市場調査レポート

世界の小売業者によるペイメントカード市場:共同ブランド・ロイヤルティ・プライベートラベルプログラム

Global Retailer Cards: Co-Branded, Loyalty and Private Label Programs

発行 Finaccord Ltd. 商品コード 126366
出版日 ページ情報 英文 550 Pages
納期: 即日から翌営業日
価格
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世界の小売業者によるペイメントカード市場:共同ブランド・ロイヤルティ・プライベートラベルプログラム Global Retailer Cards: Co-Branded, Loyalty and Private Label Programs
出版日: 2010年06月01日 ページ情報: 英文 550 Pages

当商品の販売は、2016年07月01日を持ちまして終了しました。

概要

当レポートでは、世界の小売業者によるペイメントカード市場について調査分析し、小売業者によるペイメントカードの普及率、利用可能なカードタイプ、オペレーションモデル、発行業者の市場シェア、小売業者独自のロイヤルティプログラム、提携ロイヤルティプログラムなどを国別にまとめ、概略下記の構成でお届けいたします。

エグゼクティブサマリー

第1章 イントロダクション

第2章 世界市場の概要

  • イントロダクション
  • 小売業者のペイメントカード
  • 社内事業とジョイントベンチャー化
  • 小売業者独自のロイヤルティプログラム
  • 提携ロイヤルティプログラム

第3-62章 国別分析

  • イントロダクション
  • 小売業者のペイメントカード
  • 小売業者独自のロイヤルティプログラム
  • 提携ロイヤルティプログラム

図表

目次

What is the research?

Global Retailer Cards: Co-Branded, Loyalty and Private Label Programs is a report, based on a survey of 6,280 prominent retail brands in 65 countries, about the provision of payment cards and loyalty programs by major retailers around the world. Retailer participation in coalition loyalty schemes is also considered.

Countries covered are Argentina, Australia, Austria, Bahrain, Belgium, Bosnia-Herzegovina, Brazil, Bulgaria, Canada, Chile, China, Colombia, Costa Rica, Croatia, Czech Republic, Denmark, Ecuador, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, India, Indonesia, Ireland, Italy, Japan, Kuwait, Latvia, Lithuania, Malaysia, Mexico, Netherlands, New Zealand, Norway, Oman, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Russia, Saudi Arabia, Serbia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, Turkey, UK, Ukraine, United Arab Emirates, Uruguay, USA, and Vietnam.

In total, the research identifies 1,945 retailer payment cards, over 2,500 proprietary retailer loyalty programs and over 100 coalition loyalty schemes, thereby providing a definitive, worldwide analysis of retailer co-branded, loyalty and private label programs that goes far beyond the scope of previous published research. Moreover, the PartnerBASE"! database that accompanies the report details each of the many initiatives for retailer credit, deferred debit, debit and rechargeable pre-paid cards traced by Finaccord, specifying the operating models used by retailers, the payment networks to which the cards are affiliated and the identity of the ultimate card issuers in each case.

What are the key features of the research?

Key features of this report include:

  • definitive coverage of the involvement in co-branded, loyalty and private label card schemes of 6,280 major retail brands in 65 countries worldwide;
  • focus on 1,945 schemes for retailer credit, deferred debit, debit and pre-paid cards: which card issuers and networks are strong in which countries and with which retailers do they collaborate?
  • comprehensive p listing of retailers using captive or joint venture card issuing divisions or subsidiaries for their co-branded or store card schemes;
  • identification of over 2,500 proprietary retailer loyalty programs including the split by country according to whether they run in parallel to a payment card or remain unaccompanied by such a card;
  • identification of over 100 coalition loyalty schemes with which major retail chains have affiliated including AIRMILES, Bonus Card, CMR Puntos, Deutschland Card, dotz, eBucks, Maximiles, Multipont, Nectar, PAYBACK, Pika, Plussakortti, Supercard, Upromise and Webmiles.

How can the research be used?

You may be able to use this report and the PartnerBASE"! that accompanies it in one or more of the following ways:

  • gain rapid access to a unique global source of intelligence covering virtually all significant retail brands across an extremely wide range of geographies;
  • monitor the activity of key national and international competitors in the retailer payment card sector including the many subsidiaries of AEON Credit Service, Alliance Data Systems, BNP Paribas, Citigroup, Credit Agricole, GE Capital, HSBC, IKANO, Santander and Societe Generale;
  • evaluate the potential for acquiring the existing cardholder portfolios of retail groups by purchasing equity stakes in captive card issuing entities;
  • understand the potential in each country for converting existing proprietary retailer loyalty cards into fully-fledged payment cards;
  • learn more about the growing number of coalition loyalty programs around the world including the payment cards that have been launched as a result of their popularity.

What are some of the key findings?

  • 1. Rechargeable pre-paid cards are common as a form of retailer payment card in the Middle East, North America and South Africa
  • 2. Proprietary retailer loyalty programs achieve the highest worldwide penetration among department stores, fuel retailers and cash and carry chains.
  • 3. In spite of some consolidation, the Japanese market for issuing retailer payment cards remains extremely fragmented
  • 4. Key findings from the executive summary include:
    • the 1,945 retail chains offering their own payment cards can be segmented by network or marque
    • in fact, 17.0% of retailer cards are affiliated on an exclusive basis to the Visa network with 13.6% linked in the same fashion to the MasterCard brand;
    • however, as many as 42.5% of retailers with their own payment cards offer one or more private label products only;
    • furthermore, 18.7% of the retailers offering payment cards promote cards that are linked to more than one of these networks - this can occur either by means of the fact that they offer two separate cards or, in a few cases, because a single card carries more than one brand;
    • as far as the existence of coalition loyalty programs is concerned, the survey ascertained that across all 65 countries, 814 retailers were found to take part in such schemes, equivalent to a penetration rate of 13.0%.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Over 30% of major retail brands worldwide have introduced their own payment card program...
  • ... with rates of involvement highest among fuel retailers and department stores
  • Most retailer payment card schemes are run through a single external partner or a captive card issuer
  • Over 40% of retailers with their own payment cards offer one or more private label products only
  • In the retailer payment card sector, MasterCard is strongest in Northern and Central Europe and Visa in Asia
  • Ten groups hold a worldwide share of retailer payment card partnerships in excess of 1%
  • Over 40% of major retail brands worldwide have a proprietary loyalty program up and running
  • Coalition loyalty programs in which retailers are involved exist in 47 of the 65 countries considered
  • Globally, a number of factors favour the continuing development of retailer payment cards
  • The number of active coalition loyalty programs worldwide is continuing to increase each year
  • Dynamics in the underlying retailing markets are also conducive to retailer payment card programs

1.0 INTRODUCTION

  • Rationale
  • In most countries, retailing is the most important co-branding arena for card issuers...
  • ... and the number of active coalition loyalty programs is continuing to increase each year
  • The evolution of the retailing market itself also encourages the launch of retailer payment cards
  • Methodology
  • Finaccord' s research covers 6,280 major retail brands across 65 countries worldwide
  • Product definitions
  • Coverage of payment cards includes credit, deferred debit, debit and rechargeable pre-paid cards
  • Proprietary and coalition loyalty programs are present in a variety of different formats
  • Finaccord

