インドの金融カードと決済市場

金融包摂を達成するためのインド政府の国家ミッションは、2024年、より多くの国民を正式な銀行機構に引き入れ、より高い意識とその後の金融カードの導入につながっています。Pradhan Mantri Jan Dhan Yojana（PMJDY）と呼ばれる国家金融包摂ミッションは、銀行口座を持たない人口の更なる一部を銀行顧客へと導き、そのような顧客が銀行口座を開設する際にデビットカードを発行することが重要な意味を持つようになっています。

Euromonitor Internationalの調査レポート「インドの金融カードと決済市場」は、スマート決済カード、クレジットカード、デビットカード、チャージカード、プリペイドカード、ストアカードの市場規模と構造を明らかにしています。市場の主要参入企業（発行会社とオペレーター）、流通カード枚数、取引件数、取引額に注目しています。セクターの予測や注目すべき動向について戦略的な分析を行っています。

対象製品：流通する金融カード、モバイル決済、トランザクション

データ範囲：市場規模（実績および予測）、企業シェア、ブランドシェア、流通データ

本レポートを購入する理由

• 金融カードおよび決済市場の詳細な把握
• 成長分野を特定し、変化を促進する要因を特定
• 競合環境、市場の主要参入企業、主要ブランドを理解
• 5年間の予測を用いて、市場がどのように発展すると予測されるかを評価

Euromonitor Internationalは、市場調査レポート、ビジネス参考書、オンライン情報システムの出版において50年以上の経験を有しています。ロンドン、シカゴ、シンガポール、上海、ヴィリニュス、ドバイ、ケープタウン、サンティアゴ、シドニー、東京、ベンガルール、サンパウロ、ソウル、香港、デュッセルドルフ、メキシコシティにオフィスを構え、100カ国にアナリストネットワークを持つ同社は、独自の能力と多様な市場を理解し、情報に基づいた戦略立案を支援する信頼性の高い情報資源を開発しています。

目次

目次と表の一覧

エグゼクティブサマリー

• 2024年の金融カードと決済：全体像
• 2024年の主要動向
• 提携カードは、よりカスタマイズされた特典を提供することに重点を置いている
• 競合情勢
• 金融カードと決済の今後はどうなるのか

市場指標

市場データ

免責事項

情報源

インドのデビットカード

主なデータ結果

2024年の発展

• 高い普及率とデジタル決済との競合激化が成長を制限
• 購買パターンの変化はデビットカードの使用例に影響を与える
• State Bank of India（SBI）は広範な事業展開でリードしており、RuPayはオペレーター分野でリード

展望と機会

• 限定的な報酬構造と価値提案が予測期間における価値成長に影響を与える見込み
• 発行者は取引の減速を抑制するために商業部門にますます重点を置いている
• 銀行口座を持たない人口がカード発行量を押し上げ、消費者のデジタル決済への信頼を高め、オンラインショッピングへの移行が影響を与える

カテゴリーデータ

インドのクレジットカード

主なデータ結果

2024年の発展

• 持続的な経済成長とクレジットカード普及率の低下が大幅な成長につながる
• 所得格差と魅力的な人口層がクレジットカードの普及を促進
• クレジットカードの利用はオンライン決済が主流となり、市場は大手4行により統合

展望と機会

• RBIのカードポータビリティ規制により、クレジットカード事業者間の競合が激化する見込み
• RBIと金融機関は、規制強化を通じて長期的な信用配分の改善に注力
• チャネルの好みが変化し、信用履歴の低い人への発行は依然として課題

カテゴリーデータ

インドのチャージカード

主なデータ結果

2024年の発展

• 資格基準の強化により、チャージカードの需要は引き続き制限されている
• 加盟店の受け入れは比較的低く、他の金融カードと比較して平均支出額は依然として高い
• American Expressはインドで唯一のチャージカード発行会社

展望と機会

• 資格要件の拡大と消費者の認知度の低下により、成長は引き続き低調に推移する見込み
• 消費者の金融リテラシーの向上により、クレジットカードはより有効な信用手段として見られるようになっている
• 商業チャージカードは、よりカスタマイズされた特典を通じて機会を提供

カテゴリーデータ

インドのプリペイドカード

主なデータ結果

2024年の発展

• クローズドループプリペイドカードは交通カードの需要増加の恩恵を受けている
• 強化されたセキュリティと詐欺防止機能が後押しする一方、加盟店の受け入れレベルが低いことがオープンループプリペイドカードに影響を及ぼしている
• コスト効率の向上別旅行カードの需要は、オープンループプリペイドカードに利益をもたらす

