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将来予測:国内系決済カードネットワークの役割

2020 Foresight Report: The Role of the Domestic Payment Card Network

発行 Timetric 商品コード 278939
出版日 ページ情報 英文 64 Pages
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将来予測:国内系決済カードネットワークの役割 2020 Foresight Report: The Role of the Domestic Payment Card Network
出版日: 2013年08月14日 ページ情報: 英文 64 Pages
概要

国際系決済カードネットワーク(Visa・MasterCardなど)は全世界で圧倒的な市場シェアを占めており、自社の都合に合わせた手数料設定が可能となるため、決済コストが高くなる傾向にあります。そのため、自国政府の支援を受けた国内系ネットワークの概念が幾つかの国で登場し、カード市場のシェア配分を動かしつつあります。新興国市場を中心に、各社は割安の決済コストや新市場の開拓(マイクロペイメント、国内の小型金融機関との提携など)により、今後大きく市場を拡大するものと思われます。

当レポートでは、世界各国における国内系決済カードネットワークの市場について分析し、世界各国(先進国・途上国)におけるクレジットカード市場の競争環境や、今後の技術面・規制面・経営面での市場機会、代表的企業(UnionPay(中国)、RuPay(インド)など)の事例やその成功要因、国際系ネットワーク側の対抗策などを調査して、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 世界各国のカード決済チャネルの環境

  • カード決済市場のダイナミクス
    • カード取引の枠組み
    • 世界各国の国内系ネットワークの現状
  • カード決済チャネルの現状と競争環境
    • 先進国
    • 新興国

第3章 国内系ネットワークの潜在的市場と主な課題

  • 主な対象市場
    • 小規模ビジネス
    • 政府関連の決済
    • 伝統的市場
  • 主な促進要因の分析
    • 経営面での促進要因
    • 規制面での促進要因
    • インフラ面での促進要因
  • 国内系ネットワークの主な課題
    • 経営面での課題
    • 技術面・規制面での課題

第4章 決済カードネットワークの主な成功要因

  • 国内系ネットワークのベストプラクティス
    • パートナーシップ・業務提携による、国内市場へのカードサービスの提供
    • 小規模金融機関への注力による市場シェア拡大
    • 革新的技術の導入による、詐欺損失の削減と純収益の改善
    • マイクロペイメント市場の開拓を通じた成長
    • プロモーションの活用やクロス販売の機会による、更なる収益拡大
  • 国内系ネットワーク各社が採用した戦略
    • パートナーシップ・製品開発を通した、国際市場への進出
    • RuPay:インド経済へのカードサービス拡張のための低コスト戦略
    • eftpos:マイクロペイメントへの注力と販売キャンペーンによる、オーストラリアでの市場シェア防衛
    • ACCEL/Exchange:低コスト優位性への注力と、事業拡大のためのクロス販売機会
    • Interac:革新的技術の導入による、カード詐欺損失への対抗
  • 国際系ネットワーク側の戦略変更
    • コスト・製品戦略
    • 拡張戦略

第5章 付録

図表一覧

目次
Product Code: VR0936MR

Synopsis

The report provides information and insights into the dynamics of domestic payment card networks globally and their increasing importance in emerging economies:

  • Provides insights into sector dynamics including card payment frameworks, a snapshot of domestic card payment networks across the globe, and the competitive landscape in selected developed and emerging economies
  • Discusses market potential in key target segments along with operation, technical and regulatory challenges for domestic payment card networks
  • Provides insights into key operational, regulatory and infrastructure drivers supporting the case of domestic payment card networks
  • Discusses key success factors and strategies adopted by domestic payment card networks with detailed case studies
  • Includes insights into the expected strategic response of international payment card networks due to the rise in competition

Summary

International payment card networks such as Visa and MasterCard enjoy the majority of the global market share, enabling them to control pricing in their favor, leading to high transaction and settlement costs for the overall card payment channel. Owing to this, the idea of government backed domestic networks has started to gain momentum in a number of markets. The emergence of government-backed networks is expected to play a crucial role in the redistribution of market share; they are predicted to lower the cost of transactions and help in the growth of card services to a larger market through increased competition. The success of China's UnionPay and India's RuPay are expected to fuel the trend further. The ability to provide transaction facilities for up to 40% cheaper than international networks is expected to be the key growth driver for domestic networks, especially in emerging markets. Moreover, International networks have lagged behind in exploiting business opportunities in certain market segments such as micropayments, social benefit programs, and the reliance of the rural population on small financial institutions.

