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インドのプリペイド/デビッドカード市場

The Indian Prepaid and Debit Cards Market

発行 Timetric 商品コード 249122
出版日 ページ情報 英文 103 Pages
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インドのプリペイド/デビッドカード市場 The Indian Prepaid and Debit Cards Market
出版日: 2012年08月21日 ページ情報: 英文 103 Pages
概要

インドのプリペイド/デビッドカード市場は過去5年間で急激に拡大し、全体で年31%もの成長を達成しました。この急速な普及の主な要因として、ライフスタイル・人口構成の変化や、より洗練された製品に対する需要、オンラインショッピングの普及、1人当たり所得の増大、更にはATMによる銀行ワークの拡充やPOS(Point of sale)端末の普及といった事が挙げられます。一方、プリペイド/デビッドカード市場の双方に大きな競争圧力がかかっているため、銀行とカード発行会社とが提携して様々な普及促進キャンペーンを展開しています。

当レポートでは、インドにおけるプリペイドカードおよびデビットカードの市場について分析し、各カードの市場規模の実績値・予測値や、カテゴリー別の詳細な市場動向、市場促進・抑制要因、政府の規制・支援体制、競争力(SWOT分析)、マーケティング戦略、主要企業のプロファイルなどを調査・推計して、その結果を概略以下の構成でお届けします。

第1章 エグゼクティブ・サマリー

第2章 インドのプリペイド/デビットカード市場の将来展望

第3章 プリペイド/デビットカード市場のダイナミクス

  • インドの銀行業の概況
  • 市場シェア分析:決済手段別
    • 決済手段の概要
    • 現金
    • 小切手
    • 銀行口座振替
    • カード
    • インターネット・バンキング
    • モバイル・ペイメント
  • インドのプリペイド/デビットカード市場のSWOT分析
  • 規制体制

第4章 競争環境

  • インドの銀行業の構造
    • 公営銀行
    • 民営銀行
    • 外資系銀行
  • デビットカード市場のシェア
  • プリペイドカード市場のシェア
  • デビットカード市場のシェア:サービスプロバイダー別

第5章 プリペイド/デビットカード市場の主な傾向と成長促進要因

  • 経済面での促進要因
    • 国内総生産(GDP)
    • インフレ圧力:未だに残る懸念
    • 1人当たり可処分所得
    • 銀行レポレート
    • 都市化の進展に伴うプリペイド/デビットカードの市場拡大
  • インフラ面での促進要因
    • ATMの設置件数の増加
    • POS端末
    • 携帯電話・インターネットの普及率
  • ビジネス面での促進要因
    • 小売のダイナミクス:現金取引が未だに大半を占める
    • プリペイドカードはクレジット/デビットカードより安全である
    • C2G(個人から政府へ)・G2C(政府から個人へ)部門が、主な関心領域として残っている
  • 課題
    • ビジネスモデルと関連コスト
    • 詐欺の脅威
    • 規制体制
    • 消費者の認知度の低さ
    • 適切なインフラの欠如

第6章 消費者の新たな考え方と傾向

  • 市場の分類と目標設定
    • 小売部門
    • 法人顧客
  • 消費者の選好
    • 利便性
    • 価格
    • サービス
  • オンライン購入活動
  • 好まれている決済手段

第7章 プリペイド/デビットカードの市場規模と成長可能性

  • 市場シェア分析:カードの種類別
  • カード産業全体の市場規模とその予測
    • 数量ベース
    • 金額ベース
  • デビットカードの市場規模とその予測
    • 数量ベース
    • 金額ベース
  • プリペイドカードの市場規模とその予測
    • 数量ベース
    • 金額ベース
  • プリペイドカードの市場規模:カテゴリー別
    • 給与カード
    • 旅行カード
    • 多目的カード
    • 送金カード
    • その他のカード

