市場調査レポート

世界の小売り業者による消費者金融・バンキング

Global Retailer Consumer Finance and Banking

発行 Finaccord Ltd. 商品コード 310920
出版日 ページ情報 英文 489 Pages
納期: 即日から翌営業日
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世界の小売り業者による消費者金融・バンキング Global Retailer Consumer Finance and Banking
出版日: 2014年07月01日 ページ情報: 英文 489 Pages
概要

当レポートでは、世界60カ国における有名小売りブランドを対象に、大手小売業者による販売時の消費者金融の提供について調査しており、貯蓄預金、個人ローン、不動産・国際送金における小売り業者のイニシアチブに関する調査も含めて提供しています。

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 世界の概要

  • 消費者金融
  • バンキング製品
  • 概要
  • 個人ローン、不動産および普通預金口座

第3章 アルゼンチン

  • イントロダクション
  • 消費者金融
  • バンキング製品

第4章 オーストリア

第5章 オーストラリア

第6章 ベルギー

第7章 ボスニア・ヘルツェゴビナ

第8章 ブラジル

第9章 ブルガリア

第10章 カナダ

第11章 チリ

第12章 中国

第13章 コロンビア

第14章 コスタリカ

第15章 クロアチア

第16章 チェコ共和国

第17章 デンマーク

第18章 エクアドル

第19章 エストニア

第20章 フィンランド

第21章 フランス

第22章 グルジア

第23章 ドイツ

第24章 ギリシャ

第25章 ハンガリー

第26章 インド

第27章 インドネシア

第28章 アイルランド

第29章 イタリア

第30章 日本

第31章 ラトビア

第32章 リトアニア

第33章 マレーシア

第34章 メキシコ

第35章 オランダ

第36章 ニュージーランド

第37章 ノルウェー

第38章 パラグアイ

第39章 ペルー

第40章 フィリピン

第41章 ポーランド

第42章 ポルトガル

第43章 ルーマニア

第44章 ロシア

第45章 セルビア

第46章 シンガポール

第47章 スロバキア

第48章 スロベニア

第49章 南アフリカ

第50章 韓国

第51章 スペイン

第52章 スウェーデン

第53章 スイス

第54章 タイ

第56章 英国

第57章 ウクライナ

第58章 ウルグアイ

第59章 米国

第60章 ベトナム

図表リスト

目次

Global Retailer Consumer Finance and Banking is a report, based on a survey of over 6,000 prominent retail brands in 60 countries, about the provision of consumer finance at the point of sale by major retailers. Retailer initiatives in savings deposits, personal loans, mortgages and international remittances are also considered.

Eight regions covered, and the countries included in each, are as follows:

  • Asia: China, Hong Kong, India, Indonesia, Japan, Malaysia, the Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam;
  • Australasia: Australia, New Zealand;
  • Eastern and South-Eastern Europe: Bosnia-Herzegovina, Bulgaria, Croatia, Georgia, Greece, Romania, Russia, Serbia, Slovenia, Turkey, Ukraine;
  • Latin America: Argentina, Brazil, Chile, Colombia, Costa Rica, Ecuador, Mexico, Paraguay, Peru, Uruguay;
  • North America: Canada, the USA;
  • Northern and Central Europe: Austria, the Czech Republic, Denmark, Estonia, Finland, Germany, Hungary, Latvia, Lithuania, Norway, Poland, Slovakia, Sweden, Switzerland;
  • South Africa: South Africa;
  • Southern and Western Europe: Belgium, France, Ireland, Italy, the Netherlands, Portugal, Spain, the UK.

In total, the research identifies over 1,000 consumer finance schemes and over 400 product initiatives in retailer banking, thereby providing a definitive analysis of retailer consumer finance and banking worldwide that goes far beyond the scope of previous published research.

Moreover, the PartnerBASE™ dataset that accompanies the report details each of the many retailer consumer finance and banking programs traced by Finaccord, specifying the operating models used by retailers and the identities and ultimate holding companies of the ultimate product providers in each case.

Key findings from the executive summary include:

  • of the consumer finance programs found, just over three quarters of them rely entirely upon one or more external partners, with 64.5% based around a single external partner and 11.0% around more than one external partner, while 8.4% employ a captive provider and a further 13.2% of retailers active in this sphere reportedly manage and fund their finance schemes themselves without support from a separate partner, either external or captive;
  • retail brands in the DIY, furniture and home product category are the most likely to offer consumer finance with a provision rate of 41.6%, followed by those in the field of consumer electronics (37.4%) and then by department stores and variety retailers (25.7%);
  • by region, South Africa hosts the major retail brands most likely to offer a general banking product, with a provision rate of 9.2%, followed by Latin America at 6.0% and Northern and Central Europe at 3.2%;
  • 110 major retail brands (or 1.7% of those surveyed) offer international transfer or remittance services with Western Union used as a direct provider in 60 cases and as a joint venture partner in the case of Seven & I's Seven Bank International Money Transfer service.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
    • Rationale arises both from factors specific to consumer finance and banking...
    • ... and from dynamics in the retailing market itself
  • Methodology
  • Survey of retailers
    • The survey's scope covers close to 6,500 major retail brands drawn from ten categories and 60 countries...
    • ... and classified according to their use of offline-only, online-only or mixed distribution models
  • Regions
    • Retailers are divided among eight different regions for the purposes of analysis
  • Definitions
  • Consumer finance and banking
  • Operating models
  • Weighted shares
  • PartnerBASE
  • Finaccord

2.0 GLOBAL OVERVIEW

  • Consumer finance
    • Close to 20% of major retail brands have an arrangement for non-card point-of-sale finance
    • Three quarters of consumer finance programs worldwide are based on the use of external partners
    • At a global level, the supply structure for retailer consumer finance schemes is highly fragmented
    • As a duo, the owners of Bill Me Later and Comenity Bank rank first in the weighted analysis
    • Consumer finance schemes are most widespread among retailers of DIY, furniture and home products...
    • ... with online-only retailers just ahead of those selling both offline and online
    • The highest number of schemes identified are due to the consumer electronics sector
  • Banking products
  • Overview
    • Most retailer banking initiatives are centred on the provision of general-purpose personal loans
  • Personal loans, mortgages and savings accounts
    • South Africa features a particularly high provision rate for banking products marketed via retailers
    • Captive banks account for just over half of the total number of initiatives identified
    • As would be expected, the global supply structure for retailer banking products is highly fragmented
    • Supermarket and hypermarket brands are the most likely to have introduced a retail banking product...
    • ... and they account for nearly a half of the total number of initiatives in evidence in this sphere
    • International payments / remittances
    • International remittance services are offered by comparatively few major retail brands worldwide...
    • ... although where present Western Union is often involved
    • Most initiatives in this arena are concentrated among supermarket and hypermarket brands

3.0 ARGENTINA

  • Introduction
  • Consumer finance
    • Argentina hosts the highest provision rate for point-of-sale finance among major brands in the Americas
    • ... with most initiatives organised via internally-funded schemes or captive finance providers
    • A half of categories surveyed host retail brands with involvement in non-card consumer finance
  • Banking products

