Financial Cards in Spain

Published by: Euromonitor International

Published: Mar. 1, 2008 - 78 Pages

Table of Contents

FINANCIAL CARDS IN SPAIN

Executive Summary

Interest Rates Impact Positively on Credit Cards

the Number of Cards Issued Continues To Increase

Easing of Card Ownership Restrictions

Card Usage Facilitated by Reduced Minimum Spend Levels

Market Segmentation Increases in the Cards Industry

Foreign Entrants Boost Competition

Key Trends and Developments

Increase in the Use of Payment Cards in Tourist Resorts

Loyalty Programmes Stimulate Use of Payment Cards at Petrol/gas Stations

Banks Toughen Credit Requirements

Growing Restaurant Franchises Lead To Increased Card Usage

Supermarket Cards Becoming More Sophisticated

Operating Environment

Consumer Credit and Lending

Issuer Fraud

Acquirer Fraud

E-commerce

M-commerce

Atm and Point-of-sale Terminals

Cash Withdrawal Versus Card Purchase

Governmental Regulation and Legislation

Table 1 Rates for Credit and Debit Transactions 2006-2008

Market Indicators

Table 2 Number of POS Terminals 2004-2007

Table 3 Number of ATMs 2004-2007

Table 4 Disposable Income 2002-2007

Table 5 Consumer Credit 2002-2007

Table 6 Value Lost to Fraud 2002-2007

Market Data

Table 7 Financial Cards: Transactions 2002-2007

Table 8 Financial Cards: Value 2002-2007

Table 9 Financial Cards: Number of Cards in Circulation 2002-2007

Table 10 Financial Cards: Number of Accounts 2002-2007

Table 11 Domestic versus Foreign Spend 2007

Table 12 Card Expenditure by Sector 2007

Table 13 Card Expenditure by Location 2007

Table 14 Financial Cards: Number of Internet Transactions 2002-2007

Table 15 Financial Cards: Internet Transaction Value 2002-2007

Table 16 Financial Cards: Number of Cards by Issuer 2002-2006

Table 17 Financial Cards: Number of Cards by Operator 2002-2006

Table 18 Financial Cards: Point of Sale Transactions by Acquirer 2002-2006

Table 19 Financial Cards Forecast: Transactions 2007-2012

Table 20 Financial Cards Forecast: Value 2007-2012

Table 21 Financial Cards Forecast: Number of Cards in Circulation 2007-2012

Table 22 Financial Cards: Forecast Number of Accounts 2007-2012

Table 23 Financial Cards Forecast: Number of Internet Transactions 2007-2012

Table 24 Financial Cards Forecast: Internet Transaction Value 2007-2012

Definitions

Cards by Type

Cardholder Behaviour

Card Expenditure by Sector

Value Lost To Card Fraud

Consumer Credit

Market Background

Sources

Summary 1 Research Sources

LOCAL COMPANY PROFILES - SPAIN

Banco Bilbao Vizcaya Argentaria (bbva)

Strategic Direction

Key Facts

Summary 2 Banco Bilbao Vizcaya: Key Facts

Summary 3 Banco Bilbao Vizcaya: Operational Indicators

Company Background

Competitive Positioning

Banco Santander Central Hispano SA

Strategic Direction

Key Facts

Summary 4 Banco Santander Central Hispano SA: Key Facts

Summary 5 Banco Santander Central Hispano SA: Operational Indicators

Company Background

Competitive Positioning

Caja De Ahorros Y Monte Piedad Madrid

Strategic Positioning

Key Facts

Summary 6 Caja de Ahorros y Monte Piedad Madrid: Key Facts

Summary 7 Caja de Ahorros y Monte Piedad Madrid: Operational Indicators

Company Background

Competitive Positioning

Fundacio La Caixa

Strategic Direction

Key Facts

Summary 8 Fundacio la Caixa: Key Facts

Summary 9 Fundacio la Caixa: Operational Indicators

Company Background

Competitive Positioning

SMART CARDS IN SPAIN

Headlines

Trends

by 2008 Chip Cards Will Have To Replace Magnetic Stripe Cards

Government Department Use of Smart Cards

Smart Card Applications

Competitive Landscape

Mastercard Pay Pass Technology

La Caixa Is Leading the Way in Chip Implementation

University Smart Cards

Health Insurance and Banking Use Smart Cards Extensively

Prospects

Smart Card Technology To Integrate New Functions

Use of Smart Cards To Boom

Sector Data

Table 25 Smart Cards Sector Performance: 2002-2007

Table 26 Smart Cards Sector Performance: % Growth 2002-2007

Table 27 Smart Cards: Memory Vs Microprocessor 2004-2007

Table 28 Smart Cards: Contact Vs Contactless 2004-2007

Table 29 Smart Cards: Forecast Sector Performance: 2007-2012

Table 30 Smart Cards: Forecast Sector Performance: % Growth 2007-2012

ATM CARDS IN SPAIN

Headlines

Trends

New Atm Services

the Average Spend Per Transaction Expected To Decrease

Internet Banking Has A Negative Effect on Atm Transactions

Store Card Alliances Reduce the Need for Atm Withdrawals

Competitive Landscape

Bank Are Targeting Different Age Groups

La Caixa Is Expected To Remain the Leader

Decreasing Commissions on Withdrawals

Prospects

Positive Prospects for Atm Cards As They Represent Around 90% of Total Financial Cards in the Market

