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欧州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

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

発行 Finaccord Ltd. 商品コード 126367
出版日 ページ情報 英文 300 Pages
納期: 即日から翌営業日
価格
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欧州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 Retailer Cards in Europe: Co-Branded, Loyalty and Private Label Programs
出版日: 2010年06月01日 ページ情報: 英文 300 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、欧州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 欧州市場の概要

  • 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3-34章 国別分析

  • オーストリア
  • ベルギー
  • ボスニアヘルツェゴビナ
  • ブルガリア
  • クロアチア
  • チェコ共和国
  • デンマーク
  • エストニア
  • フィンランド
  • フランス
  • ドイツ
  • ギリシャ
  • ハンガリー
  • アイルランド
  • イタリア
  • ラトビア
  • リトアニア
  • オランダ
  • ノルウェー
  • ポーランド
  • ポルトガル
  • ルーマニア
  • ロシア
  • セルビア
  • スロバキア
  • スロベニア
  • スペイン
  • スウェーデン
  • スイス
  • トルコ
  • 英国
  • ウクライナ
    • 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?

Retailer Cards in Europe: Co-Branded, Loyalty and Private Label Programs is a report, based on a survey of 3,175 prominent retail brands in 32 countries, about the provision of payment cards and loyalty programs by major retailers across Europe. Retailer participation in coalition loyalty chemes is also considered. Countries covered are Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Netherlands, Norway, Poland, Portugal, Romania, Russia, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, UK, and Ukraine.

In total, the research identifies over 800 retailer payment cards,1,100 proprietary retailer loyalty programs and 50 coalition loyalty schemes, thereby providing a definitive analysis of retailer cobranded, loyalty and private label programs in Europe 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 3,175 major retail brands in 32 countries across Europe;
  • focus on over 800 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 1,000 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 50 coalition loyalty schemes with which major retail chains have affiliated including AIRMILES, Bonus Card, Deutschland Card, Maximiles, Multipont, Nectar, PAYBACK, Pika, Plussakortti, Supercard, Trumf 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 pan-European 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 European subsidiaries of Barclays, BNP Paribas, Citibank, Credit Agricole, Deutsche Bank, 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 across Europe including the payment cards that have been launched as a result of their popularity.

What are some of the key findings?

  • 1. Six card issuing groups combined operate on an exclusive basis almost one third of retailer co-branded and private label card schemes in Europe
  • 2. Proprietary retailer loyalty programs achieve the highest pan-European penetration among department stores, fuel retailers and health / beauty chains
  • 3. Findomestic, Agos and Fiditalia are collectively responsible for around a half of retailer co-branded and private label card schemes in Italy
  • 4. Key findings from the executive summary include:
    • with respect to the penetration of co-branded and store cards by category of retailer, Finaccord' s research shows that across Europe as a whole, cards achieve the highest penetration among fuel t il (75 9%) retailers 75.9%), department stores (51.5%) and retail chains specializing in computers and electrical products (37.0%);
    • 8.7% of the retailers with co-branded or private label / store card schemes promote cards that are linked to more than one network - 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 marque;
    • the largest competitor in the European market for retailer payment cards is BNP Paribas when measured by the number of exclusive relationships possessed by this group' s wholly-owned and joint venture issuers - collectively, these account for 14.1% of the retailer payment card initiatives identified;
    • as far as the existence of coalition loyalty programs are concerned, the survey ascertained that across all 32 countries in Europe, 466 retailers were found to take part in such schemes, equivalent to a penetration rate of 14.5%.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • 25.4% of major retail brands in Europe have introduced their own payment card program...
  • ... with rates of involvement highest among fuel retailers and department stores
  • In several countries, major retail brands have been active in launching rechargeable pre-paid cards
  • MasterCard and Visa hold a similar share of exclusive relationships for retailer payment cards in Europe
  • BNP Paribas is comfortably the largest competitor in the European market for retailer payment cards
  • Over one third of major retail brands have a proprietary loyalty program up and running
  • Coalition loyalty programs in which retailers are involved exist in 24 of the 32 countries considered
  • A number of factors favour the continuing development of retailer payment cards in Europe
  • The number of active coalition loyalty programs in Europe 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 3,175 major retail brands across 32 European countries
  • 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 EUROPEAN OVERVIEW