Overview Three major retail brands in Argentina offer general-purpose personal loans to their customers... Personal loans, mortgages and savings accounts ... with all utilising external partners in this context International payments / remittances Walmart and its subsidiary Changomas both offer international payment services through Western Union

4.0 AUSTRIA

  • Introduction
  • Consumer finance
  • Over a quarter of major retail brands researched in Austria is active in point-of-sale consumer finance...
    • ...with Santander Consumer Finance by far the most commonly named partner in this realm
    • The provision rate for consumer finance peaks among DIY, furniture and home product retailers
  • Banking products
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

5.0 AUSTRALIA

  • Introduction
  • Consumer finance
    • Retailer provision rates for point-of-sale finance are below those for credit or other payment cards
    • inRent, RentSmart and Flexirent boast the most partnerships as external providers...
    • ... with HSBC assuming greater prominence in weighted terms
    • FlexiGroup incorporates a range of companies involved in providing finance and payment solutions
  • Over a third of retail brands in one category offer point-of-sale finance to customers
  • Banking products
  • Overview
    • Only two major retail brands in Australia offers mainstream banking products to their customers
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

6.0 BELGIUM

  • Introduction
  • Consumer finance
    • Comparatively few major retailers in Belgium have an arrangement for consumer finance...
    • ... with Buy Way Personal Finance and Santander Consumer Finance the most prominent providers
    • Buy Way Personal Finance lays claim to over 300,000 customers in Belgium
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
  • Personal loans, mortgages and savings accounts
    • Mainstream banking activity is limited to one major retail chain
  • International payments / remittances

7.0 BOSNIA-HERZEGOVINA

  • Introduction
  • Consumer finance
    • Point-of-sale finance is limited to a small number of major retailers in Bosnia-Herzegovina
    • ... among which Raiffeisen Bank holds the most partnerships
    • Involvement in this field is concentrated in three retailer categories and two distribution models
  • Banking products
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

8.0 BRAZIL

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are substantially below those found for retailer credit cards
    • No single provider of consumer finance is a clear market leader by number of partnerships
    • Midway Financeira is a substantial player in retailer financial services in Brazil...
    • ...as is LuizaCred, a joint venture between Magazine Luiza and Itaú Unibanco
    • The strength of the partnerships of Caixa Econômica Federal make it the leader after weighting
    • Department stores and variety retailers claim the highest provision rate for consumer finance
  • Banking products
  • Overview
    • Five major retail brands in Brazil offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ... all of which are active in the field of general-purpose personal loans
    • International payments / remittances

9.0 BULGARIA

  • Introduction
  • Consumer finance
    • All consumer finance schemes in Bulgaria are based around use of one or more external providers
    • UniCredit Bulbank is the sector leader whether viewed in unweighted or weighted terms
  • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

10.0 CANADA

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are markedly lower than the average for North and Latin America...
    • ... with only six providers found to be active in this sphere
    • Over 2 million customers have acquired financial services from President's Choice Financial
    • Canadian Tire's entire financial services business secures well over CAD 200 million in gross revenues
    • Ranked second in the weighted analysis, Bill Me Later holds key several partnerships with online retailers
    • Speciality retailers feature the highest provision rate for consumer finance
  • Banking products
  • Overview
    • The distribution of mainstream banking products is limited to two major retailer groups...
  • Personal loans, mortgages and savings accounts
    • ... albeit these encompass as many as 14 separate brands
    • CIBC benefits from its long-standing relationship with President's Choice Financial
  • International payments / remittances
    • As with mainstream banking products, retailers in the Weston group are active in international payments...
    • ...using the Interac e-Transfer service, a relative of Canada's major debit card network
    • Western Union is the other provider used in this field by major retail brands in Canada

11.0 CHILE

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are much lower than those for retailer payment cards...
    • ... with the same captive providers used by retailers where both are offered
    • Banco Paris is the leader in terms of both unweighted and weighted share of partnerships
    • Only three categories host any retail brands with involvement in non-card consumer finance
  • Banking products
  • Overview
    • Ten retail brands in Chile offer general-purpose personal loans to their customers...
  • Personal loans, mortgages and savings accounts
    • ... with the same captive providers involved as for payment cards and consumer finance
  • International payments / remittances
    • Both MoneyGram and Western Union have signed up major Chilean retailers as distributors
    • Falabella's fast-growing bank provides a basis for cross-selling banking products
    • Financial services account for around 3% of Cencosud group's total revenues...
    • ... and also make a very significant contribution to the revenues of the Ripley group

12.0 CHINA

  • Introduction
  • Consumer finance
    • The provision rate among major retailers for point-of-sale finance has tripled since 2010
    • China Merchants Bank emerges as a leader in this field in both unweighted and weighted terms...
    • ... with nine other providers apparent, two of which are classifiable as captives
    • Three categories lack any retail brands with involvement in non-card consumer finance
  • Banking products
  • Overview
    • Half a dozen major retail brands in China offer general-purpose personal loans to their customers...
  • Personal loans, mortgages and savings accounts
    • ... with all six relying upon captive partners in this context
    • China Resources Bank acts as a captive provider for three retail brands belonging to its own parent
  • International payments / remittances
    • Western Union is used as partner by two of the retail chains researched in China

13.0 COLOMBIA

  • Introduction
  • Consumer finance
    • A handful of major retail brands in Colombia have established point-of-sale finance schemes...
    • ... with a variety of operating models in evidence in this context
    • Only four categories host any retail brands with involvement in non-card consumer finance
  • Banking products
  • Overview
    • Major retailers involved in this field are most likely to offer general-purpose personal loans...
  • Personal loans, mortgages and savings accounts
    • ... with captive providers by far the most commonly cited operating model
  • International payments / remittances

14.0 COSTA RICA

  • Introduction
  • Consumer finance
    • Grupo Aval's BAC Credomatic is the most visible partner used for retailer consumer finance
  • Banking products
  • Overview
    • Citibank promotes general-purpose personal loans via department store Aliss
  • International payments / remittances

15.0 CROATIA

  • Introduction
  • Consumer finance
    • Very few major retailers in Croatia have an arrangement for offering consumer finance to customers
  • Banking products
  • Overview
    • Retailer banking initiatives are also scarce...
  • Personal loans, mortgages and savings accounts
    • ... with one initiative found in the area of unsecured personal loans
  • International payments / remittances

16.0 CZECH REPUBLIC

  • Introduction
  • Consumer finance
    • All retailers offering consumer finance in the Czech Republic use one or more external partners...
    • ... with three providers dominant in a field of four
    • Consumer finance programs are concentrated in four retailer categories
  • Banking products
  • Overview
    • Three major retail brands offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ... with unsecured personal loans the focus of all three
  • International payments / remittances

17.0 DENMARK

  • Introduction
  • Consumer finance
    • Just over a quarter of major retailers surveyed supply point-of-sale financing to consumers...
    • ...with a variety of external partners in evidence...
    • ... among which Ekspres Bank is the sector leader in both unweighted and weighted terms
    • Consumer finance schemes are absent in Denmark from four of the ten retailer categories
  • Banking products
  • Overview
    • Only retailers belonging to one group in Denmark offer mainstream banking products...
  • Personal loans, mortgages and savings accounts
    • ... all of which employ the same captive banking partner
  • International payments / remittances

