发布时间：2008.3

摘要

Countries covered: Global

This report analyzes the worldwide markets for Debit Cards in million units. The report provides separate comprehensive analytics for the US, Canada, Japan, Europe, Asia-Pacific, Latin America and Rest of World. Annual forecasts are provided for each region for the period of 2003 through 2012.

The report profiles 175 companies including many key and niche players worldwide such as Bank of America Corporation, Barclays Plc, China Merchants Bank Co., Ltd, Citigroup, Inc., Citibank Inc., Crédit Agricole S.A, Deutsche Bank AG, Direct Response Financial Services, Inc., HSBC Holdings Plc, ING Group N.V., JPMorgan Chase & Co., Laser Card Services Ltd., Lloyds TSB Group Plc, The Royal Bank of Scotland Group Plc, S2 Card Services Ltd., State Bank of India, Wachovia Corporation, Washington Mutual, Inc., Wells Fargo & Company, SA Banksys NV, First Data Corporation, STAR® Networks, Inc., Metavante Corporation, MasterCard Worldwide, PULSE EFT Association, Inc., SSB SPA, and Visa U.S.A., Inc. Market data and analytics are derived from primary and secondary research. Company profiles are mostly extracted from URL research and reported select online sources.

Please note: Reports are sold as single-site single-user licenses. The delivery time for hard copies is between 3-5 business days, as each hard copy is custom printed for the organization ordering it. Electronic versions require 24-48 hours as each copy is customized to the client with digital controls and custom watermarks. The Publisher uses digital controls protecting against copying and printing is restricted to one full copy to be used at the same location.

Adobe Acrobat Reader 7.0 is required to view the report. Upon ordering an electronic version, the Publisher will provide a link to download the purchased report.

Titles available via "online download" are not affected by this and are still delivered to your reading room immediately.

Prior to fulfillment of an order, the client will be required to sign a document detailing the purchase terms for a publication from this publisher.

目录及图表

I. INTRODUCTION, METHODOLOGY & PRODUCT DEFINITIONS

Study Reliability and Reporting Limitations

Disclaimers

Data Interpretation & Reporting Level

Quantitative Techniques & Analytics

Product Definitions and Scope of Study

Debit Card

Prepaid Debit Cards

Online or PIN Debit Cards

Offline or Signature Debit Cards

II. EXECUTIVE SUMMARY

1. Industry Overview

Payment Cards Industry - An Overview

Table 1: Global Financial Cards Industry (2005): Percentage Breakdown of Leading Countries by Number of Cards (includes corresponding Graph/Chart)

Technological Innovations Drive Up Card Transactions

Cards Replace Cash and Paper Transactions

Debit Cards - A Convenient Cash-Less Payment System

Current and Future Analysis

Asia-Pacific - Riding on Chinese Debit Card Success

2. Market Dynamics

Small Value Transactions to Drive Growth in Debit Cards Arena

Intensifying Consolidation in European Card Processing Sector

Asia-Pacific Drives Global Debit Card Use

Growing Use of Cards for Payment of Recurring Bills

Card Companies Focus on Select Consumer Segments

Card Associations Intensify Campaign for Prepaid Cards

Fraud Facilitates Development of New Technologies

Contactless Technology to Fight Fraudulent Transactions

Debit Cards Use Rises During Holiday Season

Technology to Overcome Inadequacies in Infrastructure

Non-Banking Agencies to Counter the Dominance of Associations

Debit Cards for New Mobile Payment System

3. Major Issues Influencing Debit Cards Market

Interchange Fee - A Contentious issue

Visa and MasterCard Face Legal Implications

Security - A Key Concern for Issuing Banks

SEPA Set to Restructure Debit Cards Payment System in EU

Absence of Debit Interchange Programs Affects European Income Levels

Alternative Online Payment Modes - A Threat to Debit Cards

ACH System - A Major Challenge Facing Debit Cards Industry

Merchant Resistance Obstructs Debit Card Adoption

Rising Fraud in PIN Debit Transactions Worries Consumers

Expensive Overdraft Fees Raises Concern

4. Product Overview

Debit Cards - A Conceptual Definition

Debit Cards in Force Across the World

Debit Card - A Commodity Product

Debit Card Penetration & Activation

Authorization Hold - Saving Retailers from Risk

Electronic Funds Transfer Point of Sale (EFTPOS)

Transaction Processing in Debit Cards

Process Flow for Online Debit Transactions

Process Flow in Signature Debit Transactions

Electronic Funds Transfer Networks (EFT) Networks

Visa & MasterCard - Principal Global Debit Brands

Reward Programs Gain Popularity

Prepaid Bank Debit Cards

Prepaid or Stored Value Card

Common Applications of Prepaid Debit Cards

Transfer of Funds

Retail Debit Cards

Payroll Debit Cards

Health Debit Cards

Prepaid Cards - Challenges & Opportunities

Advantages of Debit Cards

Disadvantages of Debit Cards

Growth Drivers

Market Restraints

5. Types of Debit Cards

Online or PIN Debit Cards

Offline or Signature Debit Cards

PIN Vs Signature Debit Transaction Fee

“Credit” and “Debit” Purchases

PIN Faces Competition from Contactless and Signature-Less Debit Transactions

Debit Cards for Telephone, Mail and Internet Transactions

Debit Cards As Stored Value Cards

6. Credit Card Vs Debit Card

Comparative Review of Debit and Credit Card Functions

Processing Fee for Debit and Credit Cards

Interchange Fee

Interchange Fee for Signature Debit Cards and Credit Cards

Table 2: Fee Structure for Credit Card and Signature Debit Card Transactions (Purchase Price US$100) in the US

