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The Cards and Payments Industry in Germany: Emerging Trends and Opportunities to 2019

The Cards and Payments Industry in Germany: Emerging Trends and Opportunities to 2019

Synopsis

Timetric’s 'The Cards and Payments Industry in Germany: Emerging Trends and Opportunities to 2019' report provides detailed analysis of market trends in Germany's cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including check payments, credit transfers, direct debits, payment cards and cash transactions during the review period (2010–2014).The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, and transaction values and volumes during the review period and over the forecast period (2015–2019). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.The report brings together Timetric’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers details of regulatory policy, recent changes in the regulatory structure, card fraud statistics, and profiles of card issuers operating in the country.

Summary

Timetric’s 'The Cards and Payments Industry in Germany: Emerging Trends and Opportunities to 2019' report provides top-level market analysis, information and insights into Germany's cards and payments industry, including:

  • Current and forecast values for each market in Germany's cards and payments industry, including debit cards, credit and charge cards. It also includes detailed analysis of the prepaid cards market.
  • Detailed insights into payment instruments including check payments, credit transfers, direct debits, payment cards and cash transactions. It also includes an overview of the country's key alternative payment instruments.
  • Analysis of various market drivers and regulations governing Germany's cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape of Germany's cards and payments industry.
Scope
  • This report provides a comprehensive analysis of Germany's cards and payments industry.
  • It provides current values for Germany's cards and payments industry for 2014, and forecast figures to 2019.
  • It details the different economic, infrastructural and business drivers affecting Germany's cards and payments industry.
  • It outlines the current regulatory framework in the industry.
  • It details marketing strategies used by various banks and other institutions.
  • It profiles major banks in Germany's cards and payments industry.
Reasons To Buy
  • Make strategic business decisions, using top-level historic and forecast market data, related to Germany's cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in Germany's cards and payments industry.
  • Assess the competitive dynamics in Germany's cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Germany.
  • Gain insights into key regulations governing Germany's cards and payments industry.
Key Highlights
  • Germany is one of Europe’s largest payment cards markets, and is the third-largest in terms of annual card transaction value. It is still far from being recognized as a fully mature market, however, as the average number of monthly card transactions by consumers in Germany was 2.5 in 2014, much lower than France (9.4) and the UK (6.5).
  • The German credit card market is anticipated to be affected negatively by the interchange fee cap at 0.3%, especially for banks that issue Visa and MasterCard-brand credit cards. These banks are anticipated to witness severe revenue erosion and to compensate, banks are anticipated to increase annual fees or reduce reward benefits to credit cardholders, limiting credit card market growth potential.
  • NFC-based mobile payments are gradually gaining prominence in Germany, as retailers and mobile operators actively promote NFC technology to improve their business. Consumer preferences for secure payment services that allow them to purchase products are also gaining ground in Germany.