18.0 ECUADOR

  • Introduction
  • Consumer finance
    • A number of retailers offer point-of-sale finance through internally-funded schemes
  • Banking products
    • International payments / remittances

19.0 ESTONIA

  • Introduction
  • Consumer finance
    • Both the number and provision rate of consumer finance schemes in Estonia are low...
    • ... in a market in which Swedbank is the most prominent provider
  • Banking products
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

20.0 FINLAND

  • Introduction
  • Consumer finance
    • Over a third of major retail brands in Finland have an arrangement for consumer finance programs...
    • ...with online finance provider Klarna involved in nearly a half of partnerships...
    • ...and captive bank S-Pankki serving four different members of the S-Ryhmä co-operative
    • Eight of the ten retailer categories feature a provision rate that is higher than 30%
  • Banking products
  • Overview
  • Brands belonging to S-Ryhmä are also active in the provision of mainstream banking products...
  • Personal loans, mortgages and savings accounts
    • ... all of which are based around a shared, captive provider
  • International payments / remittances

21.0 FRANCE

  • Introduction
  • Consumer finance
    • The popularity of retailer payment cards in France reduces the need for stand-alone consumer finance...
    • ... with most retailers active in this area using external partnerships
    • The strength of Cofidis among online retailers makes it the sector leader in weighted terms
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
  • Overview
    • 11 retailer brands in France offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts
    • ... all of which market general-purpose personal loans
    • At a group level, Banque Accord saw steady growth in its key operating metrics during 2012
    • Carrefour has secured over 1.2 million customers with a savings deposit...
    • ... having built up its business steadily in this area over a number of years
    • Banque Casino experienced a change in its shareholder structure in 2011
  • International payments / remittances

22.0 GEORGIA

  • Introduction
  • Consumer finance
    • Multiple partnerships involving up to six different providers are a feature of the consumer finance market...
    • ... with Bank of Georgia and Bank Republic the likely sector leaders
    • Retailers of consumer electronics post the highest provision rate for point-of-sale finance
  • Banking products
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

23.0 GERMANY

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are nearly twice the rate for the whole of Europe...
    • ...with a large number of financial providers active in Germany
    • Following Santander Consumer Bank, Commerz Finanz has the next most partnerships...
    • ...although Hanseatic Bank is active both as an external partner and as a joint venture partner
    • Seven retailers reportedly fund and manage their own consumer finance schemes
    • The duo of Billpay and net-m privatbank 1891 collaborate with a number of online brands
    • The strength of Hanseatic Bank's joint venture partnerships makes it the sector leader in weighted terms
    • Retailers of DIY, furniture and home products feature the highest provision rate for consumer finance
  • Banking products
  • Overview
    • Only three retailer brands in Germany offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ... all of which market general-purpose personal loans
  • International payments / remittances

24.0 GREECE

  • Introduction
  • Consumer finance
    • Economic difficulties mean that few major retail brands are able to offer consumer finance...
    • ... although four external providers remain active in this domain
  • Banking products
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

25.0 HUNGARY

  • Introduction
  • Consumer finance
    • The provision rate for consumer finance in Hungary is almost exactly that for Europe as a whole
    • Cetelem and Budapest Bank have established the most retailer partnerships for consumer finance...
    • ...with Budapest Bank holding the highest share of partnerships when considered in weighted terms
    • Consumer finance programs in Hungary are concentrated in four retailer categories
  • Banking products
  • Overview
    • A comparatively high proportion of major retail chains offer international remittance services
  • Personal loans, mortgages and savings accounts
    • Tesco utilises two external providers for its retailer banking products in Hungary
    • International payments / remittances
    • A local Hungarian partner of Western Union serves as an intermediary for international remittances

26.0 INDIA

  • Introduction
  • Consumer finance
    • Major retailers in India are less likely to offer point-of-sale finance than co-branded credit cards
    • Bajaj Finserv is easily the most significant provider of point-of-sale finance in the retail sector...
    • ... and its share of partnerships is even higher when viewed in weighted terms
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
  • Overview
    • A small number of major retail chains offer international remittance services through Western Union
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

27.0 INDONESIA

  • Introduction
  • Consumer finance
  • Banking products
  • Overview
    • Hypermart has introduced a savings account in partnership with CIMB Niaga...
  • Personal loans, mortgages and savings products
  • International payments / remittances
    • ... and Indomaret promotes an international remittance services with Western Union

28.0 IRELAND

  • Introduction
  • Consumer finance
    • Very few major Irish retailers have a scheme in place for point-of-sale finance...
    • ... with all activity focused on just two retailer categories
  • Banking products
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

29.0 ITALY

  • Introduction
  • Consumer finance
    • Consumer finance programs are overwhelmingly organised through one or more external partners...
    • ... among which three providers account for the vast majority of relationships
    • In both unweighted and weighted terms, Agos Ducato has a commanding share of partnerships
  • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
  • Overview
    • Only three retailer brands in Italy offer any type of banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ... two of which market general-purpose personal loans
  • International payments / remittances
    • Mercatone Uno is the one retail brand with an arrangement in this arena

30.0 JAPAN

  • Introduction
  • Consumer finance
    • Japanese retailers are much less likely to offer point-of-sale consumer finance than payment cards
    • JACCS is the dominant partner used in this domain...
    • ... in which only four other competitors are apparent...
    • ... namely AEON Credit Service, Cedyna, Credit Saison and Orico
    • Seven categories host retail brands with arrangements for non-card consumer finance
  • Banking products
  • Overview
    • As many as 11 major retail brands in Japan make savings accounts available to their customers...
  • Personal loans, mortgages and savings accounts
    • ... with some of the same captive providers involved as for payment cards and consumer finance
    • Both Rakuten Bank and Seven Bank are substantial captive banking businesses
    • Provision of mainstream banking products is concentrated mainly in two retailer categories
  • International payments / remittances
    • Seven Bank International Money Transfer is a joint venture of Seven & I with Western Union
    • Rakuten Bank launched its own international remittance service in 2013

31.0 LATVIA

  • Introduction
  • Consumer finance
    • Very few major retail brands in Latvia provide point-of-sale finance to their customers...
    • ... although as many as four different providers are available if needed
  • Banking products
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

32.0 LITHUANIA

  • Introduction
  • Consumer finance
    • All major retailers offering consumer finance utilise Ukio Banko Lizingas as a partner...
    • ... although several work with one or more other providers...
    • ... among which General Financing is most prominent
  • Banking products
  • Overview
    • Two retailer brands in Lithuania offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ... with both focused on general-purpose personal loans
  • International payments / remittances

33.0 MALAYSIA

  • Introduction
  • Consumer finance
    • Relatively few major retail brands have made an arrangement for non-card point-of-sale finance...
    • ... albeit AEON Credit Service works with several important partners in this arena
    • Those consumer finance schemes that exist are concentrated in three retailer categories
  • Banking products
  • Overview
    • The concept of retailer banking has not yet taken off to any significant degree in Malaysia
  • Personal loans, mortgages and savings products
  • International payments / remittances

