The report provides market analysis, information and insights into Spains cards and payments market, including:
Current and forecast values for each category of Spains cards and payments industry including debit cards, credit cards, prepaid cards and charge cards
Comprehensive analysis of the industrys market attractiveness and future growth areas
Analysis of various market drivers and regulations governing Spains 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 their buying preferences for cards
Competitive landscape of Spains cards and payments industry
1. Emerging Opportunities in Spains Cards and Payments Industry: Market Size, Trends and Drivers, Strategies,
Products and Competitive Landscape
Synopsis
The report provides market analysis, information and insights into Spains cards and payments market,
including:
Current and forecast values for each category of Spains cards and payments industry including debit cards,
credit cards, prepaid cards and charge cards
Comprehensive analysis of the industrys market attractiveness and future growth areas
Analysis of various market drivers and regulations governing Spains 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 their buying preferences for cards
Competitive landscape of Spains cards and payments industry
Summary
Although the financial crisis and conservative consumer spending has hampered growth in all card categories,
the cards and payments industry in Spain is expected to recover over the forecast period, with prepaid cards
expected to show the highest growth. Closed-loop prepaid cards, anticipated to grow at a CAGR of 9.79%, are
expected to be the most promising sector with demand expected from both retail and corporate users as
consumers attempt to tighten household spending and businesses look to contain travel and employee
expenses. Growth in all card categories was impaired during the review period by conservative consumer
spending due to the financial crisis and subsequent austerity measures. The overall industry declined at a
CAGR of 3.75% in terms of transaction value, with the debit, credit, prepaid and charge card categories
recording CAGRs of 4.93%, -2.49%, -12.07% and -2.01% respectively. The total number of cards in issue fell
as customers cancelled unused or little-used cards which charged fees.
Scope
This report provides a comprehensive analysis of Spains cards and payments industry
It provides current values for Spains cards and payments industry for 2012 and forecast figures for 2017
It details the different macroeconomic, infrastructural, consumer and business drivers affecting Spains cards
and payments industry
It outlines the current regulatory framework in the industry
It details the marketing strategies used by various bankers and other institutions.
It profiles the major banks in Spains cards and payments industry
Emerging Opportunities in Spains Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Land
2. Reasons To Buy
Make strategic business decisions using historic and forecast market data related to Spains cards and
payments industry and each market within it
Understand the key market trends and growth opportunities within Spains cards and payments industry
Assess the competitive dynamics in Spains cards and payments industry
Gain insights into the marketing strategies used for selling various types of cards in Spain
Gain insights into key regulations governing Spains cards and payments industry
Key Highlights
Although the financial crisis and conservative consumer spending has hampered growth in all card categories,
the cards and payments industry in Spain is expected to recover over the forecast period, with prepaid cards
expected to show the highest growth.
Spains interchange environment is characterized by year-on-year reductions in interchange levels for both
credit and debit cards. In 2005, the Spanish Ministry of Industrys intervention to reduce maximum interchange
fees resulted in them falling from 1.75% in 2005 to 0.88% in 2009.
As unemployment rises, consumers are expected to become more cautious regarding spending. Unused or
little-used cards with maintenance or annual fees are expected to be cancelled, with many substituted by
closed-loop prepaid cards.
Online retail sales in Spain increased from EUR6.07 million in (US$4.1 million) 2008 to EUR12.5 million
(US$9.0 million) in 2012, at a CAGR of 20.01%. The preferred online payment option was credit cards, with
nearly 51% of online shoppers paying through credit cards in 2011.
