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The Cards and Payments Industry in the Netherlands: Emerging Trends and Opportunities to 2020

The Cards and Payments Industry in the Netherlands: Emerging Trends and Opportunities to 2020

Synopsis

Timetric’s 'The Cards and Payments Industry in the Netherlands: Emerging Trends and Opportunities to 2020' report provides detailed analysis of market trends in the Dutch cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash transactions, credit transfers, direct debits and payment cards during the review period (2011–2015).

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 (2016–2020). 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 detailed regulatory policies and recent changes in regulatory structure.

Summary

Timetric’s 'The Cards and Payments Industry in the Netherlands: Emerging Trends and Opportunities to 2020' report provides top-level market analysis, information and insights into the Netherlands cards and payments industry, including:

  • Current and forecast values for each market in the Dutch cards and payments industry, including debit, credit and charge cards. It also includes detailed analysis of the prepaid card market.
  • Detailed insights into payment instruments including cash transactions, payment cards, credit transfers and direct debits. It also includes an overview of the country's key alternative payment instruments.
  • E-commerce market analysis and online payment types.
  • Analysis of various market drivers and regulations governing the Dutch 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 the Dutch cards and payments industry.
Scope
  • This report provides a comprehensive analysis of the Dutch cards and payments industry.
  • It provides current values for the Dutch cards and payments industry for 2015, and forecast figures to 2020.
  • It details the different demographic, economic, infrastructural and business drivers affecting the Dutch cards and payments industry.
  • It outlines the current regulatory framework in the industry.
  • It details marketing strategies used by various banks and other institutions.
Reasons To Buy
  • Make strategic business decisions, using top-level historic and forecast market data, related to the Dutch cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the Dutch cards and payments industry.
  • Assess the competitive dynamics in the Dutch cards and payments industry.
  • Gain insights into marketing strategies used for various card types in the Netherlands.
  • Gain insights into key regulations governing the Dutch cards and payments industry.
Key Highlights
  • Contactless technology is gradually gaining traction in the Netherlands. There were 15 million contactless cards in the country in 2015 – equivalent to 45.5% of the overall payments cards. According to the Dutch Payments Association, the number of contactless POS terminals in the country reached 56,000 – equivalent to 17.2% of overall POS terminals – by the end of 2014. Banks are increasingly embracing contactless technology to provide convenience to customers. For example, ABN Amro replaced all its payment cards with contactless variants in December 2015, enabling consumers to make payments of up to US$27.8 (EUR25) without entering a PIN. Similarly, ING Bank and Rabobank are replacing their old cards with contactless-enabled equivalents.
  • Larger banks have introduced contactless mobile payment (m-payment) solutions. The latest initiative is the launch of a contactless m-payment service by Rabobank, in partnership with mobile service provider KPN in January 2016. In December 2015, ING Bank launched a mobile banking app based on host card emulation (HCE) technology to facilitate contactless m-payments. In 2014, Vodafone, in association with Visa, launched a contactless m-payment service, Visa SmartPass, which allows consumers to pay by mobile phone at contactless POS terminals with a V Pay logo. Consumers can pay up to US$27.8 (EUR25) by waving mobile phones at contactless-enabled terminals.
  • The uptake of iDEAL, an alternative payment solution, among Dutch consumers is increasing. As of June 2015, iDEAL accounted for 56% of the online transactions made in the Netherlands, up from 54% in June 2014. It provides payment services to merchants in more than 50 markets globally, who sell to Dutch customers. The company formed an alliance with Trustly, a Swedish payment solution provider, in December 2015. With this agreement, Trustly became iDEAL's licensed Collecting Payment Service Provider, allowing it to provide payment solutions to merchants. It also formed an agreement with Alipay, the Chinese payment solution provider of the Alibaba group, to integrate the iDEAL payment option to AliExpress, the Alibaba group's online store, in March 2015. Customers purchasing online on AliExpress now have the option to pay through iDEAL.