2.0 GLOBAL OVERVIEW

  • Introduction
  • Retailer payment cards
  • Retail chains in North America have been most active in developing payment cards
  • Almost three quarters of fuel retailing brands have introduced their own payment card
  • Most fuel retailers continue to focus on offering traditional fuel cards only
  • Rechargeable pre-paid cards are common in the Middle East, North America and South Africa
  • Most retailers operate payment cards either through captive entities or a single, external partner
  • Over 40% of retailer payment cards worldwide exist only in a private label format
  • As a retailer payment card brand, Visa is strongest in Asia
  • BNP Paribas is the clear leader in the market for retailer payment cards worldwide...
  • ... with nine other groups in possession of a share of more than 1% of all schemes
  • Captives and joint ventures
  • Over 850 of the retail brands surveyed work with captive or joint venture card issuing arms
  • The evidence of consumer research in Germany and the UK
  • Supermarkets and other retailers are especially influential in the UK credit card market...
  • ... and their distribution share is even higher in the case of pre-paid cards
  • Proprietary retailer loyalty programs
  • In relative terms, proprietary loyalty schemes are most widespread in Asia
  • Proprietary loyalty programs are most widespread among department stores and fuel retailers
  • Most proprietary loyalty schemes are linked only to a card with no payment function
  • Coalition loyalty programs
  • Retailer participation is particularly widespread in three of the regions covered
  • Cash and carry outlets are the least likely to take part in coalition loyalty schemes
  • Globally, Finaccord has identified over 100 coalition loyalty programs with retailer involvement

3.0 ARGENTINA

  • Introduction
  • Retailer payment cards
  • Most retailer payment cards in Argentina are private label credit cards issued on a captive basis...
  • ... although one joint venture and a handful of deals with external issuers are in evidence
  • Proprietary retailer loyalty programs
  • Most proprietary loyalty schemes remain unlinked to a corresponding retailer payment card
  • Coalition loyalty programs
  • The potential exists for coalition loyalty programs to develop in Argentina from the current low level
  • BBVA Banco Frances is the issuer of the ServiClub loyalty scheme payment card

4.0 AUSTRALIA

  • Introduction
  • Retailer payment cards
  • American Express possesses several key relationships in the Australian retailer card market...
  • ... with GE Money and HSBC identifiable as other important competitors in this sector
  • Proprietary retailer loyalty programs
  • Most retailer loyalty schemes in Australia remain built around cards with no payment function
  • Coalition loyalty programs
  • FlyBuys in Australia claims to the world' s fifth largest coalition loyalty program...
  • ... and possesses a member base within which almost three quarters are women

5.0 AUSTRIA

  • Introduction
  • Retailer payment cards
  • Retailer-owned card issuers dominate Austria' s payment card market
  • Proprietary retailer loyalty programs
  • More than half of Austrian retailers have their own loyalty program
  • Coalition loyalty programs
  • Coalition loyalty schemes are comparatively rare in Austria

6.0 BELGIUM

  • Introduction
  • Retailer payment cards
  • Colruyt and Okay are unusual in offering cards that carry a debit rather than credit functionality
  • The majority of retailer payment cards in Belgium are classifiable as private label products
  • Proprietary retailer loyalty programs
  • Over a third of major retail brands in Belgium possess a proprietary loyalty program
  • Coalition loyalty programs
  • Delhaize Group' s Carte-plus ties in a variety of other consumer-facing organizations

7.0 BOSNIA-HERZEGOVINA

  • Introduction
  • Retailer payment cards
  • The only retailer payment cards in Bosnia-Herzegovina are restricted to the fuel sector
  • Proprietary retailer loyalty programs
  • Proprietary retailer loyalty schemes are comparatively rare in Bosnia-Herzegovina
  • Coalition loyalty programs
  • Mercator also operates its coalition loyalty scheme in Bosnia-Herzegovina

8.0 BRAZIL

  • Introduction
  • Retailer payment cards
  • Brazil can lay claim to being the world' s most developed market for retailer payment cards...
  • .... with major retail brands adhering to a variety of operating models in this context
  • ibi, the captive bank of C&A, manages a portfolio of in excess of 20 million cardholders...
  • with Midway Financeira, established in 2008, responsible for a book of more than 15 million
  • Tricard is the card issuing subsidiary of the Grupo Martins conglomerate
  • Private label and other networks, including Aura, offer alternatives to MasterCard and Visa
  • Cetelem' s Brazilian business returned to profitability in 2009 following an operating loss in 2008
  • Dacasa Financeira has built up a portfolio of approximately two million customers
  • Proprietary retailer loyalty programs
  • Over a half of major retail chains in Brazil have launched their own loyalty scheme
  • Coalition loyalty programs
  • Both Multiplus Fidelidade and Smiles owe their origins to the airline sector

9.0 BULGARIA

  • Introduction
  • Retailer payment cards
  • Bulgaria, retailer payment cards manifest themselves most commonly as fuel cards...
  • although several retail brands have launched co-branded products
  • Proprietary retailer loyalty programs
  • Bulgarian retailers frequently offer their own loyalty programs
  • Coalition loyalty programs

10.0 CANADA

  • Introduction
  • Retailer payment cards
  • Rechargeable pre-paid cards are offered very frequently by major retail brands in Canada
  • MasterCard is far more widespread than Visa as a co-branding partner for retailer cards
  • Canadian Tire Bank has accumulated around four million cardholders...
  • while Link Financial Services and Talbots Classic National Bank are other notable card issuers
  • The gross credit card receivables of President' s Choice Bank declined slightly in 2009
  • Non-captive retailer payment card relationships are spread among 14 external card issuers...
  • although only 11 of these possess exclusive partnerships
  • Bank of Montreal currently markets two co-branded credit cards in association with Shell
  • Chase Card Services entered the Canadian market by acquiring Sears Canada Bank
  • The Staples MasterCard product issued by Citibank was launched in April 2009
  • MBNA' s portfolio of partner organisations in Canada extends to nearly 900 entities
  • TD Retail Card Services boosted its operations through acquisition in September 2008
  • Proprietary retailer loyalty programs
  • More than one in five major retailers have linked a proprietary loyalty program to a payment card
  • Coalition loyalty programs
  • Consumers in Canada can choose between a number of different coalition loyalty programs
  • Air Miles Canada claimed to possess more than ten million members as of April 2010
  • Originally started as a frequent-flyer scheme, Aeroplan is now fully independent of Air Canada
  • Credit cards linked to the Save-On-More program are issued by MBNA
  • HBC Rewards was launched in 2001 and includes retailers outside the HBC group
  • The Canadian Automobile Association is running a popular multi-partner loyalty program

11.0 CHILE

  • Introduction
  • Retailer payment cards
  • Retailer-owned card issuers continue to dominate Chile' s payment card market...
  • ... with over ten million store cards having been issued by these entities
  • Falabella has been active in this arena since 1998
  • Cencosud' s Banco Paris saw its asset base shrink by over 15% during 2009
  • Over a half of transactions generated by Ripley' s payment card are due to Ripley' s own stores
  • Cards issued by Presto are accepted at more than 50,000 retail outlets across Chile
  • Solventa Servicios Financieros can access its own branches as well as retail outlet distribution
  • Proprietary retailer loyalty programs
  • Most proprietary loyalty schemes are linked to a corresponding retailer payment card
  • Cencosud claims that its Circulo Mas loyalty program is the largest in Chile by member numbers
  • Coalition loyalty programs
  • Three retailer-owned loyalty schemes can be classified as coalition programs...
  • ... each of which are supported by an associated payment card

