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Financial Cards and Payments in Germany

  • ID: 1209024
  • Report
  • November 2020
  • Region: Germany
  • 64 pages
  • Euromonitor International
In 2020, the economic ramifications of COVID-19 resulted in an abrupt reversal of the decade-long GDP growth in Germany. An important element of GDP, and therefore similarly impacted, is consumer expenditure by resident households, which, in turn, translated into an unprecedented decline in consumer payments. However, the decline in consumer payment transaction volume and value was not equally distributed across card, cash and electronic payments.

The Financial Cards and Payments in Germany report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store 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, M-Commerce, Transactions.

Data coverage: Market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?
  • Get a detailed picture of the Financial Cards and Payments market;
  • Pinpoint growth sectors and identify factors driving change;
  • Understand the competitive environment, the market’s major players and leading brands;
  • Use five-year forecasts to assess how the market is predicted to develop.
Note: Product cover images may vary from those shown
EXECUTIVE SUMMARY
  • COVID-19 impact on consumer payments
  • COVID-19 country impact
  • Unprecedented stimulus programme aims to mitigate impact on consumer spending
  • Smartphone use and contactless technology drive changing payment behaviour
  • Competitive landscape becomes more dynamic as payment behaviour shifts
  • What next for consumer payments?
MARKET INDICATORS
  • Table 1 Number of POS Terminals: Units 2015-2020
  • Table 2 Number of ATMs: Units 2015-2020
  • Table 3 Value Lost to Fraud 2015-2020
  • Table 4 Card Expenditure by Location 2020
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2015-2020
  • Table 6 Domestic versus Foreign Spend 2020
MARKET DATA
  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2015-2020
  • Table 8 Financial Cards by Category: Number of Accounts 2015-2020
  • Table 9 Financial Cards Transactions by Category: Value 2015-2020
  • Table 10 Financial Cards by Category: Number of Transactions 2015-2020
  • Table 11 Consumer Payments by Category: Value 2015-2020
  • Table 12 Consumer Payments by Category: Number of Transactions 2015-2020
  • Table 13 M-Commerce by Category: Value 2015-2020
  • Table 14 M-Commerce by Category: % Value Growth 2015-2020
  • Table 15 Financial Cards: Number of Cards by Issuer 2015-2019
  • Table 16 Financial Cards: Number of Cards by Operator 2015-2019
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2015-2019
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2015-2019
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2020-2025
  • Table 20 Forecast Financial Cards by Category: Number of Accounts 2020-2025
  • Table 21 Forecast Financial Cards Transactions by Category: Value 2020-2025
  • Table 22 Forecast Financial Cards by Category: Number of Transactions 2020-2025
  • Table 23 Forecast Consumer Payments by Category: Value 2020-2025
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2020-2025
  • Table 25 Forecast M-Commerce by Category: Value 2020-2025
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2020-2025
DISCLAIMER

GLOBAL MACROECONOMIC ENVIRONMENT

GLOBAL INDUSTRY ENVIRONMENT

SOURCES
  • Summary 1 Research Sources
KEY DATA FINDINGS

2020 IMPACT
  • COVID-19-related shift to cards fuels debit card transactions
  • COVID-19 accelerates already existing surge of debit card payments
  • Non-girocard debit cards see growing consumer interest
RECOVERY AND OPPORTUNITIES
  • Despite ongoing shift, questions remain about sustained debit card growth potential
  • Girocard for mobile payments provides further boost for debit cards
  • Commercial debit cards offer additional growth potential
CATEGORY DATA
  • Table 27 Debit Cards: Number of Cards in Circulation 2015-2020
  • Table 28 Debit Cards Transactions 2015-2020
  • Table 29 Debit Cards in Circulation: % Growth 2015-2020
  • Table 30 Debit Cards Transactions: % Growth 2015-2020
  • Table 31 Debit Cards: Number of Cards by Issuer 2015-2019
  • Table 32 Debit Cards: Number of Cards by Operator 2015-2019
  • Table 33 Debit Cards Payment Transaction Value by Issuer 2015-2019
  • Table 34 Debit Cards Payment Transaction Value by Operator 2015-2019
  • Table 35 Forecast Debit Cards: Number of Cards in Circulation 2020-2025
  • Table 36 Forecast Debit Cards Transactions 2020-2025
  • Table 37 Forecast Debit Cards in Circulation: % Growth 2020-2025
  • Table 38 Forecast Debit Cards Transactions: % Growth 2020-2025
KEY DATA FINDINGS