34.0 MEXICO

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are above the regional average...
    • ... with most retailers relying upon captive partners or internally sourced provision...
    • ... while a government-backed finance scheme is also a notable player in this field
    • Banco Walmart is comfortably the most prominent provider of consumer finance in weighted terms
    • Schemes for consumer finance are largely concentrated in two retailer categories
  • Banking products
  • Overview
    • Ten major retail brands in Mexico offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ... with almost all marketing savings accounts but none mortgages
    • Banco Azteca has expanded its distribution reach to more than 1,400 branches since launch...
    • ... helping both consumer loans outstanding and pre-tax profits to surge in recent years
    • BanCoppel has also experienced a rapid increase in both its loan book and profitability...
    • ... although the progress made by Banco Famsa has been slightly less eye-catching...
    • ... and Banco Walmart remains loss-making despite strong growth in consumer loans
    • The four captive banks outgun Banamex in the analyses of provider partnerships
  • International payments / remittances
    • Both MoneyGram and Western Union have signed up important Mexican retailers as distributors...
    • ... while two retail brands have established their own services in this domain

35.0 NETHERLANDS

  • Introduction
  • Consumer finance
    • Santander Consumer Finance is by far the most frequently named external partner for consumer finance...
    • ... whether analysed on an unweighted or weighted basis
    • Retailers of DIY, furniture and home products feature the highest provision rate for consumer finance
  • Banking products
  • Overview
    • Mainstream banking products are offered by three major retailers in the Netherlands...
  • Personal loans, mortgages and savings accounts
    • ... with initiatives traced in both unsecured personal loans and savings accounts
  • International payments / remittances

36.0 NEW ZEALAND

  • Introduction
  • Consumer finance
    • Point-of-sale finance is quite commonly available from major retail chains in New Zealand
    • ... with five non-internal providers apparent in this field
    • The Warehouse Group plans an expansion of its in-house financial services capabilities with a new captive
  • Banking products

37.0 NORWAY

  • Introduction
  • Consumer finance
    • Online payment and finance provider Klarna has secured the most relationships for consumer finance...
    • ... albeit eight other non-captive, non-internal providers are also involved in this market
    • Only minor changes occur when partnerships are viewed in weighted terms
    • Klarna's influence boosts the consumer finance provision rate among online-only retailers
  • Banking products
  • Overview
    • Involvement in retailer banking is limited to just one major Norwegian retailer...
  • Personal loans, mortgages and savings accounts
    • ... by means of a link with a lender that was formerly a captive company
  • International payments / remittances

38.0 PARAGUAY

  • Introduction
  • Consumer finance
    • One in five major retailers in Paraguay offer point-of-sale personal finance to their customers
  • Banking products
  • International payments / remittances

39.0 PERU

  • Introduction
  • Consumer finance
    • The popularity of retailer payment cards depresses the need for non-card point-of-sale finance...
    • ... which explains why only one external partner is involved in it
  • Banking products
  • Overview
    • Seven retail brands in Peru offer both personal loans and savings accounts to their customers...
  • Personal loans, mortgages and savings accounts
    • ... with all seven using captive banks in this context
  • International payments / remittances

40.0 PHILIPPINES

  • Introduction
  • Consumer finance
    • Handyman offers point-of-sale finance to its customers but funds this on an internal basis
  • Banking products
  • Overview
    • All activity in this sphere is focused on international remittances...
  • Personal loans, mortgages and savings accounts
  • International payments / remittances
    • ... with four retail brands having introduced this type of service

41.0 POLAND

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance in Poland run at double the rate for the rest of Europe...
    • ... with five main providers active in this arena
    • Santander added online finance firm Zagiel to its stable in 2012
    • Alior Bank's loan book is expanding rapidly
    • Sygma Bank lays claim to the most partnerships with retailers for consumer finance in Poland
    • Retailers in the DIY, furniture and home sector display the highest provision rates in Poland
  • Banking products
  • Overview
    • Six retailer brands in Poland offer general-purpose personal loans to their customers...
  • Personal loans, mortgages and savings accounts
    • ... with five different providers apparent in this field
  • International payments / remittances

42.0 PORTUGAL

  • Introduction
  • Consumer finance
    • The large number of retailer payment card schemes in Portugal reduces appetite for consumer finance...
    • ... with the result that comparatively few external partners are competing in this field
    • Oney and Cetelem are the two sector leaders in both the unweighted and weighted analyses
    • Consumer finance schemes are focused on five retailer categories
  • Banking products
  • Overview
    • Retailer banking activity is limited to just one major Portuguese retailer
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

43.0 ROMANIA

  • Introduction
  • Consumer finance
    • Five providers vie for mandates with major retail brands in Romania...
    • ... with UniCredit Tiriac enjoying a slim lead over BRD Finance in terms of partnership share
    • Three of the ten retailer categories feature consumer finance programs
  • Banking products
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

44.0 RUSSIA

  • Introduction
  • Consumer finance
    • Close to 20% of major retail brands in Russia operate schemes for point-of-sale finance
    • The use of multiple providers of consumer finance produces a fairly fragmented supply structure...
    • ... albeit Alfa-Bank emerges as the leader in both unweighted and weighted terms...
    • ... followed by Russian Standard Bank
    • Three retailer categories feature provision rates for consumer finance of 50% or more
  • Banking products
  • Overview
    • Few retailer brands in Russia offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ... with both a traditional captive bank as well as short-term lenders active in the market
  • International payments / remittances
    • Zolotaya Korona is used by all three retailers offering international remittances

45.0 SERBIA

  • Introduction
  • Consumer finance
    • Internally-funded consumer finance schemes are in the majority among Serbian retail brands
    • Raiffeisen Bank is the only external provider named by more than one major retailer...
    • ... making it the sector leader whether viewed on an unweighted or weighted basis
    • Four out of ten retailer categories host consumer finance programs
  • Banking products
  • Overview
    • Only one retailer brand in Serbia offers mainstream banking products to its customers...
  • Personal loans, mortgages and savings accounts
    • ... with Raiffeisen Bank again the partner used in this context
  • International payments / remittances

46.0 SINGAPORE

  • Introduction
  • Consumer finance
    • Two retail brands in Singapore offer point-of-sale finance with both funding this themselves
  • Banking products
  • Overview
    • The collaboration of NTUC FairPrice with OCBC extends to a savings account
    • OCBC has strengthened its ties with NTUC through a number of shared initiatives
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

47.0 SLOVAKIA

  • Introduction
  • Consumer finance
    • Cetelem claims the most partnerships with major retail brands in the Slovak consumer finance market...
    • ... in which only two other competitors are apparent
    • The highest provision rate for consumer finance is recorded by retailers of DIY, furniture and home products
  • Banking products
  • Overview
    • IKEA, Metro and Tesco all promote general-purpose personal loans in Slovakia...
  • Personal loans, mortgages and savings accounts
    • ... each using a different partner for this purpose
  • International payments / remittances

48.0 SLOVENIA

  • Introduction
  • Consumer finance
    • The provision rate among major retailers in Slovenia is below the wider European average...
    • ... albeit at least six providers of consumer finance are active in this country
    • Schemes for point-of-sale finance are concentrated in three retailer categories
  • Banking products
  • Overview
    • Just one retailer banking initiative is apparent in Slovenia...
  • Personal loans, mortgages and savings accounts
    • ... with SKB Banka used as the product partner
  • International payments / remittances

