around 200,000 fewer firms than in the previous wave; just under 1.2 million remained active. The slump affects every group surveyed within the German Mittelstand. Participation fell most sharply in research-intensive manufacturing (down 12 percentage points) and internationally active companies (down 6). Regionally active firms and businesses conducting their own research lost only three points.<\/p>\n<p style=\"line-height:1.8;margin:0 0 1.25em 0;\">Digitalisation spending fell by 8.1 billion euros to 23.8 billion euros in 2024, a decline of 8.6 billion after inflation. Firms still completing projects maintained their budgets. Active firms still spent around 25,000 euros on average in 2024. Total spending is falling because fewer businesses finish projects. Physical investment stood at 256 billion euros. Digital spending thus represents around one-eleventh of conventional investment.<\/p>\n<h2 style=\"padding-top:64px;margin-bottom:20px;\">The gap remains rooted in the foundation<\/h2>\n<p style=\"line-height:1.8;margin:0 0 1.25em 0;\">ZEW and KfW measure this foundation as digital capital. Ten percent more digital capital is associated with around 0.16 percent higher labour productivity on average. In the top quarter, the figure is around 0.81 percent, roughly five times as much. This group holds around 157,000 euros in digital capital. A new tool achieves little without a foundation. The next euro has impact where software, infrastructure and applications already exist.<\/p>\n<div style=\"overflow-x:auto;margin:0 0 28px 0;\">\n<table style=\"min-width:560px;width:100%;border-collapse:collapse;font-size:0.95em;\">\n<thead>\n<tr>\n<th style=\"text-align:left;padding:10px 12px;border-bottom:2px solid #202528;background:#f4f5f6;\">2024 measure<\/th>\n<th style=\"text-align:left;padding:10px 12px;border-bottom:2px solid #202528;background:#f4f5f6;\">Small firms<\/th>\n<th style=\"text-align:left;padding:10px 12px;border-bottom:2px solid #202528;background:#f4f5f6;\">50 or more employees<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">Average digital budget<\/td>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">just under 10,000 euros<\/td>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">just under 189,000 euros<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">Gap<\/td>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">Factor of 19<\/td>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">factor of 17 before the pandemic<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"line-height:1.8;margin:8px 0 0 0;font-size:0.9em;color:#555;\">Source: KfW-Digitalisierungsbericht Mittelstand 2025, April 2026.<\/p>\n<\/div>\n<p style=\"line-height:1.8;margin:0 0 1.25em 0;\">Relative to revenue, costs weigh more heavily on small firms. KfW identifies barriers including a shortage of IT specialists and a lack of broad digital skills, financing, strategies without implementation, infrastructure, data security and data protection.<\/p>\n<h2 style=\"padding-top:64px;margin-bottom:20px;\">90 days, three metrics<\/h2>\n<p style=\"line-height:1.8;margin:0 0 1.25em 0;\">The report describes the situation. Each firm must set its own plan. Knowing just one figure after 90 days means there is still no plan. Three metrics offer a starting point: existing digital capital, the next completed project and the gap with comparable firms.<\/p>\n<div style=\"overflow-x:auto;margin:0 0 28px 0;\">\n<table style=\"min-width:560px;width:100%;border-collapse:collapse;font-size:0.95em;\">\n<thead>\n<tr>\n<th style=\"text-align:left;padding:10px 12px;border-bottom:2px solid #202528;background:#f4f5f6;\">Deadline<\/th>\n<th style=\"text-align:left;padding:10px 12px;border-bottom:2px solid #202528;background:#f4f5f6;\">Focus<\/th>\n<th style=\"text-align:left;padding:10px 12px;border-bottom:2px solid #202528;background:#f4f5f6;\">Metric<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">30 days<\/td>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">Existing digital capital<\/td>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">Software, infrastructure and applications already in