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ベトナムのカード・決済産業:新たな市場機会・傾向・規模・促進要因・戦略、商品、競争環境

Vietnam's Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

発行 Timetric 商品コード 306168
出版日 ページ情報 英文 87 Pages
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ベトナムのカード・決済産業:新たな市場機会・傾向・規模・促進要因・戦略、商品、競争環境 Vietnam's Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
出版日: 2014年06月23日 ページ情報: 英文 87 Pages
概要

ベトナムの経済成長や雇用拡大、家計所得向上などにより、今まで銀行を利用したことのない人々が金融サービスにアクセスできるようになりました。多数の人々・企業が金融業の主流に合流し、電子決済サービスの利点を知り、現金決済額を減らすようになってきました。資金決済シャネル全体のうち、現金決済のシェアは2009年の3.4%から2013年には2.7%に低下する一方、カード決済は1.5%から3.1%へと倍増しました。カード決済市場の市場規模は、2009年の2170万枚・3648兆ベトナムドン(214億米ドル)から、2013年には6780万枚・1320兆ベトナムドン(628億米ドル)にまで拡大しました。そして2018年には2580兆ベトナムドン(1065億米ドル)に達すると予想されています。一方、クレジットカード・プリペイドカードの発行枚数は、合計でも7.3%と、デビットカードを下回っているのが現状です。しかし、中産階級家庭の増加や、クレジットへのアクセス需要の拡大、消費支出行動の変化、クレジットカード承認の容易化といった要因が、需要拡大に火をつけています。また、共同ブランドカードが少しづつですがベトナムでも人気を獲得しています。

当レポートでは、ベトナムの各種カード・決済手段の産業動向について分析し、全体的な産業構造や促進要因、各種犯罪および規制の動向、チャネル別の市場動向(取引件数・金額など、過去・今後5年間分)、主要企業のプロファイルなどの情報をお届けします。

第1章 エグゼクティブ・サマリー

第2章 産業環境・主要動向・促進要因の分析

  • 決済インフラと新規技術
    • インターネット普及率の上昇
    • ATM
    • POS端末
    • セキュリティ強化機能つきカード
  • 事業促進要因
    • リテール部門の成長
    • eコマースの成長
  • 経済促進要因
    • GDP成長率
    • 1人当たりGDP
    • インフレ率

第3章 カード・決済産業のシェア分析

  • カード・決済産業の概要
    • 口座振替
    • カード取引
    • 現金取引
    • 口座引き落とし
    • 小切手決済

第4章 規制体制とカード詐欺の統計

  • 規制体制
    • 概要
    • マネーロンダリング規制(AML)およびテロリスト資金対策(CTF)
    • 海外直接投資(FDI)に対する規制
  • カード詐欺に関する統計
    • カード偽造
    • カード不介在(CNP)
    • カードID盗難
    • カード紛失・盗難

第5章 消費者の新たな考え方と傾向

  • 市場の内訳と標的
    • リテール部門
    • コーポレート部門
  • 旅行・観光支出額
    • アウトバウンド旅行客数
    • アウトバウンド旅行客の支出額
  • 小売カード支出額
    • 製品カテゴリー別の分析
    • 小売チャネル別の分析

第6章 カード決済経路の分析と成長見通し

  • 経路シェアの分析:カードのカテゴリー別
  • カード決済経路の市場規模とその予測
    • カードの流通枚数の分析
    • 取引額の分析

第7章 クレジットカード決済の分析と成長見通し

  • 全体的な市場規模とその予測
    • カードの流通枚数の分析
    • 取引件数の分析
    • 取引額の分析
  • 取引額シェアの分析:チャネル別
  • 個人用クレジットカードの市場規模とその予測
  • 商用クレジットカードの市場規模とその予測
  • 競争環境
    • スキーム別市場シェア
    • 発行企業別市場シェア

第8章 デビットカード決済の分析と成長見通し

  • 全体的な市場規模とその予測
  • 取引額シェアの分析:チャネル別
  • 競争環境(スキーム別・発行企業別市場シェア)

第9章 プリペイドカード決済の分析と成長見通し

  • 全体的な市場規模とその予測
    • カードの流通枚数の分析
    • 取引額の分析
  • オープンループ型カードの市場規模とその予測
  • クローズドループ型カードの市場規模とその予測

第10章 加盟店の獲得

第11章 カード発行企業のプロファイル

  • Agribank
    • 主な財務指標
    • カード商品構成
    • 戦略
  • Vietcombank
  • Asia Commercial Joint-Stock Bank (ACB)
  • Sacombank
  • VietinBank