Interchange Fee for PIN-Based Debit Transactions

Table 3: Fee Structure for PIN (Online) Debit Card Transactions (Purchase Price US$100) in the US

7. Debit Card Fraud

Fraud - An Inevitable Consequence of Rapid Growth

Dealing with Advancing Card Fraud Tactics

Major Tools Employed by Card Issuers for Fighting Debit Card Fraud

Basic Fraud Prevention Tools for Debit Cards

Additional Fraud Prevention Technologies/Tools

Rising Card Fraud Losses - A Major Concern for Card Issuers

Consumer Apathy Hampers Implementation of Card Fraud Measures

Financial & Infrastructure Constraints Plague Card Fraud Control

Implementation

Debit Card Fraud Losses

Card Fraud Losses in North America

Card Fraud Losses in Europe

Table 4: Global Debit Card Fraud Losses (2004-2008P): Percentage Breakdown of Fraud Loss Value by Region/Country for North America, Latin America, Europe, Middle East & Africa, and Asia-Pacific (includes corresponding Graph/Chart)

8. Recent Industry Activity

Metavante Acquires Nomad Payments

Fortress Financial Takes Over Moneyworx

Hertford to Deliver CrewCard Debit Cards

Net Spend and Capital One in Strategic Partnership

InComm and nFinanSe in Distribution Agreement

Serverside and PayJr Develop Program to Issue II-29 Customized Visa Debit Cards

Capital One and NetSpend Team Up for Reloadable Prepaid Debit Card

Interac Certifies Gemalto for Supply of EMV Compliant Debit Cards

Citibank and East Asia Bank Seek Approval for Selling Debit Cards in China

German Sparda Chooses MasterCard’s Maestro Debit Plan

CCSI and Bone Thugs-N-Harmony Enter into Agreement

3PEA Forays into Prepaid Debit Cards Arena

eCommLink Partners with First Bank & Trust

Five Banks to Introduce Visa V Pay Chip-and-PIN-only Debit Cards in Italy

Tempo Payments Inks Agreement With Fiserv EFT

No Borders Pens Pact with Corregidora Global Group to Distribute Debit Cards

First Data Renews Agreement with LaSalle Bank & Golden 1 Credit Union

Atos Origin Acquires Banksys

Card Express Enters into Agreement with Eight Pemco Technologies Customers

Alpine Bank Acquires Saylent Technologies Inc’s Y-Debit Solution

GTREX Capital Partners with XpressDebit for its Debit Card Program

PayAllNow Selects Altair as a Preferred Debit Card Issuer for European Payroll

Market

SHPS, First Data & UMB Bank Team Up to Offer Debit Card

Global Financial Exchange Sets Up New Company with MGT

Fifth Third Expands Service Offerings by Acquiring CMC

LIC Partners with UTI to Provide Annuity Debit Cards

Soooogood Financial Services Inks Agreement to Distribute Stored Value Debit

Card

DRFS to Deliver Debit Cards to Poder de Compra

Xinhua Finance Collaborates with FreeStar

Visa Protects Indian Debit Cardholders through Zero Liability Program

eCard to Team Up with Polish Banks for Enabling Debit-Based Online

Transactions

CNB Inks Agreement with No Borders to Issue and Process Prepaid Debit Cards

Morgan Beaumont Partners with MPS for New Prepaid ATM/Debit Card Program

Citibank and MTV in Partnership to Introduce New MasterCard Debit Card

Global Vision Partners with BGG to Market Debit Cards Across EMEA

BPCL and SBI Form Partnership for Debit Cards

Viking Capital Group Acquires Secure Cash™ Card Program

No Borders and Equity One Set Up a Joint Venture

Global Links and Alliance Card Enter into an Agreement

Global Vision Signs Agreement to Introduce Debit Card

Oceanic Bank Collaborates with Interswitch to Upgrade its Debit Card

9. Product Introductions/Innovations

Paychex Unveils Paychex FSA Debit Card

Citibank Unveils Co-Branded Debit Card

IDBI Rolls Out New International Debit MasterCard

Citibank and SMRT Introduce New Debit Card

Tempo & QuikTrip to Introduce Debit Card with Fuel II-40 Discount Feature

Neteller Releases New Debit Cards in Asia and Europe

Guardian Launches Benny Prepaid MasterCard Debit Card

Murphy Oil to Introduce New Debit Cards

Sanlam Introduces Sanlam Liquid Debit Card

Halifax Launches First Visa Debit Card in Ireland

Indian Bank Introduces International Debit Card

Capital One to Launch New Debit Card

Barclays to Introduce Carbon Neutral Debit Card in the UK

MasterCard & Upromise Unveil New Rewards Program

