发布日期：2008年3月
摘要
Financial Cards in Austria report establishes the size and structure of the market for ATMs, credit cards, debit cards, store cards and smart cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.
Product coverage
Financial cards in circulation; Transactions
Executive summary
Competition
The Austrian financial cards market, compared to markets in countries such as the UK, has not been overly competitive. This is set to change as the two dominant operating companies have extended their product ranges to include each other's card products. This suggests some interesting, and perhaps, turbulent times ahead for the Austrian financial cards market.
Promising Future Trends
In line with the expected increase in competition, which will translate into new cards and the introduction of further card facilities by the issuers, it is expected that over the medium to long term the Austrian market will continue to expand its usage of financial cards. Wider card usage is expected through the development of facilities such as contactless payment, although the credit card sector is likely to remain relatively flat. There is also some indication that m-commerce (mobile phone payments) could be genuine competition for the payment card industry.
Debit Cards Predominate
In Austria debit cards continue to predominate both in terms of ownership and as the accepted card payment method. This is attributed to the fact that Austrians tend to be more cautious and risk averse and therefore less likely to acquire and make use of the other card payment methods. The banks have encouraged, largely unintentionally, this state of affairs as debit cards have become a standard requirement for attaining a charge or credit card in Austria.
Continued Low Awareness of Pre-paid Function
Even though most Austrians have a card with a pre-paid function, awareness and consequently usage of this function remains low. According to OeNB (Austrian National Bank), only one in five debit card owners are aware of the pre-paid function on their card. Having said that, there was some movement in this sector during 2007 as transactions value grew significantly over 2006.
Store Cards Underdeveloped in Austria
Traditional store cards are not popular in Austria; it is also a relatively new concept in the country. This is partly due to the fact that Austrian consumers are not used to buying retail goods on credit in contrast to consumers in countries such as the US and the UK. This is further highlighted by the fact that debit cards are more popular than credit cards in Austria. True store cards are only slowly entering the Austrian market with most retailers choosing to co-brand with the credit card companies.
目录及图表
Table of contents
FINANCIAL CARDS IN AUSTRIA : MARKET INSIGHT
EXECUTIVE SUMMARY
Competition
Promising Future Trends
Debit Cards Predominate
Continued Low Awareness of Pre-paid Function
Store Cards Underdeveloped in Austria
KEY TRENDS AND DEVELOPMENTS
Macroeconomic Trends
Competitive Situation Liberalisation
New Technology Trends
Competition Amongst Service Providers Intensifies
Demographic Shifts
OPERATING ENVIRONMENT
Consumer Credit and Lending
Issuer Fraud
Acquirer Fraud
E-commerce
M-commerce
ATM and POS Terminals
Cash Withdrawal Versus Card Purchase
Governmental Regulation and Legislation
MARKET INDICATORS
Table 1 Number of POS Terminals 2004-2007
Table 2 Number of ATMs 2004-2007
Table 3 Disposable Income 2002-2007
Table 4 Consumer Credit 2002-2007
Table 5 Value Lost to Fraud 2002-2007
MARKET DATA
Table 6 Financial Cards: Transactions 2002-2007
Table 7 Financial Cards: Value 2002-2007
Table 8 Financial Cards: Number of Cards in Circulation 2002-2007
Table 9 Financial Cards: Number of Accounts 2002-2007
Table 10 Domestic versus Foreign Spend 2007