2020 IMPACT
  • Credit cards benefit from COVID-19-related increase in payment card usage
  • Surging e-commerce payments fuel co-branded credit cards
  • Revolving credit becomes more important amidst economic uncertainty
RECOVERY AND OPPORTUNITIES
  • Low awareness points to strong growth potential
  • Co-branded credit cards provide critical added value necessary for growth
  • Banks with strong incentive to increase card lending
CATEGORY DATA
  • Table 39 Credit Cards: Number of Cards in Circulation 2015-2020
  • Table 40 Credit Cards Transactions 2015-2020
  • Table 41 Credit Cards in Circulation: % Growth 2015-2020
  • Table 42 Credit Cards Transactions: % Growth 2015-2020
  • Table 43 Personal Credit Cards: Number of Cards in Circulation 2015-2020
  • Table 44 Personal Credit Cards Transactions 2015-2020
  • Table 45 Personal Credit Cards in Circulation: % Growth 2015-2020
  • Table 46 Personal Credit Cards Transactions: % Growth 2015-2020
  • Table 47 Credit Cards: Number of Cards by Issuer 2015-2019
  • Table 48 Credit Cards: Number of Cards by Operator 2015-2019
  • Table 49 Credit Cards Payment Transaction Value by Issuer 2015-2019
  • Table 50 Credit Cards Payment Transaction Value by Operator 2015-2019
  • Table 51 Personal Credit Cards: Number of Cards by Issuer 2015-2019
  • Table 52 Personal Credit Cards: Number of Cards by Operator 2015-2019
  • Table 53 Personal Credit Cards Payment Transaction Value by Issuer 2015-2019
  • Table 54 Personal Credit Cards Payment Transaction Value by Operator 2015-2019
  • Table 55 Forecast Credit Cards: Number of Cards in Circulation 2020-2025
  • Table 56 Forecast Credit Cards Transactions 2020-2025
  • Table 57 Forecast Credit Cards in Circulation: % Growth 2020-2025
  • Table 58 Forecast Credit Cards Transactions: % Growth 2020-2025
  • Table 59 Forecast Personal Credit Cards: Number of Cards in Circulation 2020-2025
  • Table 60 Forecast Personal Credit Cards Transactions 2020-2025
  • Table 61 Forecast Personal Credit Cards in Circulation: % Growth 2020-2025
  • Table 62 Forecast Personal Credit Cards Transactions: % Growth 2020-2025
KEY DATA FINDINGS

2020 IMPACT
  • Charge cards surge in view of COVID-19-related payment shifts
  • Growing merchant acceptance in 2020 fuels growth trend
  • Consumer view on charge cards evolves amid COVID-19 pandemic
RECOVERY AND OPPORTUNITIES
  • Operators and issuers seek further growth through focus on consumer benefits
  • Increased usage of mobile payments offers growth impetus
  • Commercial charge cards suffer from bleak outlook for business travel
CATEGORY DATA
  • Table 63 Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 64 Charge Cards Transactions 2015-2020
  • Table 65 Charge Cards in Circulation: % Growth 2015-2020
  • Table 66 Charge Cards Transactions: % Growth 2015-2020
  • Table 67 Commercial Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 68 Commercial Charge Cards Transactions 2015-2020
  • Table 69 Commercial Charge Cards in Circulation: % Growth 2015-2020
  • Table 70 Commercial Charge Cards Transactions: % Growth 2015-2020
  • Table 71 Personal Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 72 Personal Charge Cards Transactions 2015-2020
  • Table 73 Personal Charge Cards in Circulation: % Growth 2015-2020
  • Table 74 Personal Charge Cards Transactions: % Growth 2015-2020
  • Table 75 Charge Cards: Number of Cards by Issuer 2015-2019
  • Table 76 Charge Cards: Number of Cards by Operator 2015-2019
  • Table 77 Charge Cards Payment Transaction Value by Issuer 2015-2019
  • Table 78 Charge Cards Payment Transaction Value by Operator 2015-2019
  • Table 79 Commercial Charge Cards: Number of Cards by Issuer 2015-2019
  • Table 80 Commercial Charge Cards: Number of Cards by Operator 2015-2019
  • Table 81 Commercial Charge Cards Payment Transaction Value by Issuer 2015-2019
  • Table 82 Commercial Charge Cards Payment Transaction Value by Operator 2015-2019
  • Table 83 Personal Charge Cards: Number of Cards by Issuer 2015-2019
  • Table 84 Personal Charge Cards: Number of Cards by Operator 2015-2019
  • Table 85 Personal Charge Cards Transaction Value by Issuer 2015-2019
  • Table 86 Personal Charge Cards Transaction Value by Operator 2015-2019
  • Table 87 Forecast Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 88 Forecast Charge Cards Transactions 2020-2025
  • Table 89 Forecast Charge Cards in Circulation: % Growth 2020-2025
  • Table 90 Forecast Charge Cards Transactions: % Growth 2020-2025
  • Table 91 Forecast Commercial Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 92 Forecast Commercial Charge Cards Transactions 2020-2025
  • Table 93 Forecast Commercial Charge Cards in Circulation: % Growth 2020-2025
  • Table 94 Forecast Commercial Charge Cards Transactions: % Growth 2020-2025
  • Table 95 Forecast Personal Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 96 Forecast Personal Charge Cards Transactions 2020-2025
  • Table 97 Forecast Personal Charge Cards in Circulation: % Growth 2020-2025
  • Table 98 Forecast Personal Charge Cards Transactions: % Growth 2020-2025
KEY DATA FINDINGS