MasterCard Offers Zero Liability Protection Program to US Small Business Cards

MasterCard Introduces Counter-Fraud Solution for PIN Debit Transactions

UTI Bank/Axis Bank Introduces International Debit Card for Small & Medium

Enterprises

SBI to Introduce ATM-Cum-Debit Card Cash Back Scheme in Select Cities

OPM Launches Debit Card for Procuring Healthcare Products on Trial Basis

EDP Launches Elvis Presley Prepaid Visa® Card

Chase Introduces Visa-Branded ‘Blink’ Debit Cards

HDFC Launches Exclusive Debit Card for Women

Discover Financial Unveils New Discover® Signature Debit Card

Binghamton Introduces Giant EXTRA Plus Debit Card for its Customers

VIB Unveils New VIB Values Debit Card

IBQ Rolls Out Debit Card for Middle East & North African Markets

Bulgaria FIB Introduces Visa Electron Debit Card for Online Transactions

UniCredit Romania Unveils Visa Business Electron Debit Card

U.S. Bank & Cabela’s Roll Out Debit Card with Rewards Program

TalkSport Introduces Pre-Pay Debit Card to Enter Financial Services Market

Metavante Integrates BenSoft’s RepayMe Solution into its Healthcare Debit Card

Debitman Receives Patent for New Retailer Debit Card Network Payment System

Dashen Introduces First Visa Electron Debit Card in Ethiopia

ANZ Introduces ANZ Everyday Visa Debit Card

RCBC Unveils Debit Card for Overseas Filipino Workers

DTB Forays into Card Business by Launching Open Visa Debit Card

Citibank Introduces Student Debit Scholarship Card Across Poland

NBB Rolls Out New MasterCard Debit Card Across Bahrain

QCSI Incorporates MyHealthBank Software into Benefits Debit Card

Visa Collaborates with Insurance Companies to Offer Debit Card

PNB and MasterCard Introduce PNB MasterCard Debit Card

Banamex Introduces New Toluca Co-Branded Debit Card

Amscot Introduces MasterCard Prepaid Debit Card

HDFC Bank Introduces International Gold Debit Card for Indian Customers

InstaDial Introduces New US Dollar MultiCard Debit Visa® Card

Wachovia Rolls Out Direct Pay Prepaid Debit Card

Cash Now Launches New Electronic Debit Card

RMF Rolls Out ATM-Cum-Debit Card for its Mutual Fund Investors

Affinity Card Systems Launches Ethos Prepaid Debit Card

MasterCard & BankWest to Introduce a New Debit Card

IOB Teams Up with VISA to Launch Instacash Debit Card

Marcatel Unveils Debit Card for Hispanic Community in the US

Barclays Bank Introduces New Visa Electronic Debit Card for Kenyan Customers

BRD-Groupe Introduces BRD-ISIC Debit Card for Student Community

KeyBank Unveils MasterCard PayPass Debit Card

Kotak Mahindra Bank Rolls Out Prepaid Fixed Denomination Card

HBL Offers Visa-Enabled Value Debit Card

Debit Cash Card Introduces New Debit Card Program

MasterCard Europe Introduces Cash2Go Maestro Debit Card in the UK

Yes Bank Launches International Gold & Silver Debit Cards in India

Allow Card of America Rolls Out New Debit Card for Young Customers

USA Paycard Launches Prepaid Debit Card for Un-Banked Employees

AmigoMoney Introduces Visa Debit Card for Hispanic Community

Wachovia Introduces Dinero Directo Remittance Debit Card

Delta Hotels Rolls Out Gift Card Program for Clients

Bradesco Launches CDC Bradesco Visa Electron Debit Card

Corp Bank Introduces All-in-One Farmers’ Debit Card

National Bank of Pakistan Unveils E-Banking Debit Card

IndusInd Bank to Introduce Women’s Debit Card

Banco de la Nacion to Launch Debit Card

10. Focus on Select Players

Debit Card Issuers

Bank of America Corporation (US)

Barclays Plc (UK)

China Merchants Bank Co., Ltd (China)

Citigroup, Inc. (US)

Citibank Inc (US)

Crédit Agricole S.A (France)

Deutsche Bank AG (Germany)

Direct Response Financial Services, Inc. (US)

HSBC Holdings Plc (UK)

ING Group N.V. (The Netherlands)

JPMorgan Chase & Co. (US)

Laser Card Services Ltd. (Ireland)

Lloyds TSB Group Plc (UK)

The Royal Bank of Scotland Group Plc (UK)

S2 Card Services Ltd. (UK)

State Bank of India (India)

Wachovia Corporation (US)

Washington Mutual, Inc. (US)

Wells Fargo & Company (US)

EFT Networks/Card Processing Companies

SA Banksys NV (Belgium)

First Data Corporation (US)

STAR® Networks, Inc

Metavante Corporation (US)

MasterCard Worldwide (US)

PULSE EFT Association, Inc. (US)

SSB SPA (Italy)

