Brazil's Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

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Brazil's Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

http://www.reportbuyer.com/banking_finance/debit_credit_cards/brazils_cards_payments_industry_emerging_opportunities_trends_size_drivers_strategies_products_competitive_landscape.html

Synopsis
The report provides top-level market analysis, information and insights on Brazil's cards and payments industry, including:
• Current and forecast values for each category of the Brazilian cards and payments industry: debit cards, credit cards, prepaid cards and charge cards.
• Comprehensive analysis of the industry's market attractiveness and future growth areas.
• Analysis of various market drivers and regulations governing Brazil's cards and payments industry.
• Detailed analysis of the marketing strategies adopted for selling debit, credit, charge and prepaid cards used by various bankers and other institutions in the market.
• Comprehensive analysis of consumer attitude and their buying preferences for cards.
• The competitive landscape of Brazil's cards and payments industry.

Summary
The Brazilian cards and payments industry grew during the review period (2008–2012) at a CAGR of 8.97%, to reach 540.7 million cards in circulation, and a transactions value of BRL1.8 trillion (US$917.1 billion) by the end of 2012. Changing lifestyle demographics, the increased popularity of online shopping and higher disposable income per capita supported growth in the number of cards in circulation.
Consumer preferences are expected to change the card payments channel's dynamics over the forecast period. The Brazilian middle classes have an average age of 34 years and distinct preferences compared to traditional middle-class populations. Brazilian customers are also becoming increasingly averse to credit-fueled spending. These factors prompted the diversification of the market and contributed to the emergence and growth of the prepaid and charge card categories.

Scope
• This report provides a comprehensive analysis of Brazil's cards and payments industry.
• It provides the value of Brazil's cards and payments industry for 2012, and a forecast figure for 2017.
• It details the different economic, infrastructural, consumer and business drivers affecting Brazil's cards and payments industry.
• It outlines the current regulatory framework in the industry.
• It details the marketing strategies used by various bankers and other institutions.
• It profiles the major banks in Brazil's cards and payments industry.

Reasons To Buy
• Make strategic business decisions using top-level historic and forecast market data related to Brazil's cards and payments industry and each market within it.
• Understand the key market trends and growth opportunities within Brazil's cards and payments industry.
• Assess the competitive dynamics in Brazil's cards and payments industry.
• Gain insights in to the marketing strategies used for selling various types of cards in Brazil's market.
• Gain insights into key regulations governing Brazil's cards and payment industry.

Key Highlights
• The debit and credit card categories are mature and are expected to record nominal growth over the forecast period; the debit cards category is expected to post a CAGR of 2.64% and the credit cards category is expected to record a CAGR of 5.34% in volume terms.
• A key factor that encouraged the growth of the prepaid cards category is the government legislation that levied a 6.4% charge on all foreign transactions made through credit cards issued in Brazil. As prepaid cards are preloaded with Brazilian real, transactions made through them are treated as domestic payments and have a lower tax rate of 0.38%.
• The growth of the card payments channel will be driven by the growth of online commerce, tourism, new product offerings, retail sales volume and private-label cards. High internet penetration is expected to promote online commerce, which, in turn, is expected to drive growth in the card payments channel.
• EMV cards, NFC and contactless payments are expected to drive growth on the card payments channel. The launch of EMV cards in Brazil by Banco Santander in 2011 brought about a secure and internationally accepted credit and debit cards transaction system.
Table of Contents

