Chinas Cards and Payments Industry: Market Research Report

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  • 1. Chinas Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape Synopsis The report provides top-level market analysis, information and insights on China’s cards and payments industry, including: Current and forecast values for each category of China’s cards and payments industry, including debit cards, credit cards, prepaid cards and charge cards Comprehensive analysis of the industry’s market attractiveness and future growth areas Analysis of various market drivers and regulations governing China’s cards and payments industry Detailed analysis of the marketing strategies adopted for selling debit, credit, charge and prepaid cards used by various bankers and other institutions in the market Comprehensive analysis of consumer attitudes and buying preferences for cards The competitive landscape of China’s cards and payments industry Executive summary During the review period (2008–2012), the Chinese card payments channel registered a CAGR of 18.42%, representing 3.9 billion cards in circulation in 2012. The channel is expected to post a forecast-period (2013–2017) CAGR of 8.06% to reach 6.1 billion cards in circulation by 2017. Changing lifestyle demographics, the popularity of online shopping and higher disposable incomes per capita supported the growth of the volume of cards in circulation. The Chinese card payments channel grew substantially both in volume and value terms during the review period. In terms of number of cards in circulation, the channel grew at a robust pace from 2.0 billion cards in 2008 to 3.9 billion cards in 2012, at a CAGR of 18.42%. Debit card category remained the largest category accounted for 82.3% of the category market share in 2012 and recorded a CAGR of 17.89% during the review period. Over the forecast period, total card volume is expected to grow at a CAGR of 8.06% to reach 6.1 billion cards by the end of 2017. In terms of transactions value, the Chinese card payments channel grew CNY9.6 trillion (US$1.4 trillion) in 2008 to CNY36.9 trillion (US$5.8 trillion) in 2012, at a CAGR of 40.15%. It is expected to grow at a CAGR of 13.96% over the forecast period from CNY46.0 trillion (US$7.3 trillion) in 2013 to CNY77.5 trillion (US$12.2 trillion) in 2017. Scope This report provides a comprehensive analysis of China’s cards and payments industry. It provides the current values for China’s cards and payments industry for 2012, and forecast figures for 2017. It details the different economic, infrastructural, consumer and business drivers affecting China’s cards and payments industry. It outlines the current regulatory framework in the industry. It details the marketing strategies used by various banks and other institutions. It profiles the major banks in China’s cards and payments industry. Reasons to buy Make strategic business decisions using top-level historic and forecast market data related to China’s cards and payments industry and each market within it. Understand the key market trends and growth opportunities within China’s cards and payments industry. Assess the competitive dynamics in China’s cards and payments industry. Gain insights into the marketing strategies used for selling various card types in China. Gain insights into key regulations governing China’s cards and payment industry. Key highlights The Chinese card payments channel grew substantially both in volume and value terms during the review period. In terms of number of cards in circulation, the channel grew at a robust pace from 2.0 billion cards in 2008 to 3.9 billion cards in 2012, at a CAGR of 18.42%. Debit cards remained the largest category, accounting for 82.3% of the channel in 2012 and recording a CAGR of 17.89% during the review period. Over the forecast period, total card volume is expected to grow at a CAGR of 8.06% to reach 6.1 billion cards by the end of 2017. Changing lifestyle demographics, the popularity of online shopping and higher disposable incomes per capita supported the growth of the volume of cards in circulation. China has an established online-commerce infrastructure. Domestic sites such as Taobao, tuan800 and 360 buy have outperformed international competitors such as ebay and Amazon. High internet penetration rates and the availability of online payment infrastructure have encouraged consumers to spend online. The Chinese credit card category is expected to attract more foreign competitors over the forecast period. Foreign banks were not permitted to issue their own credit cards until 2012, and could only circulate co-branded cards in collaboration with a Chinese counterpart. However, Citibank has been granted the first stand-alone license to deal credit cards in the Chinese market. Foreign banks will have to apply to, and be approved by, the regulatory authorities if they wish to do the same. table Of Contents 1 Executive Summary 2 Analysis Of Industry Environment, Key Trends And Drivers 2.1 Payment Infrastructure And Emerging Technologies 2.1.1 Atms 2.1.2 Pos Terminals 2.1.3 Enhanced Security Measures On Card Products 2.1.4 Internet Penetration 2.1.5 Network Related Drivers 2.2 Business Drivers 2.2.1 Growth Of Remittances 2.2.2 Retail Sector Dynamics 2.2.3 Growth Of Gift Cards And Closed-loop Cards 2.2.4 Online Commerce Growth 2.2.5 Growth Of Luxury Expenditure 2.3 Economic Drivers 2.3.1 Gdp 2.3.2 Gdp Per Capita 2.3.3 Low Unemployment Rate Chinas Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