12.0 CHINA

  • Introduction
  • Retailers in China dodged the global recession of 2009...
  • ...but may face conditions of increased competition and consolidation in the coming years
  • Consumer trends in urban areas encourage a rapid growth in the use of credit cards
  • Retailer payment cards
  • In China, retailer payment cards manifest themselves most commonly as credit cards
  • Cards linked only to UnionPay and private label products are most frequently offered by retailers
  • Not all payment cards offered by retailers are available on a nationwide basis
  • China Everbright Bank has launched a number of high profile co-branded card schemes
  • China Minsheng Bank is seeking expand credit cards in circulation to 15 million by 2012
  • Guangdong Development Bank is one of the few banks to break even in its credit card business
  • ICBC was the first issuer to offer a co-branded credit card with Visa payWave technology
  • Card issuing opportunities are opening up for foreign banks in China
  • Proprietary retailer loyalty programs
  • A clear majority of major retail brands in China have developed their own loyalty schemes...
  • Coalition loyalty programs
  • ... although coalition loyalty schemes have yet to develop on a nationwide basis

13.0 COLOMBIA

  • Introduction
  • Retailer payment cards
  • A significant proportion of major retail chains in Colombia offer their own retailer payment card
  • The card schemes of Colombian retailers are spread quite thinly among several competitors
  • Proprietary retailer loyalty programs
  • Most retailer loyalty schemes are not related to a corresponding retailer payment card
  • Coalition loyalty programs

14.0 COSTA RICA

  • Introduction
  • Retailer payment cards
  • Costa Rica hosts just one captive issuer of retailer payment cards
  • A majority of retailer payment cards in Costa Rica carry the Visa marque...
  • ... with Citibank the foremost non-captive card issuer in this respect...
  • Proprietary retailer loyalty programs
  • Over a half of major retail chains surveyed in Costa Rica operate a proprietary loyalty program
  • Coalition loyalty programs

15.0 CROATIA

  • Introduction
  • Retailer payment cards
  • Retailer payment cards are most widespread among fuel retailing brands and supermarkets
  • Diners Club Adriatic is a key player in Croatia with around 450,000 credit cards issued
  • Proprietary retailer loyalty programs
  • Cards both with and without a payment function apply in the case of BILLA and Konzum
  • Coalition loyalty programs
  • Mercator' s Pika loyalty scheme is classifiable as a coalition loyalty program

16.0 CZECH REPUBLIC

  • Introduction
  • Retailer payment cards
  • Only a limited number of retailers offer co-branded payment cards to their customers
  • Proprietary retailer loyalty programs
  • Less than a third of major Czech retailers offer a loyalty program to their customers
  • Coalition loyalty programs
  • Two coalition loyalty programs dominate among Czech retailers

17.0 DENMARK

  • Introduction
  • Retailer payment cards
  • A comparatively high proportion of Danish retailers offer their own payment cards
  • IKANO and SEB Kort have agreements with multiple retail brands
  • Proprietary retailer loyalty programs
  • Only a minority of Danish retailers have launched their own loyalty schemes
  • Coalition loyalty programs

18.0 ECUADOR

  • Introduction
  • Retailer payment cards
  • Most retailer payment cards in Ecuador are private label products...
  • ... although the MegaMaxi and SuperMaxi cards are available in multiple formats
  • Proprietary retailer loyalty programs
  • Most proprietary loyalty schemes are run by retail brands belonging to Corporacion Favorita...
  • Coalition loyalty programs
  • ... which is also the owner of the Cadena de Beneficios Supermaxi coalition loyalty program

19.0 ESTONIA

  • Introduction
  • Retailer payment cards
  • Only a small proportion of Estonian retailers have developed their own payment cards
  • Proprietary retailer loyalty programs
  • Proprietary loyalty schemes are comparatively common in Estonia...
  • Coalition loyalty programs
  • ... with a significant number of retailers adhering to one of the two major coalition loyalty schemes

20.0 FINLAND

  • Introduction
  • Retailer payment cards
  • The number of retailers offering their own payment cards is lower than in the other Nordic countries
  • Nordea and Sampo Pankki have the highest number of partnerships for payment cards
  • Proprietary retailer loyalty programs
  • Proprietary loyalty programs are comparatively popular among Finnish retailers
  • Coalition loyalty programs
  • A high proportion of retailers are part of a coalition loyalty scheme linked to a credit card
  • Plussakortti and S-Etukortti dominate the market for coalition loyalty programs

21.0 FRANCE

  • Introduction
  • Retailer payment cards
  • Cards with a credit or deferred debit function dominate the retailer card landscape in France
  • Joint venture issuers continue to play a significant role in the French retailer card market
  • In spite of the change in rules concerning co-branded cards, private label cards remain dominant
  • Franfinance heads the list in terms of its outright number of exclusive retailer card relationships
  • The Aurore card alone possesses around nine million customers in France
  • Banque Accord claimed in excess of six million customers worldwide by the middle of 2009
  • BNP Paribas Personal Finance manages around 12 million active customers worldwide...
  • ... with its S2P joint venture with Carrefour among its most important initiatives in France
  • Finaref possesses payment cards in circulation in France in the region of 6.5 million
  • For Franfinance, the introduction of co-branding has thrown up new partnership opportunities
  • The web-based sales of LaSer have been rising exponentially
  • Proprietary retailer loyalty programs
  • A majority of proprietary loyalty programs are linked to a card with no payment function
  • Coalition loyalty programs
  • Over 10% of retail brands surveyed are affiliated either to Maximiles or S' Miles
  • Maximiles possesses around 5.55 million members across four European countries...
  • ... and believes that its proposition is characterized by several unique attributes
  • However, it found it harder to achieve revenue growth during the first six months of 2009

22.0 GERMANY

  • Introduction
  • Retailer payment cards
  • More than a fifth of major German retailers have developed their own payment cards
  • KarstadtQuelle Bank continues to operate as a major credit card issuer in Germany
  • Seven German card issuers manage a single major retailer card program each
  • Amazon' s co-branded card experienced rapid growth following its launch in 2006
  • Proprietary retailer loyalty programs
  • More than a third of major German retailers offer a proprietary loyalty program
  • Coalition loyalty programs
  • There are several significant coalition loyalty programs in Germany
  • PAYBACK remains the biggest coalition loyalty scheme despite growing competition
  • DeutschlandCard has grown member numbers rapidly since its launch in 2008
  • Webmiles is the leading online coalition loyalty scheme in Germany
  • The decline of Happy Digits followed its abandonment by Karstadt and Deutsche Telekom

23.0 GREECE

  • Introduction
  • Retailer payment cards
  • Over one third of major Greek retail chains surveyed have launched their own payment card...
  • ... with Alpha Bank and Citibank having secured the highest number of relationships thus far...
  • ... and with most of the cards identified carrying the Visa logo
  • Alpha Bank' s credit card turnover and balances have been growing rapidly
  • Emporiki Credicom has introduced two high-profile co-branded retailer cards in recent years
  • Millennium Bank' s consumer credit operations have been growing more slowly
  • National Bank of Greece issued over a quarter of a million new credit cards during 2008
  • Credit card balances account for a relatively small percentage of Pro Bank' s total loan portfolio
  • Proprietary retailer loyalty programs
  • Proprietary loyalty programs are comparatively widespread among major Greek retailers
  • Coalition loyalty programs

24.0 HONG KONG

  • Introduction
  • Retailer payment cards
  • Retailer payment cards are most widespread among fuel retailing brands and department stores
  • Retailer payment cards bearing the Visa logo outnumber those linked to other networks
  • Several banks are active as issuers in Hong Kong' s retailer payment card market
  • In Hong Kong, all retailer cards managed by HSBC are private label products
  • The Jusco co-branded credit card is a key driver of growth for AEON Credit Service in Hong Kong
  • Bank of China and SOGO initiated a payment card partnership in September 2008
  • Numerous retailers and other merchants in Hong Kong accept the Octopus Card
  • Proprietary retailer loyalty programs
  • Loyalty cards both with and without a payment function are offered by five retail brands
  • Coalition loyalty programs
  • Hang Seng Bank' s Enjoy Card program is a popular coalition loyalty scheme
  • Two major retail chains in Hong Kong have joined the Asia Miles loyalty program

