Development and Design of Pattern Cards for Platform Revenue Models

Digital platforms such as Uber, or Vinted connect suppliers and consumers and create new forms of exchange. Yet despite their success, one fundamental question remains surprisingly complex: how do these platforms actually generate their revenue?

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Development and Design of Pattern Cards for Platform Revenue Models
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Entwicklung und Gestaltung von Musterkarten für Plattformeinnahmemodelle im Kontext Digitaler Ökosysteme: Ein klassifikationsbasierter Gestaltungsansatz - HMD Praxis der Wirtschaftsinformatik

Digital ecosystems influence digital entrepreneurship by facilitating interactions between suppliers and consumers through digital platforms. This development affects companies in all industries and requires well-founded strategic decisions. German start-ups have demonstrated their ability to build digital ecosystems. A key factor for the long-term success of a digital ecosystem is the creation of a sustainable business model. This paper examines the development and design of platform revenue models in the context of digital ecosystems in Germany. A taxonomy was developed to structure the relevant dimensions and characteristics of platform revenue models. Based on this taxonomy, five patterns for platform revenue models were created and visualized as pattern cards to support the design process and encourage ideation inspired by successful existing platforms. The patterns are illustrated with practical examples from German startups, such as the transaction-based model of empto or the subscription-based model of Tyre24. The pattern cards make the theoretical models more practical by simplifying revenue model decisions into key factors. The target audience includes decision makers in digital entrepreneurship who want to develop and implement platform revenue models. The results of this work provide both academics and practitioners with a deeper understanding of different types of revenue models and offer a structured and practical guide for designing innovative platform revenue models.

In our paper, we studied how platform revenue models – the strategies platforms use to generate revenue – can be structured and designed systematically, focusing on those operating in Germany. To do so, we developed a classification-based design approach, which we translated into a practical tool: pattern cards for platform revenue models.

These cards aim to help both researchers and practitioners better understand the mechanisms behind digital business models and provide inspiration for developing new monetization strategies.

Platforms – more than just technology

Digital platforms are not merely pieces of software. They form the core of broader digital ecosystems – networks of companies, individuals, and technologies that create value together. Within these ecosystems, multiple actors collaborate and exchange resources, products, or data.

However, technical infrastructure alone does not guarantee success. A sustainable business model is crucial. Platform operators must decide which market side to monetize, what kind of pricing structure to use, and how to ensure long-term economic stability.

While existing research has discussed the general principles of digital entrepreneurship, the concrete design of platform revenue models has remained underexplored. This gap motivated our work.

Building a taxonomy for platform revenue models

Platforms generate revenue in very different ways. Some charge access fees (like Tyre24 in the automotive parts trade), others rely on transaction-based commissions (like empto in waste management), offer premium services (like Vinted), or operate through sponsorships (like nebenan.de).

Because of this diversity, comparisons are difficult. To bring structure into this variety, we developed a taxonomy of platform revenue models – a classification framework that identifies and organizes the key dimensions of platform monetization.

Our taxonomy includes different dimensions with characteristics, such as:

  • Revenue source: Who pays – the supplier, the consumer, or a third party?
  • Revenue flow: How is the revenue generated – through access, use, transaction, or advertising?
  • Pricing mechanism: Is the price fixed, variable, or negotiable?

This framework enables systematic analysis and comparison of revenue models and provides a structured foundation for both academic research and business design.

From theoretical model to practical tool

A taxonomy is valuable for classification, but we wanted to make it usable in practice. That’s why we translated it into pattern cards – concise, visually structured tools that summarize recurring types of platform revenue models.

Each pattern card describes one specific model. It includes:

  • a short explanation of the platform and its business logic,
  • a visual representation of the actors involved (the platform operator, providers, and consumers),
  • and a concise description of the relevant taxonomy dimensions.

The goal is to give decision makers in digital business a hands-on tool for exploring monetization options:
Which revenue model suits my platform idea? How should payments be structured? And which side of the market should I charge?

The concept builds on the “Business Model Navigator” by Gassmann and Frankenberger (2014) but tailors it specifically to the logic of platform revenue models.

Five real-world examples

To illustrate our cards, we analyzed five established platforms, each representing a different type of revenue model (see Figure 1 for an example card). Based on these analyses, we created a set of five pattern cards:

  1. emptoCommission-based model
    Waste management companies pay a 4% transaction fee per disposal order.
  2. Tyre24Access-based model
    Workshops pay a monthly or annual access fee (between €29 and €69) to buy parts through the platform.
  3. MyHammerContact-fee model
    Craftspeople pay for each customer contact they receive.
  4. Vinted Add-on service model
    Users can pay €25 per item for an optional verification service to boost buyer trust.
  5. nebenan.deSponsorship model
    Municipalities or organizations financially support the platform to foster local communities.
Pattern card of empto
Figure 1: Front and back of a pattern card illustrated using the example of empto

These five patterns reveal the diversity of ways in which platforms capture value – from transaction-based logic to community-driven sponsorship.

Why this matters for practitioners

The pattern cards are not just theoretical artifacts. They are designed to be used actively in strategy workshops, innovation projects, and platform design processes.

For example, a start-up founder can use the cards to evaluate questions such as:

  • Which user group should be monetized first?
  • Would a recurring subscription model or a one-time fee be more effective?
  • How do different pricing mechanisms affect user acceptance?

By making these dimensions explicit, the cards support structured and comparable decision-making in areas that are often guided by intuition alone.

This can be particularly valuable for early-stage digital ventures that need to define a viable revenue model before scaling their platform operations.

Limitations and future directions

Our approach is a starting point, not a final answer. The five pattern cards cover only a subset of all possible platform revenue types. In practice, most platforms operate with far more complex and hybrid models. For example, Tyre24 not only charges access fees but also applies transaction-based commissions, and other platforms combine multiple monetization strategies that evolve over time.

Therefore, the pattern cards should be understood as illustrative examples rather than comprehensive representations of entire revenue architectures. They capture the dominant or most visible monetization logic at a given point in time, but not the full financial interplay behind a platform business model.

Moreover, platform revenue models are dynamic. They adapt to market conditions, user behavior, and regulatory environments. What works today may not work tomorrow.

Therefore, future research could focus on:

  1. Expanding the set of pattern cards across industries and geographies.
  2. Longitudinal studies to observe how revenue models evolve over time.
  3. Empirical validation through real-world applications in start-ups and established companies.

Why now?

As digital platforms continue to transform markets, the question of monetization becomes increasingly critical. Many platforms fail not because of technical issues but because their revenue logic is unsustainable.

Our research aims to address this challenge by offering a structured, and practically applicable approach to platform monetization. By linking a rigorous taxonomy with intuitive design tools, we hope to bridge the gap between academic theory and entrepreneurial practice, and to provide a small contribution for those building the next generation of digital platforms.

Conclusion

With our pattern cards, we provide a structured and visually supported framework for analyzing and designing platform revenue models. It connects conceptual clarity with hands-on usability and helps innovators explore how digital platforms can both create and capture value sustainably. Digital platforms will remain a cornerstone of modern economies. Understanding how they earn money – and how they can do so responsibly and effectively – is essential for shaping the future of digital entrepreneurship.

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