49.0 SOUTH AFRICA

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are equivalent to those for retailer payment cards
    • Maravedi Financial Solutions and African Bank hold the most partnerships as captive providers
    • ...while use of multiple external partners produces a fairly fragmented supply structure
    • Mobicred claims the highest share of partnerships when viewed in weighted terms
    • Retailers of DIY, furniture and home products feature the highest provision rate for consumer finance
  • Banking products
  • Overview
    • 20 retailer brands in South Africa offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ...most of which market general-purpose personal loans
    • ... and with Maravedi Financial Solutions again prominent in this context
  • International payments / remittances
    • In this domain, EasyPay has established the most partnerships with major retail brands

50.0 SOUTH KOREA

  • Introduction
  • Consumer finance
  • Banking products
  • Overview
    • Homeplus is co-operating with KISB for general-purpose personal loans
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

51.0 SPAIN

  • Introduction
  • Consumer finance
    • The popularity of retailer payment cards may reduce the need for stand-alone consumer finance
    • Santander, Cetelem and Cofidis are all involved in roughly the same number of programs...
    • ...with Cetelem showing only a very slight advantage in weighted terms
  • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
  • Overview
    • Only two retailer brands in Spain offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ... both of which involve the distribution of general-purpose personal loans
  • International payments / remittances

52.0 SWEDEN

  • Introduction
  • Consumer finance
    • A higher proportion of major retailers offer consumer finance in Sweden than in any other European country
    • Klarna is the most commonly named provider of consumer finance by a substantial margin...
    • ... although there are at least eight other firms competing for retailer mandates
    • When viewed in weighted terms, Klarna remains dominant albeit to a slightly lesser degree
    • Retailers selling through a mixed or online-only model are significantly more likely to offer financing
  • Banking products
  • Overview
    • Eight different retail brands in Sweden offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ...with three different captive partners utilised for this purpose
    • ICA Banken has grown both assets and profitability at a consistent rate in recent years
    • Across all of its operations, IKANO Bank has around 500,000 customers with a non-card loan product
  • International payments / remittances
    • One major retail chain is active in the market for international remittances

53.0 SWITZERLAND

  • Introduction
  • Consumer finance
    • Switzerland is characterised by its preference for internally-funded consumer finance programs...
    • ... with only one non-captive provider in evidence
    • Consumer finance is most often available from retailers of DIY, furniture and home products
  • Banking products
  • Overview
    • Five retailer brands in Switzerland offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ... with three of these using banks classified as captive partners
  • International payments / remittances
    • Moneygram has secured two partnerships among major retailers researched in Switzerland

54.0 THAILAND

  • Introduction
  • Consumer finance
    • Krungsri is the only provider of point-of-sale finance active among major retailers in Thailand...
    • ... having become a part of Mitsubishi UFJ Financial Group in 2013
  • Banking products
    • 55.0 TURKEY
  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are notably low in Turkey...
    • ... with many of the small number of active retailers opting to manage their programs internally
    • External providers of consumer finance include BankPozitif, Garanti Bank, KoçFinans and KrediVer...
    • ... with the latter firm holding the highest share of partnerships in both unweighted and weighted terms
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
    • Migros has tied with ING Bank to promote general-purpose unsecured personal loans

56.0 UK

  • Introduction
  • Consumer finance
    • Retailer provision rates for point-of-sale finance are roughly equal to the provision rate for all of Europe
    • Hitachi Capital and Barclays Consumer Finance boast the most partnerships as external providers...
    • ... and relatively few retail brands manage consumer finance schemes on a captive or internal basis
    • Viewed in weighted terms, Shop Direct Finance Company assumes greater prominence
    • Barclays Partner Finance and Hitachi Capital (UK) have both experienced rising profitability...
    • ...as has the UK-based branch of the LaSer Group...
    • ...while Shop Direct Finance Company has continued to experience difficulty amid reorganisation
    • Almost two thirds of retail brands in one category offer point-of-sale finance to customers
  • Banking products
  • Overview
    • 12 retailer brands in the UK offer mainstream banking products to their customers...
  • Personal loans, mortgages and savings accounts
    • ... all of which market general-purpose personal loans
    • M&S Bank was re-launched in 2012 as an expansion of M&S Money
    • Sainsbury's assumed full ownership of Sainsbury's Bank in May 2013...
    • ... having posted higher profits in its final year as a joint venture...
    • Tesco Bank posted a trading profit of GBP 191 million for the year ending February 2013
  • International payments / remittances

57.0 UKRAINE

  • Introduction
  • Consumer finance
    • Alfa-Bank is used as a partner for consumer finance by five major retail chains in Ukraine...
    • ... making it the sector leader in both unweighted and weighted terms
    • All major retailers of consumer electronics have arrangements for consumer finance
  • Banking products
  • Overview
    • Metro is the only retailer surveyed in Ukraine to offer mainstream banking products to its customers...
  • Personal loans, mortgages and savings accounts
    • ... utilising two partner organisations for this purpose
  • International payments / remittances

58.0 URUGUAY

  • Introduction
  • Consumer finance
    • State-owned BROU has a partnership in this field with fuel distributor ANCAP
  • Banking products
  • International payments / remittances

59.0 USA

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are markedly lower those for retailer payment cards...
    • ... with PayPal's Bill Me Later service by far the largest provider in this domain...
    • ...and with a small number of other finance providers making up the rest of the market
    • Comenity Bank, a major US retail payment card issuer, funds Bill Me Later's consumer lending
    • Ranked second in the weighted analysis, WhyNotLeaseIt holds several important partnerships
    • The consumer electronics sector features the highest provision rate for consumer finance
  • Banking products
  • Overview
    • Over 20 major retailers have an arrangement in the field of international remittances...
  • Personal loans, mortgages and savings accounts
    • ... but relatively few distribute mainstream banking products
    • Walmart's Bluebird joint venture with American Express now functions as a deposit-taking bank
  • International payments / remittances
    • Both MoneyGram and Western Union have secured multiple major retail brands as distributors...
    • ...while department store Curacao operates its own captive international remittance service

60.0 VIETNAM

  • Introduction
  • Consumer finance
    • Relatively few major retail brands have set up a scheme for point-of-sale finance
    • HDFinance and PPF Vietnam are the two visible external providers in this arena
  • Banking products
  • Overview
    • Petrolimex has introduced an international remittance service with PG Bank
  • Personal loans, mortgages and savings accounts
  • International payments / remittances
    • 61.0 APPENDIX
  • Major captives and joint ventures
    • 116 captive or joint venture providers of retailer consumer finance and banking are active worldwide

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Retailers researched worldwide, segmented by category, region and distribution model, 2013 / 2014

