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Debit Cards - Global Strategic Business Report

Description:
This report analyzes the worldwide markets for number of Debit Cards in Use (Million Units). The report provides separate comprehensive analytics for the US, Canada, Japan, Europe, Asia-Pacific, Latin America, and Rest of World. Annual estimates and forecasts are provided for the period 2009 through 2015. A six-year historic analysis is also provided for these markets. The report profiles 171 companies including many key and niche players. Major debit card issuers profiled in the report include Bank of America Corporation, Barclays Bank Plc, China Merchants Bank Co., Ltd, Citigroup, Inc., Citibank Inc., Crédit Agricole S.A, Deutsche Bank AG, HSBC Bank plc, ICICI Bank ltd., ING Group N.V., JCB Co., Ltd., JPMorgan Chase & Co., Laser Card Services Ltd., Lloyds Banking Group PLC, The Royal Bank of Scotland Group Plc, S2 Card Services Ltd., State Bank of India, Wells Fargo & Company, and Wachovia Corporation. EFT Networks/Card Processing Companies also discussed in the report include Atos Worldline SA, First Data Corporation, STAR® Networks, Inc., Fidelity National Information Services, Inc., MasterCard Incorporated, NYCE Payments Network, LLC, PULSE EFT Association, Inc., SIA-SSB S.p.A., Visa, Inc., 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.




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Contents:
DEBIT CARDS
A GLOBAL STRATEGIC BUSINESS REPORT


CONTENTS


1. INTRODUCTION, METHODOLOGY & PRODUCT DEFINITIONS 1
Study Reliability and Reporting Limitations 1
Disclaimers 2
Data Interpretation & Reporting Level 3
Quantitative Techniques & Analytics 3
Product Definitions and Scope of Study 3
Debit Card 3
Prepaid Debit Cards 3
Online or PIN Debit Cards 4
Offline or Signature Debit Cards 4

2. INDUSTRY OVERVIEW 5
Payment Cards Industry - An Overview 5
Impact of Recession of Payment Cards Market 5
Technological Innovations Drive Card Transactions 6
Cards Replace Cash and Paper Transactions 6
Debit Cards - A Convenient Cash-Less Payment System 6
Growth Drivers 6
Market Restraints 7
Current and Future Analysis 7

3. MARKET DYNAMICS 8
Small Value Transactions to Drive Growth in Debit Cards Arena 8
Debit Card - A Tool for Controlling Expenditure 8
Asia-Pacific Drives Global Debit Card Use 8
Growing Use of Cards for Payment of Recurring Bills 8
Card Companies Focus on Select Consumer Segments 8
Card Associations Intensify Campaign for Prepaid Cards 9
Fraud Facilitates Development of New Technologies 9
Debit Card Use Rises During Holiday Season 9
Technology to Overcome Inadequacies in Infrastructure 10
Non-Banking Agencies to Counter the Dominance of Associations 10
Debit Cards for New Mobile Payment System 10

4. MAJOR ISSUES INFLUENCING DEBIT CARDS MARKET 11
Interchange Fee - A Contentious issue 11
Visa and MasterCard Face Legal Implications 11
Security - A Key Concern for Issuing Banks 11
SEPA Set to Restructure Debit Cards Payment System in EU 11
Absence of Debit Interchange Programs Affects European Income
Levels 12
Alternative Online Payment Modes - A Threat to Debit Cards 12
Merchant Resistance Obstructs Debit Card Adoption 12
Rising Fraud in PIN Debit Transactions Worries Consumers 13
Expensive Overdraft Fees Raises Concern 13

5. PRODUCT OVERVIEW 14
Debit Cards - A Conceptual Definition 14
Debit Cards in Force Across the World 14
Debit Card - A Commodity Product 15
Debit Card Penetration & Activation 15
Authorization Hold - Saving Retailers from Risk 15
Electronic Funds Transfer Point of Sale (EFTPOS) 16
Transaction Processing in Debit Cards 16
Process Flow for Online Debit Transactions 17
Process Flow in Signature Debit Transactions 18
Electronic Funds Transfer Networks (EFT) Networks 19
Visa & MasterCard - Principal Global Debit Brands 19
Reward Programs Gain Popularity 19
Prepaid Bank Debit Cards 20
Prepaid or Stored Value Card 20
Common Applications of Prepaid Debit Cards 20
Transfer of Funds 20
Retail Debit Cards 21
Payroll Debit Cards 21
Health Debit Cards 21
Prepaid Cards - Challenges & Opportunities 21
Advantages of Debit Cards 22
Disadvantages of Debit Cards 22

6. TYPES OF DEBIT CARDS 23
Online or PIN Debit Cards 23
Offline or Signature Debit Cards 23
PIN Vs Signature Debit Transaction Fee 23
“Credit” and “Debit” Purchases 24
PIN Faces Competition from Contactless and Signature-Less
Debit Transactions 24
Debit Cards for Telephone, Mail and Internet Transactions 25
Debit Cards As Stored Value Cards 25

7. CREDIT CARD VS DEBIT CARD 26
Comparative Review of Debit and Credit Card Functions 26
Processing Fee for Debit and Credit Cards 26
Interchange Fee 27