2020 IMPACT
  • Pre-paid cards hit by the strong decline in consumer expenditure
  • Open-loop pre-paid cards performance driven by pandemic-related shift to cards
  • Lockdown measures have a negative effect on closed-loop pre-paid cards
RECOVERY AND OPPORTUNITIES
  • Pre-paid cards are expected to return to growth path
  • Open-loop pre-paid cards lose growth momentum over the forecast period
  • Closed-loop pre-paid cards will return to growth over the forecast period
CATEGORY DATA
  • Table 99 Pre-paid Cards: Number of Cards in Circulation 2015-2020
  • Table 100 Pre-paid Cards Transactions 2015-2020
  • Table 101 Pre-paid Cards in Circulation: % Growth 2015-2020
  • Table 102 Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 103 Closed Loop Pre-paid Cards Transactions 2015-2020
  • Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 105 Open Loop Pre-paid Cards Transactions 2015-2020
  • Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 107 Pre-paid Cards: Number of Cards by Issuer 2015-2019
  • Table 108 Pre-paid Cards: Number of Cards by Operator 2015-2019
  • Table 109 Pre-paid Cards Transaction Value by Issuer 2015-2019
  • Table 110 Pre-paid Cards Transaction Value by Operator 2015-2019
  • Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019
  • Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2015-2019
  • Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2015-2019
  • Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2015-2019
  • Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019
  • Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2015-2019
  • Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2015-2019
  • Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2015-2019
  • Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2020-2025
  • Table 120 Forecast Pre-paid Cards Transactions 2020-2025
  • Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2020-2025
  • Table 122 Forecast Pre-paid Cards Transactions: % Growth 2020-2025
  • Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2020-2025
  • Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
  • Table 125 Forecast Open Loop Pre-paid Cards Transactions 2020-2025
  • Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2020-2025
KEY DATA FINDINGS

2020 IMPACT
  • COVID19-related decline in store-based sales negatively impacts store cards
  • COVID-19 accelerates already existing downward trend of store cards
  • COVID-19-related growth of debit, charge and credit cards compounds decline
RECOVERY AND OPPORTUNITIES
  • Store cards expected to remain on a long-term downward trend
  • Trend points towards expansion of co-branded charge and credit cards
  • Digital store cards provide growth opportunity
CATEGORY DATA
  • Table 127 Store Cards: Number of Cards in Circulation 2015-2020
  • Table 128 Store Cards Transactions 2015-2020
  • Table 129 Store Cards in Circulation: % Growth 2015-2020
  • Table 130 Store Cards Transactions: % Growth 2015-2020
  • Table 131 Store Cards: Number of Cards by Issuer 2015-2019
  • Table 132 Store Cards: Payment Transaction Value by Issuer 2015-2019
  • Table 133 Forecast Store Cards: Number of Cards in Circulation 2020-2025
  • Table 134 Forecast Store Cards Transactions 2020-2025
  • Table 135 Forecast Store Cards in Circulation: % Growth 2020-2025
  • Table 136 Forecast Store Cards Transactions: % Growth 2020-2025
Note: Product cover images may vary from those shown
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