25.0 HUNGARY

  • Introduction
  • Retailer payment cards
  • Hungarian retailers tend to offer co-branded credit cards rather than debit or pre-paid cards
  • MasterCard is the preferred network for co-branded retailer cards in Hungary
  • Proprietary retailer loyalty programs
  • Almost a half of major Hungarian retailers run their own loyalty program
  • Coalition loyalty programs
  • Both credit and debit cards have been launched out of the Multipont coalition scheme

26.0 INDIA

  • Introduction
  • The Indian retail sector continues to growth at an extraordinary pace...
  • ... although for foreign retail companies, India remains a difficult country to enter...
  • ...and traditional local vendors still account for the vast majority of total sales
  • Retailer payment cards
  • Only a small number of major Indian retail chains have launched their own payment card
  • Visa is the dominant payment card marque in India' s retailer payment card market
  • Four issuers have exclusive payment card relationships with Indian retailers
  • Citibank and Indian Oil launched their first co-branded product as long ago as 1997
  • The retailer payment cards issued by HSBC have associated loyalty programs
  • ICICI Bank remains India' s largest credit card firm despite scaling back issuing activity
  • The Croma credit card builds on a program previously available only to employees
  • A new tie between SBI Card and Aditya Birla could eventually reach the latter' s retail brands
  • Proprietary retailer loyalty programs
  • Proprietary loyalty programs are not especially widespread among major retailers in India
  • Coalition loyalty programs

27.0 INDONESIA

  • Introduction
  • Since the opening of the retail sector in 1998 the market has seen intense competition
  • After having escaped the effects of the global recession, retailers look set for further growth
  • Retailer payment cards
  • A majority of retailer payment cards in Indonesia are rechargeable pre-paid cards
  • Only three non-captive card issuers are apparent in Indonesia' s retailer payment card market
  • Bank Mandiri had a portfolio of about 1.5 million credit card customers by November 2009
  • Carrefour' s co-branded BCA payment card exists both as MasterCard and Visa products
  • About 20% of Citibank' s credit card business is generated from grocery shopping
  • The growth of credit card usage continues although debit cards remain more widely used
  • Proprietary retailer loyalty programs
  • About one in three major retail brands in Indonesia operate their own loyalty scheme
  • Coalition loyalty programs

28.0 IRELAND

  • Introduction
  • Retailer payment cards
  • Rechargeable pre-paid cards are more widespread than credit or deferred debit cards
  • Few retailer card schemes in Ireland are linked either to MasterCard or Visa
  • Proprietary retailer loyalty programs
  • Proprietary loyalty programs have been established by comparatively few Irish retail chains
  • Coalition loyalty programs

29.0 ITALY

  • Introduction
  • Retailer payment cards
  • Retailer payment cards in Italy are oriented heavily towards credit and deferred debit formulae
  • Several retailers offer payment cards in both private label and either MasterCard or Visa versions
  • Agos, Fiditalia and Findomestic are the leading non-captive issuers of retailer payment cards...
  • ... with two of these three firms having experienced important changes in ownership structure
  • Other non-captive issuers of retailer cards in Italy possess just one major relationship each
  • Proprietary retailer loyalty programs
  • The vast majority of retailers operating a loyalty card have not launched a parallel payment card
  • Coalition loyalty programs
  • The Nectar coalition loyalty scheme was introduced to Italy in February 2010
  • Maximiles was launched in December 2007 as Italy' s first online multi-partner scheme

30.0 JAPAN

  • Introduction
  • Retailer payment cards
  • Most retailer payment cards in Japan are organized through a single, external card issuer
  • Many Japanese retailer payment cards are available in several different versions
  • In spite of some consolidation, the market remains populated by a high number of issuers
  • AEON Credit Service was originally founded in June 1981...
  • ... and had amassed total assets of ¥854.2 billion by the time of its most recent financial report
  • The company possesses over 20 million cardholders in total...
  • ... and launched WAON, its own e-money currency, in April 2007
  • AEON Credit Service is active in eight other countries in the Asia Pacific region
  • APLUS is seeking to establish competitive advantage through profitability rather than size
  • Newly-created Cedyna Financial Corporation is keen to expand into international markets
  • Credit Saison classifies over a half of its cards issued as being owned by active cardholders
  • The company collaborates with a wide variety of partner entities in addition to retail brands
  • IY Card Service is the principal card issuing entity within Seven & I Holdings...
  • ... and is responsible for managing the group' s nanaco e-money initiative
  • Worldwide, JCB claims to have amassed in the region of 60.2 million cardholders
  • MUFG Card and JACCS both belong to the Mitsubishi UFJ Financial Group
  • Orient Corporation plans to place a greater emphasis on credit cards and installment credit
  • Rakuten KC is one of several fast-growing financial entities belonging to Rakuten
  • Proprietary retailer loyalty programs
  • Two out of three major retailers in Japan offer their own loyalty program
  • Coalition loyalty programs
  • There are several significant coalition loyalty programs up and running in Japan...
  • ... including Vinculum Group' s Goopon Card and Yamada Financial' s Labicard
  • About 3.4 million consumers had joined the T-Point scheme by January 2010...
  • ... a slightly higher number than those who have signed up to the Top Club Q program
  • The Ponta program aims to reach a membership of 30 million within only three years

31.0 LATVIA

  • Introduction
  • Retailer payment cards
  • Only a relatively small number of Latvian retailers offer their own payment cards
  • Proprietary retailer loyalty programs
  • Eurovaistines stated that it will soon introduce a proprietary loyalty scheme
  • Coalition loyalty programs

32.0 LITHUANIA

  • Introduction
  • Retailer payment cards
  • Retailer payment cards are more widespread in Lithuania than in either Estonia or Latvia
  • ... in part as a consequence of their popularity among all major fuel retailing brands
  • Norfa offers a credit card, a debit card and a pre-paid card
  • Proprietary retailer loyalty programs
  • Just over a half of major Lithuanian retailers have set up their own loyalty program
  • Coalition loyalty programs
  • Two coalition loyalty schemes involving retail brands have been established in Lithuania

33.0 MALAYSIA

  • Introduction
  • Foreign retail groups may see regulations lifted to boost further expansion in Malaysia
  • The country' s retailers were hit by the 2009 downturn but their prospects appear fairly positive
  • Retailer payment cards
  • Most retailer payment cards in Malaysia are issued in collaboration with single, external partners
  • A majority of retailer cards carry either the MasterCard or Visa badge
  • A substantial number of banks are involved in the management of retailer payment cards
  • AEON Credit Service' s cardholders in Malaysia reached 120,000 by the first quarter of 2009
  • eCosway has switched its payment card issuer from Ambank to Alliance Bank
  • The Petronas MasterCard has been a key product for CIMB Bank
  • Citibank lays claim to a 20% market share of credit card usage in Malaysia
  • The partnership between Tesco and RHB Bank which began in 2009 will last at least four years
  • Proprietary retailer loyalty programs
  • A significant number of major retailers in Malaysia offer their own reward scheme
  • Coalition loyalty programs
  • There are three main coalition loyalty schemes in Malaysia