2.0 GLOBAL OVERVIEW

  • Retailer consumer finance worldwide: provision rate by region, 2013 / 2014
  • Retailer consumer finance worldwide: provision rate and operating models, 2013 / 2014
  • Retailer consumer finance worldwide: operating models by region, 2013 / 2014
  • Retailer consumer finance worldwide: operating models by region, 2013 / 2014 (table)
  • Retailer consumer finance worldwide: unweighted and weighted issuer share of partnerships, 2013 / 2014
  • Retailer consumer finance worldwide: provision rate by retailer category and distribution model, 2013 / 2014
  • Retailer banking worldwide: provision rate by product type, 2013 / 2014
  • Retailer personal loans, mortgages and savings accounts worldwide: provision rate by region, 2013 / 2014
  • Retailer personal loans, mortgages and savings accounts worldwide: provision rate and operating models, 2013 / 2014
  • Retailer personal loans, mortgages and savings accounts worldwide: operating models by region, 2013 / 2014
  • Retailer personal loans, mortgages and savings accounts worldwide: operating models by region, 2013 / 2014 (table)
  • Retailer personal loans, mortgages and savings accounts worldwide: unweighted and weighted provider share of partnerships, 2013 / 2014
  • Retailer personal loans, mortgages and savings accounts worldwide: provision rate by retailer category and distribution model, 2013 / 2014
  • Retailer international payments / remittances worldwide: provision rate by region, 2013 / 2014
  • Retailer international payments / remittances worldwide: provision rate and operating models, 2013 / 2014
  • Retailer international payments / remittances worldwide: operating models by region, 2013 / 2014
  • Retailer international payments / remittances worldwide: operating models by region, 2013 / 2014
  • Retailer international payments / remittances worldwide: unweighted and weighted issuer share of partnerships, 2013 / 2014
  • Retailer international payments / remittances worldwide: provision rate by retailer category and distribution model, 2013 / 2014

3.0 ARGENTINA

  • Retailer consumer finance in Argentina: provision rate and operating models, 2014
  • Retailer consumer finance in Argentina: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Argentina, 2014
  • Retailer provision of other banking products and services in Argentina, 2014
  • Retailer personal loans, mortgages and savings accounts in Argentina: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Argentina: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Argentina, 2014
  • Retailer international payments / remittances in Argentina: provision and operating models, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Argentina, 2014
  • Provision of retailer international payments / remittances worldwide by retailer category and distribution model, 2013 / 2014

4.0 AUSTRIA

  • Retailer consumer finance in Austria: provision rate and operating models, 2013
  • Retailer consumer finance in Austria: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Austria, 2013

5.0 AUSTRALIA

  • Retailer consumer finance in Australia: provision rate and operating models, 2013
  • Retailer consumer finance in Australia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Australia, 2013
  • Retailer provision of other banking products and services in Australia, 2013
  • Retailer personal loans, mortgages and savings accounts in Australia: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Australia: provider share of partnerships, 2014
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Australia, 2014
  • Retailer international payments / remittances in Australia: provision rate and operating models, 2014
  • Provision of retailer international payments / remittances by retailer category and distribution model in Australia, 2014

6.0 BELGIUM

  • Retailer consumer finance in Belgium: provision rate and operating models, 2013
  • Retailer consumer finance in Belgium: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Belgium, 2013
  • Retailer personal loans, mortgages and savings accounts in Belgium: provision and operating models, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Belgium, 2013

7.0 BOSNIA-HERZEGOVINA

  • Retailer consumer finance in Bosnia-Herzegovina: provision rate and operating models, 2013
  • Retailer consumer finance in Bosnia-Herzegovina: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Bosnia-Herzegovina, 2013

8.0 BRAZIL

  • Retailer consumer finance in Brazil: provision rate and operating models, 2014
  • Retailer consumer finance in Brazil: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Brazil, 2014
  • Retailer provision of other banking products and services in Brazil, 2014
  • Retailer personal loans, mortgages and savings accounts in Brazil: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Brazil: unweighted and weighted provider share of partnerships, 2014

9.0 BULGARIA

  • Retailer consumer finance in Bulgaria: provision rate and operating models, 2013
  • Retailer consumer finance in Bulgaria: unweighted and weighted provider share of partnerships, 2013

10.0 CANADA

  • Retailer consumer finance in Canada: provision rate and operating models, 2014
  • Retailer consumer finance in Canada: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Canada, 2014
  • Retailer provision of other banking products and services in Canada, 2014
  • Retailer personal loans, mortgages and savings accounts in Canada: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Canada: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Canada, 2014
  • Retailer international payments / remittances in Canada: provision and operating models, 2014
  • Retailer international payments / remittances in Canada: unweighted and weighted provider share of partnerships, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Canada, 2014

11.0 CHILE

  • Retailer consumer finance in Chile: provision rate and operating models, 2014
  • Retailer consumer finance in Chile: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Chile, 2014
  • Retailer provision of other banking products and services in Chile, 2014
  • Retailer personal loans, mortgages and savings accounts in Chile: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Chile: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Chile, 2014
  • Retailer international payments / remittances in Chile: provision and operating models, 2014
  • Retailer international payments / remittances in Chile: unweighted and weighted provider share of partnerships, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Chile, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Bulgaria, 2013

12.0 CHINA

  • Retailer consumer finance in China: provision rate and operating models, 2014
  • Retailer consumer finance in China: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in China, 2014
  • Retailer provision of other banking products and services in China, 2014
  • Retailer personal loans, mortgages and savings accounts in China: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in China: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in China, 2014
  • Retailer international payments / remittances in China: provision and operating models, 2014

13.0 COLOMBIA

  • Retailer consumer finance in Colombia: provision rate and operating models, 2014
  • Retailer consumer finance in Colombia: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Colombia, 2014
  • Retailer provision of other banking products and services in Colombia, 2014
  • Retailer personal loans, mortgages and savings accounts in Colombia: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Colombia: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Colombia, 2014

14.0 COSTA RICA

  • Retailer consumer finance in Costa Rica: provision rate and operating models, 2014
  • Retailer consumer finance in Costa Rica: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Costa Rica, 2014
  • Retailer provision of other banking products and services in Costa Rica, 2014
  • Retailer personal loans, mortgages and savings accounts in Costa Rica: provision and operating models, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Costa Rica, 2014
  • Provision of international payments / remittances by retailer category and distribution model in China, 2014

15.0 CROATIA

  • Retailer consumer finance in Croatia: provision rate and operating models, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Croatia, 2013
  • Retailer provision of other banking products and services in Croatia, 2013
  • Retailer personal loans, mortgages and savings accounts in Croatia: provision and operating models, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Europe, 2013

16.0 CZECH REPUBLIC

  • Retailer consumer finance in the Czech Republic: provision rate and operating models, 2013
  • Retailer consumer finance in the Czech Republic: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in the Czech Republic, 2013
  • Retailer provision of other banking products and services in the Czech Republic, 2013
  • Retailer personal loans, mortgages and savings accounts in the Czech Republic: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in the Czech Republic: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in the Czech Republic, 2013

17.0 DENMARK

  • Retailer consumer finance in Denmark: provision rate and operating models, 2013
  • Retailer consumer finance in Denmark: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Denmark, 2013
  • Retailer provision of other banking products and services in Denmark, 2013
  • Retailer personal loans, mortgages and savings accounts in Denmark: provision and operating models, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Denmark, 2013