the business<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">60 days<\/td>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">One completed initiative<\/td>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">A dated project that would count in the next KfW survey wave<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">90 days<\/td>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">Gap with comparable firms<\/td>\n<td style=\"padding:10px 12px;border-bottom:1px solid #e5e7eb;\">Budget and digital capital compared with firms of equal size<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"line-height:1.8;margin:8px 0 0 0;font-size:0.9em;color:#555;\">Source: Derived from the KfW-Digitalisierungsbericht Mittelstand 2025; deadlines set by the editorial team.<\/p>\n<\/div>\n<p style=\"line-height:1.8;margin:0 0 1.25em 0;\">Without an owner and deadline, the next budget item remains a planning figure. The report shows that the foundation determines impact before the next project delivers. Firms tracking these three metrics with deadlines and owners will have a figure after one quarter to compare with the next KfW survey wave.<\/p>\n<h2 style=\"padding-top:64px;margin-bottom:20px;\">Frequently asked questions<\/h2>\n<details>\n<summary><strong>What does KfW count as a digitalisation project?<\/strong><\/summary>\n<p>Completed projects involving software, IT infrastructure or digital applications. Projects underway or planned do not count towards this rate.<\/p>\n<\/details>\n<details>\n<summary><strong>Why is total spending falling if active firms keep investing?<\/strong><\/summary>\n<p>Because fewer firms complete projects. Those remaining active in 2024 maintained their digital budgets. The decline reflects fewer participants.<\/p>\n<\/details>\n<details>\n<summary><strong>What does this mean for a firm with fewer than five employees?<\/strong><\/summary>\n<p>The budget in 2024 was just under 10,000 euros, compared with just under 189,000 euros for firms with 50 or more employees. Small firms bear a greater burden relative to revenue. The first euro invested in the foundation matters more than the twentieth spent on an additional application.<\/p>\n<\/details>\n<h2 style=\"padding-top:64px;margin-bottom:20px;\">Further reading<\/h2>\n<ul>\n<li><a href=\"https:\/\/mybusinessfuture.com\/investitionsstau-wie-ki-verborgene-budgets-freilegt\/\">Investment backlog: How AI uncovers hidden budgets<\/a><\/li>\n<li><a href=\"https:\/\/mybusinessfuture.com\/ki-check-interview-evernine\/\">Money left on the table: What an AI check reveals<\/a><\/li>\n<li><a href=\"https:\/\/mybusinessfuture.com\/fachkraeftemangel-mittelstand-automatisierung-ki-hebel\/\">Skills shortages in the Mittelstand: 6 effective levers<\/a><\/li>\n<\/ul>\n<p style=\"border-top:1px solid #e9ecef;padding-top:36px;margin:44px 0 18px;font-weight:700;font-size:1.05em;color:#1a1a1a;\">More from the MBF Media Network<\/p>\n<div style=\"padding:14px 18px;border-left:3px solid #0bb7fd;background:#fafafa;margin-bottom:6px;\">\n<div style=\"font-size:0.7em;font-weight:700;color:#0bb7fd;text-transform:uppercase;letter-spacing:0.12em;margin-bottom:4px;\">cloudmagazin<\/div>\n<p><a href=\"https:\/\/www.cloudmagazin.com\/en\/2026\/10\/04\/kolibri-a-german-ai-model-for-your-own-data-center\/\" style=\"font-weight:600;line-height:1.4;color:#1a1a1a;text-decoration:none;\">Kolibri: A German AI Model for Your Own Data Center<\/a><\/p>\n<\/div>\n<div style=\"padding:14px 18px;border-left:3px solid #d65663;background:#fafafa;margin-bottom:6px;\">\n<div style=\"font-size:0.7em;font-weight:700;color:#d65663;text-transform:uppercase;letter-spacing:0.12em;margin-bottom:4px;\">digital-chiefs<\/div>\n<p><a href=\"https:\/\/www.digital-chiefs.de\/en\/quantum-migration-without-inventory-stays-blind\/\" style=\"font-weight:600;line-height:1.4;color:#1a1a1a;text-decoration:none;\">Quantum computers will later read what attackers store today<\/a><\/p>\n<\/div>\n<div style=\"padding:14px 18px;border-left:3px solid #69d8ed;background:#fafafa;\">\n<div style=\"font-size:0.7em;font-weight:700;color:#69d8ed;text-transform:uppercase;letter-spacing:0.12em;margin-bottom:4px;\">securitytoday<\/div>\n<p><a href=\"https:\/\/www.securitytoday.de\/en\/2026\/09\/25\/ai-agents-steel-600000-credit-card-data\/\" style=\"font-weight:600;line-height:1.4;color:#1a1a1a;text-decoration:none;\">AI Agents Steal 600,000 Credit Card Records<\/a><\/p>\n<\/div>\n<p style=\"text-align:right;color:#5f5f5f;font-size:0.75em;margin-top:40px;\"><em>Image Source: AI-generated (September 2026)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The pandemic boost is over. Firms cutting spending now widen the gap with businesses that already have a digital foundation.