  • Introduction
  • Retailer payment cards
  • Portuguese retail chains have been most active in developing payment cards
  • Over a half of major department store chains have introduced their own payment card
  • Most fuel retailers in Europe continue to focus on offering traditional fuel cards only
  • Most retailer payment cards in Europe are credit or deferred debit cards
  • Most retailers operate payment cards either through captive entities or a single, external partner
  • Across Europe as a whole, MasterCard and Visa are similarly influential
  • A minority of retailer cards carry the American Express, Aurore, Diners Club or Maestro brands
  • BNP Paribas is the clear leader in the market for retailer payment cards in Europe...
  • ... followed by Santander, GE Capital, Societe Generale, Credit Agricole and IKANO
  • Captives and joint ventures
  • 338 of the retail brands surveyed possess 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 Ukraine and Austria
  • 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 widespread in Turkey but completely absent in eight countries
  • Cash and carry outlets are the least likely to take part in coalition loyalty schemes
  • Finaccord has identified over 50 coalition loyalty programs in Europe with retailer involvement

3.0 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

4.0 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

5.0 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

6.0 BULGARIA

  • Introduction
  • Retailer payment cards
  • In 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

7.0 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

8.0 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

9.0 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

10.0 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

11.0 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

12.0 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

13.0 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

14.0 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

15.0 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

16.0 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

17.0 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

18.0 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

19.0 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

20.0 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

21.0 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

22.0 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

23.0 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
  • As many as 11 external card issuers compete in Portugal' s retailer payment card market
  • As 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

24.0 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
  • By October 2009, GarantiBank' s Bonus Card scheme had acquired 70,000 individual members
  • In 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

25.0 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

26.0 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

27.0 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

28.0 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
  • At least two external retail brands have linked themselves to Mercator' s Pika loyalty program

29.0 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

30.0 SWEDEN

  • Introduction
  • Retailer payment cards
  • Most retailer payment cards in Sweden are classifiable as credit or deferred debit cards
  • 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

31.0 SWITZERLAND

  • Introduction
  • Retailer payment cards
  • A 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
  • A 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

32.0 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

33.0 UNITED KINGDOM

  • 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

34.0 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

GRAPHICS / TABLES

  • Major retailers covered by the research segmented by category and by country
  • % of major retailers in Europe offering payment cards split by country, 2009 / 2010
  • % of major retailers in Europe offering payment cards split by category of retailer, 2009 / 2010
  • % split of fuel retailers in Europe that have developed co-branded consumer-oriented payment cards in addition to fuel cards, 2009 / 2010
  • % split of payment cards offered by major retailers in Europe by type and country, 2009 / 2010
  • % split of payment cards offered by major retailers in Europe by type and country, 2009 / 2010 (data)
  • % split of payment cards offered by major retailers in Europe by operating model and country, 2009 / 2010
  • % split of payment cards offered by major retailers Europe by operating model and country, 2009 / 2010 (data)
  • % split of payment cards offered by major retailers in Europe by network / marque, 2009 / 2010
  • % split of payment cards offered by major retailers in Europe by network / marque and country, 2009 / 2010
  • % split of payment cards offered by major retailers by network / marque and country in Europe, 2009 / 2010 (data)
  • Influence of issuers owned or controlled by BNP Paribas, Credit Agricole, GE Capital, IKANO, Santander and Societe Generale on payment cards offered by major retailers in Europe, 2009 / 2010
  • Major retailers in Europe with captive or joint venture card issuing arms, 2009 / 2010
  • Major retailers in Europe with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers in Europe with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers in Europe with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers in Europe with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers in Europe with captive or joint venture card issuing arms, 2009 / 2010 (continued)
  • Major retailers in Europe 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 in Europe offering proprietary loyalty programs split by country, 2009 / 2010
  • % of major retailers in Europe offering proprietary loyalty programs split by category of retailer, 2009 / 2010
  • % split of proprietary loyalty programs offered by major retailers in Europe 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 country, 2009 / 2010 (data)
  • % of major retailers in Europe involved in coalition loyalty programs split by country, 2009 / 2010
  • % of major retailers in Europe involved in coalition loyalty programs split by category of retailer, 2009 / 2010
  • Coalition loyalty programs in Europe with at least one major participating retailer, 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
  • 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
  • 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 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 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 Ireland: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Ireland: network and issuer shares, 2009 / 2010
  • 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 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 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 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 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: provision rates, card types and operating models, 2009 / 2010
  • Retailer payment cards in Romania: network and issuer shares, 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 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
  • Retailer payment cards in Slovenia: provision rates, card types and operating models, 2009 / 2010
  • 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 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 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
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