Visa U.S.A., Inc. (US)

11. Global Market Perspective

Table 5: World Recent Past, Current & Future Analysis for Debit Cards by Geographic Region - US, Canada, Japan, Europe, Asia-Pacific (excluding Japan), Latin America and Rest of World Markets Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

Table 6: World 10-Year Perspective for Debit Cards by Geographic Region - Percentage Breakdown by Cards in Use for US, Canada, Japan, Europe, Asia-Pacific (excluding Japan), Latin America and Rest of World Markets for Years 2003, 2007 & 2012 (includes corresponding Graph/Chart)

III. MARKET

1. The United States

A. Market Analysis

Payment Cards Industry in the US - An Overview

Current and Future Analysis

Debit Cards Market

A Preview

An Introduction to Debit Cards Market

Factors Driving Growth of Debit Cards in the US

Rewards & Prepaid Cards

Routine & Low-Value Transactions

Major Trends

Debit Card Transactions Witness Rapid Growth

PIN and Dual Feature Debit Cards to Witness Rapid Growth

Card Associations in the US

Table 7: US Debit Cards Industry (2005-2006): Leading PIN-Debit Networks by Market Share (%) of Transaction Volume for Interlink (Visa), Star, Pulse, NYCE and Others (includes corresponding Graph/Chart)

Interchange Fees

Competition Intensifies Between Debit Card Schemes

Table 8: US Interchange Fee for Debit Transactions for Scheme-Based and PIN-Based Systems (1994-2004) (includes corresponding Graph/Chart)

MasterCard and Visa Settlement Lowers Interchange Rates

Associations Lower Interchange Fee for Small Ticket Transactions

Visa Lowers Interchange Fees

Visa’s Small Ticket Strategy Succeeds

MasterCard’s Small Ticket Debit Programs

Programs from American Express

Online Vs Offline Debit Cards

Table 9: Leading Offline Debit Card Issuers in the US by Number of Cards (In Million) (2004-2005) (includes corresponding Graph/Chart)

PIN Transactions to Grow at the Expense of Offline Segment

Trends in Signature & PIN Debit Card Segments

Debit Card Vs Other Payment Methods

Credit Faces Challenge from Debit Cards Market

Saturation in Credit Cards Segment Boosts Debit Cards Market

Table 10: Market Share of Debit Cards and Credit Cards in the US (2004-2008) (includes corresponding Graph/Chart)

PIN & Signature Usage at POS Exceeds Credit Cards

Use of Cash and Checks Drops

Checks Dominate Bill Payments Arena

Debit Cards - Replacing Cash Payments

Debit Card Spending Exceeds Credit Card Spending

Table 11: Consumer Preference for Payment System by Age Group for ATM/Debit Card, Credit Card and Checks (2005) (includes corresponding Graph/Chart)

Banks Undertake Innovative Initiatives to Promote Card Usage

Debit Cards Erode Credit Cards Revenues

Rising Debt from Credit Cards Drives Use of Debit Cards

Leading Debit Card Players Enter Credit Cards Arena

Challenges Facing US Debit Cards Market

Interchange Fee - A Major Challenge for Card Associations

Lack of Consensus on Revenues Hampers Revenue Generation

Multiplicity of Cards - A Major Obstacle for Consumers

Demographic Challenges Hurdle Rapid Adoption

‘Bucket Spending’ Limits Card Usage to Small-Value Transactions

Major Issues Affecting US Debit Cards Market

Impact of Consolidation in Banking Sector on Debit Cards Market

Security - A Major Concern for Issuing Banks

Trends & Developments

Declining Use of ATMs

Women Debit Card Users on the Rise

Teen Prepaid Cards Growing Popular

Credit Unions Benefit from Growing Debit Card Usage

Government Agencies Slow to Adopt Debit Cards for Disbursements

California DMV Adopts ATM/Debit Cards for Accelerating Service Provision

Card Issuers Capitalize on ‘Back-to-School’ Spending Period

Card Issuers Re-Evaluate Limit on Daily PIN Debit Transactions

Debit Cards in Natural Emergencies

Visa Provides E-Payment Facility in Theatres

Surging Use of MasterCard’s PayPass Debit & Credit Cards

Debit Card Usage at Stores

Table 12: In-Store Payments in the US (2001-2005): Percentage Breakdown of Payment Type for Cash, Debit Card, Credit Card, Check and Others (includes corresponding Graph/Chart)

Online Purchases

Reward Programs for Debit Cards

Rising Debit Card Fraud - A Key Concern Area for Card Participants

Debit Card Fraud - An Expanding Menace

Debit Card Fraud Loss

Table 13: US Payments Industry (2005 & 2009): Percentage Breakdown of Fraud Loss by Payment Type for Credit Card, Check, Signature Debit, PIN Debit and ACH (includes corresponding Graph/Chart)

Table 14: US Debit Card Issuers (2006-2008): Percentage Breakdown of IT Spending Value by Activity for Transaction Processing, Risk Management, Card & Account management, Acquisition/Marketing, Customer Servicing and Other Back Office (includes corresponding Graph/Chart)