第8章 プリペイド/デビットカード市場の戦略

  • 市場参入戦略
  • マーケティング/商品戦略
    • 給与カード
    • 旅行カード
    • 多目的カード
    • 送金カード
    • その他のプリペイドカード
    • デビットカード
  • 価格戦略

第9章 主要企業のプロファイル(戦略・提供カード・財務実績)

  • SBI Group
  • Punjab National Bank
  • ICICI Bank Limited
  • HDFC Bank
  • Axis Bank
  • ITZ Cash Card Ltd

第10章 付録

図表一覧

目次
Product Code: VR0838MR

Synopsis

The report provides market analysis, information and insights into the Indian prepaid and debit cards market, including:

  • Current and forecast values for the Indian prepaid and debit card market
  • Current and forecast values of the various categories in the Indian prepaid and debit card market
  • Analysis of the key trends, drivers and challenges in the Indian prepaid and debit card market
  • Summary of the current regulatory framework
  • Detailed analysis of the marketing strategies adopted for selling prepaid and debit cards by category
  • Competitive landscape of the Indian prepaid and debit card market
  • SWOT analysis of the Indian prepaid and debit card market
  • Profile of the major companies in the Indian prepaid and debit card market

Summary

The Indian prepaid and debit card market registered significant growth during the review period (2007-2011), with combined card volume recording a growth of 31% in 2011 over figures from 2010. Changing lifestyle demographics, the need for more sophisticated products, the growth of online shopping and increasing levels of per capita income supported the growth of this market. Many Indian banks have been expanding their networks of automatic teller machines (ATMs) in order to develop their business. Part of this expansion has involved installing point of sale (POS) terminals, which are electronic data-capture swipe machines and accept both debit and credit card payments at retail outlets. With competitive pressures on both the prepaid and debit cards market, banks and issuers are developing marketing and pricing strategies with the aim of attracting larger customer bases. Offers such as cash-back, discounts for retail outlets, buy-one-get-one-free offers, rewards points, increasing daily limits for cash withdrawals and insurance coverage are some of the most common strategies that banks are providing to debit and prepaid card customers.

Scope

This report will provide you with:

  • A comprehensive analysis of the prepaid and debit card market in India
  • Current values for the Indian prepaid and debit card market for the report's 2007-2011 review period and figures for the 2012-2016 forecast period.
  • Current values of the various categories within the Indian prepaid card market for the review period and forecast period.
  • Exhaustive summary of the key trends, drivers and challenges affecting the Indian prepaid and debit card market
  • Current regulatory framework in the industry
  • Strengths, weaknesses, opportunities and threats in the Indian prepaid and debit card market
  • Marketing strategies used by various companies
  • Profiles of the major banks and companies in the Indian prepaid and debit card market

Reasons To Buy

  • Make strategic business decisions using historic and forecast market data related to the Indian prepaid and debit card industry and each category within it
  • Understand the key market trends and growth opportunities within the Indian prepaid and debit card market
  • Assess the competitive dynamics in the Indian prepaid and debit card market
  • Gain insights into the marketing strategies used by banks and prepaid card companies
  • Gain insights into key regulations governing the Indian prepaid and debit card market

Table of Contents

1. Executive Summary

2. The Future Outlook of Prepaid and Debit Card Market in India

3. Prepaid and Debit Card Market Dynamics

  • 3.1. Indian Banking Industry Overview
  • 3.2. Market Share Analysis by Payment Channels
    • 3.2.1. Overview of payment channels
    • 3.2.2. Cash
    • 3.2.3. Checks
    • 3.2.4. Credit transfer
    • 3.2.5. Cards
    • 3.2.6. Internet banking
    • 3.2.7. Mobile payments
  • 3.3. SWOT Analysis of Indian Prepaid and Debit Card Market
  • 3.4. Regulatory Framework