第12章 付録

図表一覧

目次
Product Code: VR0999MR

The report provides top-level market analysis, information and insights into Vietnam's cards and payments industry, including:

  • Current and forecast values for each category of Vietnam's cards and payments industry, including debit cards, credit cards and prepaid cards
  • Comprehensive analysis of the industry's market attractiveness and future growth areas
  • Analysis of various market drivers and regulations governing Vietnam's cards and payments industry
  • Detailed analysis of the marketing strategies adopted for selling debit, credit and prepaid cards used by banks and other institutions in the market
  • Comprehensive analysis of consumer attitudes and buying preferences for cards
  • The competitive landscape of Vietnam's cards and payments industry

Summary

Vietnam's economic growth has enhanced job creation and household income, and propelled a greater number of previously unbanked people into the realm of financial services. Vietnam's GDP per capita subsequently rose during the review period from US$1,097.1 in 2009 to US$1,728.4 in 2013. Even though Vietnam remains a highly untapped financial services market, economic growth is enhancing the number of people gaining access to bank accounts. Consequently, as more people and businesses are brought into the financial mainstream and are becoming aware of the benefits of electronic transactions, the use of cash as a payment method is decreasing. In terms of the overall card payments channel, the share of cash transactions decreased from 3.4% in 2009 to 2.7% in 2013, while the share of card transactions doubled to increase from 1.5% in 2009 to 3.1% in 2013.

The Vietnamese card payments channel grew in value and volume terms during the review period. In terms of the number of cards in circulation, the channel grew from 21.7 million in 2009 to 67.8 million in 2013, at a compound annual growth rate (CAGR) of 32.95% and is anticipated to further post a forecast-period CAGR of 9.89%. In terms of transaction value, the card payments channel grew from VND364.8 trillion (US$21.4 billion) in 2009 to VND1.32 quadrillion (US$62.8 billion) in 2013, at a review-period CAGR of 37.91%, it is anticipated to post a forecast-period CAGR of 12.30%, to reach VND2.58 quadrillion (US$106.5 billion) in 2018.

In terms of the number of cards in circulation, the credit and prepaid card categories collectively accounted for a channel share of 7.3% in 2013, reflecting lower penetration rates than the debit cards category. However, a growth in the number of middle-class families, the greater need for access to credit, changes in consumer spending habits and the comfortable approval of credit cards fueled demand. Banks are issuing customized credit cards targeted at diverse customer segments such as the young population, high-income customers, females and travelers. Co-branded credit cards are slowly gaining popularity in Vietnam. In 2013, most banks issued co-branded credit cards in association with retailers, airline companies, educational institutions and football clubs. Vietcombank, for example, offers the Vietnam Airlines American Express Platinum Card in association with Vietnam Airlines.

Scope

  • This report provides a comprehensive analysis of Vietnam's cards and payments industry.
  • It provides current values for Vietnam's cards and payments industry for 2013, and forecast figures for 2018.
  • It details the different economic, infrastructural and business drivers affecting Vietnam's cards and payments industry.
  • It outlines the current regulatory framework in the industry.
  • It details the marketing strategies used by various banks and other institutions.
  • It profiles the major banks in Vietnam's cards and payments industry.

Reasons To Buy

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

Table of Contents

1. Executive Summary

2. Analysis of Market Environment, Key Trends and Drivers

  • 2.1. Payment Infrastructure and Emerging Technology
    • 2.1.1. Rising internet penetration
    • 2.1.2. ATMs
    • 2.1.3. POS terminals
    • 2.1.4. Cards with enhanced security measures
  • 2.2. Business Drivers
    • 2.2.1. Growth in the retail sector
    • 2.2.2. Growth in e-commerce
  • 2.3. Economic Drivers
    • 2.3.1. GDP growth
    • 2.3.2. GDP per capita
    • 2.3.3. Inflation

3. Cards and Payments Industry Share Analysis

  • 3.1. Industry Overview
    • 3.1.1. Credit transfer
    • 3.1.2. Card transactions
    • 3.1.3. Cash transactions
    • 3.1.4. Direct debit
    • 3.1.5. Check payments

4. Regulatory Framework and Card Fraud Statistics

  • 4.1. Regulatory Framework
    • 4.1.1. Overview
    • 4.1.2. Anti money laundering (AML) and counter terrorist financing (CTF)
    • 4.1.3. FDI regulations
  • 4.2. Card Fraud Statistics
    • 4.2.1. Counterfeit card fraud
    • 4.2.2. Card-not-present fraud
    • 4.2.3. Card ID theft fraud
    • 4.2.4. Lost or stolen card fraud