Legal Implications for Debit Card Fraud

New Federal Legislation on Fraud Disclosure

Visa Implements ADCR for Expediting Fraud Loss Reimbursement

Security Codes - Internal Security Mechanism

Future of Smart Cards in the US

Contactless Technology Offer Enormous Growth Potential

Banks Allow Controversial Overdraw Facility for Debit Card Transactions

Overdraft Fees - Burning Hole in the Customers’ Pocket

Overdraft Transactions Under the Scanner

Debit Cards for Healthcare Benefits Plan Administration

Growing Demand for Debit Cards in Healthcare Benefits Administration

Programs

Prepaid FSA Debit Cards to Grow Further

IRS Issues New Regulations for Debit Cards

Smart Medical Debit Cards Facilitate Faster Claim Settlements

Cards Dominate Holiday Spending Payments

Table 15: Payment Methods During Holiday Season in the US (2005-2006): Percentage Breakdown for Debit/Check Cards, Credit Cards, Cash and Checks (includes corresponding Graph/Chart)

Growing Penetration of Debit Cards Among Small Businesses

Visa Products for Small Business Owners

Rising Use of Debit Cards for Micro-Payments

Growing Use of Debit Cards for Low-Value Transactions

Debit Cards Facilitate Faster and Secure Child Support Payments

Prepaid Debit Cards - Ideal for Benefits Payments

Popularity of Payroll Debit Cards Rises Among Banked and Un-banked Employees

New Regulations Place Unauthorized Usage Liability on Card Issuers & Employers

Growing Use of Cards for Payment of Recurring Bills

Card Companies Focus on Minority Communities

Hispanic Consumers - Growth Opportunity for Card Companies

Debit Cards Used for Payment of Unemployment Benefits

Prepaid Debit Cards Market in the US

Proposed Government Initiatives Offer Growth Opportunities

Globalization - Key to Growth of Prepaid Debit Cards

Strategic Corporate Developments

Product Introductions

Focus on Select Players

Card Issuing Companies

Bank of America Corporation

Citigroup, Inc

Citibank, Inc

Direct Response Financial Services, Inc

JPMorgan Chase & Co

Wachovia Corporation

Washington Mutual, Inc

Wells Fargo & Company

EFT Networks/Card Processing Companies

First Data Corporation

STAR® Networks, Inc

Metavante Corporation

MasterCard Worldwide

PULSE EFT Association, Inc

Visa U.S.A., Inc

B. Market Analytics

Table 16: US Recent Past, Current & Future Analysis for Debit Cards by Product Segment - Signature (Offline) and PIN (Online) Markets Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

Table 17: US 10-Year Perspective for Debit Cards by Product Segment - Percentage Breakdown by Cards in Use for Signature (Offline) and PIN (Online) Markets for Years 2003, 2007 & 2012

Table 18: US Recent Past, Current & Future Analysis for Debit Card Transaction Volume (in Billion) by Product Segment - Signature (Offline) and PIN (Online) Markets Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

Table 19: US 10-Year Perspective for Debit Cards by Product Segment - Percentage Breakdown by Transaction Volume for Signature (Offline) and PIN (Online) Markets for Years 2003, 2007 & 2012

2. Canada

A. Market Analysis

Current and Future Analysis

Canada Payment Cards Market - An Overview

IDP - Canada’s National Debit Scheme

Table 20: Global Debit Card Usage (2004): Debit Card Transactions Per Inhabitant by Country for Canada, Sweden, The Netherlands and the US (2004) (includes corresponding Graph/Chart)

Tech-Savvy Consumers Facilitate Growth in Electronic Payments Segment

A Chronology of Select Technological Developments in Canada’s Financial

Industry

Major Developments & Trends

Debit Card Use Spirals During Holiday Season

Card Companies Undertake Trials for EMV Compliance

Canada Promotes Use of Chip-Enabled Cards

Growing Use of Debit Cards for $25-$100 Value Transactions

Consumers Prefer PIN Debit Transactions

Canada Introduces New Voluntary Code for Debit Card Transactions

Rising Debit Card Fraud at Canadian Retail Gas Stations

Strategic Corporate Developments

Product Introductions

B. Market Analytics

Table 21: Canada Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

3. Japan

A. Market Analysis

Current and Future Analysis

Payments Cards in Japan - An Overview

Japanese Debit Cards Market - A Historical Perspective

Debit Cards System in Japan

Card Associations in Japan

Online Processing Dominates Debit Card Processing Scenario

Debit Cards Find Use in High Value Transactions

JCB - A Major Card Industry Player

B. Market Analytics

Table 22: Japanese Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4. Europe

A. Market Analysis

Current and Future Analysis

Banking Facilities in Europe

Central and Eastern Europe (CEE) Region

Cards Replace Cash and Paper Transactions

Payments Cards Address Needs of Un-Banked Population

Focus on Prepaid Cards

Single Euro Payments Area (SEPA) Takes Shape in Europe

Rationale Behind SEPA

European Banking Sector Proposes Pan-European Debit Card Scheme

What is SEPA?