展望と機会

• オープンループプリペイドカードは魅力的な機会を提供する
• ギフトカードの需要の鈍化とデジタル決済手段の普及により、プリペイドカードに課題が生じている
• クローズドループプリペイドカードの成長は、公共交通機関の需要に依存し続ける

カテゴリーデータ

The Indian Government's national mission to achieve financial inclusion continued to bring more of the population into the formal banking structure in 2024, leading to greater awareness and the subsequent adoption of financial cards. The national financial inclusion mission, called Pradhan Mantri Jan Dhan Yojana (PMJDY), led to a further portion of the unbanked population becoming bank customers and the issuance of debit cards upon the opening of bank accounts by such customers became a crucial...

Euromonitor International's Financial Cards and Payments in India 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, Mobile Payments, 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.

Euromonitor International has over 50 years' experience of publishing market research reports, business reference books and online information systems. With offices in London, Chicago, Singapore, Shanghai, Vilnius, Dubai, Cape Town, Santiago, Sydney, Tokyo, Bengaluru, Sao Paulo, Seoul, Hong Kong, Dusseldorf and Mexico City and a network of analysts in 100 countries, Euromonitor International has a unique capability and an understanding of diverse markets to develop reliable information resources to help drive informed strategic planning. To learn more about how our research solutions can support you, contact your local Euromonitor International office.

TABLE OF CONTENTS

List Of Contents And Tables

EXECUTIVE SUMMARY

• Financial cards and payments in 2024: The big picture
• 2024 key trends
• Co-branded cards remain a focus to provide more tailored benefits
• Competitive landscape
• What next for financial cards and payments?

MARKET INDICATORS

• Table 1 Number of POS Terminals: Units 2019-2024
• Table 2 Number of ATMs: Units 2019-2024
• Table 3 Value Lost to Fraud 2019-2024
• Table 4 Card Expenditure by Location 2024
• Table 5 Financial Cards in Circulation by Type: % Number of Cards 2019-2024
• Table 6 Domestic versus Foreign Spend 2024

MARKET DATA

• Table 7 Financial Cards by Category: Number of Cards in Circulation 2019-2024
• Table 8 Financial Cards by Category: Number of Accounts 2019-2024
• Table 9 Financial Cards Transactions by Category: Value 2019-2024
• Table 10 Financial Cards by Category: Number of Transactions 2019-2024
• Table 11 Consumer Payments by Category: Value 2019-2024
• Table 12 Consumer Payments by Category: Number of Transactions 2019-2024
• Table 13 M-Commerce by Category: Value 2019-2024
• Table 14 M-Commerce by Category: % Value Growth 2019-2024
• Table 15 Financial Cards: Number of Cards by Issuer 2019-2023
• Table 16 Financial Cards: Number of Cards by Operator 2019-2023
• Table 17 Financial Cards: Card Payment Transactions Value by Operator 2019-2023
• Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2019-2023
• Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2024-2029
• Table 20 Forecast Financial Cards by Category: Number of Accounts 2024-2029
• Table 21 Forecast Financial Cards Transactions by Category: Value 2024-2029
• Table 22 Forecast Financial Cards by Category: Number of Transactions 2024-2029
• Table 23 Forecast Consumer Payments by Category: Value 2024-2029
• Table 24 Forecast Consumer Payments by Category: Number of Transactions 2024-2029
• Table 25 Forecast M-Commerce by Category: Value 2024-2029
• Table 26 Forecast M-Commerce by Category: % Value Growth 2024-2029

DISCLAIMER

SOURCES

• Summary 1 Research Sources

DEBIT CARDS IN INDIA

KEY DATA FINDINGS

2024 DEVELOPMENTS

• High penetration levels and growing competition from digital payments restrict growth
• Evolving purchasing patterns impact instances of debit card usage
• State Bank of India (SBI) leads through its extensive, with RuPay leading in operator space

PROSPECTS AND OPPORTUNITIES

• Limited reward structure and value proposition set to impact value growth in forecast period
• Issuers increasingly focusing on commercial segment to limit slowdown in transactions
• Unbanked population to drive card issuance volume, whilst increasing consumer confidence in digital payments and shift towards online shopping to have an impact