1 Executive Summary
2 Analysis of Industry Environment, Key Trends and Drivers
2.1 Payment Infrastructure and emerging technologies
2.1.1 ATMs
2.1.2 POS terminals
2.1.3 Internet penetration
2.1.4 Contactless technologies
2.1.5 Fingerprint-enabled biometric ATMs
2.1.6 Anti-skimming technology
2.2 Business Drivers
2.2.1 CBB efforts to discourage use of checks
2.2.2 Growth of online commerce
2.2.3 Growth of private-label cards
2.2.4 Retail sales value
2.3 Economic Drivers
2.3.1 GDP per capita income
2.3.2 GDP growth
2.3.3 Easing inflationary pressure
2.3.4 Low unemployment
3 Cards and Payments Industry Share Analysis
3.1 Industry Overview
3.1.1 Cash
3.1.2 Checks
3.1.3 Direct debits
3.1.4 Credit transfers
3.1.5 Cards
4 Regulatory Framework and Card Fraud Statistics
4.1 Regulatory Framework
4.1.1 Foreign direct investment (FDI) regulation
4.2 Card Fraud Statistics
4.2.1 Card-not-present
4.2.2 Counterfeit cards
4.2.3 Cards lost or stolen
4.2.4 Card ID theft
5 Emerging Consumer Attitudes and Trends
5.1 Market Segmentation and Targeting
5.1.1 Retail segment
5.1.2 Corporate segment
5.2 Travel and Tourism Spending
5.2.1 Outbound tourists volume
5.2.2 Outbound tourist spending
5.3 Retail Card Spending
5.3.1 Analysis by product categories
5.3.2 Analysis by retail channels
6 Analysis of Card Payments and Growth Prospects
6.1 Channel Share Analysis by Card Category
6.2 Size and Forecast of the Card Payments Channel
6.2.1 Analysis by Volume of cards in circulation
6.2.2 Analysis by transaction value
7 Analysis of Credit Card Payments and Growth Prospects
7.1 Overall Category Size and Forecast
7.1.1 Analysis by volume of cards in circulation
7.1.2 Analysis by transaction value
7.1.3 Analysis by transaction volume
7.2 Transaction Share Analysis by Channel
7.2.1 Analysis by transaction value
7.2.2 Analysis by transaction volume
7.3 Personal Credit Cards Size and Forecast
7.3.1 Analysis by volume of cards in circulation
7.3.2 Analysis by transaction value
7.3.3 Analysis by transaction volume
7.4 Commercial Credit Cards Size and Forecast
7.4.1 Analysis by number of cards in circulation
7.4.2 Analysis by transaction value
7.4.3 Analysis by transaction volume
7.5 Competitive Landscape
7.5.1 Scheme share analysis
7.5.2 Issuer share analysis
8 Analysis of Debit Card Payments and Growth Prospects
8.1 Overall Category Size and Forecast
8.1.1 Analysis by volume of cards in circulation
8.1.2 Analysis by transaction value
8.1.3 Analysis by transaction volume
8.2 Transaction Share Analysis by Channel
8.2.1 Analysis by transaction value
8.2.2 Analysis by transaction volume
8.3 Competitive Landscape
8.3.1 Scheme share analysis
8.3.2 Issuer share analysis
9 Analysis of Charge Card Payments and Growth Prospects
9.1 Overall Category Size and Forecast
9.1.1 Analysis by volume of cards in circulation
9.1.2 Analysis by transaction value
9.1.3 Analysis by transaction volume
9.2 Transaction Share Analysis by Channel
9.2.1 Analysis by transaction value
9.2.2 Analysis by transaction volume
9.3 Personal Charge Cards Size and Forecast
9.3.1 Analysis by number of cards in circulation
9.3.2 Analysis by transaction value
9.3.3 Analysis by transaction volume
9.4 Commercial Charge Cards Size and Forecast
9.4.1 Analysis by volume of cards in circulation
9.4.2 Analysis by transaction value
9.4.3 Analysis by transaction volume
9.5 Competitive Landscape
9.5.1 Scheme share analysis
9.5.2 Issuer share analysis
10 Analysis of Prepaid Card Payments and Growth Prospects
10.1 Overall Category Size and Forecast
10.1.1 Analysis by volume of cards in circulation
10.1.2 Analysis by transaction value
10.2 Open-Loop Prepaid Cards Segment Size and Forecast
10.2.1 Analysis by number of cards in circulation
10.2.2 Analysis by transaction value
10.3 Closed-Loop Prepaid Cards Segment Size and Forecast
10.3.1 Analysis by volume of cards in circulation
10.3.2 Analysis by transaction value
11 Merchant Acquiring
11.1 Merchant Acquirers in the Country
12 Company Profiles of Card Issuers
12.1 Banco Bradesco SA
12.1.1 Key financials
12.1.2 Card portfolio
12.1.3 Strategies
12.2 Banco Santander (Brasil) SA
12.2.1 Key financials
12.2.2 Card portfolio
12.2.3 Strategies
12.3 Baco do Brasil SA
12.3.1 Key financials
12.3.2 Card portfolio
12.3.3 Strategies
12.4 HSBC Bank Brasil SA
12.4.1 Card portfolio
12.4.2 Strategies
12.5 Banco Votorantim SA
12.5.1 Key financials
12.5.2 Card portfolio
12.5.3 Strategies
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric's Services
13.5 Definitions
13.6 Disclaimer