EAPS Initiates Process of SEPA Compliance for European Debit Cards

Major Highlights of SEPA

Current & Post-SEPA Scenario in EU Nations

Banks Fear MasterCard’s Dominance

MasterCard Defers Introduction of New Interchange Rates for Europe

MasterCard’s New Interchange Fees for Europe

European Prepaid Cards Market on the Rise

Table 23: European Prepaid Cards Market (2006): Percentage Breakdown of Spending by Type of Prepaid Card (includes corresponding Graph/Chart)

Table 24: European Prepaid Cards Market (2006): Percentage Breakdown of Spending by Type of Prepaid Card (includes corresponding Graph/Chart)

Strategic Corporate Developments

B. Market Analytics

Table 25: European Recent Past, Current and Future Analysis for Debit Cards by Geographic Region - France, Germany, Italy, UK, Spain, Russia and Rest of Europe Markets Independently Analyzed with Annual Number of Cards in Use in Million Years 2003 through 2012 (includes corresponding Graph/Chart)

Table 26: European 10-Year Perspective for Debit Cards by Geographic Region - Percentage Breakdown by Cards in Use for France, Germany, Italy, UK, Spain, Russia and Rest of Europe Markets for Years 2003, 2007 & 2012 (includes corresponding Graph/Chart)

4a. France

A. Market Analysis

Current and Future Analysis

Payment Cards Market in France - An Overview

French Payment Cards Market Continues to Rise

Debit Cards in France

Carte Bleue - The National Debit Card Scheme

Crédit Agricole S.A (France) - A Key Player

B. Market Analytics

Table 27: French Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4b. Germany

A. Market Analysis

Current and Future Analysis

An Overview of the German Payment Cards Market

Germany Leads Europe in Card Transactions

Visa Seeks to Break Maestro’s Stronghold on European Debit Cards Market

Strategic Corporate Developments

Deutsche Bank AG - A Leading Player

B. Market Analytics

Table 28: German Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4c. Italy

A. Market Analysis

Current and Future Analysis

Italian Payment Cards Market - An Insight

Table 29: Italian Payment Cards Market (2003-2007E): Percentage Breakdown of Transaction Volume for Credit and Debit Cards (includes corresponding Graph/Chart)

Major Card Issuers in Italy

Card Statistics At a Glance

Payment Network

MasterCard Vs Visa

Impact of SEPA on Italian Debit Cards Market

Strategic Corporate Developments

B. Market Analytics

Table 30: Italian Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4d. United Kingdom

A. Market Analysis

Current and Future Analysis

Payment Cards Market in the UK - An Overview

Debit Card Vs Credit Cards

Debit Cards Drive Growth in the Payment Cards Arena

Table 31: UK Payment Cards Market (2004-2006): Percentage Breakdown of Transaction Volume by Type of Card for Debit Cards and Credit, Store and Charge Cards (includes corresponding Graph/Chart)

Debit Cards Outshine Credit Cards

Debit Cards Score Over Credit Cards

Key Card Statistics for 2005

Card Associations in the UK

Table 32: Visa Payments Cards in the UK (2005): Percentage Breakdown of Number of Cards and Spending on Card for Debit and Credit Cards

Chip & PIN Technology Lowers Card Fraud Losses

Table 33: Payment Cards Market in the UK (2005): Percentage Breakdown of Fraud Losses for UK-Issued Cards by Type of Fraud (includes corresponding Graph/Chart)

UK Payments Industry - A Historical Perspective

Waning Popularity of Cheques

Table 34: UK Payments Industry (2000-2005): Number of ATMs Installed (in Thousands) by ATM Deployer (includes corresponding Graph/Chart)

Table 35: UK Payments Industry (1998-2005): Percentage Breakdown of Transaction Volume by Payment Method for Cash Payments, Non-Cash Payments and Others (includes corresponding Graph/Chart)

Table 36: UK Payment Cards Industry (1998-2003): Percentage Breakdown of Transaction Volume by Payment Method for Debit Cards, Credit and Charge Cards and Store Cards (includes corresponding Graph/Chart)

Debit Card Spending Continues to Rise

Table 37: UK Payments Industry (2005): Consumer Spending (in £ Billion) at Retail Outlets by Payment Method for Debit Cards, Cash and Others (includes corresponding Graph/Chart)

Growing Demand for Prepaid Cards

Use of Cards for Charitable Donations

Card Statistics for 2006 Christmas Season

UK to Introduce Contactless Cards for Low-Value Transactions

Strategic Corporate Developments

Product Introductions

Focus on Select Players

Barclays Plc

HSBC Holdings Plc

Lloyds TSB Group Plc

The Royal Bank of Scotland Group Plc

S2 Card Services Ltd./Solo

B. Market Analytics

Table 38: UK Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4e. Spain

A. Market Analysis

Current and Future Analysis

Overview of Spanish Payment Cards Market

Debit Cards Market in 2005

Visa - The Leading Card Brand in Spain

Table 39: Spanish Payment Cards Market (2005): Percentage Breakdown of Number of Visa Cards for Credit Card, Debit Card and Commercial Card (includes corresponding Graph/Chart)