4. Competitive Landscape

  • 4.1. Banking Industry Structure in India
    • 4.1.1. Public-sector banks
    • 4.1.2. Private-sector banks
    • 4.1.3. Foreign banks
  • 4.2. Debit Card Market Share
  • 4.3. Prepaid Card Market Share
  • 4.4. Market Share of Debit Cards by Service Provider

5. Key Trends and Growth Drivers for the Indian Prepaid and Debit Cards Market

  • 5.1. Economic Drivers
    • 5.1.1. Gross domestic product (GDP)
    • 5.1.2. Inflationary pressure remains a key concern
    • 5.1.3. Per capita annual disposable income
    • 5.1.4. Bank repo rate
    • 5.1.5. Increasing urbanization expected to support growth of Indian prepaid and debit card market
  • 5.2. Infrastructure Drivers
    • 5.2.1. Increasing number of ATMs
    • 5.2.2. Point of sale terminals (POS)
    • 5.2.3. Mobile and internet penetration
  • 5.3. Business Drivers
    • 5.3.1. Retail dynamics - Cash transactions still dominate the market
    • 5.3.2. Prepaid cards are more secure than credit and debit cards
    • 5.3.3. C2G (consumer to government) and G2C (government to consumer) payments expected to remain key focus areas
  • 5.4. Challenges
    • 5.4.1. Business model and associated costs
    • 5.4.2. Threat of fraud
    • 5.4.3. Regulatory framework
    • 5.4.4. Lack of consumer awareness
    • 5.4.5. Absence of adequate infrastructure

6. Emerging Consumer Attitude and Trends

  • 6.1. Market Segmentation and Targeting
    • 6.1.1. Retail segment
    • 6.1.1. Corporate customers
  • 6.2. Consumer Preference
    • 6.2.1. Convenience
    • 6.2.2. Price
    • 6.2.3. Services
  • 6.3. Online Buying Behavior
  • 6.4. Preferred Payment Methods

7. Indian Prepaid and Debit Cards Market Size and Growth Potential

  • 7.1. Market Share Analysis by Type of Card
  • 7.2. Total Market Size and Forecast of Card Industry
    • 7.2.1. Analysis by volume
    • 7.2.2. Analysis by value
  • 7.3. Debit Card Market Size and Forecast
    • 7.3.1. Analysis by volume
    • 7.3.2. Analysis by value
  • 7.4. Prepaid Card Market Size and Forecast
    • 7.4.1. Analysis by volume
    • 7.4.2. Analysis by value
  • 7.5. Indian Prepaid Cards Market Size by Category
    • 7.5.1. Payroll cards
    • 7.5.2. Travel cards
    • 7.5.3. Multi-purpose cards
    • 7.5.4. Remittance cards
    • 7.5.5. Other prepaid cards

8. Indian Prepaid and Debit card Marketing Strategies

  • 8.1. Market Entry Strategies
  • 8.2. Marketing / Product Strategy
    • 8.2.1. Payroll cards
    • 8.2.2. Travel cards
    • 8.2.3. Multi-purpose cards
    • 8.2.4. Remittance cards
    • 8.2.5. Other prepaid cards
    • 8.2.6. Debit cards
  • 8.3. Pricing Strategies

9. Profile of Leading Indian Companies

  • 9.1. SBI Group
    • 9.1.1. Strategies
    • 9.1.2. Prepaid Cards Offered
    • 9.1.3. Debit Card offered
    • 9.1.4. Financial Performance
  • 9.2. Punjab National Bank
    • 9.2.1. Strategies
    • 9.2.2. Prepaid Card Offered
    • 9.2.3. Debit Card Offered
    • 9.2.4. Financial Performance
  • 9.3. ICICI Bank Limited
    • 9.3.1. Strategies
    • 9.3.2. Prepaid card offered
    • 9.3.3. Debit Card offered
    • 9.3.4. Financial performance
  • 9.4. HDFC Bank
    • 9.4.1. Strategies
    • 9.4.2. Prepaid card offered
    • 9.4.3. Debit Card offered
    • 9.4.4. Financial performance
  • 9.5. Axis Bank
    • 9.5.1. Strategies
    • 9.5.2. Prepaid card offered
    • 9.5.3. Debit Card offered
    • 9.5.4. Financial performance
  • 9.6. ITZ Cash Card Ltd
    • 9.6.1. Prepaid cards offered
    • 9.6.2. Strategies