8. DEBIT CARD FRAUD 28
Fraud - An Inevitable Consequence of Rapid Growth 28
Dealing with Advancing Card Fraud Tactics 28
Major Tools Employed by Card Issuers for Fighting Debit Card
Fraud 29
Basic Fraud Prevention Tools for Debit Cards 29
Additional Fraud Prevention Technologies/Tools 30
Rising Card Fraud Losses - A Major Concern for Card Issuers 30
Consumer Apathy Hampers Implementation of Card Fraud Measures 31
Financial & Infrastructure Constraints Plague Card Fraud
Control Implementation 31
Debit Card Fraud Losses 31
Card Fraud Losses in North America 31
Card Fraud Losses in Europe 31
Table 1: Global Debit Card Fraud Losses (2008): 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) 32

9. RECENT INDUSTRY ACTIVITY 33
CPI Card Group Acquires Certain Assets of Premier Card Solutions 33
STAR® Network and SunTrust Ink Exclusive Agreement 33
SIB Inks Strategic Agreement with MasterCard 33
Alaska Options® Inks Marketing Agreement with Total System
Services 33
SBI Enters into Joint Venture with Visa and Elavon 34
DPT Enters into Partnership with PXT Payments 34
Veritec Signs Marketing Agreement with PreVay 34
Wells Fargo Merges with Wachovia 35
EBRD Purchases Interest in Millikart 35
RBS WorldPay to Process Debit Cards of National Payment Card 35
Veritec and Cities in Touch in Memorandum of Agreement 35
Veritec and Security First Bank Ink License and Maintenance
Agreement 36
ICICI Bank and Visa Sign Agreement 36
Urban Trust Bank Signs Multi-Year Agreement with Visa 36
Tempo Forms Strategic Alliance with First Bank & Trust 36

10. CORPORATE ACTIVITY IN THE RECENT PAST - A PERSPECTIVE BUILDER 37
MasterCard Europe and Europay France to Merge 37
Visa and Yalamanchili Enter into Joint Venture 37
Intuit Takes Over Electronic Clearing House 37
NetSpend to Merge with Skylight Financial 37
RapidAdvance Purchases Merchant Cash Express 38
Neovia Financial Takes Over IDT Financial Services Holdings 38
M2 Global Takes Over iKobo 38
Pacific Financial Solutions Merges with EZ CARD & KIOSK 39
State Bank of India to Merge with State Bank of Saurashtra 39
Evolution Benefits to Buy Assets of Motivanos SmartFlex Business 39
3PEA International Takes Over Wow Technologies 39
Rechargeplus Global and eCommLink Enter into Alliance 40
Harris and NYCE Payments Renew Contract 40
eCommLink Enters into Partnership with Monitise Americas 40
Visa Signs Regional Agreements with HSBC 41
Oasis Online Technologies and SVC Sign Revenue Sharing Agreement 41
Club Vivanet and Expert Financial Systems Sign Processing
Services Agreement 41
Evolutions Benefits to License Patented Technology to Humana 42
NetSpend Corporation Signs Agreement with QC Financial 42
IBC Bank Signs Agreement with Visa 42
First Data Inks Multi-Year Contract with Wells Fargo Bank 42
First Data and Unicard Sign Agreement 42
First Data and Cadooz Ink Agreement 43
Metavante Adds Integrated Health Savings Account Solutions 43
Marshall & Ilsey Bank Chooses NYCE Payments Network 43
FNDS3000 Signs Agreement with Australis Financial Services 44
National City and Visa Renew Brand Agreement 44
BB&T Renews Partnership Agreement with Visa 44
U.S. Bank and Visa Renew Partnership Agreement 44
JP Morgan Chase Purchases Washington Mutual’s Banking Operations 44
Washington Mutual Signs Agreement with Cardtronics 44
Corporation Bank Teams Up with J.P. Morgan Chase 45
Société Générale, Royal Bank of Scotland, HDFC and United
Overseas Bank Join Forces 45
JPMorgan Receives Task Order from U.S. Department of Commerce 45
Deutsche Bank to Extend Cash Management Product Array 46
NASA Selects JPMorgan Chase 46
U.S. DOT Chooses JPMorgan Chase for Travel Card Program 46
YES Bank to Collaborate with J.P. Morgan 46
Heartland Payment Systems Takes Over Chockstone 46
M2 Global Signs Agreement with FirstPay 47
Sentinel Financial Group Enters into Partnership with
Evolution Benefits 47
China UnionPay Data Services Signs Agreement with Citi China 47
PaySpot Inks Agreement with Futura Card Services 47
Heartland Payment Systems Acquires Network Services Business
of Alliance Data 48
Metavante Acquires Nomad Payments 48
Fortress Financial Takes Over Moneyworx 48
Hertford to Deliver CrewCard Debit Cards 48
Net Spend and Capital One in Strategic Partnership 48
InComm and nFinanSe in Distribution Agreement 49
Serverside and PayJr Develop Program to Issue Customized Visa
Debit Cards 49
Capital One and NetSpend Team Up for Reloadable Prepaid Debit
Card 49
Interac Certifies Gemalto for Supply of EMV Compliant Debit Cards 50
Citibank and East Asia Bank Seek Approval for Selling Debit
Cards in China 50
German Sparda Chooses MasterCard’s Maestro Debit Plan 50
CCSI and Bone Thugs-N-Harmony Enter into Agreement 51
3PEA Forays into Prepaid Debit Cards Arena 51
eCommLink Partners with First Bank & Trust 51
Five Banks to Introduce Visa V Pay Chip-and-PIN-only Debit
Cards in Italy 51
Tempo Payments Inks Agreement With Fiserv EFT 52
No Borders Pens Pact with Corregidora Global Group to
Distribute Debit Cards 52
First Data Renews Agreement with LaSalle Bank & Golden 1
Credit Union 52
Atos Origin Acquires Banksys 53
Card Express Enters into Agreement with Eight Pemco
Technologies Customers 53
Alpine Bank Acquires Saylent Technologies Inc’s Y-Debit Solution 53
GTREX Capital Partners with XpressDebit for its Debit Card
Program 53
PayAllNow Selects Altair as a Preferred Debit Card Issuer for
European Payroll Market 54
SHPS, First Data & UMB Bank Team Up to Offer Debit Card 54
Global Financial Exchange Sets Up New Company with MGT 54
Fifth Third Expands Service Offerings by Acquiring CMC 55
LIC Partners with UTI to Provide Annuity Debit Cards 55
Soooogood Financial Services Inks Agreement to Distribute
Stored Value Debit Card 55