CATEGORY DATA

• Table 27 Debit Cards: Number of Cards in Circulation 2019-2024
• Table 28 Debit Cards Transactions 2019-2024
• Table 29 Debit Cards in Circulation: % Growth 2019-2024
• Table 30 Debit Cards Transactions: % Growth 2019-2024
• Table 31 Debit Cards: Number of Cards by Issuer 2019-2023
• Table 32 Debit Cards: Number of Cards by Operator 2019-2023
• Table 33 Debit Cards Payment Transaction Value by Issuer 2019-2023
• Table 34 Debit Cards Payment Transaction Value by Operator 2019-2023
• Table 35 Forecast Debit Cards: Number of Cards in Circulation 2024-2029
• Table 36 Forecast Debit Cards Transactions 2024-2029
• Table 37 Forecast Debit Cards in Circulation: % Growth 2024-2029
• Table 38 Forecast Debit Cards Transactions: % Growth 2024-2029

CREDIT CARDS IN INDIA

KEY DATA FINDINGS

2024 DEVELOPMENTS

• Sustained economic growth and lower credit card penetration level leads to significant growth
• Income inequality and attractive demographic segment fuels credit card adoption
• Online spending dominates credit card usage with market consolidated via major four banks

PROSPECTS AND OPPORTUNITIES

• RBI's card portability regulation set to intensify competition within credit card operators
• RBI and financial institutions focus on better long-tern allocation of credit through tighter regulations
• Shift in channel preference, with issuance to those with low credit history to remain a challenge

CATEGORY DATA

• Table 39 Credit Cards: Number of Cards in Circulation 2019-2024
• Table 40 Credit Cards Transactions 2019-2024
• Table 41 Credit Cards in Circulation: % Growth 2019-2024
• Table 42 Credit Cards Transactions: % Growth 2019-2024
• Table 43 Commercial Credit Cards: Number of Cards in Circulation 2019-2024
• Table 44 Commercial Credit Cards Transactions 2019-2024
• Table 45 Commercial Credit Cards in Circulation: % Growth 2019-2024
• Table 46 Commercial Credit Cards Transactions: % Growth 2019-2024
• Table 47 Personal Credit Cards: Number of Cards in Circulation 2019-2024
• Table 48 Personal Credit Cards Transactions 2019-2024
• Table 49 Personal Credit Cards in Circulation: % Growth 2019-2024
• Table 50 Personal Credit Cards Transactions: % Growth 2019-2024
• Table 51 Credit Cards: Number of Cards by Issuer 2019-2023
• Table 52 Credit Cards: Number of Cards by Operator 2019-2023
• Table 53 Credit Cards Payment Transaction Value by Issuer 2019-2023
• Table 54 Credit Cards Payment Transaction Value by Operator 2019-2023
• Table 55 Commercial Credit Cards: Number of Cards by Issuer 2019-2023
• Table 56 Commercial Credit Cards: Number of Cards by Operator 2019-2023
• Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2019-2023
• Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2019-2023
• Table 59 Personal Credit Cards: Number of Cards by Issuer 2019-2023
• Table 60 Personal Credit Cards: Number of Cards by Operator 2019-2023
• Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2019-2023
• Table 62 Personal Credit Cards Payment Transaction Value by Operator 2019-2023
• Table 63 Forecast Credit Cards: Number of Cards in Circulation 2024-2029
• Table 64 Forecast Credit Cards Transactions 2024-2029
• Table 65 Forecast Credit Cards in Circulation: % Growth 2024-2029
• Table 66 Forecast Credit Cards Transactions: % Growth 2024-2029
• Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2024-2029
• Table 68 Forecast Commercial Credit Cards Transactions 2024-2029
• Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2024-2029
• Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2024-2029
• Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2024-2029
• Table 72 Forecast Personal Credit Cards Transactions 2024-2029
• Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2024-2029
• Table 74 Forecast Personal Credit Cards Transactions: % Growth 2024-2029

CHARGE CARDS IN INDIA

KEY DATA FINDINGS

2024 DEVELOPMENTS

• Stronger eligibility criteria continue to limit charge card demand
• Merchant acceptance is relatively low, with average spend remaining high compared to other financial cards
• American Express is the only charge cards issuer in India

PROSPECTS AND OPPORTUNITIES

• Growth to remain subdued on the back of higher eligibility and lower consumer awareness
• Credit cards seen as more viable credit instrument due to growing consumer financial literacy
• Commercial charge cards offer opportunities through more tailored benefits