  • Definitions and Methodology
    • Definitions
      • Table Key Definitions
    • Methodology
      • Table Annual Average Exchange Rate
  • Key Facts and Events
    • Table The Netherlands - Key Facts, 2015
    • Table Regional Benchmarking of the Netherlands's Payment Cards, 2015
  • Executive Summary
  • Payment Instruments
    • Current Payment Environment
  • E-Commerce
    • E-Commerce Market Analysis
  • Alternative Payments
    • Alternative Payment Instruments
      • iDEAL
      • SEQR
      • PayPal
      • Klarna
      • Vodafone SmartPass
  • Regulations in the Cards and Payments Industry
    • Regulatory Framework
      • SEPA cards framework
      • Anti-money laundering regulation
      • Interchange fee regulation
    • Foreign Direct Investment (FDI) Regulations
      • Table The Netherlands - Mode of Entry of Foreign Banks
  • Analysis of Cards and Payments Industry Drivers
    • Demographic Drivers
    • Economic Drivers
    • Infrastructure Drivers
    • Business Drivers
  • Market Segmentation
    • Market Segmentation and Targeting
      • Consumer cards
        • Table Cards for High-Income Consumers, 2016
        • Table Cards for Spending Cautious Consumers, 2016
        • Table Cards for Students and Young Population, 2016
      • Commercial cards
        • Table Commercial Cards Comparison and Key Features, 2016
  • Payment Cards
    • Payment Cards 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 and issuer shares in terms of transaction value
      • Debit cards comparison
        • Table The Netherlands - Debit Cards Comparison and Key Features, 2016
  • Credit Cards
    • Credit Card Market Analysis
      • Credit card transaction volumes and values by channel
      • Credit card scheme and issuer shares in terms of transaction value
      • Credit cards comparison
        • Table The Netherlands - Gold Credit Cards Comparison and Key Features, 2016
        • Table The Netherlands - Platinum Credit Cards Comparison and Key Features, 2016
  • Charge Cards
    • Charge Card Market Analysis
      • Charge card transaction volumes and values by channel
      • Charge card scheme shares in terms of transaction value
      • Charge cards comparison
        • Table The Netherlands - Charge Cards Comparison and Key Features, 2016
  • Commercial Cards
    • Commercial Card Market Analysis
      • Commercial cards comparison
        • Table The Netherlands - Commercial Cards Comparison and Key Features, 2016
  • Card Issuers
    • ING Bank N.V.
    • Rabobank
    • ABN AMRO Bank
    • SNS Bank NV
  • Prepaid Cards
    • Prepaid Cards Market Analysis
  • Merchant Acquiring
    • Merchant Acquiring Market Analysis
  • Appendix
    • Tables
      • Table The Netherlands - Payment Instrument Transaction Values (EUR Billion), 2011-2015
      • Table The Netherlands - Payment Instrument Transaction Values (US$ Billion), 2011-2015
      • Table The Netherlands - Payment Instrument Transaction Volumes (Billion), 2011-2015
      • Table The Netherlands - Number of Payment Cards in Circulation by Type (Million), 2011-2020
      • Table The Netherlands - Volume of Payment Card Transactions by Type (Million), 2011-2020
      • Table The Netherlands - Value of Payment Card Transactions by Type (EUR Billion), 2011-2020
      • Table The Netherlands - Value of Payment Card Transactions by Type (US$ Billion), 2011-2020
      • Table The Netherlands - Personal and Commercial Card Transaction Volumes (Million), 2011-2020
      • Table The Netherlands - Personal and Commercial Card Transaction Values (EUR Billion), 2011-2020
      • Table The Netherlands - Personal and Commercial Card Transaction Values (US$ Billion), 2011-2020
      • Table The Netherlands - Number of Debit Cards in Circulation (Million), 2011-2020
      • Table The Netherlands - Debit Card Transaction Volumes and Frequency by Channel, 2011-2020
      • Table The Netherlands - Debit Card Total and Average Transaction Values by Channel, 2011-2020
      • Table The Netherlands - Number of Debit Cards in Circulation by Scheme (Million), 2011-2015
      • Table The Netherlands - Debit Card Transaction Values by Scheme (EUR Billion), 2011-2015
      • Table The Netherlands - Debit Card Transaction Values by Scheme (US$ Billion), 2011-2015
      • Table The Netherlands - Debit Card Transaction Values by Issuer (EUR Billion), 2011-2015
      • Table The Netherlands - Debit Card Transaction Values by Issuer (US$ Billion), 2011-2015
      • Table The Netherlands - Number of Credit Cards in Circulation (Million), 2011-2020
      • Table The Netherlands - Credit Card Transaction Volumes and Frequency by Channel, 2011-2020
      • Table The Netherlands - Credit Card Total and Average Transaction Values by Channel, 2011-2020
      • Table The Netherlands - Number of Credit Cards in Circulation by Scheme (Million), 2011-2015
      • Table The Netherlands - Credit Card Transaction Values by Scheme (EUR Billion), 2011-2015
      • Table The Netherlands - Credit Card Transaction Values by Scheme (US$ Billion), 2011-2015
      • Table The Netherlands - Pay Later Card Transaction Values by Issuer (EUR Billion), 2011-2015
      • Table The Netherlands - Pay Later Card Transaction Values by Issuer (US$ Billion), 2011-2015
      • Table The Netherlands - Number of Charge Cards in Circulation (Million), 2011-2020
      • Table The Netherlands - Charge Card Transaction Volumes and Frequency by Channel, 2011-2020
      • Table The Netherlands - Charge Card Total and Average Transaction Values by Channel, 2011-2020
      • Table The Netherlands - Number of Charge Cards in Circulation by Scheme (Million), 2011-2015
      • Table The Netherlands - Charge Card Transaction Values by Scheme (EUR Billion), 2011-2015
      • Table The Netherlands - Charge Card Transaction Values by Scheme (US$ Billion), 2011-2015
      • Table The Netherlands - Number of Commercial Cards in Circulation (Million), 2011-2020
      • Table The Netherlands - Commercial Card Transaction Values (EUR Million), 2011-2020
      • Table The Netherlands - Commercial Card Transaction Values (US$ Million), 2011-2020
      • Table The Netherlands - Number of Prepaid Cards in Circulation (Million), 2011-2014
      • Table The Netherlands - Prepaid Card Transaction Values (EUR Million), 2011-2014
      • Table The Netherlands - Prepaid Card Transaction Values (US$ Million), 2011-2014
      • Table The Netherlands - Merchant Acquiring Transaction Volumes by Channel (Billion), 2011-2020
      • Table The Netherlands - Merchant Acquiring Transaction Values (EUR Billion), 2011-2020
      • Table The Netherlands - Merchant Acquiring Transaction Values (US$ Billion), 2011-2020
      • Table The Netherlands - Acquirers' Transaction Volumes (Million), 2011-2015
      • Table The Netherlands - Acquirers' Transaction Values (EUR Billion), 2011-2015
      • Table The Netherlands - Acquirers' Transaction Values (US$ Billion), 2011-2015
      • Table The Netherlands - Retail Outlets and Card Accepting Merchants (Thousand), 2011-2020
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