  • 2. 3 Cards And Payments Industry Share Analysis 3.1 Overview Of The Cards And Payments Industry 3.1.1 Cash 3.1.2 Checks 3.1.3 Card Payments 3.1.4 Credit Transfer 4 Regulatory Framework And Card Fraud Statistics 4.1 Regulatory Framework 4.1.1 Cup’s Payment Guidelines 4.1.2 Anti-money Laundering Regulations Legislation 4.1.3 Foreign Direct Investment (fdi) Regulations 4.2 Card Fraud Statistics 4.2.1 Card-not-present Fraud 4.2.2 Counterfeit Cards 4.2.3 Cards Lost Or Stolen 4.2.4 Card Id Theft 5 Emerging Consumer Attitudes And Trends 5.1 Industry Segmentation And Targeting 5.1.1 Retail Segment 5.1.2 Corporate Segment 5.2 Travel And Tourism Spending 5.2.1 Outbound Tourist Volume 5.2.2 Outbound Tourist Spending 5.3 Retail Card Spending 5.3.1 Analysis By Product Categories 5.3.2 Analysis By Retail Channels 6 Analysis Of Card Payments Channel And Growth Prospects 6.1 Channel Share Analysis By Card Category 6.2 Size And Forecast Of The Card Payments Channel 6.2.1 Analysis By Number Of Cards In Circulation 6.2.2 Analysis By Transaction Value 7 Analysis Of Credit Card Payments And Growth Prospects 7.1 Overall Category Size And Forecast 7.1.1 Analysis By Volume Of Cards In Circulation 7.1.2 Analysis By Transaction Value 7.1.3 Analysis By Transaction Volume 7.2 Transaction Share Analysis By Channel 7.2.1 Analysis By Transaction Value 7.2.2 Analysis By Transaction Volume 7.3 Personal Credit Cards Size And Forecast 7.3.1 Analysis By Volume Of Cards In Circulation 7.3.2 Analysis By Transaction Value 7.3.3 Analysis By Transaction Volume 7.4 Commercial Credit Cards Sub-category Size And Forecast 7.4.1 Analysis By Number Of Cards In Circulation 7.4.2 Analysis By Transaction Value 7.4.3 Analysis By Transaction Volume 7.5 Competitive Landscape 7.5.1 Scheme Share Analysis 7.5.2 Issuer Share Analysis 8 Analysis Of Debit Card Payments And Growth Prospects 8.1 Overall Category Size And Forecast 8.1.1 Analysis By Number Of Cards In Circulation 8.1.2 Analysis By Transaction Value 8.1.3 Analysis By Transaction Volume 8.2 Transaction Share Analysis By Channel 8.2.1 Analysis By Transaction Value 8.2.2 Analysis By Transaction Volume Chinas Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
  • 3. 8.3 Competitive Landscape 8.3.1 Scheme Share Analysis 8.3.2 Issuer Share Analysis 9 Analysis Of Charge Card Payments And Growth Prospects 9.1 Overall Category Size And Forecast 9.1.1 Analysis By Number Of Cards In Circulation 9.1.2 Analysis By Transaction Value 9.1.3 Analysis By Transaction Volume 9.2 Transaction Share Analysis By Channel 9.2.1 Analysis By Transaction Value 9.2.2 Analysis By Transaction Volume 9.3 Personal Charge Cards Segment Size And Forecast 9.3.1 Analysis By Number Of Cards In Circulation 9.3.2 Analysis By Transaction Value 9.3.3 Analysis By Transaction Volume 9.4 Commercial Charge Cards Sub-category Size And Forecast 9.4.1 Analysis By Volume Of Cards In Circulation 9.4.2 Analysis By Transaction Value 9.4.3 Analysis By Transaction Volume 9.5 Competitive Landscape 9.5.1 Scheme Share Analysis 10 Analysis Of Prepaid Card Payments And Growth Prospects 10.1 Overall Category Size And Forecast 10.1.1 Analysis By Number Of Cards In Circulation 10.1.2 Analysis By Transaction Value 10.2 Open-loop Prepaid Cards Segment Size And Forecast 10.2.1 Analysis By Number Of Cards In Circulation 10.2.2 Analysis By Transaction Value 10.3 Closed-loop Prepaid Cards Segment Size And Forecast 10.3.1 Analysis By Number Of Cards In Circulation 10.3.2 Analysis By Transaction Value 11 Merchant Acquiring 11.1 Merchant Acquirers 12 Company Profiles Of Card Issuers 12.1 Shanghai Rural Commercial Bank (srcb) 12.1.1 Key Financials 12.1.2 Card Portfolio 12.1.3 Strategies 12.2 Bank Of China (boc) 12.2.1 Key Financials 12.2.2 Card Portfolio 12.2.3 Strategies 12.3 Industrial And Commercial Bank Of China Limited (icbc) 12.3.1 Key Financials 12.3.2 Card Portfolio 12.3.3 Strategies 12.4 Agricultural Bank Of China 12.4.1 Key Financials 12.4.2 Card Portfolio 12.4.3 Strategies 12.5 Citibank (china) Co., Ltd 12.5.1 Key Financials 12.5.2 Card Portfolio 12.5.3 Strategies 13 Appendix 13.1 Methodology 13.2 Contact Timetric 13.3 About Timetric Chinas Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
  • 4. 13.4 Timetric’s Services 13.5 Definitions 13.6 Disclaimer ResearchMoz(http://www.researchmoz.us/) is the one stop online destination to find and buy market research reports & Industry Analysis. We fulfill all your research needs spanning across industry verticals with our huge collection of market research reports. We provide our services to all sizes of organizations and across all industry verticals and markets. Our Research Coordinators have in-depth knowledge of reports as well as publishers and will assist you in making an informed decision by giving you unbiased and deep insights on which reports will satisfy your needs at the best price. Contact: M/s Sheela, 90 State Street, Suite 700, Albany NY - 12207 United States Tel: +1-518-618-1030 USA - Canada Toll Free 866-997-4948 Email: sales@researchmoz.us Website: http://www.researchmoz.us/ Chinas Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape