Financial | Emerging Opportunities in Germany’s Cards and Payments Industry: Market Size, Trends

Aarkstore.com announce a new report "Emerging Opportunities in Germany's Cards and Payments Industry: Market Size, Trends and Drivers" through its vast collection of market research report.

ListFree.org (Press Release) - Monday, January 7th, 2013

Aarkstore.com announces, a new market research report is available in its vast collection:
Emerging Opportunities in Germany’s Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Landscape

http://www.aarkstore.com/reports/Emerging-Opportunities-in-Germany-s-Cards-and-Payments-Industry-Market-Size-Trends-and-Drivers-Strategies-Products-and-Competitive-Landscape-237395.html

Synopsis

The report provides market analysis, information and insights into Germany’s cards and payments industry, including:
• Current and forecast values for each segment of Germany’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 Germany’s cards and payment market
• Detailed analysis of the marketing strategies adopted for selling 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 Germany’s cards and payments market

Summary

Germany has the world’s fourth-largest economy and presents numerous challenges for international entrants into the cards and payments industry. Consumers continue to give cash based payments precedence over card based payments. Total card spend declined at an average rate of 0.3% from 2005 to 2009 according to figures collected by the Bank for International Settlements (BIS). Barclaycard has operated in the market for 20 years and has over one million credit cards in circulation. Germany has been depicted as cash intensive and unwilling to adopt payment cards on a grander scale by statistics from the BIS and European Central Bank, but there is positive speculation regarding opportunities which could emerge in Germany in the coming years. Germany has an advanced saving level and low level of debt. The household savings rate was around 10% at the end of 2008, compared to 0.5% for the US and 8% for the EU as a whole. This higher than average saving rate has meant a different approach to payments in the country, as cash takes precedence over electronic payments. In retail sales there has been a slow but steady decline in the percentage of cash payments over the review period (2008–2012), a decline that has been offset by the absolute increase in transaction volume. Debit cards in particular have become increasingly popular owing to a greater adoption rate and technical improvements. The German card industry is ripe for growth with a highly developed payments infrastructure and, compared to other economies, a relatively low level of card usage. Payments at POS are around 60% in cash, while 30% are paid by debit card and the remaining 10% is split fairly evenly between credit cards and merchant cards.

Scope

• This report provides a comprehensive analysis of Germany’s cards and payments industry
• It provides current values for Germany’s cards and payments market for 2012 and forecast figures for 2017
• It details the different macroeconomic, infrastructural, consumer and business drivers affecting Germany’s 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 Germany’s cards and payments market

Table of Contents :

1 Executive Summary
2 Market Attractiveness and Future Prospects of the Cards and Payments Industry
3 Analysis of German Cards and Payments Industry Drivers
3.1 Infrastructure Drivers
3.1.1 Single Euro Payments Area (SEPA) cards
3.1.2 Growth and modernization in POS terminals
3.1.3 Contactless payments and NFC – innovation in payment industry
3.1.4 Internet and smartphone penetration
3.1.5 ATMs terminals
3.2 Business Drivers
3.2.1 E-commerce
3.2.2 Mobile commerce
3.2.3 Other business drivers
3.3 Other Growth Drivers
3.3.1 Gross domestic product (GDP)
3.3.2 Growing employment rate
3.3.3 Record low repo rate
3.3.4 Urban population
3.3.5 Life style and spending pattern
3.4 Card Fraud Statistics
3.5 Regulatory Framework
3.5.1 SEPA cards framework
3.5.2 The proposed SCF puts the future of ELV cards on hold
3.5.3 Guidelines and requirements of the payment services directive (PSD)
3.5.4 The regulation on cross-border payments in Euro
3.5.5 EPC publishes mobile contactless SEPA guidelines
3.5.6 German Money Laundering Act Reform and E-money distribution
3.5.7 The Proposed Anti-money laundering law presents restriction on the German prepaid card category
3.5.8 AML/CFT measures in Germany
3.5.9 Interchange fees
4 Emerging Consumer Attitudes and Trends
4.1 Market Segmentation and Targeting
4.1.1 Retail segment
4.1.2 Corporate Sector
4.2 Consumer Preference

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