11. PRODUCT INTRODUCTIONS/INNOVATIONS 56
Ghana International Bank Unveils MasterCard Debit Card 56
UBL Ameen Introduces Visa Debit Card 56
PXT Introduces Smart Debit Card 56
SBI Unveils Platinum Debit Card 56
SoundBite Introduces Debit Card Overdraft Opt-In Solution 57
Barclays to Introduce Contactless Debit Cards 57
Hang Seng Bank Unveils RMB Debit Cards 57
nFinanSe Introduces Reloadable Prepaid Debit Card 57
Citibank and X5 Retail to Unveil Co-Branded Credit and Debit Card 58
nFinanSe to Launch Visa Prepaid Debit Card 58
Winn-Dixie and NetSpend Launches Prepaid Visa® Debit Card in
New Orleans 58
Tempo Payments Launches Web-Based Platform 58
MasterCard Unveils Money Manager 58
CMFIL to Introduce Prepaid Debit Cards in India 59
Meezan Bank Unveils Visa Debit Card 59
RCBC Introduces MyWallet MRT Card 59
Federal Bank Unveils Visa Debit Cards in Kochi 59
BoM Introduces Mahabank Insta International Visa Debit Card 59
BMI Bank Launches Chip-Enabled Visa Debit Card 60
Alinma Bank Introduces Visa Infinite Debit Card 60
Springbok Services to Launch Prepaid Debit Payroll Cards 60
Veritec Launches Mobile Debit Card Security Tool 60
Grupo Financiero Banamex Launches Platinum MasterCard Debit Card 60
JPMorgan Chase Introduces Chase Identity Protection Service 61
Bank of East Asia Introduces China UnionPay Debit Card 61
KeyBank Introduces MasterCard World Debit Contactless Card 61
Discover Financial Services Launch Reloadable Prepaid Debit Card 61
Taiwans Chunghwa Post to Introduce Visa Debit Card Service 61
NetSpend and Winn-Dixie Launch Prepaid Reloadable Debit Card 62
First Internet Bank Launches Visa Contactless Debit Card 62
Doha Bank Unveils Visa Debit Platinum Card 62

12. PRODUCT INNOVATIONS/INTRODUCTIONS IN THE RECENT PAST -
A PERSPECTIVE BUILDER 63
Standard Chartered Bank Rolls Out Platinum Debit Card 63
HSBC Bank Unveils Debit Cards in China 63
Ecobank Nigeria Rolls Out Multi-Currency Debit Card 63
Bank of America Rolls Out Visa Debit Card 64
Bank Freedom Rolls Out Prepaid Debit Card 64
Malayan Banking Launches Maybankard Visa Debit Card 64
J.P. Morgan Introduces Workers Compensation Card 64
Nedbank Unveils Npay 65
SBI Introduces Debit Cards in Canada 65
Washington Mutual Introduces WaMu® Debit MasterCard® with
PayPass™ 65
J.P. Morgan Introduces New Corporate Gold and Platinum Cards 65
Bankverein Werther and First Data to Introduce Prepaid Card 65
Citibank Introduces Citibank Visa Debit Card 66
Citibank Unveils Citibank Debit & ATM Cards 66
Citibank Unveils Renminbi Debit Card 66
Citibank Launches Emirates-Citibank Debit Card 67
Bank of Taiwan and Cosmos Bank Introduce Visa Debit Cards 67
Paychex Unveils Paychex FSA Debit Card 67
Citibank Unveils Co-Branded Debit Card 67
IDBI Rolls Out New International Debit MasterCard 68
Citibank and SMRT Introduce New Debit Card 68
Tempo & QuikTrip to Introduce Debit Card with Fuel Discount
Feature 68
Neteller Releases New Debit Cards in Asia and Europe 68
Guardian Launches Benny Prepaid MasterCard Debit Card 69
Murphy Oil to Introduce New Debit Cards 69
Sanlam Introduces Sanlam Liquid Debit Card 69
Halifax Launches First Visa Debit Card in Ireland 70
Indian Bank Introduces International Debit Card 70
Capital One to Launch New Debit Card 70
Barclays to Introduce Carbon Neutral Debit Card in the UK 71
MasterCard & Upromise Unveil New Rewards Program 71
MasterCard Offers Zero Liability Protection Program to US
Small Business Cards 71
MasterCard Introduces Counter-Fraud Solution for PIN Debit
Transactions 71
Axis Bank Introduces International Debit Card for Small &
Medium Enterprises 72
SBI to Introduce ATM-Cum-Debit Card Cash Back Scheme in Select
Cities 72
OPM Launches Debit Card for Procuring Healthcare Products on
Trial Basis 72
EDP Launches Elvis Presley Prepaid Visa® Card 72
Chase Introduces Visa-Branded ‘Blink’ Debit Cards 72
HDFC Launches Exclusive Debit Card for Women 73
Discover Financial Unveils New Discover® Signature Debit Card 73
Binghamton Introduces Giant EXTRA Plus Debit Card for its
Customers 73
VIB Unveils New VIB Values Debit Card 74
IBQ Rolls Out Debit Card for Middle East & North African Markets 74
Bulgaria FIB Introduces Visa Electron Debit Card for Online
Transactions 74
UniCredit Romania Unveils Visa Business Electron Debit Card 74
U.S. Bank & Cabela’s Roll Out Debit Card with Rewards Program 74
TalkSport Introduces Pre-Pay Debit Card to Enter Financial
Services Market 75
Metavante Integrates BenSoft’s RepayMe Solution into its
Healthcare Debit Card 75
Debitman Receives Patent for New Retailer Debit Card Network
Payment System 75
Dashen Introduces First Visa Electron Debit Card in Ethiopia 76
ANZ Introduces ANZ Everyday Visa Debit Card 76
RCBC Unveils Debit Card for Overseas Filipino Workers 76
DTB Forays into Card Business by Launching Open Visa Debit Card 76
Citibank Introduces Student Debit Scholarship Card Across Poland 76
NBB Rolls Out New MasterCard Debit Card Across Bahrain 77
QCSI Incorporates MyHealthBank Software into Benefits Debit Card 77
Visa Collaborates with Insurance Companies to Offer Debit Card 77
PNB and MasterCard Introduce PNB MasterCard Debit Card 77
Banamex Introduces New Toluca Co-Branded Debit Card 77

