市場調査報告書：デビットカードの世界市場

Abstract

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.

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
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
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 RewardsProgram
- TalkSport Introduces Pre-Pay Debit Card to EnterFinancial Services Market
- Metavante Integrates BenSoft’s RepayMe Solution into itsHealthcare Debit Card
- Debitman Receives Patent for New Retailer Debit CardNetwork Payment System
- Dashen Introduces First Visa Electron Debit Card inEthiopia
- ANZ Introduces ANZ Everyday Visa Debit Card
- RCBC Unveils Debit Card for Overseas Filipino Workers
- DTB Forays into Card Business by Launching Open VisaDebit Card
- Citibank Introduces Student Debit Scholarship CardAcross Poland
- NBB Rolls Out New MasterCard Debit Card AcrossBahrain
- QCSI Incorporates MyHealthBank Software into BenefitsDebit Card
- Visa Collaborates with Insurance Companies to OfferDebit Card
- PNB and MasterCard Introduce PNB MasterCardDebit Card
- Banamex Introduces New Toluca Co-Branded Debit Card
- Amscot Introduces MasterCard Prepaid Debit Card
- HDFC Bank Introduces International Gold Debit Card forIndian Customers
- InstaDial Introduces New US Dollar MultiCard DebitVisa® 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 MutualFund Investors
- Affinity Card Systems Launches Ethos Prepaid Debit Card
- MasterCard & BankWest to Introduce a New Debit Card
- IOB Teams Up with VISA to Launch InstacashDebit Card
- Marcatel Unveils Debit Card for Hispanic Community in the US
- Barclays Bank Introduces New Visa ElectronicDebit Card for Kenyan Customers
- BRD-Groupe Introduces BRD-ISIC Debit Card forStudent Community
- KeyBank Unveils MasterCard PayPass Debit Card
- Kotak Mahindra Bank Rolls Out Prepaid FixedDenomination Card
- HBL Offers Visa-Enabled Value Debit Card
- Debit Cash Card Introduces New Debit Card Program
- MasterCard Europe Introduces Cash2Go MaestroDebit Card in the UK
- Yes Bank Launches International Gold & SilverDebit Cards in India
- Allow Card of America Rolls Out New Debit Card forYoung Customers
- USA Paycard Launches Prepaid Debit Card forUn-Banked Employees
- AmigoMoney Introduces Visa Debit Card for HispanicCommunity
- Wachovia Introduces Dinero Directo RemittanceDebit Card
- Delta Hotels Rolls Out Gift Card Program for Clients
- Bradesco Launches CDC Bradesco Visa ElectronDebit 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 WitnessRapid 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 CardSchemes
- 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 LowersInterchange Rates
- Associations Lower Interchange Fee forSmall 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 ofOffline 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 BoostsDebit 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 ExceedsCredit Cards
- Use of Cash and Checks Drops…
- Checks Dominate Bill Payments Arena
- Debit Cards - Replacing Cash Payments
- Debit Card Spending Exceeds Credit CardSpending
- 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 toPromote Card Usage
- Debit Cards Erode Credit Cards Revenues
- Rising Debt from Credit Cards Drives Use ofDebit Cards
- Leading Debit Card Players Enter Credit CardsArena
- Challenges Facing US Debit Cards Market
- Interchange Fee - A Major Challenge forCard Associations
- Lack of Consensus on Revenues HampersRevenue Generation
- Multiplicity of Cards - A Major Obstacle forConsumers
- Demographic Challenges Hurdle RapidAdoption
- ‘Bucket Spending’ Limits Card Usage toSmall-Value Transactions
- Major Issues Affecting US Debit Cards Market
- Impact of Consolidation in Banking Sector onDebit 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 GrowingDebit Card Usage
- Government Agencies Slow to Adopt Debit Cardsfor Disbursements
- California DMV Adopts ATM/Debit Cards forAccelerating Service Provision
- Card Issuers Capitalize on ‘Back-to-School’Spending Period
- Card Issuers Re-Evaluate Limit on Daily PINDebit 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 forCard 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 LossReimbursement…
- Security Codes - Internal Security Mechanism
- Future of Smart Cards in the US
- Contactless Technology Offer Enormous GrowthPotential
- Banks Allow Controversial Overdraw Facility forDebit Card Transactions
- Overdraft Fees - Burning Hole in the Customers’Pocket
- Overdraft Transactions Under the Scanner…
- Debit Cards for Healthcare Benefits PlanAdministration
- Growing Demand for Debit Cards in HealthcareBenefits Administration Programs
- Prepaid FSA Debit Cards to Grow Further
- IRS Issues New Regulations for Debit Cards…
- Smart Medical Debit Cards Facilitate Faster ClaimSettlements
- 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 SmallBusinesses
- Visa Products for Small Business Owners…
- Rising Use of Debit Cards for Micro-Payments
- Growing Use of Debit Cards for Low-ValueTransactions…
- Debit Cards Facilitate Faster and Secure ChildSupport Payments
- Prepaid Debit Cards - Ideal for BenefitsPayments
- Popularity of Payroll Debit Cards Rises AmongBanked and Un-banked Employees
- New Regulations Place Unauthorized Usage Liabilityon Card Issuers & Employers
- Growing Use of Cards for Payment ofRecurring Bills
- Card Companies Focus on Minority Communities
- Hispanic Consumers - Growth Opportunity forCard Companies
- Debit Cards Used for Payment of UnemploymentBenefits
- Prepaid Debit Cards Market in the US
- Proposed Government Initiatives Offer GrowthOpportunities…