18.0 ECUADOR

  • Retailer consumer finance in Ecuador: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Ecuador, 2014

19.0 ESTONIA

  • Retailer consumer finance in Estonia: provision rate and operating models, 2013
  • Retailer consumer finance in Estonia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Estonia, 2013

20.0 FINLAND

  • Retailer consumer finance in Finland: provision rate and operating models, 2013
  • Retailer consumer finance in Finland: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Finland, 2013
  • Retailer provision of other banking products and services in Finland, 2013
  • Retailer personal loans, mortgages and savings accounts in Finland: provision and operating models, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Finland, 2013

21.0 FRANCE

  • Retailer consumer finance in France: provision rate and operating models, 2013
  • Retailer consumer finance in France: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in France, 2013
  • Retailer provision of other banking products and services in France, 2013
  • Retailer personal loans, mortgages and savings accounts in France: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in France: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in France, 2013

22.0 GEORGIA

  • Retailer consumer finance in Georgia: provision rate and operating models, 2013
  • Retailer consumer finance in Georgia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Georgia, 2013

23.0 GERMANY

  • Retailer consumer finance in Germany: provision rate and operating models, 2013
  • Retailer consumer finance in Germany: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Germany, 2013
  • Retailer provision of other banking products and services in Germany, 2013
  • Retailer personal loans, mortgages and savings accounts in Germany: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Germany: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Germany, 2013

24.0 GREECE

  • Retailer consumer finance in Greece: provision rate and operating models, 2013
  • Retailer consumer finance in Greece: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Greece, 2013

25.0 HUNGARY

  • Retailer consumer finance in Hungary: provision rate and operating models, 2013
  • Retailer consumer finance in Hungary: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Hungary, 2013
  • Retailer provision of other banking products and services in Hungary, 2013
  • Retailer personal loans, mortgages and savings accounts in Hungary: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Hungary: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Hungary, 2013
  • Retailer international payments / remittances in Europe: provision and operating models, 2013
  • Provision of international payment / remittance services by retailer category and distribution model in Hungary, 2013

26.0 INDIA

  • Retailer consumer finance in India: provision rate and operating models, 2014
  • Retailer consumer finance in India: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in India, 2014
  • Retailer provision of other banking products and services in India, 2014
  • Retailer international payments / remittances in India: provision rate and operating models, 2014
  • Provision of international payments / remittances by retailer category and distribution model in India, 2014

27.0 INDONESIA

  • Retailer provision of other banking products and services in Indonesia, 2014
  • Retailer personal loans, mortgages and savings accounts in Indonesia: provision and operating models, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Indionesia, 2014
  • Retailer international payments / remittances in Indonesia: provision and operating models, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Indonesia, 2014

28.0 IRELAND

  • Retailer consumer finance in Ireland: provision rate and operating models, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Ireland, 2013

29.0 ITALY

  • Retailer consumer finance in Italy: provision rate and operating models, 2013
  • Retailer consumer finance in Italy: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Italy, 2013
  • Retailer provision of other banking products and services in Italy, 2013
  • Retailer personal loans, mortgages and savings accounts in Italy: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Italy: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Italy, 2013
  • Retailer international payments / remittances in Italy: provision rate and operating models, 2013
  • Provision of international payments / remittances by retailer category and distribution model in Italy, 2013

30.0 JAPAN

  • Retailer consumer finance in Japan: provision rate and operating models, 2014
  • Retailer consumer finance in Japan: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Japan, 2014
  • Retailer provision of other banking products and services in Japan, 2014
  • Retailer personal loans, mortgages and savings accounts in Japan: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Japan: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Japan, 2014
  • Retailer international payments / remittances in Japan: provision and operating models, 2014
  • Retailer international payments / remittances in Japan: unweighted and weighted provider share of partnerships, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Japan, 2014

31.0 LATVIA

  • Retailer consumer finance in Latvia: provision rate and operating models, 2013
  • Retailer consumer finance in Latvia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Latvia, 2013

32.0 LITHUANIA

  • Retailer consumer finance in Lithuania: provision rate and operating models, 2013
  • Retailer consumer finance in Lithuania: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Lithuania, 2013
  • Retailer provision of other banking products and services in Lithuania, 2013
  • Retailer personal loans, mortgages and savings accounts in Lithuania: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Lithuania: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Lithuania, 2013

33.0 MALAYSIA

  • Retailer consumer finance in Malaysia: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Malaysia, 2014
  • Retailer provision of other banking products and services in Malaysia, 2014
  • Retailer personal loans, mortgages and savings accounts in Malaysia: provision rate and operating models, 2014
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Malaysia, 2014

34.0 MEXICO

  • Retailer consumer finance in Mexico: provision rate and operating models, 2014
  • Retailer consumer finance in Mexico: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Mexico, 2014
  • Retailer provision of other banking products and services in Mexico, 2014
  • Retailer personal loans, mortgages and savings accounts in Mexico: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Mexico: unweighted and weighted provider share of partnerships, 2014
  • Retailer international payments / remittances in Mexico: provision and operating models, 2014
  • Retailer international payments / remittances in Mexico: unweighted and weighted provider share of partnerships, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Mexico, 2014

35.0 NETHERLANDS

  • Retailer consumer finance in the Netherlands: provision rate and operating models, 2013
  • Retailer consumer finance in the Netherlands: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in the Netherlands, 2013
  • Retailer provision of other banking products and services in the Netherlands, 2013
  • Retailer personal loans, mortgages and savings accounts in the Netherlands: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in the Netherlands: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in the Netherlands, 2013

36.0 NEW ZEALAND

  • Retailer consumer finance in New Zealand: provision rate and operating models, 2014
  • Retailer consumer finance in New Zealand: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in New Zealand, 2014

37.0 NORWAY

  • Retailer consumer finance in Norway: provision rate and operating models, 2013
  • Retailer consumer finance in Norway: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Norway, 2013
  • Retailer provision of other banking products and services in Norway, 2013
  • Retailer personal loans, mortgages and savings accounts in Norway: provision and operating models, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Norway, 2013

38.0 PARAGUAY

  • Retailer consumer finance in Paraguay: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Paraguay, 2014

39.0 PERU

  • Retailer consumer finance in Peru: provision rate and operating models, 2014
  • Retailer consumer finance in Peru: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Peru, 2014
  • Retailer provision of other banking products and services in Peru, 2014
  • Retailer personal loans, mortgages and savings accounts in Peru: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Peru: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Peru, 2014

40.0 PHILIPPINES

  • Retailer consumer finance in the Philippines: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in the Philippines, 2014
  • Retailer provision of other banking products and services in the Philippines, 2014
  • Retailer international payments / remittances in the Philippines: provision and operating models, 2014
  • Retailer international payments / remittances in the Philippines: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer international payments / remittances by retailer category and distribution model in the Philippines, 2014

41.0 POLAND

  • Retailer consumer finance in Poland: provision rate and operating models, 2013
  • Retailer consumer finance in Poland: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Poland, 2013
  • Retailer provision of other banking products and services in Poland, 2013
  • Retailer personal loans, mortgages and savings accounts in Poland: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Poland: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Poland, 2013