13. FOCUS ON SELECT PLAYERS 78
Debit Card Issuers 78
Bank of America Corporation (US) 78
Barclays Bank Plc (UK) 78
China Merchants Bank Co., Ltd (China) 78
Citigroup, Inc. (US) 79
Citibank, Inc. (US) 79
Crédit Agricole S.A (France) 79
Deutsche Bank AG (Germany) 80
HSBC Bank plc (UK) 80
ICICI Bank ltd (India) 80
ING Group N.V. (The Netherlands) 80
JCB Co., Ltd. (Japan) 81
JPMorgan Chase & Co. (US) 81
Laser Card Services Ltd. (Ireland) 82
Lloyds Banking Group PLC (UK) 82
The Royal Bank of Scotland Group Plc (UK) 82
S2 Card Services Ltd. (UK) 82
State Bank of India (India) 83
Wells Fargo & Company (US) 83
Wachovia Corporation (US) 83
EFT Networks/Card Processing Companies 84
Atos Worldline SA (France) 84
First Data Corporation (US) 84
STAR® Networks, Inc. 84
Fidelity National Information Services, Inc. (US) 84
MasterCard Incorporated (US) 85
NYCE Payments Network, LLC (US) 85
PULSE EFT Association, Inc. (US) 86
SIA-SSB S.p.A. (Italy) 86
Visa, Inc. (US) 86
Visa U.S.A., Inc. (US) 87

14. GLOBAL MARKET PERSPECTIVE 88
Table 2: 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 2009 through 2015 (includes
corresponding Graph/Chart) 88

Table 3: World Historic Review 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 2008 (includes corresponding Graph/Chart) 89

Table 4: World 11-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 2005, 2010 &
2015 (includes corresponding Graph/Chart) 90

15. THE UNITED STATES 91
A.Market Analysis 91
Outlook 91
Debit Cards Market 91
A Preview 91
Debit Card Use: Unaffected by Economic Downturn 92
Debit Cards Market in 2009 - At a Glance 93
Reg E to Affect Issuers’ Overdraft and Interchange Income 93
Rising Threat of Fraud 94
Preference for Cash Transactions Affects Card Usage 94
Recession Favors Visa & MasterCard 94
Factors Driving Growth of Debit Cards 94
Rewards & Prepaid Cards 94
Routine & Low-Value Transactions 95
Debit Card Transactions Witness Rapid Growth 95
Table 5: Payment Cards Market in the US (2009): Percentage
Share Breakdown of Transaction Value for Credit Cards, and
Debit and Prepaid Cards 95
Card Associations in the US 96
Visa & MasterCard - An Intense Battle 97
Online Vs Offline Debit Cards 97
Offline: The Dominant Debit Card Program 97
Table 6: Leading Networks in the US Signature Debit Market
(2007): Percentage Share Breakdown of Transaction Volume
for Visa and MasterCard 98

Table 7: Leading Issuers of Signature Debit Cards in the
US (2007): Percentage Share Breakdown of Transaction Value
for Bank of America, Wells Fargo, JP Morgan Chase,
Wachovia, Washington Mutual, U.S. Bank, Regions Bank,
Fifth Third, USAA Savings, and Others (includes
corresponding Graph/Chart) 98
PIN Debit - Faster Growing Debit Program 99
Leaders in the PIN Debit Market 99
Table 8: Leading Players in the US PIN Debit Market
(2008): Percentage Share Breakdown of Purchase and Cash
Transactions for Visa, Star, Pulse, NYCE, Accel, and
Others (includes corresponding Graph/Chart) 100