34.0 MEXICO

  • Introduction
  • Retailer payment cards
  • A number of leading retail groups in Mexico issue cards through captive or joint venture entities
  • Banco Ahorro Famsa has grown rapidly since launch but has yet to reach profitability
  • Banco Azteca has built up a network of more than 1,500 branches in under ten years
  • Since launch, the performance of BanCoppel has been similar to that of Banco Ahorro Famsa
  • Relative to its total assets, Banco Walmart has a lower exposure to credit risk
  • Soriana operates through a retailer banking alliance with Banamex, rather than a captive
  • Banco Facil has experienced significant difficulties with bad debt since its launch in 2007
  • BNP Paribas Personal Finance acquired a 50% stake in Prestacomer in November 2008
  • Visa is more prominent than MasterCard in Mexico' s retailer payment card market...
  • ... while Citigroup' s Banamex has been most prolific in creating non-captive partnerships
  • Proprietary retailer loyalty programs
  • Almost a third of major retail brands in Mexico operate a proprietary loyalty scheme...
  • Coalition loyalty programs
  • ... although no coalition loyalty programs had been launched at the time of the research

35.0 MIDDLE EAST

  • Introduction
  • Countries in the Middle East have attracted a large number of foreign luxury retail brands
  • After years of expansion, retailers in two territories may have reached a stage of maturity
  • Retailer payment cards
  • Only a minority of retailers in the Middle East have developed their own payment cards
  • Most retailer payment cards with a credit facility are concentrated in the United Arab Emirates
  • RBS ranks among the largest credit card issuers in the United Arab Emirates
  • BMI Bank has experienced a dramatic growth in its earnings from credit card loans
  • Citibank will set up kiosks in Virgin Megastores for credit card applications through touch screens
  • Proprietary retailer loyalty programs
  • More than one in ten retailers have launched their own proprietary loyalty cards
  • Coalition loyalty programs
  • Coalition loyalty schemes can be found in all the countries surveyed in the Middle East
  • With 17 retailer members Air Miles is the largest coalition loyalty scheme in Bahrain
  • The National Bank of Kuwait is running a significant coalition loyalty scheme in its home market
  • The basma scheme in Oman is jointly run by BankMuscat, Lulu, Nawras and Oman Oil
  • More than half of the retail chains surveyed in Qatar have joined a coalition loyalty program
  • National Commercial Bank runs the principal coalition loyalty scheme in Saudi Arabia
  • There are three important coalition loyalty programs in the United Arab Emirates

36.0 NETHERLANDS

  • Introduction
  • Retailer payment cards
  • Dutch retailers are the least likely in the region to have launched their own payment cards
  • Through Laser Cards and PrimeLine, LaSer enjoys a dominant position in the retailer card sector
  • Proprietary retailer loyalty programs
  • Loyalty cards with no payment function make up a half of all proprietary loyalty programs identified
  • Coalition loyalty programs
  • Several major retail brands are affiliated to the Dutch version of Air Miles

37.0 NEW ZEALAND

  • Introduction
  • Retailer payment cards
  • A fairly low proportion of retailers in New Zealand offer their own co-branded or store cards
  • Fisher & Paykel Finance and GE Money issue payment cards for major department stores
  • Smithcorp Finance had about 76,000 active customer accounts in 2009
  • Proprietary retailer loyalty programs
  • Around one third of major retail chains in New Zealand have launched their own loyalty schemes
  • Coalition loyalty programs
  • Nine major retailers in New Zealand are affiliated to the Fly Buys coalition loyalty program

38.0 NORWAY

  • Introduction
  • Retailer payment cards
  • Close to a third of major retailers in Norway have introduced their own payment card
  • PayEx harbours ambitions to expand further into the pre-paid card market
  • DnB NOR and GE Money Bank hold the highest number of partnerships with retailers
  • The Statoil MasterCard is one of the most widely held co-brands in the Nordic region
  • Proprietary retailer loyalty programs
  • Most proprietary retailer loyalty cards in Norway currently have no payment function
  • Coalition loyalty programs
  • Norges Gruppen plans to introduce a Trumf card with a payment function

39.0 PARAGUAY

  • Introduction
  • Retailer payment cards
  • A handful of retailer payment cards are in evidence, mostly in a private label format
  • The Stock Visa card is just one of several co-branded cards developed by Interbanco
  • Proprietary retailer loyalty programs
  • Few major retail brands in Paraguay have developed their own loyalty scheme thus far
  • Coalition loyalty programs

40.0 PERU

  • Introduction
  • Retailer payment cards
  • A majority of major retail brands in Peru have developed co-branded or private label cards
  • Vivanda has developed a co-branded card in association with American Express...
  • ... with Hiraoka distinguishing itself through both Diners Club and Visa cards
  • A majority of sales transacted in Max and Ripley stores are paid for with a Banco Ripley card
  • The co-branded Vea Visa card accounts for over a half of all payment cards issued by Interbank
  • Scotiabank is the most prolific creator of partnerships for retailer payment cards in Peru
  • Proprietary retailer loyalty programs
  • Relatively few Peruvian retailers operate their own proprietary loyalty scheme
  • Coalition loyalty programs
  • Both Empresas Ripley and Falabella have exported their loyalty schemes to Peru

41.0 PHILIPPINES

  • Introduction
  • Small retailers dominate but larger players are trying to gain ground outside of Manila
  • Philippine retail sales have weathered the storm of the global recession relatively well
  • Retailer payment cards
  • A minority of major Philippine retail brands offer their own retailer payment cards
  • Four retailer payment cards are linked exclusively to the Visa network
  • Four different banks are acting as issuers of retailer payment cards...
  • ... including two local banks...
  • ... Citibank, which possesses around 1.5 million credit card customers in the Philippines...
  • ... and Metrobank, which operates its credit card business through a joint venture with ANZ
  • RCBC' s credit card portfolio was boosted by taking over Bankard in 2006 but declined in 2008
  • Debit cards outnumber credit cards in the Philippines by a factor of over four to one
  • Proprietary retailer loyalty programs
  • Over a half of the major retail chains in the Philippines operate their own loyalty schemes
  • Coalition loyalty programs

42.0 POLAND

  • Introduction
  • Retailer payment cards
  • Over a quarter of major Polish retailers have introduced their own payment cards
  • The integration of Cetelem into Sygma Bank produces a clear market leader
  • Alior Bank has acquired the consumer finance and credit card portfolios of HSBC in Poland
  • Proprietary retailer loyalty programs
  • Most proprietary loyalty schemes identified are linked to a card with no payment function
  • Coalition loyalty programs
  • There are four significant coalition schemes involving major retail chains in Poland...
  • with two having been introduced in the relatively recent past
  • Class & Club and Miles & More have a lesser focus on the retail sector

43.0 PORTUGAL

  • Introduction
  • Retailer payment cards
  • Portugal' s retailers are the region' s most enthusiastic in launching their own payment cards
  • Almost a half of Portuguese retailer payment cards are available only as private label products
  • many as 11 external card issuers compete in Portugal' s retailer payment card market
  • part of a wider international initiative, Credifin has been integrated within Cetelem
  • Proprietary retailer loyalty programs
  • Over a half of major retail brands in Portugal have introduced a proprietary loyalty program
  • Coalition loyalty programs

44.0 ROMANIA

  • Introduction
  • Retailer payment cards
  • Retailer payment cards in Romania are oriented to cards with a credit or deferred debit function
  • BRD Finance and Cetelem are used most commonly in the context of retailer payment cards
  • The Romanian arm of Cetelem saw its loan book expand by more than one third during 2008
  • Banca Transilvania is the most prolific issuer of Visa-branded payment cards in Romania
  • October 2009, GarantiBank' s Bonus Card scheme had acquired 70,000 individual members
  • addition to teaming up Metro, UniCredit Tiriac is also the issuer used by Miles & More
  • Proprietary retailer loyalty programs
  • Almost one third of major retail brands in Romania operate their own loyalty schemes
  • Coalition loyalty programs
  • Coalition loyalty schemes play a relatively significant role in Romania' s retail sector
  • When introduced in 2007, Bonus Card was a unique product in the Romanian market
  • CardAvantaj is available as a credit card in both MasterCard and Visa versions
  • Euroline and Punct Card are Romania' s other coalition loyalty schemes