Table 11 Card Expenditure by Sector 2007
Table 12 Card Expenditure by Location 2007
Table 13 Financial Cards: Number of Internet Transactions 2002-2007
Table 14 Financial Cards: Internet Transaction Value 2002-2007
Table 15 Financial Cards: Number of Cards by Issuer 2002-2006
Table 16 Financial Cards: Number of Cards by Operator 2002-2006
Table 17 Financial Cards: Point of Sale Transactions by Acquirer 2002-2006
Table 18 Financial Cards Forecast: Transactions 2007-2012
Table 19 Financial Cards Forecast: Value 2007-2012
Table 20 Financial Cards Forecast: Number of Cards in Circulation 2007-2012
Table 21 Financial Cards: Forecast Number of Accounts 2007-2012
Table 22 Financial Cards Forecast: Number of Internet Transactions 2007-2012
Table 23 Financial Cards Forecast: Internet Transaction Value 2007-2012
DEFINITIONS
Cards by Type
Cardholder Behaviour
Card Expenditure by Sector
Value Lost to Card Fraud
Consumer Credit
Market Background
Sources
Summary 1 Research Sources
LOCAL COMPANY PROFILES - AUSTRIA
AIRPLUS AIR TRAVEL CARD VERTRIEBSGESELLSCHAFT MBH - FINANCIAL CARDS - AUSTRIA
STRATEGIC DIRECTION
KEY FACTS
Summary 2 AirPlus Air Travel Card Vertriebsgesellschaft mbH: Key Facts
Summary 3 AirPlus Air Travel Card Vertriebsgesellschaft mbH: Operational Indicators 2004-2006
COMPANY BACKGROUND
COMPETITIVE POSITIONING
BANK AUSTRIA CREDITANSTALT AG - FINANCIAL CARDS - AUSTRIA
STRATEGIC DIRECTION
KEY FACTS
Summary 4 Bank Austria Creditanstalt AG: Key Facts
Summary 5 Bank Austria Creditanstalt AG: Operational Indicators 2004-2006
COMPANY BACKGROUND
COMPETITIVE POSITIONING
CARD COMPLETE SERVICE BANK AG - FINANCIAL CARDS - AUSTRIA
STRATEGIC DIRECTION
KEY FACTS
Summary 6 VISA-SERVICE Kreditkarten AG: Key Facts
Summary 7 VISA-SERVICE Kreditkarten AG: Operational Indicators 2004-2006
COMPANY BACKGROUND
COMPETITIVE POSITIONING
ERSTE BANK DER OESTERREICHISCHEN SPARKASSEN AG - FINANCIAL CARDS - AUSTRIA
STRATEGIC DIRECTION
KEY FACTS
Summary 8 Erste Bank Der Oesterreichischen Sparkassen AG: Key Facts
Summary 9 Erste Bank Der Oesterreichischen Sparkassen AG: Operational Indicators 2004-2006
COMPANY BACKGROUND
COMPETITIVE POSITIONING
PAYLIFE BANK GMBH - FINANCIAL CARDS - AUSTRIA
STRATEGIC DIRECTION
KEY FACTS
Summary 10 PayLife Bank GmbH: Key Facts
Summary 11 PayLife Bank GmbH: Operational Indicators 2004-2006
COMPANY BACKGROUND
COMPETITIVE POSITIONING
SMART CARDS IN AUSTRIA
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
Table 24 Smart Cards Sector Performance: 2002-2007
Table 25 Smart Cards Sector Performance: % Growth 2002-2007
Table 26 Smart Cards: Memory vs Microprocessor 2004-2007
Table 27 Smart Cards: Contact vs Contactless 2004-2007
Table 28 Smart Cards: Forecast Sector Performance: 2007-2012
Table 29 Smart Cards: Forecast Sector Performance: % Growth 2007-2012
ATM TRANSACTIONS IN AUSTRIA
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
Table 30 ATM Cards Sector Performance: 2002-2007
Table 31 ATM Cards Sector Performance: % Growth 2002-2007
Table 32 ATM Cards: Forecast Sector Performance: 2007-2012
Table 33 ATM Cards: Forecast Sector Performance: % Growth 2007-2012
DEBIT TRANSACTIONS IN AUSTRIA
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
Table 34 Debit Cards Sector Performance: 2002-2007
Table 35 Debit Cards Sector Performance: % Growth 2002-2007
Table 36 Debit Cards: Number of Cards by Issuer 2002-2006
Table 37 Debit Cards: Number of Cards by Operator 2002-2006
Table 38 Debit Cards Transactions by Acquirer 2002-2006
Table 39 Debit Cards Transaction Value by Operator 2002-2006
Table 40 Debit Cards: Forecast Sector Performance: 2007-2012
Table 41 Debit Cards: Forecast Sector Performance: % Growth 2007-2012
CREDIT CARD TRANSACTIONS IN AUSTRIA
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
Table 42 Credit Cards Sector Performance: 2002-2007