5. Emerging Consumer Attitudes and Trends

  • 5.1. Industry Segmentation and Targeting
    • 5.1.1. Retail segment
    • 5.1.2. Corporate segment
  • 5.2. Travel and Tourism Spending
    • 5.2.1. Outbound tourist trips
    • 5.2.2. Outbound tourist spending
  • 5.3. Retail Card Spending
    • 5.3.1. Analysis by product categories
    • 5.3.2. Analysis by retail channel

6. Analysis of Card Payments and Growth Prospects

  • 6.1. Channel Share Analysis by Card Category
  • 6.2. Size and Forecast of the Card Payments Channel
    • 6.2.1. Analysis by number of cards in circulation
    • 6.2.2. Analysis by transaction value

7. Analysis of Credit Card Payments and Growth Prospects

  • 7.1. Overall Category Size and Forecast
    • 7.1.1. Analysis by number of cards in circulation
    • 7.1.2. Analysis by transaction value
    • 7.1.3. Analysis by transaction volume
  • 7.2. Transaction Share Analysis by Channel
    • 7.2.1. Analysis by transaction value
    • 7.2.2. Analysis by transaction volume
  • 7.3. Personal Credit Cards Segment Size and Forecast
    • 7.3.1. Analysis by number of cards in circulation
    • 7.3.2. Analysis by transaction value
    • 7.3.3. Analysis by transaction volume
  • 7.4. Commercial Credit Cards Segment Size and Forecast
    • 7.4.1. Analysis by number of cards in circulation
    • 7.4.2. Analysis by transaction value
    • 7.4.3. Analysis by transaction volume
  • 7.5. Competitive Landscape
    • 7.5.1. Scheme share analysis
    • 7.5.2. Issuer share analysis

8. Analysis of Debit Card Payments and Growth Prospects

  • 8.1. Overall Category Size and Forecast
    • 8.1.1. Analysis by number of cards in circulation
    • 8.1.2. Analysis by transaction value
    • 8.1.3. Analysis by transaction volume
  • 8.2. Transaction Share Analysis by Channel
    • 8.2.1. Analysis by transaction value
    • 8.2.2. Analysis by transaction volume
  • 8.3. Competitive Landscape
    • 8.3.1. Scheme share analysis
    • 8.3.2. Issuer share analysis

9. Analysis of Prepaid Card Payments and Growth Prospects

  • 9.1. Overall Category Size and Forecast
    • 9.1.1. Analysis by number of cards in circulation
    • 9.1.2. Analysis by transaction value
  • 9.2. Open-Loop Prepaid Cards Segment Size and Forecast
    • 9.2.1. Analysis by number of cards in circulation
    • 9.2.2. Analysis by transaction value
  • 9.3. Closed-Loop Prepaid Cards Segment Size and Forecast
    • 9.3.1. Analysis by number of cards in circulation
    • 9.3.2. Analysis by transaction value

10. Merchant Acquiring

11. Company Profiles of Card Issuers

  • 11.1. Agribank
    • 11.1.1. Key financials
    • 11.1.2. Card portfolio
    • 11.1.3. Strategies
  • 11.2. Vietcombank
    • 11.2.1. Key financials
    • 11.2.2. Card portfolio
    • 11.2.3. Strategies
  • 11.3. Asia Commercial Joint-Stock Bank (ACB)
    • 11.3.1. Key financials
    • 11.3.2. Card portfolio
    • 11.3.3. Strategies
  • 11.4. Sacombank
    • 11.4.1. Key financials
    • 11.4.2. Card portfolio
    • 11.4.3. Strategies
  • 11.5. VietinBank
    • 11.5.1. Key financials
    • 11.5.2. Card portfolio
    • 11.5.3. Strategies

12. Appendix

  • 12.1. Methodology
  • 12.2. Contact Timetric
  • 12.3. About Timetric
  • 12.4. Timetric's Services
  • 12.5. Definitions
  • 12.6. Disclaimer

