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Retail Payments in The Post-SEPA Landscape (Market Focus)

Published by: Datamonitor

Published: Oct. 4, 2006 - 11 Pages


Table of Contents


DATAMONITOR VIEW
CATALYST
SUMMARY
METHODOLOGY


ANALYSIS
Pressure on payment margins is forcing banks to develop new customer segments
The payments industry continues to be a volume game
Downwards pressure on charges increases as the industry continues to be ever more competitive
Required spend on payments is often largely outside of the banks control...
However, the sub-prime market offer an rare opportunity for new revenue generation in some markets
SEPA will open up the European payments industry for players worldwide
Banks in the Eurozone will feel the brunt of the SEPA initiative
European banks outside of the Eurozone will not be priorities in the short term
SEPA will open up competition with banks outside of Europe
The impact of SEPA will drive consolidation across the payments industry
Pan European Automated Clearing Houses (PE-ACHs) are emerging
Domestic debit card schemes are all but certain to disappear over the long term
Payment processor service providers are gaining market share
As payments borders come down in Europe, so the opportunities for fraud will increase
The benefits of the EMV directive are showing...
... but fraud and risk management remain major problem as the payments industry evolves under SEPA

APPENDIX
Further reading
Ask the analyst


List of Figures
Figure 1: European retail banks regulatory spend drivers
Figure 2: Fraud losses in the UK

Abstract

Introduction

The payments industry is already under significant pressure, with fierce competition eroding margins. However, this is set to intensify over the next few years as the SEPA initiative drives the upheaval of the industry.

Scope
  • Primarily covers the European payments market
  • Areas covered include market challenges, the impact of SEPA and fraud issues
Highlights

Due to the lack of significant profit generation opportunities, banks are often reluctant to make any investments in their payments infrastructure. As a result, changes in the payments landscape are often driven by regulation (or the threat of it) rather than from internal necessity.

Payment processor service providers are an attractive proposition, particularly for smaller, or domestically focused banks which do not have the volume, either domestically or cross-border to merit investing in SEPA compliant payment processing themselves.

SEPA means that it will be necessary for banks to issue and acquire cards across the region. While card issuing should be easier from a theoretical point of view, security and risk issues concerning access to credit scoring, references and other customer information are likely to make it harder to put into practice.

Reasons to Purchase
  • Gain visibility into the dynamics of the European retail payments market
  • Gain market insight to assist in your strategic planning and go-to-market strategy


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