Interchange Reduction Compels Banks to Restructure Card Programs

B. Market Analytics

Table 40: Spanish Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4f. Russia

A. Market Analysis

Current and Future Analysis

Payment Cards Industry - Growth Despite Inadequate Banking Services

Debit Card Usage Grows

B. Market Analytics

Table 41: Russian Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4g. Rest of Europe

A. Market Analysis

Current and Future Analysis

Absence of Interchange Lowers Income Levels in North Europe

Select Regional Markets - An Overview

Belgium

Mobile Phones As Debit Cards

Finland

Ireland

Overview

Laser - The National Debit Card Scheme

Declining Share of Cheque-Based Payments

Portugal

Visa Card Usage Grows in Portugal

The Netherlands

Turkey

An Insight into Turkish Payment Cards Market

Credit Cards Hold Sway in Turkish Payments Market

Advanced Infrastructure Facilities to Drive Cards Market

Strategic Corporate Developments

Product Introductions

Focus on Select Players

ING Group N.V. (The Netherlands)

Laser Card Services Ltd. (Ireland)

SA Banksys NV (Belgium)

SSB SPA (Italy)

B. Market Analytics

Table 42: Rest of Europe Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

5. Asia-Pacific

A. Market Analysis

Current and Future Analysis

Asian Markets Drive Global Debit Card Adoption

Asia Pacific - Major Contributor to Growth in Visa Debit and Prepaid

Programs

Pakistan & Bangladesh Driving Growth for Visa Debit Cards

B. Market Analytics

Table 43: Asia-Pacific Recent Past, Current and Future Analysis for Debit Cards by Geographic Region - Australia, China, India, Singapore and Rest of Asia-Pacific Markets Independently Analyzed with Annual Number of Cards in Use in Million Years 2003 through 2012 (includes corresponding Graph/Chart)

Table 44: Asia-Pacific 10-Year Perspective for Debit Cards by Geographic Region - Percentage Breakdown by Cards in Use for Australia, China, India, Singapore and Rest of Asia-Pacific Markets for Years 2003, 2007 & 2012 (includes corresponding Graph/Chart)

5a. Australia

A. Market Analysis

Current and Future Analysis

Overview

RBA Introduces New Regulations for Payment Cards Industry

EMV Compliance & Technological Advancements Hold Key to Growth

Debit Cards in Australia

Interchange Fee in Australia

RBA Implements New Standards for Debit Cards

Debit Card Fraud in Australia

Table 45: Debit Card Fraud in Australia (2006): Number of Frauds (In Thousands) and Value (In $ Million)

Table 46: Debit Card Fraud in Australia (2006): Number (In Thousands) and Value (In $ Million) by Type of Fraud for Lost/Stolen, Counterfeit/Skimming, Never Received and Others (includes corresponding Graph/Chart)

Product Introductions

B. Market Analytics

Table 47: Australian Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

5b. China

A. Market Analysis

Current and Future Analysis

China’s Bankcard Industry - An Overview

Bankcard Industry in China Witnesses Continuous Growth

Table 48: Bankcards Industry in China (2000-2005): Percentage Breakdown of Cards Issued by Payment Card for Debit and Credit Cards (includes corresponding Graph/Chart)

Rise in Personal Accounts Facilitate Debit Card Use

Credit Cards in Nascent Stage

Government Promotes Use of Bankcards

China Proposes New Bankcard Regulations

Major Trends

China’s Central Bank Reduces Service Charges for Migrant Workers

SARS Crisis Aids Growth in Card Utilization

Additional Services Ensure Continuous Growth for Debit Cards

Strategic Corporate Developments

China Merchants Bank Co., Ltd - A Major Player

B. Market Analytics

Table 49: Chinese Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

5c. India

A. Market Analysis

Current and Future Analysis

Financial Cards Industry in India

Table 50: Payment Cards Industry in India (2004-2005): Percentage Breakdown of Transaction Volume and Value for Debit Cards and Credit Cards (includes corresponding Graph/Chart)

Debit Cards - A Dominant Presence

Credit Cards to Drive Future Growth

SBI Dominates Debit Card Issuance Scenario

Table 51: Debit Cards Market in India (2004-2006E): Percentage Breakdown of Leading Card Issuers by Number of Cards for SBI, ICICI, HDFC, UTI, Citibank and Others (includes corresponding Graph/Chart)

Table 52: Debit Cards Market in India (2005): Market Share (%) of Leading Banks by Transaction Volume for State Bank of India, ICICI, HDFC, UTI, Canara Bank, Citibank and Others (includes corresponding Graph/Chart)