<\/p>\n","protected":false},"author":195,"featured_media":112691,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"Digital budget","_yoast_wpseo_title":"KfW: Mittelstand cuts digital spending by eight billion","_yoast_wpseo_metadesc":"The pandemic boost is over. Firms cutting spending now widen the gap with businesses that already have a digital foundation.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_meta-robots-adv":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":0,"_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":0,"featured_post_sortierung":0,"featured_post":0,"pre_headline":"","bildquelle":"","teasertext":"","language":"de","_evm_slot_owner":"","_evm_translation_lang":"","_wp_old_slug":[],"footnotes":""},"categories":[1280],"tags":[],"class_list":["post-113874","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-it-tech","entry"],"evm_reading_time_minutes":5,"wpml_language":"en","wpml_translation_of":112544,"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>KfW: Mittelstand cuts digital spending by eight billion<\/title>\n<meta name=\"description\" content=\"The pandemic boost is over. Firms cutting spending now widen the gap with businesses that already have a digital foundation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KfW: Mittelstand cuts digital spending by eight billion\" \/>\n<meta property=\"og:description\" content=\"The pandemic boost is over. Firms cutting spending now widen the gap with businesses that already have a digital foundation.\" \/>\n<meta property=\"og:url\" content=\"https%3A%2F%2Fmybusinessfuture.com%2Fen%2Fkfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros%2F\/\" \/>\n<meta property=\"og:site_name\" content=\"MyBusinessFuture\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MyBusinessFuture\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-21T07:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-15T19:06:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2026\/09\/kfw-digitalbudget-bricht-um-acht-milliarden-ein-cover-hero.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eva Mickler\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@mbusinessfuture\" \/>\n<meta name=\"twitter:site\" content=\"@mbusinessfuture\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eva Mickler\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/\"},\"author\":{\"name\":\"Eva Mickler\",\"@id\":\"https:\/\/mybusinessfuture.com\/en\/#\/schema\/person\/a01cae57f652143499b8465d01affd99\"},\"headline\":\"KfW: Mittelstand cuts digital spending by eight billion\",\"datePublished\":\"2026-09-21T07:00:00+00:00\",\"dateModified\":\"2026-10-15T19:06:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/\"},\"wordCount\":791,\"publisher\":{\"@id\":\"https:\/\/mybusinessfuture.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2026\/09\/kfw-digitalbudget-bricht-um-acht-milliarden-ein-cover-hero.jpg\",\"articleSection\":[\"IT &amp; Tech\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/\",\"url\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/\",\"name\":\"KfW: Mittelstand cuts digital spending by eight billion\",\"isPartOf\":{\"@id\":\"https:\/\/mybusinessfuture.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2026\/09\/kfw-digitalbudget-bricht-um-acht-milliarden-ein-cover-hero.jpg\",\"datePublished\":\"2026-09-21T07:00:00+00:00\",\"dateModified\":\"2026-10-15T19:06:04+00:00\",\"description\":\"The pandemic boost is over. Firms cutting spending now widen the gap with businesses that already have a digital foundation.