Growth of Atm Transactions Value Thanks To More Services at Terminals

La Caixa With Four Million Atm Cards

Sector Data

Table 31 ATM Cards Sector Performance: 2002-2007

Table 32 ATM Cards Sector Performance: % Growth 2002-2007

Table 33 ATM Cards: Forecast Sector Performance: 2007-2012

Table 34 ATM Cards: Forecast Sector Performance: % Growth 2007-2012

DEBIT CARDS IN SPAIN

Headlines

Trends

the Number of Debit Cards To Slightly Grow Over the Forecast Period

Value of Debit Card Transaction To Fall Over the Forecast Period

Credit Cards Are Preferred Over Debit Cards To Pay for Internet Purchases.

Bank Consolidations Limit the Number of Debit Cards in 2007

the Average Debit Card Spend Per Transaction Is Expected To Fall From 2007

Savings Banks: La Caixa and Caja Madrid Dominate the Debit Cards Market

Banks Promote Credit Cards Over Debit Cards

Reduction in Interchange Fees

Competitive Landscape

55% of Debit Card Transaction Value Accounted for by VISA Cards in 2006

La Caixa Continued To Be the Market Leader in 2006

Bsch Launches the “coca-cola Movement” To Target Young People

Bsch Customises Its Debit Cards

Prospects

Increasing European Integration of Payment Systems

Positive Economic Growth Boosts Household Expenditure

Increasing Use of Debit Cards for Daily Purchases

La Caixa and Caja Madrid Very Active in Targeting Specific Groups

Sector Data

Table 35 Debit Cards Sector Performance: 2002-2007

Table 36 Debit Cards Sector Performance: % Growth 2002-2007

Table 37 Debit Cards: Number of Cards by Issuer 2002-2006

Table 38 Debit Cards: Number of cards by Operator 2002-2006

Table 39 Debit Cards Transactions by Acquirer 2002-2006

Table 40 Debit Cards Transaction Value by Operator 2002-2006

Table 41 Debit Cards: Forecast Sector Performance: 2007-2012

Table 42 Debit Cards: Forecast Sector Performance: % Growth 2007-2012

CREDIT CARDS IN SPAIN

Headlines

Trends

Corporate Cards Incorporate A Wide Range of Facilities and Benefits

Value Per Transaction Falls As the Number of Transactions Increases

Credit Cards Used To Buy Flight Tickets

Competitive Landscape

La Caixa Continues To Lead

Mastercard Making Ground on VISA

Prospects

Sector Data

Table 43 Credit Cards Sector Performance: 2002-2007

Table 44 Credit Cards Sector Performance: % Growth 2002-2007

Table 45 Personal Credit Cards Sector Performance: 2002-2007

Table 46 Personal Credit Cards Sector Performance: % Growth 2002-2007

Table 47 Corporate Credit Cards: Sector Performance: 2002-2007

Table 48 Corporate Credit Cards: Sector Performance: % Growth 2002-2007

Table 49 Credit Cards: Number of Cards by Issuer 2002-2006

Table 50 Credit Cards: Number of cards by Operator 2002-2006

Table 51 Credit Cards Transactions by Acquirer 2002-2006

Table 52 Credit Cards Transaction Value by Operator 2002-2006

Table 53 Personal Credit Cards Transactions by Acquirer 2002-2006

Table 54 Personal Credit Cards Transaction Value by Operator 2002-2006

Table 55 Corporate Credit Cards Transactions by Acquirer 2002-2006

Table 56 Corporate Credit Cards Transaction Value by Operator 2002-2006

Table 57 Credit Cards: Forecast Sector Performance: 2007-2012

Table 58 Credit Cards: Forecast Sector Performance: % Growth 2007-2012

Table 59 Personal Credit Cards: Forecast Sector Performance: 2007-2012

Table 60 Personal Credit Cards: Forecast Sector Performance: % Growth 2007-2012

Table 61 Corporate Credit Cards: Forecast Sector Performance: 2007-2012

Table 62 Corporate Credit Cards: Forecast Sector Performance: % Growth 2007-2012

CHARGE CARDS IN SPAIN

Headlines

Trends

the Number of Charge Cards in Spain Doubles

Charge and Credit Cards Are Increasingly Being Used for Internet Purchases

Spend Per Charge Card Internet Transaction Grows

Deferred Debit Cards Are Expected To Grow by 60% Over the Forecast Period

Corporate Charge Cards Become Popular As They Reduce Administrative Costs

60% of University Students Surf the Net and 28% Make Internet Purchases

Supermarket Issue More Sophisticated Payment Cards

Competitive Landscape

La Caixa and Bbva Lead the Deferred Debit Cards Market

Mbna Is One of the Main Foreign Players in the Deferred Debit Cards Market

VISA Card Has 67% Value Share in the Personal Charge Cards Market

Prospects

Banks Consider Deferred Debit As Useful for Attracting Customers

Deferred Debit Cards Have Been Historically More Popular Than Credit Cards

Sector Data

Table 63 Charge Cards Sector Performance: 2002-2007