45.0 RUSSIA

  • Introduction
  • Retailer payment cards
  • Only a relatively small proportion of Russian retailers have launched their own payment cards...
  • with relationships spread thinly among several external issuers
  • Citibank has introduced co-branded cards in leage with several high profile partners in Russia
  • Credit Europe Bank claims to be among the top 25 banks in terms of customer lending volumes
  • As a result of nationwide expansion, Raiffeisen Bank' s credit card portfolio grew by 90% in 2008
  • Russian Standard Bank is the leading issuer of credit cards in Russia
  • Sedmoi Continent has reduced its ownership in Finservice Bank since its launch in 2006
  • Proprietary retailer loyalty programs
  • Proprietary loyalty programs are comparatively widespread among major retail chains in Russia
  • Coalition loyalty programs
  • Coalition loyalty programs have not penetrated the Russian market to any significant degree
  • Malina started as a loyalty card with no payment function but is now also available as a credit card

46.0 SERBIA

  • Introduction
  • Retailer payment cards
  • Most retailer payment cards in Serbia are issued through captive entities...
  • ... although both Alpha Bank and Credit Agricole have established retailer partnerships
  • Proprietary retailer loyalty programs
  • Most proprietary loyalty schemes have been linked to a corresponding retailer payment card
  • Coalition loyalty programs

47.0 SINGAPORE

  • Introduction
  • Retailer payment cards
  • Over a third of major retail chains in Singapore offer their own retailer payment cards
  • More retailer payment cards are linked to Visa than to any other network
  • Most retailer payment cards are developed in conjunction with a single, external issuer
  • HSBC and OCBC are the most prolific issuers of retailer payment cards in Singapore
  • Retailer cards issued by both Citibank and DBS Bank have associated loyalty schemes
  • HSBC' s Choice Card allows customers to earn bonus points at over 230 individual stores
  • OCBC' s collaboration with NTUC has advanced rapidly since its launch in April 2007
  • Proprietary retailer loyalty programs
  • Proprietary loyalty schemes are widespread among major retail brands in Singapore
  • Coalition loyalty programs
  • Coalition schemes are shut out by two dominant credit card reward programs
  • The POSB Everyday Card gives customers rebates at retailers, telecoms and utilities
  • UOB' s reward program is open to many of its credit card customers

48.0 SLOVAKIA

  • Introduction
  • Retailer payment cards
  • More than a fifth of major retail chains in Slovakia offer their own payment cards
  • Cetelem and VUB are the only card issuers with more than one retail sector partner
  • Proprietary retailer loyalty programs
  • More than a half of major retailers in Slovakia possess their own proprietary loyalty scheme
  • Coalition loyalty programs
  • The concept of coalition loyalty schemes remains to be explored in Slovakia

49.0 SLOVENIA

  • Introduction
  • Retailer payment cards
  • Most Slovenian retailers promoting their own payment cards opt for credit or deferred debit cards
  • Two co-branded credit cards carry the Diners Club payment marque
  • Proprietary retailer loyalty programs
  • MOL and Petrol have both linked their loyalty scheme to a corresponding payment card
  • Coalition loyalty programs
  • least two external retail brands have linked themselves to Mercator' s Pika loyalty program

50.0 SOUTH AFRICA

  • Introduction
  • Retailer payment cards
  • Around a half of major retail brands in South Africa offer a payment card...
  • with captive and joint venture card issuing operating models used most widely
  • Absa has generated growth from its acquisition of a stake in Woolworths Financial Services
  • Financial Services FG recorded sharply rising profits during 2009
  • Several external card issuers have initiated relationships with South African retailers
  • Standard Bank struck up a new card issuing relationship with Edcon in August 2005...
  • with around half a million MasterCard cards having been issued three years later...
  • accounting for around one quarter of the bank' s total credit card portfolio
  • Clicks launched a co-branded card in the wake of the success of its loyalty program
  • Proprietary retailer loyalty programs
  • Around one third of South Africa' s major retail chains possess their own loyalty scheme
  • Coalition loyalty programs
  • Coalition loyalty schemes involving retailers are extremely widespread in South Africa
  • Since its launch in May 2009 the Absa Rewards program has attracted many partners
  • Shell and Kalahari have joined a loyalty program designed for agricultural customers
  • CashReturns offers plenty of benefits to consumers but carries a monthly member fee
  • Discovery has established a loyalty program aimed at encouraging a healthy lifestyle
  • FirstRand' s eBucks scheme had about 1.6 million members in September 2009
  • Four major retail brands have affiliated themselves to the Infinity scheme
  • The Mahala scheme is targeted primarily at lower income individuals
  • The Momentum Card has signed up six major retail sector partners

51.0 SOUTH KOREA

  • Introduction
  • Retailer payment cards
  • South Korean retailers are comparatively active in the distribution of payment cards
  • Visa is used more often used for retailer payment cards than any other network
  • significant number of retail brands co-operate with multiple card issuers
  • Shinhan Card lays claim to five exclusive partnerships for retailer cards
  • There are about 52 million BC Cards in circulation if dual-branded cards are included
  • Credit card receivables make up 87% of all assets managed by Hyundai Card
  • Kookmin Bank is South Korea' s second largest credit card issuer
  • The Lotte Card had accumulated around 8.6 million cardholders by the end of 2008
  • Samsung Electronics and Samsung Life Insurance are the largest shareholders in Samsung Card
  • Boosted by the integration of LG Card, Shinhan Card possesses almost 14 million cardholders
  • South Korea' s credit card market is now characterized by very low bad debt ratios...
  • although per capita penetration remains extremely high
  • Proprietary retailer loyalty programs
  • Retail brands in South Korea commonly link their loyalty programs to a payment card
  • Coalition loyalty programs
  • Retailers in South Korea often participate in several loyalty schemes at any given time...
  • ... among which several are linked to both a credit card and a simple loyalty card...
  • ... with Finaccord having identified eight schemes in total

52.0 SPAIN

  • Introduction
  • Retailer payment cards
  • Credit and deferred debit cards are dominant in the Spanish retailer card market
  • Financiera El Corte Ingles had issued in excess of ten million store cards by the end of 2008
  • Retailer cards carrying the Visa marque are more widespread than those linked to MasterCard
  • Seven non-captive card issuers in Spain possess at least two relationships with retailers
  • Payment cards have also been developed in association with shopping centres or malls
  • Both Banco Cetelem and Uno-e Bank have issued in excess of three million cards in total
  • Proprietary retailer loyalty programs
  • Proprietary loyalty programs are up and running among more than a half of major retail chains
  • Coalition loyalty programs
  • There are three main coalition loyalty schemes with retailer involvement in Spain

53.0 SWEDEN

  • Introduction
  • Retailer payment cards
  • Most retailer payment cards in Sweden are classifiable as credit or deferred debit cards
  • ICA introduced its original kundkort in 1990 and launched a captive bank in 2002
  • IKANO Bank was reconfigured as a pan-Nordic bank from the beginning of 2009
  • Resurs Bank has established partnerships with retailers in a variety of different categories
  • Statoil' s private label card was phased out in favour of a MasterCard version during 2008
  • Proprietary retailer loyalty programs
  • Two thirds of proprietary loyalty schemes are linked to a corresponding retailer payment card
  • Coalition loyalty programs
  • Several retail chains that are not a part of KF Group have linked with the MedMera Kort