10. Appendix

  • 10.1. Methodology
  • 10.2. Definitions
  • 10.3. Contact Us
  • 10.4. About Timetric
  • 10.5. Disclaimer

List of Tables

  • Table 1: Indian Companies Authorized to Provide Prepaid Payment Instruments by the RBI, 2009-2012
  • Table 2: Indian Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2011
  • Table 3: Indian Banking Industry Value by Loans and Deposits (US$ Billion), 2012-2016
  • Table 4: SWOT Analysis of the Indian Prepaid and Debit Cards Market
  • Table 5: India: Repo Rate (%), April 2009 - April 2012
  • Table 6: Indian Card Industry by Type of Card (Millions), 2007-2016
  • Table 7: Indian Card Industry Market Size by Volume (Million), 2007-2016
  • Table 8: Indian Card Industry Market Size by Transaction Value (INR Billion), 2007-2016
  • Table 9: Indian Debit Card Industry Market Size (Million), 2007-2016
  • Table 10: Indian Debit Card Industry Market Size (INR Billion), 2007-2016
  • Table 11: Indian Prepaid Card Industry Market Size ( Million), 2007-2016
  • Table 12: Indian Prepaid Card Industry Market Size (INR Billion), 2007-2016
  • Table 13: Indian Payroll Card Industry Market Size (INR Billion), 2007-2016
  • Table 14: Indian Travel Card Industry Market Size (INR Billion), 2007-2016
  • Table 15: Indian-Multi Purpose Card Industry Market Size (INR Billion), 2007-2016
  • Table 16: Indian Remittance Card Industry Market Size (INR Billion), 2007-2016
  • Table 17: Indian Other Prepaid Card Industry Market Size (INR Billion), 2007-2016
  • Table 18: Market Entry Strategy of Foreign Banks in India
  • Table 19: State Bank Classic Debit and Shopping Card
  • Table 20: State Bank Silver International Debit Card
  • Table 21: State Bank Gold International Debit Card
  • Table 22: State Bank Platinum International Debit Card
  • Table 23: SBI Yuva International Debit Card
  • Table 24: SBI Group Financial Position, Fiscal Year Ending March (INR Billion)
  • Table 25: Punjab National Bank Financial Position, Fiscal Year Ending March (INR Billion)
  • Table 26: ICICI Bank Financial Position (INR Billion)
  • Table 27: HDFC Bank Financial Position (INR Billion)
  • Table 28: Axis Bank Financial Position (INR Billion)
  • Table 29: Indian Prepaid Card Definition