  • Definitions and Methodology
    • Definitions
      • Table Key Definitions
    • Methodology
      • Table Annual Average Exchange Rate
  • Key Facts and Events
    • Table Germany - Key Facts, 2014
    • Table Regional Benchmarking of German Payment Cards, 2014
  • Executive Summary
  • Payment Instruments
    • Current Payments Environment
    • Alternative Payment Instruments
      • Giropay
      • PayPal
      • PaySafeCard
      • Sofort
      • RatePAY
      • Barzahlen
      • BarPay
  • Regulations in the Cards and Payments Industry
    • Regulatory Framework
      • SEPA cards framework
      • Guidelines and requirements of the PSD
      • The regulation on cross-border payments in Euro
      • EPC publishes mobile contactless SEPA guidelines
      • Interchange fee regulation
    • Anti-Money Laundering (AML)
    • Foreign Direct Investment (FDI) Regulations
      • Table Germany - Mode of Entry of Foreign Banks
  • Analysis of Cards and Payments Industry Drivers
    • Demographic Drivers
    • Economic Drivers
    • Infrastructure Drivers
    • Business Drivers
  • Market Segmentation and New Product Launches
    • Market Segmentation and Targeting
      • Consumer cards
        • Table Cards for High-Income Consumers, 2015
        • Table Cards for Travelers, 2015
        • Table Cards for Shoppers, 2015
        • Table Cards for Students and Youth Population, 2015
        • Table Co-branded Cards, 2015
      • Commercial cards
        • Table Commercial Cards Comparison and Key Features, 2015
    • New Product Launches
      • Table Germany - New Product Launches
  • Payment Cards
    • Payment Card Analysis
      • Volume and value of payment card transactions by type
      • Personal vs commercial cards
  • Debit Cards
    • Debit Card Market Analysis
      • Debit card transaction volumes and values by channel
      • Debit card scheme shares in terms of number of cards in circulation and transaction value
      • Debit card issuers' market shares
      • Debit cards comparison
        • Table Germany - Debit Cards Comparison and Key Features, 2014
  • Credit Cards
    • Credit Card Market Analysis
      • Credit card transaction volumes and values by channel
      • Credit card scheme shares in terms of number of cards in circulation and transaction value
      • Pay later card issuers' market share
      • Credit cards comparison
        • Table Germany - Gold Credit Cards Comparison and Key Features, 2014
        • Table Germany - Premium Credit Cards Comparison and Key Features, 2014
  • Charge Cards
    • Charge Card Market Analysis
      • Charge card transaction volumes and values by channel
      • Charge card scheme shares in terms of number of cards in circulation and transaction value
      • Charge cards comparison
        • Table Germany - Charge Cards Comparison and Key Features, 2014
  • Commercial Cards
    • Commercial Card Market Analysis
      • Commercial cards comparison
        • Table Germany - Commercial Cards Comparison and Key Features, 2014
  • Card Fraud Statistics
    • Card Fraud Analysis
  • Card Issuers
    • Deutscher Sparkassen- und Giroverband (DSGV)
    • Bundesverband der Deutschen Volksbanken und Raiffeisenbanke (BVR)
    • Deutsche Bank
    • Commerzbank
    • Targobank
  • Prepaid Cards
    • Prepaid Card Market Analysis
      • Prepaid cards comparison
        • Table Germany - Prepaid Cards Comparison and Key Features, 2015
  • Private Label Cards
    • Private Label Card Market Analysis
  • Merchant Acquiring
    • Merchant Acquiring Market Analysis
  • Appendix
    • Tables
      • Table Germany - Payment Instrument Transaction Values (EUR Billion), 2010-2014
      • Table Germany - Payment Instrument Transaction Values (US$ Billion), 2010-2014
      • Table Germany - Payment Instrument Transaction Volumes (Million), 2010-2014
      • Table Germany - Number of Payment Cards in Circulation by Type (Million), 2010-2019
      • Table Germany - Volume of Payment Card Transactions by Type (Million), 2010-2019
      • Table Germany - Value of Payment Card Transactions by Type (EUR Billion), 2010-2019
      • Table Germany - Value of Payment Card Transactions by Type (US$ Billion), 2010-2019
      • Table Germany - Personal and Commercial Card Transaction Volumes (Million), 2010-2019
      • Table Germany - Personal and Commercial Card Transaction Values (EUR Billion), 2010-2019
      • Table Germany - Personal and Commercial Card Transaction Values (US$ Billion), 2010-2019
      • Table Germany - Number of Debit Cards in Circulation (Million), 2010-2019
      • Table Germany - Debit Card Transaction Volumes and Frequency by Channel, 2010-2019
      • Table Germany - Debit Card Total and Average Transaction Values by Channel, 2010-2019
      • Table Germany - Debit Cards Total and Average Transaction Value by Channel, 2010-2019
      • Table Germany - Number of Debit Cards in Circulation By Scheme (Million), 2010-2014
      • Table Germany - Debit Card Transaction Values By Scheme (EUR Billion), 2010-2014
      • Table Germany - Debit Card Transaction Values By Scheme (US$ Billion), 2010-2014
      • Table Germany - Debit Card Transaction Values by Issuer (EUR Billion), 2010-2014
      • Table Germany - Debit Card Transaction Values by Issuer (US$ Billion), 2010-2014
      • Table Germany - Number of Credit Cards in Circulation (Million), 2010-2019
      • Table Germany - Credit Card Transaction Volumes and Frequency by Channel, 2010-2019
      • Table Germany - Credit Card Total and Average Transaction Values by Channel, 2010-2019
      • Table Germany - Number of Credit Cards in Circulation By Scheme (Thousand), 2010-2014
      • Table Germany - Credit Card Transaction Values By Scheme (EUR Million), 2010-2014
      • Table Germany - Credit Card Transaction Values By Scheme (US$ Million), 2010-2014
      • Table Germany - Pay Later Card Transaction Values By Issuer (EUR Billion), 2010-2014
      • Table Germany - Pay Later Card Transaction Values By Issuer (US$ Billion), 2010-2014
      • Table Germany - Number of Charge Cards in Circulation (Million), 2009-2018
      • Table Germany - Charge Card Transaction Volumes and Frequency by Channel, 2009-2018
      • Table Germany - Charge Card Total and Average Transaction Values by Channel, 2009-2018
      • Table Germany - Number of Charge Cards in Circulation By Scheme (Million), 2010-2014
      • Table Germany - Charge Card Transaction Values By Scheme (EUR Billion), 2010-2014
      • Table Germany - Charge Card Transaction Values By Scheme (US$ Billion), 2009-2013
      • Table Germany - Number of Commercial Cards in Circulation (Million), 2010-2019
      • Table Germany - Commercial Card Transaction Values (EUR Billion), 2010-2019
      • Table Germany - Commercial Card Transaction Values (US$ Billion), 2010-2019
      • Table Germany - Card Fraud (EUR Million), 2010-2014
      • Table Germany - Card Fraud (US$ Million), 2010-2014
      • Table Germany - Number of Prepaid Cards in Circulation (Million), 2010-2019
      • Table Germany - Prepaid Card Transaction Values (EUR Million), 2010-2019
      • Table Germany - Prepaid Card Transaction Values (US$ Million), 2010-2019
      • Table Germany - Merchant Acquiring Transaction Volume by Card Type (Billion), 2010-2019
      • Table Germany - Merchant Acquiring Transaction Value by Card Type (EUR Billion), 2010-2019
      • Table Germany - Merchant Acquiring Transaction Value by Card Type (US$ Billion), 2010-2019
      • Table Germany - Acquirers' Transaction Volume (Million), 2010-2014
      • Table Germany - Acquirers' Transaction Value (EUR Billion), 2010-2014
      • Table Germany - Acquirers' Transaction Value (US$ Billion), 2010-2014
      • Table Germany - Retail Outlets and Merchant Accounts (Thousand), 2010-2019
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