Table 43 Credit Cards Sector Performance: % Growth 2002-2007
Table 44 Personal Credit Cards Sector Performance: 2002-2007
Table 45 Personal Credit Cards Sector Performance: % Growth 2002-2007
Table 46 Corporate Credit Cards: Sector Performance: 2002-2007
Table 47 Corporate Credit Cards: Sector Performance: % Growth 2002-2007
Table 48 Credit Cards: Number of Cards by Issuer 2002-2006
Table 49 Credit Cards: Number of Cards by Operator 2002-2006
Table 50 Credit Cards Transactions by Acquirer 2002-2006
Table 51 Credit Cards Transaction Value by Operator 2002-2006
Table 52 Personal Credit Cards Transactions by Acquirer 2002-2006
Table 53 Personal Credit Cards Transaction Value by Operator 2002-2006
Table 54 Corporate Credit Cards Transactions by Acquirer 2002-2006
Table 55 Corporate Credit Cards Transaction Value by Operator 2002-2006
Table 56 Credit Cards: Forecast Sector Performance: 2007-2012
Table 57 Credit Cards: Forecast Sector Performance: % Growth 2007-2012
Table 58 Personal Credit Cards: Forecast Sector Performance: 2007-2012
Table 59 Personal Credit Cards: Forecast Sector Performance: % Growth 2007-2012
Table 60 Corporate Credit Cards: Forecast Sector Performance: 2007-2012
Table 61 Corporate Credit Cards: Forecast Sector Performance: % Growth 2007-2012
CHARGE CARD TRANSACTIONS IN AUSTRIA
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
Table 62 Charge Cards Sector Performance: 2002-2007
Table 63 Charge Cards Sector Performance: % Growth 2002-2007
Table 64 Personal Charge Cards Sector Performance: 2002-2007
Table 65 Personal Charge Cards Sector Performance: % Growth 2002-2007
Table 66 Corporate Charge Cards: Sector Performance: 2002-2007
Table 67 Corporate Charge Cards: Sector Performance: % Growth 2002-2007
Table 68 Charge Cards: Number of Cards by Issuer 2002-2006
Table 69 Charge Cards: Number of Cards by Operator 2002-2006
Table 70 Charge Cards Transactions by Acquirer 2002-2006
Table 71 Charge Cards Transaction Value by Operator 2002-2006
Table 72 Personal Charge Cards Transactions by Acquirer 2002-2006
Table 73 Personal Charge Cards Transaction Value by Operator 2002-2006
Table 74 Corporate Charge Cards Transactions by Acquirer 2002-2006
Table 75 Corporate Charge Cards Transaction Value by Operator 2002-2006
Table 76 Charge Cards: Forecast Sector Performance: 2007-2012
Table 77 Charge Cards: Forecast Sector Performance: % Growth 2007-2012
Table 78 Personal Charge Cards: Forecast Sector Performance: 2007-2012
Table 79 Personal Charge Cards: Forecast Sector Performance: % Growth 2007-2012
Table 80 Corporate Charge Cards: Forecast Sector Performance: 2007-2012
Table 81 Corporate Charge Cards: Forecast Sector Performance: % Growth 2007-2012
PRE-PAID CARD TRANSACTIONS IN AUSTRIA
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
Table 82 Pre-paid Cards Sector Performance: 2002-2007
Table 83 Pre-paid Cards Sector Performance: % Growth 2002-2007
Table 84 Pre-paid Cards: Number of Cards by Issuer 2002-2006
Table 85 Pre-paid Cards: Number of Cards by Operator 2002-2006
Table 86 Pre-paid Cards Transactions by Acquirer 2002-2006
Table 87 Pre-paid Cards Transaction Value by Operator 2002-2006
Table 88 Pre-paid Cards by Type 2004-2007
Table 89 Pre-paid Cards: Forecast Sector Performance: 2007-2012
Table 90 Pre-paid Cards: Forecast Sector Performance: % Growth 2007-2012
STORE CARD TRANSACTIONS IN AUSTRIA
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
Table 91 Store Cards Sector Performance: 2002-2007
Table 92 Store Cards Sector Performance: % Growth 2002-2007
Table 93 Store Cards: Number of Cards by Issuer 2002-2006
Table 94 Store Cards Transactions by Acquirer 2002-2006
Table 95 Store Cards: Forecast Sector Performance: 2007-2012
Table 96 Store Cards: Forecast Sector Performance: % Growth 2007-2012