Table 64 Charge Cards Sector Performance: % Growth 2002-2007

Table 65 Personal Charge Cards Sector Performance: 2002-2007

Table 66 Personal Charge Cards Sector Performance: % Growth 2002-2007

Table 67 Corporate Charge Cards: Sector Performance: 2002-2007

Table 68 Corporate Charge Cards: Sector Performance: % Growth 2002-2007

Table 69 Charge Cards: Number of Cards by Issuer 2002-2006

Table 70 Charge Cards: Number of cards by Operator 2002-2006

Table 71 Charge Cards Transactions by Acquirer 2002-2006

Table 72 Charge Cards Transaction Value by Operator 2002-2006

Table 73 Personal Charge Cards Transactions by Acquirer 2002-2006

Table 74 Personal Charge Cards Transaction Value by Operator 2002-2006

Table 75 Corporate Charge Cards Transactions by Acquirer 2002-2006

Table 76 Corporate Charge Cards Transaction Value by Operator 2002-2006

Table 77 Charge Cards: Forecast Sector Performance: 2007-2012

Table 78 Charge Cards: Forecast Sector Performance: % Growth 2007-2012

Table 79 Personal Charge Cards: Forecast Sector Performance: 2007-2012

Table 80 Personal Charge Cards: Forecast Sector Performance: % Growth 2007-2012

Table 81 Corporate Charge Cards: Forecast Sector Performance: 2007-2012

Table 82 Corporate Charge Cards: Forecast Sector Performance: % Growth 2007-2012

PRE-PAID CARDS IN SPAIN

Headlines

Trends

the Number of Pre-paid Cards Fell From 2000 To 2006

Reduced Use of Prepaid Cards for Internet Transaction Up To 2005

Pre-paid Cards Offered by Banks for Internet Purchases

Increasing Functions and Applications of Pre-paid Cards

Pre-paid Cards Offered To Immigrants Without Bank Accounts

Free Pre-paid Cards

Pre-paid Cards Replace Vouchers

Competitive Landscape

Pre-paid E-purse Cards

La Caixa and El Corte Inglés Lead Pre-paid Cards

Corporate and Government Pre-paid Cards

Pre-paid Cards for Internet Transactions

Personalised Pre-paid Cards Launched by La Caixa

Bsch Launches Super E-cash Pre-paid Card

Students Pre-paid Cards

Bbva Gift Cards

Prospects

the Number of Pre-paid Cards Is Forecast To Reach Seven Million in 2012

Pre-paid Cards for Internet Purchases

Pre-paid Cards Used for Corporate Expenditure

El Corte Inglés To Offer More Gift Cards

Future Prospects for Pre-paid Cards

Sector Data

Table 83 Pre-paid Cards Sector Performance: 2002-2007

Table 84 Pre-paid Cards Sector Performance: % Growth 2002-2007

Table 85 Pre-paid Cards: Number of Cards by Issuer 2002-2006

Table 86 Pre-paid Cards: Number of cards by Operator 2002-2006

Table 87 Pre-paid Cards Transactions by Acquirer 2002-2006

Table 88 Pre-paid Cards Transaction Value by Operator 2002-2006

Table 89 Pre-paid Cards by Type 2004-2007

Table 90 Pre-paid Cards: Forecast Sector Performance: 2007-2012

Table 91 Pre-paid Cards: Forecast Sector Performance: % Growth 2007-2012

STORE CARDS IN SPAIN

Headlines

Trends

Value of Store Cards Transactions Grows Sharply

Store Cards Migrate To VISA and Mastercard

Competitive Landscape

El Corte Inglés Leads the Store Cards Market

Alcampo Store Card

Carrefour Increases Its Card Services

Main Supermarkets in Spain

VISA Is Chosen As the Preferred Payment System by Spanish Retailers

Prospects

Increased Use of Store Cards

Number of Store Cards To Considerably Grow

Sector Data

Table 92 Store Cards Sector Performance: 2002-2007

Table 93 Store Cards Sector Performance: % Growth 2002-2007

Table 94 Store Cards: Number of Cards by Issuer 2002-2006

Table 95 Store Cards Transactions by Acquirer 2002-2006

Table 96 Store Cards: Forecast Sector Performance: 2007-2012

Table 97 Store Cards: Forecast Sector Performance: % Growth 2007-2012

Abstract

Euromonitor International's Financial Cards in Spain report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

• Get a detailed picture of the financial cards industry;
• Pinpoint growth sectors and identify factors driving change;
• Understand the competitive environment, the market’s major players and leading brands;
• Use five-year forecasts to assess how the market is predicted to develop.

Euromonitor International has over 30 years experience of publishing market research reports, business reference books and online information systems. With offices in London, Chicago, Singapore, Shanghai, Vilnius and Dubai and a network of over 600 analysts worldwide, Euromonitor International has a unique capability to develop reliable information resources to help drive informed strategic planning.


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