トルコのカードと決済市場：2028年における機会とリスク

トルコ共和国中央銀行（CBRT）は2019年からデジタル通貨「デジタル・トルコリラ」の開発を進めています。このプロジェクトは、従来の決済に代わる便利な手段を導入することで、同国の決済システムを近代化し、金融包摂を促進することを目的としています。デジタル・トルコリラの最初の試験段階は2022年12月に完了し、決済取引はデジタル・トルコリラ・ネットワークを通じて行われました。さらなる試験段階は2023年に行われ、より幅広い参加者（銀行やフィンテック企業など）が参加しました。しかし、本稿執筆時点では、正式な開始日は発表されていません。

トルコでは、ペイメントカードだけでなく、モバイルウォレットの普及により、モバイルペイメントも普及しつつあります。利便性と安全性を提供する国内ウォレットが利用可能であることがユーザーを引きつけており、非接触型決済の普及も進んでいます。2023年9月、サムスン電子トルコは決済会社のVisa、Pazarama、Mokaと提携し、モバイル・ウォレット・ソリューション「S Wallet」を発表しました。S Walletは、消費者がPOS端末でサムスン・スマートフォンを使って非接触決済を行うことを可能にするほか、ウェアラブル端末を使った決済も可能にします。このソリューションは、発売から3年以内に100万人以上のアクティブユーザーを目指しています。

クレジットカードの普及は、銀行が分割払いを提供することでさらに加速するとみられています。インターバンクカードセンター（Bankalararasi Kart Merkezi[BKM]）が発表したレポートによると、トルコの消費者は2023年1月から9月の間に1兆1,000億トルコリラ（約464億米ドル）を分割払いで支払い、2022年の同時期と比べて25%増加しました。これに対応するため、銀行はクレジットカード保有者に柔軟な支払いオプションを提供しています。例えば、HSBCはマスターカードHSBCプレミア・クレジットカードを提供しており、カード保有者は買い物を2～6回に分割して無利息で毎月支払うことができます。今後、柔軟な支払いオプションに対する消費者の嗜好の高まりを受けて、分割払いは着実に増加すると予測されています。

当レポートでは、トルコのカードと決済市場について調査し、2028年までの市場の機会とリスク、トルコのカードと決済産業についてトップレベルの市場分析、情報、考察を提供します。現金、カード、小切手などの決済手段に関する詳細な洞察とともに、トルコの主要な代替決済手段の概要も掲載しています。

目次

第1章 エグゼクティブサマリー

第2章 市場概要

第3章 支払手段

第4章 カード決済

第5章 加盟店獲得

第6章 電子商取引の支払い

第7章 店舗内での支払い

第8章 後払い決済（BNPL）

第9章 モバイル決済

第10章 P2P決済

第11章 請求書の支払い

第12章 代替支払い

第13章 決済イノベーション

第14章 職務分析

第15章 決済インフラと規制

第16章 付録

GlobalData's 'Turkiye Cards and Payments: Opportunities and Risks to 2028' report provides top-level market analysis, information and insights into the Turkish cards and payments industry, including -

• Current and forecast values for each market in the Turkish cards and payments industry, including debit, and credit cards.
• Detailed insights into payment instruments including cash, card and cheques. It also, includes an overview of the country's key alternative payment instruments.
• Ecommerce market analysis.
• Analysis of various market drivers and regulations governing the Turkish cards and payments industry.
• Detailed analysis of strategies adopted by banks and other institutions to market debit, and credit cards.
• Comprehensive analysis of consumer attitudes and buying preferences for cards.
• The competitive landscape of the Turkish cards and payments industry.

GlobalData's 'Turkiye Cards and Payments: Opportunities and Risks to 2028' report provides detailed analysis of market trends in the Turkish cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including card, cash, credit transfer, and cheques during the review-period (2020-24e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2024e-24f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

Key Highlights

• The Central Bank of the Republic of Turkiye (CBRT) has been developing its digital currency, the Digital Turkish Lira, since 2019. The project aims to modernize the country's payment system and promote financial inclusion by introducing convenient alternatives to traditional payments. The first pilot phase of the Digital Turkish Lira was completed in December 2022, with payment transactions conducted via the Digital Turkish Lira Network. Further pilot phases took place in 2023, involving a wider range of participants (such as banks and fintech companies). However, an official launch date had not been announced as of the time of writing.
• As well as payment cards, mobile payments are also gaining traction in Turkiye, driven by widespread acceptance of mobile wallets. The availability of domestic wallets offering convenience and security is attracting users, as is growing uptake of contactless payments. To benefit, in September 2023, Samsung Electronics Turkiye partnered with payment companies Visa, Pazarama, and Moka to launch the S Wallet mobile wallet solution. S Wallet enables consumers to make contactless payments via Samsung smartphones at POS terminals, as well as payments using wearable devices. The solution is aiming for over 1 million active users within three years of launch.
• Credit card adoption will further be fueled by banks offering installment payments. According to a report published by the Interbank Card Center (Bankalararasi Kart Merkezi [BKM]), Turkish consumers made TRY1.1 trillion ($46.4 billion) of payments via installments between January and September 2023, up 25% compared to the same period of 2022. To capitalize, banks are offering flexible payment options to their credit card holders. For instance, HSBC offers the Mastercard HSBC Premier credit card, which allows card holders to split purchases across two to six interest-free monthly installments. Going forward, installment payments will rise steadily, driven by the growing consumer preference for flexible payment options.

Scope

• Card market size in terms of number of cards, value and volume of transactions in Turkiye along with detailed card segmentation of debit and credit cards available in the country.
• Market sizing and analysis of major payment instruments including card, cash, credit transfer, and cheques .
• Payment market trends and growth for both historical and forecast period
• Competitor analysis with detailed insights into leading card issuers and schemes.
• Comprehensive analysis of consumer attitudes and buying preferences for cards.
• A detailed snapshot of country's key alternative payment brands.

Reasons to Buy

• Make strategic business decisions, using top-level historic and forecast market data, related to the Turkish cards and payments industry and each market within it.
• Understand the key market trends and growth opportunities in the Turkish cards and payments industry.
• Assess the competitive dynamics in the Turkish cards and payments industry.
• Gain insights into marketing strategies used for various card types in Turkiye.
• Gain insights into key regulations governing the Turkish cards and payments industry.

Table of Contents

Table of Contents

1. Executive Summary

2. Market Overview

3. Payment Instruments

4. Card-Based Payments

5. Merchant Acquiring

6. Ecommerce Payments

7. In-Store Payments

8. Buy Now Pay Later

9. Mobile Payments

10. P2P Payments

11. Bill Payments

12. Alternative Payments

13. Payment Innovation

14. Job Analysis

15. Payment Infrastructure and Regulation

16. Appendix