CATEGORY DATA

• Table 103 Charge Cards: Number of Cards in Circulation 2019-2024
• Table 104 Charge Cards Transactions 2019-2024
• Table 105 Charge Cards in Circulation: % Growth 2019-2024
• Table 106 Charge Cards Transactions: % Growth 2019-2024
• Table 107 Personal Charge Cards: Number of Cards in Circulation 2019-2024
• Table 108 Personal Charge Cards Transactions 2019-2024
• Table 109 Personal Charge Cards in Circulation: % Growth 2019-2024
• Table 110 Personal Charge Cards Transactions: % Growth 2019-2024
• Table 111 Charge Cards: Number of Cards by Issuer 2019-2023
• Table 112 Charge Cards: Number of Cards by Operator 2019-2023
• Table 113 Charge Cards Payment Transaction Value by Issuer 2019-2023
• Table 114 Charge Cards Payment Transaction Value by Operator 2019-2023
• Table 115 Personal Charge Cards: Number of Cards by Issuer 2019-2023
• Table 116 Personal Charge Cards: Number of Cards by Operator 2019-2023
• Table 117 Personal Charge Cards Transaction Value by Issuer 2019-2023
• Table 118 Personal Charge Cards Transaction Value by Operator 2019-2023
• Table 119 Forecast Charge Cards: Number of Cards in Circulation 2024-2029
• Table 120 Forecast Charge Cards Transactions 2024-2029
• Table 121 Forecast Charge Cards in Circulation: % Growth 2024-2029
• Table 122 Forecast Charge Cards Transactions: % Growth 2024-2029
• Table 123 Forecast Personal Charge Cards: Number of Cards in Circulation 2024-2029
• Table 124 Forecast Personal Charge Cards Transactions 2024-2029
• Table 125 Forecast Personal Charge Cards in Circulation: % Growth 2024-2029
• Table 126 Forecast Personal Charge Cards Transactions: % Growth 2024-2029

PRE-PAID CARDS IN INDIA

KEY DATA FINDINGS

2024 DEVELOPMENTS

• Closed loop pre-paid cards benefit from growing demand for transportation cards
• Enhanced security and fraud protection features provide boost, while low merchant acceptance level impacts open loop pre-paid cards
• Demand for travel cards, driven by cost efficiency, benefits open loop pre-paid cards

PROSPECTS AND OPPORTUNITIES

• Open loop pre-paid cards offer attractive opportunities
• Slowdown in demand for gift cards and greater adoption of digital payment methods to create a challenge for pre-paid cards
• Closed loop pre-paid cards growth to remain dependent on demand for public transportation

CATEGORY DATA

• Table 75 Pre-paid Cards: Number of Cards in Circulation 2019-2024
• Table 76 Pre-paid Cards Transactions 2019-2024
• Table 77 Pre-paid Cards in Circulation: % Growth 2019-2024
• Table 78 Pre-paid Cards Transactions: % Growth 2019-2024
• Table 79 Closed Loop Pre-paid Cards Transactions 2019-2024
• Table 80 Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
• Table 81 Open Loop Pre-paid Cards Transactions 2019-2024
• Table 82 Open Loop Pre-paid Cards Transactions: % Growth 2019-2024
• Table 83 Pre-paid Cards: Number of Cards by Issuer 2019-2023
• Table 84 Pre-paid Cards: Number of Cards by Operator 2019-2023
• Table 85 Pre-paid Cards Transaction Value by Issuer 2019-2023
• Table 86 Pre-paid Cards Transaction Value by Operator 2019-2023
• Table 87 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2019-2023
• Table 88 Closed Loop Pre-paid Cards: Number of Cards by Operator 2019-2023
• Table 89 Closed Loop Pre-paid Cards Transaction Value by Issuer 2019-2023
• Table 90 Closed Loop Pre-paid Cards Transaction Value by Operator 2019-2023
• Table 91 Open Loop Pre-paid Cards: Number of Cards by Issuer 2019-2023
• Table 92 Open Loop Pre-paid Cards: Number of Cards by Operator 2019-2023
• Table 93 Open Loop Pre-paid Cards Transaction Value by Issuer 2019-2023
• Table 94 Open Loop Pre-paid Cards Transaction Value by Operator 2019-2023
• Table 95 Forecast Pre-paid Cards: Number of Cards in Circulation 2024-2029
• Table 96 Forecast Pre-paid Cards Transactions 2024-2029
• Table 97 Forecast Pre-paid Cards in Circulation: % Growth 2024-2029
• Table 98 Forecast Pre-paid Cards Transactions: % Growth 2024-2029
• Table 99 Forecast Closed Loop Pre-paid Cards Transactions 2024-2029
• Table 100 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2024-2029
• Table 101 Forecast Open Loop Pre-paid Cards Transactions 2024-2029
• Table 102 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2024-2029