Debit Cards Market - Enormous Opportunities for Card Issuers

Issues & Trends

Intensifying Competitive Environment

Prepaid & Premium Cards - Potential for Higher Debit Card Utilization

Increased Adoption of Electronic Systems Boosts Demand for Debit Cards

Low Utilization Rates at POS Terminals

Overcoming Infrastructure Challenges

Focus Shifts to Smaller Towns & Cities

Visa Initiates ADP Program for Developing Infrastructure in Smaller

Cities

SBI Promotes Debit Card Usage in Small Cities

Indian Postal Department Proposes Debit Cards for MIS Accountholders

MasterCard & Visa Offer Differentiated Products

Card Use for Routine Payments Grows

Banks Promote Card Usage for Modernization of Banking Operations

ICICI Bank Promotes Debit Cards to Save Planet

Visa Provides Zero Liability Protection Program for Debit Cardholders

Strategic Corporate Developments

Product Introductions

B. Market Analytics

Table 53: Indian Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

5d. Singapore

A. Market Analysis

Current and Future Analysis

An Insight into Singapore’s Cards Market

Visa - The Dominant Card Brand

Product Introduction

B. Market Analytics

Table 54: Singaporean Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

5e. Rest of Asia-Pacific

A. Market Analysis

Current and Future Analysis

Select Regional Markets - An Overview

Malaysia

EMV Compliance Fosters Debit Card Growth

Major Card Issuers in Malaysia

The Philippines

Growing Popularity of Debit Cards

Debit Cards for Payroll & Benefit Remittance Applications

Thailand

Product Introductions

B. Market Analytics

Table 55: Rest of Asia-Pacific Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

6. Latin America

A. Market Analysis

Current and Future Analysis

Payments Industry in Latin America - An Introduction

Electronic Payment Systems Infrastructure in Latin America

Clearing House

Card Networks

An Overview of the Plastic Cards Market

Low Penetration of Banking Services - A Major Obstacle

Impact of Inter-Country Differences

Debit Cards Market in Latin America

The Beginning

Banks & Governments Promote Debit Card Usage

Low Consumer Savings Imply Lesser POS Transactions

Debit Card Issuers Face the Heat from Credit Cards

Visa’s Card Transactions Grow Rapidly in Latin America

B. Market Analytics

Table 56: Latin America Recent Past, Current and Future Analysis for Debit Cards by Geographic Region - Brazil, Argentina, Mexico, Rest of Latin America Markets Independently Analyzed with Annual Number of Cards in Use in Million Years 2003 through 2012 (includes corresponding Graph/Chart)

Table 57: Latin America 10-Year Perspective for Debit Cards by Geographic Region - Percentage Breakdown by Cards in Use for Brazil, Argentina, Mexico, Rest of Latin America Markets for Years 2003, 2007 & 2012 (includes corresponding Graph/Chart)

6a. Argentina

A. Market Analysis

Current and Future Analysis

Debit Cards Market in Argentina

BCRA Rule for Payroll Payments Facilitates Growth

Economic Compulsions Drive Card Use

B. Market Analytics

Table 58: Argentinean Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

6b. Brazil

A. Market Analysis

Current and Future Analysis

Overview

Table 59: Payment Cards Market in Brazil (2000-2005): Percentage Breakdown of Number of Payment Cards for Credit Cards, Debit Cards and Store Cards (includes corresponding Graph/Chart)

Table 60: Payment Cards Market in Brazil (2000-2005): Percentage Breakdown of Number of Card Transactions for Credit Cards, Debit Cards and Store Cards (includes corresponding Graph/Chart)

Table 61: Payment Cards Market in Brazil (2000-2005): Percentage Breakdown of Value of Card Transactions for Credit Cards, Debit Cards and Store Cards (includes corresponding Graph/Chart)

Product Introductions

B. Market Analytics

Table 62: Brazilian Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

6c. Mexico

A. Market Analysis

Current and Future Analysis

An Introduction to Mexican Payments System

Debit Cards Market in Mexico

A Preview

Debit Cards - Low Utilization Rates Offers Growth Prospects

Banks Collaborate with Government Agencies to Promote Card Use

Product Introductions

B. Market Analytics

Table 63: Mexican Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

6d. Rest of Latin America

A. Market Analysis

Current and Future Analysis

A Brief Overview of Select Regional Markets

Chile

Colombia

Peru

Visa Debit Card Utilization Rates on the Rise

Venezuela

Card Growth Hampered by Inadequate EPC Clearance System

Product Introduction

B. Market Analytics

Table 64: Rest of Latin America Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

7. Rest of World

A. Market Analysis

Current and Future Analysis

Select Regional Markets - An Overview

South Africa

Resurgent Economic and Political Scenario Boosts Consumer Confidence

Debit Cards - Driving Force for Financial Cards Market

Large Un-banked Population - Potential for Debit Cards Market Growth

Fighting Card Fraud with EMV Compliance

Kenya

Inadequate Telecom Infrastructure - A Major Obstacle for Debit Card

Usage

Visa - The Sole Provider of Debit Cards

Rise in Debit Card-Based Online Payments Across the Middle East

Growing Demand for Debit Cards Across Egypt

Strategic Corporate Developments

Product Introductions

B. Market Analytics

Table 65: Rest of World Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

IV. COMPETITIVE LANDSCAPE

Total Companies Profiled: 175 (including Divisions/Subsidiaries - 195 )

Region/Country Players

The United States 86

Canada 4

Japan 1

Europe 36

France 2

Germany 4

The United Kingdom 11

Italy 1

Rest of Europe 18

Asia-Pacific (Excluding Japan) 52

Middle East 6

Latin America 4

Africa 6