Table 9: Leading Issuers of PIN Debit Cards in the US
(2007): Percentage Share Breakdown of Transaction Value
for Bank of America, Wells Fargo, Washington Mutual,
Wachovia, JP Morgan Chase, Regions Bank, U.S. Bank,
SunTrust, Citigroup, and Others (includes corresponding
Graph/Chart) 100
Comparative Analysis of Cost Per Transaction 100
Table 10: Cost Per Transaction for PIN Debit, Signature
Debit, and Credit Transactions in the US 101

Table 11: Network Pricing for Retail Transactions Using
PIN Debit Cards 101
Trends in Signature & PIN Debit Card Segments 101
Trends & Developments 102
Debit Cards - Replacing Cash Payments 102
Card Networks & Issuers Target Young Consumers 102
Women Debit Card Users on the Rise 102
Teen Prepaid Cards Growing Popular 103
Credit Unions Benefit from Growing Debit Card Usage 103
Government Agencies Slow to Adopt Debit Cards for
Disbursements 103
Card Issuers Capitalize on ‘Back-to-School’ Spending Period 103
Debit Cards in Natural Emergencies 104
Visa Provides E-Payment Facility in Theatres 104
Surging Use of MasterCard’s PayPass Debit & Credit Cards 104
Debit Cards Erode Credit Cards Revenues 104
Rising Debt from Credit Cards Drives Use of Debit Cards 104
Major Challenges & Issues 105
Interchange Fee - A Major Challenge for Card Associations 105
Lack of Consensus on Revenues Hampers Revenue Generation 105
Multiplicity of Cards - A Major Obstacle for Consumers 105
Demographic Challenges Hurdle Rapid Adoption 105
‘Bucket Spending’ Limits Card Usage to Small-Value
Transactions 105
Security - A Key Concern for Issuing Banks 106
Debit Card Usage at Stores 106
Reward Programs for Debit Cards 106
Prepaid Debit Cards Gaining Popularity 107
Growth Opportunity Lures Card Networks 107
Prepaid Finds Use in Payments & Remittances 107
Restrictions on Interchange Fees - A Major Hurdle 108
Open Loop Prepaid Market - Growth Opportunities & Roadblocks 108
Rising Debit Card Fraud - A Key Concern for Card Participants 108
Table 12: US Payments Industry (2009): Percentage
Breakdown of Fraud Loss by Payment Type for Credit Card,
Check, Signature Debit, PIN Debit and ACH (includes
corresponding Graph/Chart) 109
Contactless Technology Offer Enormous Growth Potential 110
Growing Penetration of Debit Cards Among Small Businesses 110
Rising Use of Debit Cards for Micro-Payments 110
Debit Cards for Healthcare Benefits Plan Administration 111
Growing Demand for Debit Cards in Healthcare Benefits
Administration Programs 111
Smart Medical Debit Cards Facilitate Faster Claim Settlements 111
Debit Cards Facilitate Faster and Secure Child Support Payments 112
Prepaid Debit Cards - Ideal for Benefits Payments 112
Payroll Debit Cards for Banked and Un-banked Employees 112
Card Companies Focus on Minority Communities 113
Debit Cards Used for Payment of Unemployment Benefits 113
Prepaid Debit Cards Market in the US 114
B.Market Analytics 114
Table 13: 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 2009 through 2015
(includes corresponding Graph/Chart) 114

Table 14: US Historic Review 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 2008 (includes corresponding
Graph/Chart) 115

Table 15: US 11-Year Perspective for Debit Cards by Product
Segment - Percentage Breakdown by Cards in Use for Signature
(Offline) and PIN (Online) Markets for Years 2005, 2010 &
2015 115

Table 16: US Recent Past, Current & Future Analysis for
Debit Card by Product Segment - Signature (Offline) and PIN
(Online) Markets Independently Analyzed with Transaction
Volume in Billion for Years 2009 through 2015 (includes
corresponding Graph/Chart) 116

Table 17: US Historic Review for Debit Card by Product
Segment - Signature (Offline) and PIN (Online) Markets
Independently Analyzed with Transaction Volume in Billion
for Years 2003 through 2008 (includes corresponding
Graph/Chart) 117

Table 18: US 11-Year Perspective for Debit Cards by Product
Segment - Percentage Breakdown by Transaction Volume for
Signature (Offline) and PIN (Online) Markets for Years 2005,
2010 & 2015 117

16. CANADA 118
A.Market Analysis 118
Outlook 118
Payment Cards Market - An Overview 118
A Chronology of Select Technological Developments in
Canada’s Financial Industry 118
IDP - Canada’s National Debit Scheme 119
Tech-Savvy Consumers Facilitate Growth in Electronic
Payments Segment 119
Canada Promotes Use of Chip-Enabled Cards 119
Consumers Prefer PIN Debit Transactions 119
B.Market Analytics 120
Table 19: Canada Recent Past, Current & Future Analysis for
Debit Cards Market Analyzed with Annual Number of Cards in
Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 120