List of Tables

Table 1: Brazil Payment Channels (BRL Billion), 2008–2012
Table 2: Brazilian Card Fraud (BRL Million), 2008–2012
Table 3: Brazilian Consumer Card Spending by Product Category (BRL Million), 2008–2012
Table 4: Brazil Consumer Spending through Cards by Retail Channel (BRL Million), 2008–2017
Table 5: Brazilian Card Payments Channel by Card Category (Million), 2008–2017
Table 6: Brazilian Card Payments Channel Size by Volume of Cards (Million), 2008–2017
Table 7: Brazilian Card Payments Channel Size by Transaction Value (BRL Billion), 2008–2017
Table 8: Brazilian Card Payments Channel Size by Transaction Value (US$ Billion), 2008–2017
Table 9: Brazilian Credit Cards Category Size by Volume of Cards (Million), 2008–2017
Table 10: Brazilian Credit Cards Category Size by Transaction Value (BRL Billion), 2008–2017
Table 11: Brazilian Credit Cards Category Size by Transaction Value (US$ Billion), 2008–2017
Table 12: Brazilian Credit Card Category Size by Transactions Volume (Billion), 2008–2017
Table 13: Brazilian Personal Credit Cards Sub-Category Size by Volume of Cards (Million), 2008–2017
Table 14: Brazilian Personal Credit Cards Sub-Category Size by Transaction Value (BRL Billion), 2008–2017
Table 15: Brazilian Personal Credit Cards Sub-Category Size by Transaction Value (US$ Billion), 2008–2017
Table 16: Brazilian Personal Credit Cards Sub-Category Size by Transactions Volume (Billion), 2008–2017
Table 17: Brazilian Commercial Credit Cards Sub-Category Size by Volume of Cards (Million), 2008–2017
Table 18: Brazilian Commercial Credit Cards Sub-Category Size by Transaction Value (BRL Billion), 2008–2017
Table 19: Brazilian Commercial Credit Cards Sub-Category Size by Transaction Value (US$ Billion), 2008–2017
Table 20: Brazilian Commercial Credit Cards Sub-Category Size by Transactions Volume (Million), 2008–2017
Table 21: Brazilian Debit Cards Category Size by Volume of Cards (Million), 2008–2017
Table 22: Brazilian Debit Cards Category Size by Transaction Value (BRL Billion), 2008–2017
Table 23: Brazilian Debit Cards Category Size by Transaction Value (US$ Billion), 2008–2017
Table 24: Brazilian Debit Cards Category Size by Transactions Volume (Billion), 2008–2017
Table 25: Brazilian Charge Cards Category Size by Volume of Cards (Thousand), 2008–2017
Table 26: Brazilian Charge Cards Category Size by Transaction Value (BRL Million), 2008–2017
Table 27: Brazilian Charge Cards Category Size by Transaction Value (US$ Million), 2008–2017
Table 28: Brazilian Charge Cards Category Size by Transactions Volume (Million), 2008–2017
Table 29: Brazilian Personal Charge Cards Sub-Category Size by Volume of Cards (Thousands), 2008–2017
Table 30: Brazilian Personal Charge Cards Sub-Category Size by Transaction Value (BRL Million), 2008–2017
Table 31: Brazilian Personal Charge Cards Sub-Category Size by Transaction Value (US$ Million), 2008–2017
Table 32: Brazilian Personal Charge Cards Sub-Category Size by Transactions Volume (Million), 2008–2017
Table 33: Brazilian Commercial Charge Cards Sub-Category Size by Volume of Cards (Thousand), 2008–2017
Table 34: Brazilian Commercial Charge Cards Sub-Category Size by Transaction Value (BRL Million), 2008–2017
Table 35: Brazilian Commercial Charge Cards Sub-Category Size by Transaction Value (US$ Million), 2008–2017
Table 36: Brazilian Commercial Charge Cards Sub-Category Size by Transactions Volume (Thousand), 2008–2017
Table 37: Brazilian Prepaid Cards Category Size by Volume of Cards (Million), 2008–2017
Table 38: Brazilian Prepaid Cards Category Size by Transaction Value (BRL Billion), 2008–2017
Table 39: Brazilian Prepaid Cards Category Size by Transaction Value (US$ Billion), 2008–2017
Table 40: Brazilian Open-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 2008–2017
Table 41: Brazilian Open-Loop Prepaid Cards Segment Size by Transaction Value (BRL Billion), 2008–2017
Table 42: Brazilian Open-Loop Prepaid Cards Segment Size by Transaction Value (US$ Billion), 2008–2017
Table 43: Brazilian Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2008–2017
Table 44: Brazilian Closed-Loop Prepaid Cards Segment Size by Transaction Value (BRL Billion), 2008–2017
Table 45: Brazilian Closed-Loop Prepaid Cards Segment Size by Transaction Value (US$ Billion), 2008–2017
Table 46: Banco Bradesco – Key Financial Indicators (BRL Billion), December 2011 and 2012
Table 47: Banco Bradesco – Card Product Offerings and Key Features
Table 48: Banco Santander (Brasil) SA – Key Financial Indicators (BRL Billion), December 2011 and 2012
Table 49: Banco Santander (Brasil) SA – Card Product Offerings and Key Features
Table 50: Banco do Brasil SA – Key Financial Indicators (BRL Billion), December 2011 and 2012
Table 51: Banco Santander (Brasil) SA – Card Product Offerings and Key Features
Table 52: HSBC Bank Brasil SA – Card Product Offerings and Key Features
Table 53: Banco Votorantim SA – Key Financial Indicators (BRL Million), December 2011 and 2012
Table 54: Banco Votorantim SA – Card Product Offerings and Key Features
Table 55: Key Definitions