42.0 PORTUGAL

  • Retailer consumer finance in Portugal: provision rate and operating models, 2013
  • Retailer consumer finance in Portugal: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Portugal, 2013
  • Retailer provision of other banking products and services in Portugal, 2013
  • Retailer international payments / remittances in Portugal: provision and operating models, 2013
  • Provision of international payments / remittances by retailer category and distribution model in Portugal, 2013

43.0 ROMANIA

  • Retailer consumer finance in Romania: provision rate and operating models, 2013
  • Retailer consumer finance in Romania: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Romania, 2013

44.0 RUSSIA

  • Retailer consumer finance in Russia: provision rate and operating models, 2013
  • Retailer consumer finance in Russia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Russia, 2013
  • Retailer provision of other banking products and services in Russia, 2013
  • Retailer personal loans, mortgages and savings accounts in Russia: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Russia: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Russia, 2013
  • Retailer international payments / remittances in Russia: provision and operating models, 2013
  • Retailer international payments / remittances in Russia: unweighted and weighted provider share of partnerships, 2013

45.0 SERBIA

  • Retailer consumer finance in Serbia: provision rate and operating models, 2013
  • Retailer consumer finance in Serbia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Serbia, 2013
  • Retailer provision of other banking products and services in Serbia, 2013
  • Retailer personal loans, mortgages and savings accounts in Serbia: provision and operating models, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Serbia, 2013

46.0 SINGAPORE

  • Retailer consumer finance in Singapore: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Singapore, 2014
  • Retailer provision of other banking products and services in Singapore, 2014
  • Retailer banking products in Singapore: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Singapore, 2014

47.0 SLOVAKIA

  • Retailer consumer finance in Slovakia: provision rate and operating models, 2013
  • Retailer consumer finance in Slovakia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Slovakia, 2013
  • Retailer provision of other banking products and services in Slovakia, 2013
  • Retailer personal loans, mortgages and savings accounts in Slovakia: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Slovakia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Slovakia, 2013

48.0 SLOVENIA

  • Retailer consumer finance in Slovenia: provision rate and operating models, 2013
  • Retailer consumer finance in Slovenia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Slovenia, 2013
  • Retailer provision of other banking products and services in Slovenia, 2013
  • Retailer personal loans, mortgages and savings accounts in Slovenia: provision and operating models, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Slovenia, 2013

49.0 SOUTH AFRICA

  • Retailer consumer finance in South Africa: provision rate and operating models, 2013
  • Retailer consumer finance in South Africa: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in South Africa, 2013
  • Retailer provision of other banking products and services in South Africa, 2013
  • Retailer personal loans, mortgages and savings accounts in South Africa: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in South Africa: unweighted and weighted provider share of partnerships, 2013

50.0 SOUTH KOREA

  • Retailer provision of other banking products and services in South Korea, 2014
  • Retailer personal loans, mortgages and savings accounts in South Korea: provision rate and operating models, 2014

51.0 SPAIN

  • Retailer consumer finance in Spain: provision rate and operating models, 2013
  • Retailer consumer finance in Spain: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Spain, 2013
  • Retailer provision of other banking products and services in Spain, 2013
  • Retailer personal loans, mortgages and savings accounts in Spain: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Spain: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Spain, 2013

52.0 SWEDEN

  • Retailer consumer finance in Sweden: provision rate and operating models, 2013
  • Retailer consumer finance in Sweden: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Sweden, 2013
  • Retailer provision of other banking products and services in Sweden, 2013
  • Retailer personal loans, mortgages and savings accounts in Sweden: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Sweden: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Sweden, 2013
  • Retailer international payments / remittances in Sweden: provision and operating models, 2013
  • Provision of international payments / remittances by retailer category and distribution model in Sweden, 2013

53.0 SWITZERLAND

  • Retailer consumer finance in Switzerland: provision rate and operating models, 2013
  • Retailer consumer finance in Switzerland: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Switzerland, 2013
  • Retailer provision of other banking products and services in Switzerland, 2013
  • Retailer personal loans, mortgages and savings accounts in Switzerland: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Switzerland: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Switzerland, 2013
  • Retailer international payments / remittances in Switzerland: provision and operating models, 2013
  • Provision of retailer international payments / remittances by retailer category and distribution model in Switzerland, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in South Korea, 2014

54.0 THAILAND

  • Retailer consumer finance in Thailand: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Thailand, 2014

55.0 TURKEY

  • Retailer consumer finance in Turkey: provision rate and operating models, 2013
  • Retailer consumer finance in Turkey: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Turkey, 2013
  • Retailer personal loans, mortgages and savings accounts in Turkey: provision and operating models, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Turkey, 2013

56.0 UK

  • Retailer consumer finance in the UK: provision rate and operating models, 2013
  • Retailer consumer finance in the UK: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in the UK, 2013
  • Retailer provision of other banking products and services in the UK, 2013
  • Retailer personal loans, mortgages and savings accounts in the UK: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in the UK: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in the UK, 2013

57.0 UKRAINE

  • Retailer consumer finance in Ukraine: provision rate and operating models, 2013
  • Retailer consumer finance in Ukraine: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Ukraine, 2013
  • Retailer provision of other banking products and services in Ukraine, 2013
  • Retailer personal loans, mortgages and savings accounts in Ukraine: provision and operating models, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Ukraine, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Ukraine, 2013

58.0 URUGUAY

  • Retailer consumer finance in Peru: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Uruguay, 2014

59.0 USA

  • Retailer consumer finance in the US: provision rate and operating models, 2014
  • Retailer consumer finance in the US: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in the US, 2014
  • Retailer provision of other banking products and services in the US, 2014
  • Retailer personal loans, mortgages and savings accounts in the US: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in the US: unweighted and weighted provider share of partnerships, 2014
  • Retailer international payments / remittances in the US: provision and operating models, 2014
  • Retailer international payments / remittances in the US: unweighted and weighted provider share of partnerships, 2014
  • Provision of international payments / remittances by retailer category and distribution model in the US, 2014

60.0 VIETNAM

  • Retailer consumer finance in Vietnam: provision rate and operating models, 2014
  • Retailer consumer finance in Vietnam: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Vietnam, 2014
  • Retailer provision of other banking products and services in Vietnam, 2014
  • Retailer international payments / remittances in Vietnam: provision rate and operating models, 2014
  • Provision of retailer international payments / remittances by retailer category and distribution model in Vietnam, 2014

61.0 APPENDIX

  • Retailer captives and joint ventures for consumer finance worldwide: countries active, operating models, and ownership, 2013 / 2014
  • Retailer captives and joint ventures for consumer finance worldwide: countries active, operating models, and ownership, 2013 / 2014 (cont.)
  • Retailer captives and joint ventures for consumer finance worldwide: countries active, operating models, and ownership, 2013 / 2014 (cont.)
  • Retailer captives and joint ventures for banking products worldwide: countries active, operating models, and ownership, 2013 / 2014
  • Retailer captives and joint ventures for banking products worldwide: countries active, operating models, and ownership, 2013 / 2014 (cont.)
  • Retailer captives and joint ventures for for international payments / remittances worldwide: countries active, operating models, and ownership, 2013 / 2014
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