Table 20: Canada Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 120

17. JAPAN 121
A.Market Analysis 121
Outlook 121
Payments Cards in Japan - An Overview 121
A Historical Perspective 121
Debit Cards System in Japan 122
Card Associations in Japan 122
Online Processing Dominates Debit Card Processing Scenario 122
B.Market Analytics 123
Table 21: Japanese Recent Past, Current & Future Analysis
for Debit Cards Market Analyzed with Annual Number of Cards
in Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 123

Table 22: Japanese Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 123

18. EUROPE 124
A.Market Analysis 124
Outlook 124
Banking Facilities in Europe 124
Central and Eastern Europe (CEE) Region 124
Cards Replace Cash and Paper Transactions 125
Payments Cards Address Needs of Un-Banked Population 125
Focus on Prepaid Cards 125
Single Euro Payments Area (SEPA) Takes Shape in Europe 126
Rationale Behind SEPA 126
What is SEPA? 126
Major Highlights of SEPA 126
B.Market Analytics 127
Table 23: 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 2009 through 2015 (includes corresponding
Graph/Chart) 127

Table 24: European Historic Review 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 2008 (includes corresponding Graph/Chart) 128

Table 25: European 11-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 2005, 2010 & 2015 (includes corresponding
Graph/Chart) 129

18a. FRANCE 130
A.Market Analysis 130
Outlook 130
Payment Cards Market in France - An Overview 130
Debit Cards in France 130
Carte Bleue - The National Debit Card Scheme 130
B.Market Analytics 131
Table 26: French Recent Past, Current & Future Analysis for
Debit Cards Market Analyzed with Annual Number of Cards in
Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 131

Table 27: French Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 131

18b. GERMANY 132
A.Market Analysis 132
Outlook 132
An Overview of the German Payment Cards Market 132
B.Market Analytics 133
Table 28: German Recent Past, Current & Future Analysis for
Debit Cards Market Analyzed with Annual Number of Cards in
Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 133

Table 29: German Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 133

18c. ITALY 134
A.Market Analysis 134
Outlook 134
Payment Cards Market - An Insight 134
Table 30: Italian Payment Cards Market (2008): Percentage
Breakdown of Transaction Volume for Credit and Debit Cards 134
Payment Network 134
MasterCard Vs Visa 134
B.Market Analytics 135
Table 31: Italian Recent Past, Current & Future Analysis for
Debit Cards Market Analyzed with Annual Number of Cards in
Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 135

Table 32: Italian Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 135

18d. UNITED KINGDOM 136
A.Market Analysis 136
Outlook 136
Impact of Recession 136
Payments Market - An Overview 136
At a Glance 137
Table 33: Payment Cards Market in the UK (2006- 2009):
Percentage Share Breakdown of Purchase Value for Credit
Cards, Charge Cards, and Debit Cards (includes
corresponding Graph/Chart) 137

Table 34: Frequency of Payment Card Used (2009): Breakdown
for Credit Card, Charge Card, and Debit Card (includes
corresponding Graph/Chart) 138
Debit Cards Outshine Credit Cards 138
Table 35: Debit Card Schemes in the UK (2006-2009):
Percentage Share Breakdown of Transaction Value for Visa,
Electron, Maestro, and Others (includes corresponding
Graph/Chart) 139
Card Associations in the UK 139
Chip & PIN Technology Lowers Card Fraud Losses 140
Growing Demand for Prepaid Cards 140
Open-Loop Prepaid Cards Market 140
UK Introduces Contactless Cards for Low-Value Transactions 141
B.Market Analytics 142
Table 36: UK Recent Past, Current & Future Analysis for
Debit Cards Market Analyzed with Annual Number of Cards in
Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 142

Table 37: UK Historic Review for Debit Cards Market Analyzed
with Annual Number of Cards in Use in Million for Years 2003
through 2008 (includes corresponding Graph/Chart) 142

18e. SPAIN 143
A.Market Analysis 143
Outlook 143
Overview of Spanish Payment Cards Market 143
B.Market Analytics 144
Table 38: Spanish Recent Past, Current & Future Analysis for
Debit Cards Market Analyzed with Annual Number of Cards in
Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 144

Table 39: Spanish Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 144

18f. RUSSIA 145
A.Market Analysis 145
Outlook 145
Debit Card Usage Grows 145
B.Market Analytics 146
Table 40: Russian Recent Past, Current & Future Analysis for
Debit Cards Market Analyzed with Annual Number of Cards in
Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 146

Table 41: Russian Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 146

18g. REST OF EUROPE 147
A.Market Analysis 147
Outlook 147
Payment Cards Set for Rapid Growth in Central Europe 147
Select Regional Markets - An Overview 147
Belgium 147
Mobile Phones As Debit Cards 147
Finland 148
Greece 148
Ireland 148
Overview 148
Laser - The National Debit Card Scheme 148
Declining Share of Check-Based Payments 149
Portugal 149
The Netherlands 149
Turkey 150
An Insight into Turkish Payment Cards Market 150
Credit Cards Hold Sway in Turkish Payments Market 150
Advanced Infrastructure Facilities to Drive Cards Market 150
B.Market Analytics 151
Table 42: Rest of Europe Recent Past, Current & Future
Analysis for Debit Cards Market Analyzed with Annual Number
of Cards in Use in Million for Years 2009 through 2015
(includes corresponding Graph/Chart) 151

Table 43: Rest of Europe Historic Review for Debit Cards
Market Analyzed with Annual Number of Cards in Use in
Million for Years 2003 through 2008 (includes corresponding
Graph/Chart) 151