1 Executive Summary
2 Attractiveness And Future Prospects For The Cards And Payments Industry
2.1 Growth Prospects In Terms Of Number Of Cards
2.2 Growth Prospects In Terms Of Transaction Value
3 Spanish Cards And Payments Industry Drivers
3.1 Economic Fundamentals
3.1.1 Gdp
3.1.2 Total Investment
3.1.3 Inflation
3.2 Infrastructure Drivers
3.2.1 Rising Mobile Penetration
3.2.2 Growth Of Internet Penetration
3.2.3 Emergence Of Emv Infrastructure
3.3 Business Drivers
3.3.1 Annual Disposable Income
3.3.2 Online Retail Sales
3.3.3 Mobile Payments
Emerging Opportunities in Spains Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Land
3. 3.4 Consumer Drivers
3.4.1 Economically Active Population
3.4.2 Internet Users
3.4.3 Mobile Phone Users
3.5 Card Fraud Statistics
3.6 Regulatory Framework
3.6.1 Aml/cft Regulations
3.6.2 Client Due Diligence Requirements
3.6.3 Regulations Affecting The Determination Of Interchange Fees
3.6.4 Prospective Regulatory Standards In Spains Cards And Payments Industry
4 Emerging Consumer Attitudes And Trends
4.1 Market Segmentation And Targeting
4.2 Consumer Preference
4.2.1 Price
4.2.2 Convenience
4.2.3 Value-added Services
4.2.4 Rewards
4.3 Online Buying Behavior
4.4 Preferred Payment Methods
5 Competitive Landscape And Industry Dynamics
5.1 Market Share Analysis By Payment Channels
5.1.1 Overview Of Payment Channels
5.2 Debit Cards
5.2.1 By Bank
5.2.2 By Scheme
5.3 Credit Cards
5.3.1 By Bank
5.3.2 By Scheme
5.4 Charge Cards
5.4.1 By Scheme
6 Strategies Adopted By Key Operators
6.1 Market Entry Strategies
6.2 Marketing And Product Strategies
6.2.1 Debit Cards
6.2.2 Credit Cards
6.2.3 Prepaid Cards
6.3 Pricing Strategies
7 Market Size And Growth Potential Of The Payments Card Industry
7.1 Market Share Analysis By Type Of Card
7.2 Total Market Size And Forecast Of Card Industry
7.2.1 Analysis By Number Of Cards
7.2.2 Analysis By Transaction Value
7.2.3 Analysis By Transaction Volume
Emerging Opportunities in Spains Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Land
4. 7.3 Debit Card Category Size And Forecast
7.3.1 Analysis By Number Of Cards
7.3.2 Analysis By Transaction Value
7.3.3 Analysis By Transaction Volume
7.3.4 Other Key Performance Indicators
7.3.5 Frequency Of Use
7.3.6 Use Of Debit Cards At Atms And Poss
7.4 Prepaid Card Category Size And Forecast
7.4.1 Analysis By Number Of Cards
7.4.2 Analysis By Segment - Closed-loop And Open-loop Cards
7.4.3 Number Of Open-loop Cards
7.4.4 Number Of Closed-loop Cards
7.4.5 Analysis By Transaction Value
7.5 Charge Card Category Size And Forecast
7.5.1 Analysis By Number Of Cards
7.5.2 Analysis By Transaction Value
7.5.3 Analysis By Transaction Volume
7.5.4 Other Key Performance Indicators
7.5.5 Frequency Of Use
7.6 Credit Card Market Size And Forecast
7.6.1 Analysis By Number Of Cards
7.6.2 Analysis By Transaction Value
7.6.3 Analysis By Transaction Volume
7.6.4 Other Key Performance Indicators
7.6.5 Frequency Of Use
7.6.6 Average Transaction Value
8 Company Profiles, Product, And Marketing Strategies
8.1 Santander Group
8.1.1 Strategies
8.1.2 Credit Cards Offered
8.1.3 Debit Cards Offered
8.2 La Caixa
8.2.1 Strategies
8.2.2 Credit Cards Offered
8.2.3 Debit Cards Offered
8.2.4 Prepaid Cards Offered
8.3 Bankia
8.3.1 Strategies
8.3.2 Credit Cards Offered
8.3.3 Debit Cards Offered
8.3.4 Prepaid Cards Offered
9 Appendix
9.1 Methodology
Emerging Opportunities in Spains Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Land
5. 9.2 Contact Us
9.3 About Timetric
9.3.1 Timetrics Approach
9.4 Services
9.5 Disclaimer
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Emerging Opportunities in Spains Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Land