\",\"breadcrumb\":{\"@id\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#primaryimage\",\"url\":\"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2026\/09\/kfw-digitalbudget-bricht-um-acht-milliarden-ein-cover-hero.jpg\",\"contentUrl\":\"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2026\/09\/kfw-digitalbudget-bricht-um-acht-milliarden-ein-cover-hero.jpg\",\"width\":1280,\"height\":720,\"caption\":\"Bildquelle: KI-generiert (September 2026)\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\/\/mybusinessfuture.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"KfW: Mittelstand cuts digital spending by eight billion\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/mybusinessfuture.com\/en\/#website\",\"url\":\"https:\/\/mybusinessfuture.com\/en\/\",\"name\":\"MyBusinessFuture\",\"description\":\"B2B-Magazin f\u00fcr Digitalisierung, KI und Business-Innovation \u2014 Fachartikel f\u00fcr IT-Entscheider im DACH-Raum\",\"publisher\":{\"@id\":\"https:\/\/mybusinessfuture.com\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/mybusinessfuture.com\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/mybusinessfuture.com\/en\/#organization\",\"name\":\"MyBusinessFuture\",\"url\":\"https:\/\/mybusinessfuture.com\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mybusinessfuture.com\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2020\/10\/MBF-logo-schwarz.png\",\"contentUrl\":\"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2020\/10\/MBF-logo-schwarz.png\",\"width\":398,\"height\":241,\"caption\":\"MyBusinessFuture\"},\"image\":{\"@id\":\"https:\/\/mybusinessfuture.com\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/MyBusinessFuture\",\"https:\/\/x.com\/mbusinessfuture\",\"https:\/\/www.linkedin.com\/showcase\/mybusinessfuture\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/mybusinessfuture.com\/en\/#\/schema\/person\/a01cae57f652143499b8465d01affd99\",\"name\":\"Eva Mickler\",\"description\":\"Eva Mickler ist Online-Marketing-Expertin mit langj\u00e4hriger Erfahrung in der strategischen Beratung von KMU. Bei MyBusinessFuture schreibt sie \u00fcber digitale Vermarktung, Lead-Generierung und datengetriebene Kommunikationsstrategien.\",\"url\":\"https:\/\/mybusinessfuture.com\/en\/experte\/eva-mickler\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"KfW: Mittelstand cuts digital spending by eight billion","description":"The pandemic boost is over. Firms cutting spending now widen the gap with businesses that already have a digital foundation.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/","og_locale":"en_US","og_type":"article","og_title":"KfW: Mittelstand cuts digital spending by eight billion","og_description":"The pandemic boost is over. Firms cutting spending now widen the gap with businesses that already have a digital foundation.","og_url":"https%3A%2F%2Fmybusinessfuture.com%2Fen%2Fkfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros%2F\/","og_site_name":"MyBusinessFuture","article_publisher":"https:\/\/www.facebook.com\/MyBusinessFuture","article_published_time":"2026-09-21T07:00:00+00:00","article_modified_time":"2026-10-15T19:06:04+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2026\/09\/kfw-digitalbudget-bricht-um-acht-milliarden-ein-cover-hero.jpg","type":"image\/jpeg"}],"author":"Eva Mickler","twitter_card":"summary_large_image","twitter_creator":"@mbusinessfuture","twitter_site":"@mbusinessfuture","twitter_misc":{"Written by":"Eva Mickler","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#article","isPartOf":{"@id":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/"},"author":{"name":"Eva Mickler","@id":"https:\/\/mybusinessfuture.com\/en\/#\/schema\/person\/a01cae57f652143499b8465d01affd99"},"headline":"KfW: Mittelstand cuts digital spending by eight billion","datePublished":"2026-09-21T07:00:00+00:00","dateModified":"2026-10-15T19:06:04+00:00","mainEntityOfPage":{"@id":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/"},"wordCount":791,"publisher":{"@id":"https:\/\/mybusinessfuture.com\/en\/#organization"},"image":{"@id":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#primaryimage"},"thumbnailUrl":"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2026\/09\/kfw-digitalbudget-bricht-um-acht-milliarden-ein-cover-hero.jpg","articleSection":["IT &amp; Tech"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/","url":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/","name":"KfW: Mittelstand cuts digital spending by eight billion","isPartOf":{"@id":"https:\/\/mybusinessfuture.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#primaryimage"},"image":{"@id":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#primaryimage"},"thumbnailUrl":"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2026\/09\/kfw-digitalbudget-bricht-um-acht-milliarden-ein-cover-hero.jpg","datePublished":"2026-09-21T07:00:00+00:00","dateModified":"2026-10-15T19:06:04+00:00","description":"The pandemic boost is over. Firms cutting spending now widen the gap with businesses that already have a digital foundation.","breadcrumb":{"@id":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#primaryimage","url":"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2026\/09\/kfw-digitalbudget-bricht-um-acht-milliarden-ein-cover-hero.jpg","contentUrl":"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2026\/09\/kfw-digitalbudget-bricht-um-acht-milliarden-ein-cover-hero.jpg","width":1280,"height":720,"caption":"Bildquelle: KI-generiert (September 2026)"},{"@type":"BreadcrumbList","@id":"https:\/\/mybusinessfuture.com\/en\/kfw-german-mittelstand-cuts-digital-spending-by-eight-billion-euros\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/mybusinessfuture.com\/en\/"},{"@type":"ListItem","position":2,"name":"KfW: Mittelstand cuts digital spending by eight billion"}]},{"@type":"WebSite","@id":"https:\/\/mybusinessfuture.com\/en\/#website","url":"https:\/\/mybusinessfuture.com\/en\/","name":"MyBusinessFuture","description":"B2B-Magazin f\u00fcr Digitalisierung, KI und Business-Innovation \u2014 Fachartikel f\u00fcr IT-Entscheider im DACH-Raum","publisher":{"@id":"https:\/\/mybusinessfuture.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mybusinessfuture.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/mybusinessfuture.com\/en\/#organization","name":"MyBusinessFuture","url":"https:\/\/mybusinessfuture.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mybusinessfuture.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2020\/10\/MBF-logo-schwarz.png","contentUrl":"https:\/\/mybusinessfuture.com\/wp-content\/uploads\/2020\/10\/MBF-logo-schwarz.png","width":398,"height":241,"caption":"MyBusinessFuture"},"image":{"@id":"https:\/\/mybusinessfuture.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MyBusinessFuture","https:\/\/x.com\/mbusinessfuture","https:\/\/www.linkedin.com\/showcase\/mybusinessfuture\/"]},{"@type":"Person","@id":"https:\/\/mybusinessfuture.com\/en\/#\/schema\/person\/a01cae57f652143499b8465d01affd99","name":"Eva Mickler","description":"Eva Mickler ist Online-Marketing-Expertin mit langj\u00e4hriger Erfahrung in der strategischen Beratung von KMU. Bei MyBusinessFuture schreibt sie \u00fcber digitale Vermarktung, Lead-Generierung und datengetriebene Kommunikationsstrategien.","url":"https:\/\/mybusinessfuture.com\/en\/experte\/eva-mickler\/"}]}},"_links":{"self":[{"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/posts\/113874","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/users\/195"}],"replies":[{"embeddable":true,"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/comments?post=113874"}],"version-history":[{"count":9,"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/posts\/113874\/revisions"}],"predecessor-version":[{"id":114310,"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/posts\/113874\/revisions\/114310"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/media\/112691"}],"wp:attachment":[{"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/media?parent=113874"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/categories?post=113874"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mybusinessfuture.com\/en\/wp-json\/wp\/v2\/tags?post=113874"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}