Scope

  • This report provides comprehensive analysis of domestic payment card networks on a global scale with the current competitive landscape of different payment card networks and their market share in selected developed and emerging economies
  • Includes insights on both established and dominant domestic networks as well as new emerging schemes
  • Analyzes key market potentials including target markets, growth drivers and challenges
  • Examines key strategies adopted by domestic payment card networks to expand their business and increase revenues in both developed and emerging markets
  • Futuristic outlook about expected strategic response from international payment card networks to counter competition from local and national competitors

Reasons To Buy

  • Gain insights into key strategies adopted by domestic payment card networks to expand their business operations and increase revenue to streamline your domestic model
  • Understand the key drivers of growth and challenges to develop a cost effective strategy for key target markets
  • Learn about the current competitive landscape in selected developed and emerging economies for both the credit and debit card categories
  • Get data on historical and forecast number of cards in circulation with their transaction value and volume in selected developed and emerging economies
  • Gain insights into expected strategic moves by international payment card networks to level the playing field

Table of Contents

1. Executive Summary

2. Global Landscape of Card Payments Channel

  • 2.1. Market Dynamics of Card Payments
    • 2.1.1. Card transaction framework
    • 2.1.2. Global snapshot of domestic networks
  • 2.2. Snapshot of Card Payments Channel and Competitive Landscape
    • 2.2.1. Developed economies
    • 2.2.2. Emerging economies

3. Market Potential and Key Challenges for Domestic Networks

  • 3.1. Key Target Markets
    • 3.1.1. Small scale businesses
    • 3.1.2. Government payments
    • 3.1.3. Traditional markets
  • 3.2. Analysis of Key Drivers
    • 3.2.1. Operational drivers
    • 3.2.2. Regulatory drivers
    • 3.2.3. Infrastructure drivers
  • 3.3. Key Challenges for Domestic Networks
    • 3.3.1. Operational challenges
    • 3.3.2. Technical and regulatory challenges

4. Key Success Factors for Payment Card Networks

  • 4.1. Best Practices for Domestic Networks
    • 4.1.1. Partnerships and collaborations to offer card services in international markets
    • 4.1.2. Focus on small financial institutions to increase market share
    • 4.1.3. Adoption of innovative technology to lower fraud losses and improve net income
    • 4.1.4. Tapping micropayments for growth
    • 4.1.5. Using promotions and cross-selling opportunities to generate higher revenues
  • 4.2. Strategies Adopted by Domestic Networks
    • 4.2.1. Expansion in international markets through partnerships and product launches
    • 4.2.2. RuPay's low cost strategy for extension of card services in the Indian economy
    • 4.2.3. eftpos' focus on micropayments and marketing campaigns to protect market share in Australia
    • 4.2.4. ACCEL/Exchange's focus on low cost advantage and cross-selling opportunities for expansion
    • 4.2.5. Interac's adoption of innovative technology to counter fraud losses
  • 4.3. Changing Strategies of International Networks
    • 4.3.1. Cost and product strategies
    • 4.3.2. Expansion strategies

5. Appendix

  • 5.1. Methodology
  • 5.2. Background
  • 5.3. Contact Timetric
  • 5.4. About Timetric
  • 5.5. Disclaimer