54.0 SWITZERLAND

  • Introduction
  • Retailer payment cards
  • comparatively high proportion of Swiss retailers have introduced their own payment cards
  • Since July 2007, Accarda has been jointly owned by the Maus Freres Group and the Aduna Group
  • Corner Bank possesses a portfolio of in excess of 900,000 credit cards
  • Proprietary retailer loyalty programs
  • More than a half of major Swiss retailers have launched their own loyalty program
  • Coalition loyalty programs
  • comparatively large number of Swiss retailers participate in a coalition loyalty scheme...
  • ... mainly as a result of the fact that there are as many as six schemes of relevance
  • Through Powercard, MF Group is a significant player in the retailer market
  • Supercard has itself linked to the Miles & More loyalty scheme

55.0 TAIWAN

  • Introduction
  • Retailer payment cards
  • Almost a half of major retail brands in Taiwan offer their own payment cards.
  • A relatively large number of retailers offer a range of payment card products...
  • ... although most elect to work with a single, external card issuer
  • A high number of banks are involved in Taiwan' s retailer payment card market
  • By the end of 2008, Chinatrust Commercial Bank had issued over 100,000 Watson' s Visa cards
  • Co-branding relationships are central to the card issuing operations of several other banks
  • After the bursting of the credit card bubble in 2006, cards in circulation fell by one third
  • Proprietary retailer loyalty programs
  • Proprietary loyalty schemes are widespread among major retail brands in Taiwan
  • Coalition loyalty programs
  • Seven major retail chains allow customers to gain points linked to a coalition loyalty scheme
  • 80% of Happy Go cardholders use the card at least once every three months

56.0 THAILAND

  • Introduction
  • The Thai retail sector is characterized by high degree of foreign penetration...
  • ...but the regulatory and political situation continues to create uncertainty
  • Retailer payment cards
  • Apart from fuel cards, all retailer payment cards carry either the MasterCard or Visa marque...
  • ... although schemes are spread quite thinly across up to nine non-captive card issuers
  • Thai Smart Card is an important issuer of contactless payment cards in Thailand
  • Proprietary retailer loyalty programs
  • Over a half of retailers with a loyalty scheme have linked this to a corresponding payment card
  • Coalition loyalty programs

57.0 TURKEY

  • Introduction
  • Retailer payment cards
  • A comparatively small proportion of Turkish retailers offer their own co-branded or store cards
  • Akbank, GarantiBank, Halkbank and Yapi Kredi all possess at least one exclusive relationship
  • GarantiBank is the most prolific issuer of credit cards in Turkey in terms of cards in circulation
  • Turkey' s credit card sector is growing rapidly but with high default rates in some cases
  • Proprietary retailer loyalty programs
  • Only a small proportion of retail chains in Turkey have launched their own loyalty schemes...
  • Coalition loyalty programs
  • ... precisely as a result of their widespread participation in coalition loyalty programs
  • 4.5 million payment cardholders participated in Akbank' s Axess program in 2009

58.0 UK

  • Introduction
  • Retailer payment cards
  • Almost one quarter of major retail brands in the UK have introduced their own payment card...
  • ... most of which are developed either through a single, external issuer or on a captive basis...
  • Sainsbury' s Bank has achieved a better level of profitability during 2008 and 2009
  • Tesco Bank will become a very significant challenger to incumbent retail banks in the UK
  • Home Retail Group Card Services possesses around 1.17 million active store card customers
  • In the UK, MasterCard is more influential than Visa as a retailer payment card marque
  • Having acquired GE' s store card business, Santander is now a market leader in the UK
  • LaSer UK manages a portfolio of in excess of four million cardholders
  • IKANO Financial Services experienced a widening of pre-tax losses during 2008
  • MasterCard owns a one third equity stake in PrePay Solutions, an issuer of pre-paid cards
  • Vanquis Bank reached profitability in 2008 in spite of a near doubling of provisions for bad debts
  • Proprietary retailer loyalty programs
  • Relatively few major retail brands in the UK possess their own proprietary loyalty scheme...
  • Coalition loyalty programs
  • ... which is, in part, a consequence of the participation of many in coalition loyalty programs
  • AIRMILES, ipoints and Nectar have very different profiles and histories...
  • ... and co-branded credit cards are offered in conjunction with three of these...
  • ... although Barclaycard Freedom has been configured in a very different way

59.0 UKRAINE

  • Introduction
  • Retailer payment cards
  • More than one in five major Ukrainian retailers offer their own retailer payment cards
  • Rodovid Bank has established itself as a significant player in the area of retailer cards...
  • ... although other banking institutions in Ukraine have also launched initiatives in this market...
  • ... including Pivdennyi Bank, whose presence is concentrated in the south of the country...
  • ... and Raiffeisen Bank Aval which is ranked third in terms of total payment cards issued
  • Proprietary retailer loyalty programs
  • Proprietary loyalty schemes are widespread among major retail brands in Ukraine
  • Coalition loyalty programs

60.0 URUGUAY

  • Introduction
  • Retailer payment cards
  • Most retailer payment cards are available in both MasterCard and Visa versions...
  • ... with three non-captive and one captive card issuer involved in this market
  • Proprietary retailer loyalty programs
  • Eight major retail brands in Uruguay have developed their own loyalty scheme thus far
  • Coalition loyalty programs

61.0 USA

  • Introduction
  • Retailer payment cards
  • Over a half of the major brands surveyed in the US have developed their own payment card...
  • ... with a small number of these active in this sphere through small captive banks
  • Nordstrom has stated that it will continue to manage its own credit card business
  • MasterCard is used more frequently than Visa in the context of co-branded cards
  • Bloomingdale' s and Macy' s have announced a switch to American Express cards
  • Eight non-captive card issuers possess five or more retailer payment card relationships
  • Since 2006, Barclays has run a high profile card partnership with Barnes& Noble
  • Chase Card Services has issued cards on behalf of the Disney Store since 2003
  • Citibank' s retail partner card portfolio reached USD58 billion in loans outstanding in 2009
  • GE Money' s partnership with Walmart was renewed in 2009
  • HSBC' s provision expenses for its private label card portfolio were relatively flat in 2009
  • Kroger' s partnership with RBS Citizens has been running since 2004
  • US Bank introduced two Visa cards in association with OfficeMax in November 2009
  • WFNNB oversees about 120 million cardholder accounts through 85 partnerships
  • Proprietary retailer loyalty programs
  • Almost six out of ten major US retail brands run a proprietary retailer loyalty program...
  • ... with many of these applying to several brands within single retailing groups
  • Coalition loyalty programs
  • Numerous providers across a variety of sectors have joined the Upromise program

62.0 VIETNAM

  • Introduction
  • The Vietnamese retail sector has continued to see high growth despite the global economic crisis...
  • ...but the expansion of foreign retailers is restricted by the lack of suitable urban sites
  • Retailer payment cards
  • Only a small proportion of Vietnamese retailers offer their own payment cards
  • Asia Commercial Bank had issued over 300,000 payment cards by the middle of 2009
  • Eximbank launched two types of co-branded card with the same retailer in January 2009
  • Petrolimex spent VND 2.7 billion to promote the payment cards launched in October 2009
  • Parkson' s co-branded credit card is issued in association with Sacombank
  • Debit cards still dominate in Vietnam but the use of credit cards is expected to expand rapidly
  • Proprietary retailer loyalty programs
  • Proprietary loyalty schemes are widespread among major retail brands in Vietnam
  • Coalition loyalty programs
  • Two Vietnamese retailers are promoting coalition loyalty programs to their customers