List of Tables

  • Table 1: Vietnamese Payment Channels (VND Trillion), 2009-2013
  • Table 2: Market Entry Strategies of Foreign Banks
  • Table 3: Vietnamese Card Fraud (VND Billion), 2009-2013
  • Table 4: Vietnamese Cards for High-Income Customers
  • Table 5: Vietnamese Shopping Cards by Bank
  • Table 6: Vietnamese Travel Cards by Bank
  • Table 7: Vietnamese Cards Offered to Students and Women by Bank
  • Table 8: Vietnamese Cards Offered for Corporate Customers by Bank
  • Table 9: Vietnamese Consumer Card Spending by Product Category (VND Million), 2008 and 2012
  • Table 10: Vietnamese Consumer Card Spending by Retail Channel (VND Million), 2008 and 2012
  • Table 11: Vietnamese Card Payments Channel by Card Category (Thousand), 2009-2018
  • Table 12: Vietnamese Card Payments Channel Size by Volume of Cards (Million), 2009-2018
  • Table 13: Vietnamese Card Payments Channel Size by Transaction Value (VND Trillion), 2009-2018
  • Table 14: Vietnamese Card Payments Channel Size by Transaction Value (US$ Billion), 2009-2018
  • Table 15: Vietnamese Credit Cards Category Size by Volume of Cards (Thousand), 2009-2018
  • Table 16: Vietnamese Credit Cards Category Size by Transaction Value (VND Trillion), 2009-2018
  • Table 17: Vietnamese Credit Cards Category Size by Transaction Value (US$ Million), 2009-2018
  • Table 18: Vietnamese Credit Cards Category Size by Transaction Volume (Million), 2009-2018
  • Table 19: Vietnamese Personal Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Table 20: Vietnamese Personal Credit Cards Segment Size by Transaction Value (VND Trillion), 2009-2018
  • Table 21: Vietnamese Personal Credit Cards Segment Size by Transaction Value (US$ Million), 2009-2018
  • Table 22: Vietnamese Personal Credit Cards Segment Size by Transaction Volume (Million), 2009-2018
  • Table 23: Vietnamese Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Table 24: Vietnamese Commercial Credit Cards Segment Size by Transaction Value (VND Billion), 2009-2018
  • Table 25: Vietnamese Commercial Credit Cards Segment Size by Transaction Value (US$ Million), 2009-2018
  • Table 26: Vietnamese Commercial Credit Cards Segment Size by Transaction Volume (Thousand), 2009-2018
  • Table 27: Vietnamese Debit Cards Category Size by Volume of Cards (Million), 2009-2018
  • Table 28: Vietnamese Debit Cards Category Size by Transaction Value (VND Trillion), 2009-2018
  • Table 29: Vietnamese Debit Cards Category Size by Transaction Value (US$ Billion), 2009-2018
  • Table 30: Vietnamese Debit Cards Category Size by Transaction Volume (Million), 2009-2018
  • Table 31: Vietnamese Prepaid Cards Category Size by Volume of Cards (Thousand), 2009-2018
  • Table 32: Vietnamese Prepaid Cards Category Size by Transaction Value (VND Billion), 2009-2018
  • Table 33: Vietnamese Prepaid Cards Category Size by Transaction Value (US$ Million), 2009-2018
  • Table 34: Vietnamese Open-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Table 35: Vietnamese Open-Loop Prepaid Cards Segment Size by Transaction Value (VND Billion), 2009-2018
  • Table 36: Vietnamese Open-Loop Prepaid Cards Segment Size by Transaction Value (US$ Thousand), 2009-2018
  • Table 37: Vietnamese Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Table 38: Vietnamese Closed-Loop Prepaid Cards Segment Size by Transaction Value (VND Billion), 2009-2018
  • Table 39: Vietnamese Closed-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 2009-2018
  • Table 40: Agribank - Key Financial Indicators (VND Trillion), Year Ending December, 2010-2011
  • Table 41: Agribank - Card Portfolio and Key Features
  • Table 42: Vietcombank - Key Financial Indicators (VND Trillion), Year Ending December, 2011-2012
  • Table 43: Vietcombank - Card Portfolio and Key Features
  • Table 44: ACB - Key Financial Indicators (VND Trillion), Year Ending December, 2012-2013
  • Table 45: ACB - Card Portfolio and Key Features
  • Table 46: Sacombank - Key Financial Indicators (VND Trillion), Year Ending December, 2012-2013
  • Table 47: Sacombank - Card Portfolio and Key Features
  • Table 48: VietinBank - Key Financial Indicators (VND Trillion), Year Ending December, 2012-2013
  • Table 49: VietinBank - Card Portfolio and Key Features
  • Table 50: Key Definitions