List of Tables

  • Table 1: Participant Incentives in a Card Transaction Framework
  • Table 2: Card Market Size in Developed Economies (Million), 2008-2017
  • Table 3: Card Transaction Value in Developed Economies (US$ Billion), 2008-2017
  • Table 4: Card Transaction Volume in Developed Economies (Billion), 2008-2017
  • Table 5: Card Market Size in Emerging Economies (Million), 2008-2017
  • Table 6: Card Transaction Value in Emerging Economies (US$ Billion), 2008-2017
  • Table 7: Card Transaction Volume in Emerging Economies (Billion), 2008-2017
  • Table 8: Access to Banking Facilities in India
  • Table 9: POS Terminals in Developed Economies (Thousand), 2008-2017
  • Table 10: POS Terminals in Emerging Economies (Thousand), 2008-2017
  • Table 11: Number of MPOS Terminals and Penetration, 2011-2017
  • Table 12: Examples of Financial Institutions Switching to ACCEL/Exchange Network

List of Figures

  • Figure 1: Two-Party Payment Model
  • Figure 2: Three-Party Payment Model
  • Figure 3: Four-Party Payment Model
  • Figure 4: Domestic Payment Card Networks
  • Figure 5: Card Market Size in Developed Economies (Million), 2008-2017
  • Figure 6: Card Transaction Value in Developed Economies (US$ Billion), 2008-2017
  • Figure 7: Card Transaction Volume in Developed Economies (Billion), 2008-2017
  • Figure 8: US Debit Cards - Category Share by Scheme (%), 2012
  • Figure 9: Germany Debit Cards - Category Share by Scheme (%), 2012
  • Figure 10: Australia Debit Cards - Category Share by Scheme (%), 2012
  • Figure 11: US Credit Cards - Category Share by Scheme (%), 2012
  • Figure 12: Canada Credit Cards - Category Share by Scheme (%), 2012
  • Figure 13: Germany Credit Cards - Category Share by Scheme (%), 2012
  • Figure 14: Australia Credit Cards - Category Share by Scheme (%), 2012
  • Figure 15: Japan Credit Cards - Category Share by Scheme (%), 2012
  • Figure 16: Card Market Size in Emerging Economies (Million), 2008-2017
  • Figure 17: Card Transaction Value in Emerging Economies (US$ Billion), 2008-2017
  • Figure 18: Card Transaction Volume in Emerging Economies (Billion), 2008-2017
  • Figure 19: China Debit Cards - Category Share by Scheme (%), 2012
  • Figure 20: India Debit Cards - Category Share by Scheme (%), 2012
  • Figure 21: Malaysia Debit Cards - Category Share by Scheme (%), 2012
  • Figure 22: Argentina Debit Cards - Category Share by Scheme (%), 2012
  • Figure 23: Russia Debit Cards - Category Share by Scheme (%), 2012
  • Figure 24: China Credit Cards - Category Share by Scheme (%), 2012
  • Figure 25: India Credit Cards - Category Share by Scheme (%), 2012
  • Figure 26: Malaysia Credit Cards - Category Share by Scheme (%), 2012
  • Figure 27: Argentina Credit Cards - Category Share by Scheme (%), 2012
  • Figure 28: Russia Credit Cards - Category Share by Scheme (%), 2012
  • Figure 29: Dynamics of Target Markets
  • Figure 30: Dynamics of Key Drivers
  • Figure 31: Average Exchange Rate Movement Per US$ (%), 2008-2012
  • Figure 32: POS Terminals in Developed Economies (Thousand), 2008-2017
  • Figure 33: POS Terminals in Emerging Economies (Thousand), 2008-2017
  • Figure 34: Global MPOS Terminals (Units in Millions), 2011-2017
  • Figure 35: Global MPOS Terminal Penetration (%), 2011-2017
  • Figure 36: Key Success Strategies
  • Figure 37: UnionPay's Emergence in International Market
  • Figure 38: Roadmap for RuPay
  • Figure 39: RuPay's Growth Strategies
  • Figure 40: Card Transactions in Australia on Different Networks, 2012
  • Figure 41: eftpos Promotion Campaign, 'I am King'
  • Figure 42: eftpos Growth Strategies
  • Figure 43: ACCEL/Exchange Growth Strategies
  • Figure 44: Fraud Prevention by Interac
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