List of Figures

Figure 1: Benchmarking Brazil Payment Cards Channel Against Other Large Markets in the Region
Figure 2: ATMs Penetration Per 100,000 Inhabitants in Brazil, 2008–2017
Figure 3: POS Terminals Penetration Per 100,000 Inhabitants in Brazil, 2008–2017
Figure 4: Internet Penetration in Brazil (%), 2008–2012
Figure 5: Retail Sales Value in Brazil (BRL Billion), 2008–2017
Figure 6: GDP Per Capita Income Growth in Brazil (US$), 2008–2017
Figure 7: Brazilian GDP Growth Rate, 2008–2017
Figure 8: Brazilian Inflation Rate (%), 2008–2017
Figure 9: Brazilian Unemployment Rate (%), 2008–2017
Figure 10: Share of Brazilian Payment Channels (%), 2008 and 2012
Figure 11: Shares Various Types of Card Fraud in Brazil (%), 2008 and 2012
Figure 12: Brazilian Card-Not-Present Fraud Value (BRL Million), 2008–2012
Figure 13: Brazil Counterfeit Card Fraud Value (BRL Million), 2008–2012
Figure 14: Value of Card Fraud by Cards Lost or Stolen in Brazil (BRL Million), 2008–2012
Figure 15: Card ID Theft Fraud Value in Brazil (BRL Million), 2008–2012
Figure 16: Brazil Cards and payments industry Segmentation by Card Type
Figure 17: Brazil Population Segmentation (%), 2012
Figure 18: Brazil Volume of Outbound Departures (Million), 2008–2012
Figure 19: Brazil Outbound Tourists Spending (BRL Billion), 2008–2017
Figure 20: Retail Consumer Card Spending by Product Category in Brazil (%), 2012
Figure 21: Brazil Retail Consumer Card Spending by Retail Channel (%), 2012
Figure 22: Brazilian Card Payments Channel by Card Category (%), 2008–2017
Figure 23: Brazilian Card Payments Channel Size by Volume of Cards (Million), 2008–2017
Figure 24: Brazilian Card Payments Channel Size by Transaction Value (BRL Billion), 2008–2017
Figure 25: Brazilian Credit Cards Volume and Penetration, 2008–2017
Figure 26: Brazilian Credit Cards Category Size by Volume of Cards (Million), 2008–2017
Figure 27: Brazilian Credit Cards Category Size by Transaction Value (BRL Billion), 2008–2017
Figure 28: Brazilian Card Category Size by Transactions Volume (Billion), 2008–2017
Figure 29: Brazilian Credit Card Transactions Value by Channel (BRL Billion), 2008–2017
Figure 30: Brazilian Credit Card Transactions Volume by Channel (Million), 2008–2017
Figure 31: Brazilian Personal Credit Cards Sub-Category Size by Volume of Cards (Million), 2008–2017
Figure 32: Brazilian Personal Credit Cards Sub-Category Size by Transaction Value (BRL Billion), 2008–2017
Figure 33: Brazilian Personal Credit Cards Sub-Category Size by Transactions Volume (Billion), 2008–2017
Figure 34: Brazilian Commercial Credit Cards Sub-Category Size by Volume of Cards (Million), 2008–2017
Figure 35: Brazilian Commercial Credit Cards Sub-Category Size by Transaction Value (BRL Billion), 2008–2017
Figure 36: Brazilian Commercial Credit Cards Sub-Category Size by Transactions Volume (Million), 2008–2017
Figure 37: Brazilian Credit Cards Category Share by Scheme (%), 2012
Figure 38: Brazilian Credit Cards Category Share by Bank (%), 2012
Figure 39: Brazilian Debit Cards Category Penetration Per Inhabitant, 2008–2017
Figure 40: Brazilian Debit Card Category Size by Volume of Cards (Million), 2008–2017