GRAPHICS / TABLES

  • Major retailers covered by the research segmented by category and by region
  • % of major retailers worldwide offering payment cards split by region, 2009 / 2010
  • % of major retailers worldwide offering payment cards split by category of retailer, 2009 / 2010
  • % split of fuel retailers worldwide that have developed co-branded consumer-oriented payment cards in addition to or instead of fuel cards, 2009 / 2010
  • % split of payment cards offered by major retailers worldwide by type and region, 2009 / 2010
  • % split of payment cards offered by major retailers worldwide by type and region, 2009 / 2010 (data)
  • % split of payment cards offered by major retailers worldwide by operating model and region, 2009 / 2010
  • % split of payment cards offered by major retailers worldwide by operating model and region, 2009 / 2010 (data)
  • % split of payment cards offered by major retailers worldwide by network / marque, 2009 / 2010
  • % split of payment cards offered by major retailers worldwide by network / marque and region, 2009 / 2010
  • % split of payment cards offered by major retailers worldwide by network / marque and region, 2009 / 2010 (data)
  • Influence of issuers owned or controlled by ten major groups on payment cards offered by major retailers worldwide, 2009 / 2010
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers worldwide with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • % of consumers in Germany and the UK acquiring payment cards through supermarkets and all other types of retailer combined, 2008 / 2009 and previous years compared (data)
  • % of major retailers worldwide offering proprietary loyalty programs split by region, 2009 / 2010
  • % of major retailers worldwide offering proprietary loyalty programs split by category of retailer, 2009 / 2010
  • % split of proprietary loyalty programs offered by major retailers worldwide according to whether they are linked to a payment card and / or a card with no payment function or are not linked to any kind of card by region, 2009 / 2010 (data)
  • % of major retailers worldwide involved in coalition loyalty programs split by region, 2009 / 2010
  • % of major retailers worldwide involved in coalition loyalty programs split by category of retailer, 2009 / 2010
  • Coalition loyalty programs worldwide with at least one major participating retailer, 2009 / 2010
  • Coalition loyalty programs worldwide with at least one major participating retailer, 2009 / 2010 (continued)
  • Retailer payment cards in Argentina: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Argentina: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Argentina: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Argentina: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Australia: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Australia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Australia: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Australia: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Austria: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Austria: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Austria: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Austria: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Belgium: provision rates, card types, and operating models, 2009 / 2010
  • Retailer payment cards in Belgium: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Belgium: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Belgium: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Bosnia-Herzegovina: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Bosnia-Herzegovina: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Bosnia-Herzegovina: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Bosnia-Herzegovina: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Bosnia-Herzegovina: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Brazil: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Brazil: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Brazil: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Brazil: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Brazil: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Bulgaria: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Bulgaria: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Bulgaria: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Canada: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Canada: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Canada: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Canada: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Canada: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Chile: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Chile: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Chile: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Chile: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Chile: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in China: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in China: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in China: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in China: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Colombia: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Colombia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Colombia: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Costa Rica: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Costa Rica: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Costa Rica: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Croatia: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Croatia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Croatia: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Croatia: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Croatia: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in the Czech Republic: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in the Czech Republic: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in the Czech Republic: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in the Czech Republic: provision rates and program types, 2009/ 2010
  • Payment cards linked to coalition loyalty programs in the Czech Republic: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Denmark: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Denmark: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Denmark: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Ecuador: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Ecuador: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Ecuador: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Ecuador: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Ecuador: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Estonia: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Estonia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Estonia: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Estonia: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Estonia: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Finland: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Finland: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Finland: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Finland: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Finland: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in France: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in the France: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in France: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in France: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Germany: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Germany: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Germany: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Germany: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Germany: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Greece: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Greece: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Greece: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Hong Kong: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Hong Kong: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Hong Kong: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Hong Kong: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Hong Kong: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Hungary: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Hungary: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Hungary: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Hungary: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Hungary: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in India: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in India: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in India: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Indonesia: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Indonesia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Indonesia: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Ireland: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Ireland: network and issuer shares, 2009 / 2010
  • Proprietary loyalty programs have been established by comparatively few Irish retail chains
  • Proprietary retailer loyalty programs in Ireland: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Italy: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Italy: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Italy: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Italy: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Italy: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Japan: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Japan: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Japan: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Japan: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Japan: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Latvia: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Latvia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Latvia: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Lithuania: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Lithuania: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Lithuania: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Lithuania: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Lithuania: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Malaysia: provision rates, card types, and operating models, 2009 / 2010
  • Retailer payment cards in Malaysia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Malaysia: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Malaysia: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Malaysia: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Mexico: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Mexico: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Mexico: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Middle East: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Middle East: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in the Middle East: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in the Middle East: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in the Middle East: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in the Netherlands: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in the Netherlands: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in the Netherlands: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in the Netherlands: provision rates and program types, 2009 / 2010
  • Retailer payment cards in New Zealand: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in New Zealand: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in New Zealand: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in New Zealand: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Norway: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Norway: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Norway: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Norway: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Paraguay: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Paraguay: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Paraguay: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Peru: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Peru: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Peru: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Peru: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Peru: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Philippines: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Philippines: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Philippines: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Poland: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Poland: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Poland: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Poland: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Poland: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Portugal: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Portugal: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Portugal: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Romania are oriented to cards with a credit or deferred debit function
  • Retailer payment cards in Romania: provision rates, card types and operating models, 2009 / 2010
  • Proprietary retailer loyalty programs in Romania: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Romania: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Romania: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Russia: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Russia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Russia: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Russia: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Russia: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Serbia: provision rates, card types, and operating models, 2009 / 2010
  • Retailer payment cards in Serbia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Serbia: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Singapore: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Singapore: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Singapore: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Slovakia: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Slovakia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Slovakia: provision rates and program types, 2009 / 2010
  • Two co-branded credit cards carry the Diners Club payment marque
  • Retailer payment cards in Slovenia: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Slovenia: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Slovenia: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Slovenia: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in South Africa: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in South Africa: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in South Africa: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in South Africa: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in South Africa: card types, operating models, and network issuer shares, 2009 / 2010
  • Retailer payment cards in South Korea: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in South Korea: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in South Korea: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in South Korea: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in South Korea: card types, operating models, and network issuer shares, 2009 / 2010
  • Retailer payment cards in Spain: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Spain: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Spain: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Spain: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Spain: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Sweden: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Sweden: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Sweden: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Sweden: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Sweden: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Switzerland: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Switzerland: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Switzerland: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Switzerland: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Switzerland: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Taiwan: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Taiwan: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Taiwan: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Taiwan: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Taiwan: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Thailand: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Thailand: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Thailand: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Turkey: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Turkey: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Turkey: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Turkey: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Turkey: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in the UK: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in the UK: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in the UK: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in the UK: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in the UK: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Ukraine: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Ukraine: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Ukraine: provision rates and program types, 2009 / 2010
  • Retailer payment cards in Uruguay: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Uruguay: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Uruguay: provision rates and program types, 2009 / 2010
  • Retailer payment cards in the USA: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in the USA: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in the USA: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in the USA: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in the USA: card types, operating models, and network and issuer shares, 2009 / 2010
  • Retailer payment cards in Vietnam: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Vietnam: network and issuer shares, 2009 / 2010
  • Proprietary retailer loyalty programs in Vietnam: provision rates and program types, 2009 / 2010
  • Retailer involvement in coalition loyalty programs in Vietnam: provision rates and program types, 2009 / 2010
  • Payment cards linked to coalition loyalty programs in Vietnam: card types, operating models, and network and issuer shares, 2009 / 2010
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