- Globalization - Key to Growth of PrepaidDebit 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 ElectronicPayments Segment
- A Chronology of Select Technological Developmentsin Canada’s Financial Industry
- Major Developments & Trends
- Debit Card Use Spirals During Holiday Season…
- Card Companies Undertake Trials forEMV Compliance…
- Canada Promotes Use of Chip-Enabled Cards…
- Growing Use of Debit Cards for $25-$100 ValueTransactions…
- Consumers Prefer PIN Debit Transactions…
- Canada Introduces New Voluntary Code forDebit Card Transactions
- Rising Debit Card Fraud at Canadian Retail GasStations…
- 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 HistoricalPerspective
- Debit Cards System in Japan
- Card Associations in Japan
- Online Processing Dominates Debit Card ProcessingScenario…
- 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-BankedPopulation
- Focus on Prepaid Cards
- Single Euro Payments Area (SEPA) Takes Shape inEurope
- Rationale Behind SEPA…
- European Banking Sector Proposes Pan-EuropeanDebit Card Scheme
- What is SEPA?
- EAPS Initiates Process of SEPA Compliance forEuropean Debit Cards
- Major Highlights of SEPA
- Current & Post-SEPA Scenario in EU Nations…
- Banks Fear MasterCard’s Dominance
- MasterCard Defers Introduction of New InterchangeRates 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 onEuropean 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 PaymentCards 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-ValueTransactions
- 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 RestructureCard 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 InadequateBanking 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 inNorth 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 PaymentsMarket
- Advanced Infrastructure Facilities to Drive CardsMarket
- 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 inVisa Debit and Prepaid Programs
- Pakistan & Bangladesh Driving Growth forVisa 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 PaymentCards Industry
- EMV Compliance & Technological AdvancementsHold Key to Growth
- Debit Cards in Australia
- Interchange Fee in Australia
- RBA Implements New Standards forDebit 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 ContinuousGrowth
- 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 DebitCard 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 forMigrant Workers
- SARS Crisis Aids Growth in Card Utilization
- Additional Services Ensure Continuous Growth forDebit 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 forCard Issuers
- Issues & Trends
- Intensifying Competitive Environment…
- Prepaid & Premium Cards - Potential for HigherDebit Card Utilization
- Increased Adoption of Electronic Systems BoostsDemand for Debit Cards
- Low Utilization Rates at POS Terminals…
- Overcoming Infrastructure Challenges…
- Focus Shifts to Smaller Towns & Cities
- Visa Initiates ADP Program for DevelopingInfrastructure in Smaller Cities
- SBI Promotes Debit Card Usage inSmall Cities
- Indian Postal Department Proposes Debit Cardsfor MIS Accountholders
- MasterCard & Visa Offer Differentiated Products…
- Card Use for Routine Payments Grows…
- Banks Promote Card Usage for Modernization ofBanking Operations
- ICICI Bank Promotes Debit Cards to Save Planet
- Visa Provides Zero Liability Protection Programfor 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 RemittanceApplications
- 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 inLatin America
- Clearing House
- Card Networks
- An Overview of the Plastic Cards Market
- Low Penetration of Banking Services - A MajorObstacle
- Impact of Inter-Country Differences
- Debit Cards Market in Latin America
- The Beginning…
- Banks & Governments Promote DebitCard Usage
- Low Consumer Savings Imply Lesser POSTransactions
- Debit Card Issuers Face the Heat fromCredit Cards
- Visa’s Card Transactions Grow Rapidly inLatin 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 FacilitatesGrowth…
- 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 OffersGrowth Prospects
- Banks Collaborate with Government Agencies toPromote 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 EPCClearance 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 ScenarioBoosts Consumer Confidence…
- Debit Cards - Driving Force for FinancialCards Market
- Large Un-banked Population - Potential forDebit Cards Market Growth
- Fighting Card Fraud with EMV Compliance…
- Kenya
- Inadequate Telecom Infrastructure - A MajorObstacle for Debit Card Usage
- Visa - The Sole Provider of Debit Cards
- Rise in Debit Card-Based Online PaymentsAcross the Middle East…
- Growing Demand for Debit CardsAcross 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)

デビットカードの世界市場

Debit Cards

Abstract

Table of Contents

I. INTRODUCTION, METHODOLOGY & PRODUCT DEFINITIONS

II. EXECUTIVE SUMMARY

1. Industry Overview

2. Market Dynamics

3. Major Issues Influencing Debit Cards Market

4. Product Overview

5. Types of Debit Cards

6. Credit Card Vs Debit Card

7. Debit Card Fraud

8. Recent Industry Activity

9. Product Introductions/Innovations

10. Focus on Select Players

11. Global Market Perspective

III. MARKET

1. The United States

2. Canada

3. Japan

4. Europe

4a. France

4b. Germany

4c. Italy

4d. United Kingdom

4e. Spain

4f. Russia

4g. Rest of Europe

5. Asia-Pacific

5a. Australia

5b. China

5c. India

5d. Singapore

5e. Rest of Asia-Pacific

6. Latin America

6a. Argentina

6b. Brazil

6c. Mexico

6d. Rest of Latin America

7. Rest of World