Figure 41: Brazilian Debit Cards Category Size by Transaction Value (BRL Billion), 2008–2017
Figure 42: Brazilian Debit Cards Category Size by Transactions Volume (Billion), 2008–2017
Figure 43: Brazilian Debit Cards Category Transactions Value Share Analysis by Channel (BRL Billion), 2008–2017
Figure 44: Brazilian Debit Card Transactions Volume Share Analysis by Channel (Billion), 2008–2017
Figure 45: Brazilian Debit Cards Category Share by Scheme (%), 2012
Figure 46: Brazilian Debit Cards Category Share by Bank (%), 2012
Figure 47: Brazilian Charge Cards Category Volume and Penetration, 2008–2017
Figure 48: Brazilian Charge Card Category Size by Volume of Cards (Thousands), 2008–2017
Figure 49: Brazilian Charge Cards Category Size by Transaction Value (BRL Million), 2008–2017
Figure 50: Brazilian Charge Cards Category Size by Transactions Volume (Million), 2008–2017
Figure 51: Brazilian Charge Card Transactions Value Share Analysis by Channel (BRL Million), 2008–2017
Figure 52: Brazilian Charge Card Transactions Volume Share Analysis by Channel (Million), 2008–2017
Figure 53: Brazilian Personal Charge Cards Sub-Category Size by Volume of Cards (Thousands), 2008–2017
Figure 54: Brazilian Personal Charge Cards Sub-Category Size by Transaction Value (BRL Million), 2008–2017
Figure 55: Brazilian Personal Charge Cards Sub-Category Size by Transactions Volume (Million), 2008–2017
Figure 56: Brazilian Commercial Charge Cards Sub-Category Size by Volume of Cards (Million), 2008–2017
Figure 57: Brazilian Commercial Charge Cards Sub-Category Size by Transaction Value (BRL Million), 2008–2017
Figure 58: Brazilian Commercial Charge Cards Sub-Category Size by Transaction Volume (Million), 2008–2017
Figure 59: Brazilian Charge Cards Category Share by Scheme (%), 2012
Figure 60: Brazilian Charge Cards Category Share by Issuer (%), 2012
Figure 61: Brazilian Prepaid Cards Category Volume and Penetration, 2008–2017
Figure 62: Brazilian Prepaid Cards Category Size by Volume of Cards (Million), 2008–2017
Figure 63: Brazilian Prepaid Cards Category Size by Transaction Value (BRL Billion), 2008–2017
Figure 64: Brazilian Open-Loop Prepaid Cards Segment Size by Volume of Cards (Thousands), 2008–2017
Figure 65: Brazilian Open-Loop Prepaid Cards Segment Size by Transaction Value (BRL Billion), 2008–2017
Figure 66: Brazilian Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2008–2017
Figure 67: Brazilian Closed-Loop Prepaid Cards Segment Size by Transaction Value (BRL Billion), 2008–2017
Figure 68: Market Shares of Key Acquirers in Brazil (%), 2012



Companies Mentioned

Banco Bradesco SA
Banco Santander (Brasil) SA
Banco do Brasil SA
HSBC Bank Brasil SA
Banco Votorantim SA
Cielo
Redecard
MasterCard
Visa
American Express
Diners Club




Read the full report:
Brazil's Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

http://www.reportbuyer.com/banking_finance/debit_credit_cards/brazils_cards_payments_industry_emerging_opportunities_trends_size_drivers_strategies_products_competitive_landscape.html

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