19. ASIA-PACIFIC 152
A.Market Analysis 152
Outlook 152
B.Market Analytics 152
Table 44: 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 2009 through 2015 (includes corresponding
Graph/Chart) 152

Table 45: Asia-Pacific Historic Review 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 for Years 2003
through 2008 (includes corresponding Graph/Chart) 153

Table 46: Asia-Pacific 11-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 2005, 2010 & 2015 (includes
corresponding Graph/Chart) 154

19a. AUSTRALIA 155
A.Market Analysis 155
Outlook 155
Overview 155
EMV Compliance & Technological Advancements Hold Key to Growth 155
RBA Introduces New Regulations for Payment Cards Industry 155
Debit Cards in Australia 155
Recession Fosters Debit Card Use 156
Table 47: Payment Modes in Australia (2008): Percentage
Share Breakdown of Transaction Value for Credit Cards,
Debit Cards, and Cash and Checks (includes corresponding
Graph/Chart) 156
Interchange Fee in Australia 157
RBA Proposes Reforms to ATM Fees 157
Debit Card Fraud in Australia 157
B.Market Analytics 158
Table 48: Australian Recent Past, Current & Future Analysis
for Debit Cards Market Analyzed with Annual Number of Cards
in Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 158

Table 49: Australian Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 158

19b. CHINA 159
A.Market Analysis 159
Outlook 159
China’s Bankcard Industry - An Overview 159
Table 50: Bankcards Industry in China (2008): Percentage
Share Breakdown of Cards Issued by Payment Card for Debit
and Credit Cards 159
Rise in Personal Accounts Facilitate Debit Card Use 159
Government Promotes Use of Bankcards 160
Additional Services Ensure Continuous Growth for Debit Cards 160
B.Market Analytics 160
Table 51: Chinese Recent Past, Current & Future Analysis for
Debit Cards Market Analyzed with Annual Number of Cards in
Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 160

Table 52: Chinese Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 161

19c. INDIA 162
A.Market Analysis 162
Outlook 162
Financial Cards Industry in India 162
Table 53: Payments Card Industry in India (2007- 2009):
Percentage Share Breakdown of Number of Cards in
Circulation for Debit Cards and Credit Cards (includes
corresponding Graph/Chart) 163

Table 54: Payments Card Industry in India (2008- 2009):
Percentage Share Breakdown of Transaction Value for Debit
Cards and Credit Cards 163
Debit Cards - A Dominant Presence 163
Recession Fails to Dent Growth Prospects 164
Table 55: Average Annual Debit Card Spending at Merchant
POS Terminals (2006-2009) (includes corresponding Graph/
Chart) 165
Issues & Trends 165
Credit Cards - Preferred for High-Value Purchases 165
Prepaid & Premium Cards - Potential for Higher Debit Card
Utilization 165
Increased Adoption of Electronic Systems Boosts Demand for
Debit Cards 165
Low Utilization Rates at POS Terminals 166
Overcoming Infrastructure Challenges 166
Table 56: Density of ATMs in Select Countries (includes
corresponding Graph/Chart) 166
Focus Shifts to Smaller Towns & Cities 167
Visa Initiates ADP Program for Developing Infrastructure
in Smaller Cities 167
SBI Promotes Debit Card Usage in Small Cities 167
MasterCard & Visa Offer Differentiated Products 167
Card Use for Routine Payments Grows 167
Banks Promote Card Usage for Modernization of Banking
Operations 167
Visa Provides Zero Liability Protection Program for Debit
Cardholders 168
SBI Dominates Debit Card Issuance Scenario 168
Table 57: Leading Players in the Indian Debit Cards Market
(2008-09): Percentage Share Breakdown of Cards Issued for
State Bank of India, ICICI Bank, Axis Bank, HDFC, PNB,
Canara Bank, Andhra Bank, BOB, and Others (includes
corresponding Graph/Chart) 168

Table 58: Leading Indian Banks by Number of ATM Outlets
(2009): Percentage Share Breakdown for SBI, ICICI, Axis,
HDFC, PNB, Canara Bank, UBI, and Others (includes
corresponding Graph/Chart) 169

Table 59: Leading Indian Banks by Number of Merchant POS
Terminals (2009): Percentage Share Breakdown for ICICI,
Axis, HDFC, HSBC, Citibank, BOB, and Others (includes
corresponding Graph/Chart) 169
B.Market Analytics 170
Table 60: Indian Recent Past, Current & Future Analysis for
Debit Cards Market Analyzed with Annual Number of Cards in
Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 170

Table 61: Indian Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 170

19d. SINGAPORE 171
A.Market Analysis 171
Outlook 171
An Insight into Singapore’s Cards Market 171
B.Market Analytics 172
Table 62: Singaporean Recent Past, Current & Future Analysis
for Debit Cards Market Analyzed with Annual Number of Cards
in Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 172

Table 63: Singaporean Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 172

19e. REST OF ASIA-PACIFIC 173
A.Market Analysis 173
Outlook 173
Select Regional Markets - An Overview 173
Malaysia 173
Recession Fosters Debit Card Use 173
EMV Compliance Fosters Debit Card Growth 173
Major Card Issuers in Malaysia 174
South Korea 174
The Philippines 174
Growing Popularity of Debit Cards 174
Debit Cards for Payroll & Benefit Remittance Applications 175
Thailand 175
Vietnam 175
B.Market Analytics 176
Table 64: Rest of Asia-Pacific Recent Past, Current & Future
Analysis for Debit Cards Market Analyzed with Annual Number
of Cards in Use in Million for Years 2009 through 2015
(includes corresponding Graph/Chart) 176