List of Figures

  • Figure 1: Growth Potential of Prepaid and Debit Cards in India
  • Figure 2: Indian Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2011
  • Figure 3: Indian Banking Industry Value by Loans and Deposits (US$ Billion), 2012-2016
  • Figure 4: Indian Bank Types - Share of Total Outstanding Cards
  • Figure 5: Indian Banking Industry
  • Figure 6: Indian Debit Card Market - Market Share of Top-Five Public Banks by Volume, 2011
  • Figure 7: Indian Debit Card Market - Market Share of Top-Five Private Banks by Volume, 2011
  • Figure 8: Indian Debit Card Market - Market Share of Top-Five Foreign Banks by Volume, 2011
  • Figure 9: Indian Debit Card Market - Leading Firms According to Market Share in Volume Terms, 2011
  • Figure 10: Indian Leading Closed-Loop Prepaid Card Issuers - Market Share by Volume, 2011
  • Figure 11: Indian Leading Open-Loop Prepaid Card Issuers - Market Share by Volume, 2011
  • Figure 12: Indian Debit Card Market Share of Service Providers
  • Figure 13: India: GDP Growth Rate, Q1 2010 - Q4 2011
  • Figure 14: India: Inflation Rate (%), 2007-2017
  • Figure 15: India: Annual Per Capita Disposable Income (US$), 2007-2017
  • Figure 16: India: Repo Rate (%), April 2009 - April 2012
  • Figure 17: India: Urban and Rural Population (%), 2007-2011
  • Figure 18: India: Number Of Automated Teller Machines (ATMs) (Thousands), 2007-2017
  • Figure 19: India: Number Of Point-of-Sale Terminals (Thousands), 2007-2017
  • Figure 20: India: Market Share of Point of Sale Terminals (Top Seven Banks), March 2011
  • Figure 21: India: Internet Penetration Rate (%), 2007-2016
  • Figure 22: India: Mobile Phone Penetration Rate (%), 2007-2011
  • Figure 23: India: Percentage of Retail Transactions By Volume, 2011
  • Figure 24: India: Prepaid and Debit Cards Market Challenges
  • Figure 25: India: Market Segmentation and Targeting of Prepaid and Debit Cards
  • Figure 26: India: Female Population
  • Figure 27: Specialized Debit Cards For Women
  • Figure 28: India: Volume of Leisure Tourists (Million), 2007-2016
  • Figure 29: India: HNWIs Volume, 2007-2016
  • Figure 30: Debit Cards Offered to High-Net-Worth Individuals
  • Figure 31: India: Volume of Outbound Business Tourists (Million), 2007-2016
  • Figure 32: Prepaid Cards for Outbound Business Tourists
  • Figure 33: Consumer Preferences on Prepaid and Debit Cards
  • Figure 34: Services Offered on Prepaid and Debit Cards
  • Figure 35: India Online Trade Market (INR Million), 2007-2011
  • Figure 36: India: Preferred Payment Methods - 2011
  • Figure 37: Indian Card Industry by Type of Card (%), 2007-2016
  • Figure 38: Indian Card Industry Market Size by Volume (Million), 2007-2016
  • Figure 39: Indian Card Industry Market Size by Transaction Value (INR Billion), 2007-2016
  • Figure 40: Indian Debit Card Industry Market Size (Million), 2007-2016
  • Figure 41: Indian Debit Card Industry Market Size (INR Billion), 2007-2016
  • Figure 42: Indian Prepaid Card Industry Market Size ( Million), 2007-2016
  • Figure 43: Indian Prepaid Card Industry Market Size (INR Billion), 2007-2016
  • Figure 44: Indian Payroll Card Industry Market Size (INR Billion), 2007-2016
  • Figure 45: Indian Travel Card Industry Market Size (INR Billion), 2007-2016
  • Figure 46: Indian-Multi Purpose Card Industry Market Size (INR Billion), 2007-2016
  • Figure 47: Indian Remittance Card Industry Market Size (INR Billion), 2007-2016
  • Figure 48: Indian Other Prepaid Card Industry Market Size (INR Billion), 2007-2016
  • Figure 49: Marketing Strategies Based on Card Type
  • Figure 50: Debit Cards Pricing Strategies of Various Service Providers
  • Figure 51: Prepaid Cards Pricing Strategies of Various Service Providers
  • Figure 52: State Bank of India Market Segmentation of Cards Offered
  • Figure 53: Punjab National Bank (PNB) Market Segmentation of Cards Offered
  • Figure 54: ICICI Bank Limited (ICICI) Market Segmentation of Cards Offered
  • Figure 55: ICICI Bank Prepaid Cards
  • Figure 56: HDFC Bank Limited (HDFC Bank) Market Segmentation of Cards Offered
  • Figure 57: HDFC Bank Easy Shop Women Advantage Debit Card
  • Figure 58: Axis Bank Market Segmentation of Cards Offered
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