List of Figures

  • Figure 1: Benchmarking the Vietnamese Card Payments Channel Against Other Asia-Pacific Markets
  • Figure 2: Vietnamese Growth of Various Card Categories (%), 2009-2018
  • Figure 3: Vietnamese Internet Penetration, 2009-2018
  • Figure 4: Vietnamese ATM Volume and Penetration, 2009-2018
  • Figure 5: Vietnamese POS Volume and Penetration, 2009-2018
  • Figure 6: Vietnamese Value of Retail Sales (VND Trillion), 2009-2018
  • Figure 7: Vietnamese E-commerce Value (VND Trillion), 2009-2013
  • Figure 8: Vietnamese Real GDP Growth (%), 2009-2018
  • Figure 9: Vietnamese Nominal GDP per Capita (US$), 2009-2018
  • Figure 10: Vietnamese Consumer Price Inflation Rate (%), 2009-2018
  • Figure 11: Vietnamese Shares of Different Payment Channels (%), 2009 and 2013
  • Figure 12: Vietnamese Card Fraud (%), 2009 and 2013
  • Figure 13: Vietnamese Counterfeit Card Fraud Value (VND Billion), 2009-2013
  • Figure 14: Vietnamese Card-Not-Present Fraud Value (VND Billion), 2009-2013
  • Figure 15: Vietnamese Card ID Theft Value (VND Billion), 2009-2013
  • Figure 16: Vietnamese Lost or Stolen Card Fraud Value (VND Billion), 2009-2013
  • Figure 17: Vietnamese Cards and Payments Industry Segmentation by Card Type
  • Figure 18: Vietnamese Volume of Outbound Tourist Trips (Thousand), 2009-2018
  • Figure 19: Vietnamese Outbound Tourist Spending (VND Trillion), 2009-2018
  • Figure 20: Vietnamese Consumer Card Spending by Product Category (%), 2012
  • Figure 21: Vietnamese Consumer Card Spending by Retail Channel (%), 2012
  • Figure 22: Vietnamese Card Payments Channel by Card Category (%), 2009-2018
  • Figure 23: Vietnamese Card Payments Channel Size by Volume of Cards (Million), 2009-2018
  • Figure 24: Vietnamese Card Payments Channel Size by Transaction Value (VND Trillion), 2009-2018
  • Figure 25: Vietnamese Credit Cards Category Volume and Penetration, 2009-2018
  • Figure 26: Vietnamese Credit Cards Category Size by Volume of Cards (Thousand), 2009-2018
  • Figure 27: Vietnamese Credit Cards Category Size by Transaction Value (VND Trillion), 2009-2018
  • Figure 28: Vietnamese Credit Cards Category Size by Transaction Volume (Million), 2009-2018
  • Figure 29: Vietnamese Credit Cards Transaction Value Share Analysis by Channel (VND Trillion), 2009-2018
  • Figure 30: Vietnamese Credit Cards Transaction Volume Share Analysis by Channel (Million), 2009-2018
  • Figure 31: Vietnamese Personal Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Figure 32: Vietnamese Personal Credit Cards Segment Size by Transaction Value (VND Trillion), 2009-2018
  • Figure 33: Vietnamese Personal Credit Cards Segment Size by Transaction Volume (Million), 2009-2018
  • Figure 34: Vietnamese Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Figure 35: Vietnamese Commercial Credit Cards Segment Size by Transaction Value (VND Billion), 2009-2018
  • Figure 36: Vietnamese Commercial Credit Cards Segment Size by Transaction Volume (Thousand), 2009-2018
  • Figure 37: Vietnamese Credit Cards Category Share by Scheme (%), 2012
  • Figure 38: Vietnamese Credit Cards Category Share by Issuer (%), 2012
  • Figure 39: Vietnamese Debit Cards Category Volume and Penetration, 2009-2018
  • Figure 40: Vietnamese Debit Cards Category Size by Volume of Cards (Million), 2009-2018
  • Figure 41: Vietnamese Debit Cards Category Size by Transaction Value (VND Trillion), 2009-2018
  • Figure 42: Vietnamese Debit Cards Category Size by Transaction Volume (Million), 2009-2018
  • Figure 43: Vietnamese Debit Cards Transaction Value Share Analysis by Channel (VND Trillion), 2009-2018
  • Figure 44: Vietnamese Debit Cards Transaction Volume Share Analysis by Channel (Million), 2009-2018
  • Figure 45: Vietnamese Debit Cards Category Share by Scheme (%), 2012
  • Figure 46: Vietnamese Debit Cards Category Share by Issuer (%), 2012
  • Figure 47: Vietnamese Prepaid Cards Category Volume and Penetration, 2009-2018
  • Figure 48: Vietnamese Prepaid Cards Category Size by Volume of Cards (Thousand), 2009-2018
  • Figure 49: Vietnamese Prepaid Cards Category Size by Transaction Value (VND Billion), 2009-2018
  • Figure 50: Vietnamese Open-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Figure 51: Vietnamese Open-Loop Prepaid Cards Segment Size by Transaction Value (VND Billion), 2009-2018
  • Figure 52: Vietnamese Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Figure 53: Vietnamese Closed-Loop Prepaid Cards Segment Size by Transaction Value (VND Billion), 2009-2018
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