Table 65: Rest of Asia-Pacific Historic Review for Debit
Cards Market Analyzed with Annual Number of Cards in Use in
Million for Years 2003 through 2008 (includes corresponding
Graph/Chart) 176

20. LATIN AMERICA 177
A.Market Analysis 177
Outlook 177
Payments Industry in Latin America - An Introduction 177
Low Penetration of Banking Services - A Major Obstacle 177
Impact of Inter-Country Differences 178
Debit Cards Market in Latin America 178
The Beginning 178
Banks & Governments Promote Debit Card Usage 178
Low Consumer Savings Imply Lesser POS Transactions 178
Debit Card Issuers Face the Heat from Credit Cards 179
Visa’s Card Transactions Grow Rapidly in Latin America 179
Electronic Payment Systems Infrastructure in Latin America 179
Clearing House 179
Card Networks 179
B.Market Analytics 180
Table 66: 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 for Years 2009 through 2015 (includes corresponding
Graph/Chart) 180

Table 67: Latin America Historic Review 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 for Years 2003 through 2008
(includes corresponding Graph/Chart) 181

Table 68: Latin America 11-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 2005, 2010 & 2015 (includes corresponding
Graph/Chart) 182

20a. ARGENTINA 183
A.Market Analysis 183
Outlook 183
Debit Cards Market - An Insight 183
B.Market Analytics 184
Table 69: Argentinean Recent Past, Current & Future Analysis
for Debit Cards Market Analyzed with Annual Number of Cards
in Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 184

Table 70: Argentinean Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 184

20b. BRAZIL 185
A.Market Analysis 185
Outlook 185
Rising Popularity of Plastic Payments 185
Table 71: Payment Cards Market in Brazil (2008): Percentage
Share Breakdown of Number of Cards for Credit Cards, Debit
Cards, and Private Label Cards (includes corresponding
Graph/Chart) 185

Table 72: Payment Cards Market in Brazil (2008 & 2009):
Percentage Share Breakdown of Turnover for Credit Cards and
Debit Cards 186
Debit Cards: Driving Payments Market 186
B.Market Analytics 186
Table 73: Brazilian Recent Past, Current & Future Analysis
for Debit Cards Market Analyzed with Annual Number of Cards
in Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 186

Table 74: Brazilian Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 187

20c. MEXICO 188
A.Market Analysis 188
Outlook 188
An Introduction to Mexican Payments System 188
Debit Cards Market in Mexico 188
A Preview 188
Debit Cards - Low Utilization Rates Offers Growth Prospects 189
Banks Collaborate with Government Agencies to Promote Card Use 189
B.Market Analytics 189
Table 75: Mexican Recent Past, Current & Future Analysis for
Debit Cards Market Analyzed with Annual Number of Cards in
Use in Million for Years 2009 through 2015 (includes
corresponding Graph/Chart) 189

Table 76: Mexican Historic Review for Debit Cards Market
Analyzed with Annual Number of Cards in Use in Million for
Years 2003 through 2008 (includes corresponding Graph/Chart) 190

20d. REST OF LATIN AMERICA 191
A.Market Analysis 191
Outlook 191
A Brief Overview of Select Regional Markets 191
Chile 191
Colombia 191
Peru 191
Venezuela 191
B.Market Analytics 192
Table 77: Rest of Latin America Recent Past, Current &
Future Analysis for Debit Cards Market Analyzed with Annual
Number of Cards in Use in Million for Years 2009 through
2015 (includes corresponding Graph/Chart) 192

Table 78: Rest of Latin America Historic Review for Debit
Cards Market Analyzed with Annual Number of Cards in Use in
Million for Years 2003 through 2008 (includes corresponding
Graph/Chart) 192

21. REST OF WORLD 193
A.Market Analysis 193
Outlook 193
Select Regional Markets - An Overview 193
South Africa 193
Debit Cards - Driving Force for Financial Cards Market 193
Un-banked Population - Potential for Growth 193
Fighting Card Fraud with EMV Compliance 194
Kenya 194
Inadequate Telecom Infrastructure - A Major Obstacle for
Debit Card Usage 194
Nigeria 194
Rise in Debit Card-Based Online Payments Across the Middle
East 195
B.Market Analytics 195
Table 79: Rest of World Recent Past, Current & Future
Analysis for Debit Cards Market Analyzed with Annual Number
of Cards in Use in Million for Years 2009 through 2015
(includes corresponding Graph/Chart) 195

Table 80: Rest of World Historic Review for Debit Cards
Market Analyzed with Annual Number of Cards in Use in
Million for Years 2003 through 2008 (includes corresponding
Graph/Chart) 196


COMPETITION

Total Companies Profiled: 171 (including Divisions/Subsidiaries - 194)

---------
Region/Country Players
---------
The United States 86
Canada 4
Japan 1
Europe 31
France 2
Germany 4
The United Kingdom 11
Italy 1
Rest of Europe 13
Asia-Pacific (Excluding Japan) 56
Latin America 3
Africa 6
Middle-East 6
Caribbean 1
---------

 
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