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ブラジルのカード・決済産業:新たな動向と市場機会

The Cards and Payments Industry in Brazil: Emerging trends and opportunities to 2020

発行 GlobalData 商品コード 336236
出版日 ページ情報 英文 58 Pages
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ブラジルのカード・決済産業:新たな動向と市場機会 The Cards and Payments Industry in Brazil: Emerging trends and opportunities to 2020
出版日: 2017年08月01日 ページ情報: 英文 58 Pages
概要

当レポートでは、ブラジルの各種カード・決済手段を取り上げ、主な決済手段や産業における規制などの全般的な産業構造をまとめ、産業発展のための促進要因を分析し、カードの種類別に市場分析を行って2014年の実績および2019年までの予測を提示するととともに、カードに係わる犯罪の動向をまとめています。

第1章 定義と調査手法

  • 定義
  • 調査手法

第2章 主な情報とできごと

第3章 エグゼクティブサマリー

第4章 決済構造

  • 現行の決済環境
  • 代替決済手段
    • Boleto Bancario
    • Oi Paggo
    • MercadoPago
    • Ukash
    • PayPal
    • MasterPass

第5章 カード・決済産業における規制

  • 規制の枠組み
  • マネーロンダリング防止(AML)
  • 外国直接投資(FDI)規制

第6章 カード・決済産業発展促進要因の分析

  • 人口動態的促進要因
  • 経済的促進要因
  • インフラ促進要因
  • ビジネス促進要因

第7章 市場区分と新製品投入

  • 市場区分とターゲッティング
    • 消費者カード
    • コマーシャルカード
  • 新製品投入

第8章 決済カード

  • 決済カードの分析
    • 決済カード取引量と金額、タイプ別
    • 個人用 VS コマーシャルカード

第9章 デビットカード

  • デビットカード市場の分析
    • デビットカード取引量と金額、タイプ別
    • デビットカードのシェア、発効カード数および取引額に対する
    • デビットカード発行者の市場シェア
    • デビットカードの比較

第10章 クレジットカード

  • クレジットカード市場の分析
    • クレジットカード取引量と金額、タイプ別
    • クレジットカードのシェア、発効カード数および取引額に対する
    • クレジットカード発行者の市場シェア
    • クレジットカードの比較

第11章 チャージカード(特定店専用クレジットカード)

  • チャージカード市場の分析
    • チャージカード取引量と金額、タイプ別
    • チャージカードのシェア、発効カード数および取引額に対する
    • チャージカードの比較

第12章 コマーシャルカード

  • コマーシャルカード市場の分析
    • コマーシャルカードの比較

第13章 カード詐欺の統計

  • カード詐欺の分析

第14章 カード発行企業

  • Banco Bradesco
  • Itau UniBanco
  • Caixa Economica Federal
  • Banco do Brasil
  • Banco Santander Brasil

第15章 プリペイドカード

  • プリペイドカード市場の分析
    • プリペイドカードの比較

第16章 カード加盟店

  • カード加盟店市場の分析

第17章 付録

図表リスト

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目次
Product Code: VR1223MR

In 2016, debit card penetration in Brazil stood at 159.6, the highest in comparison to its regional peers - Chile with 122.2, Mexico with 113.3, Venezuela with 92.4, Argentina with 91.5, and Colombia with 49.6. Peru had the lowest penetration with 47.3. Despite the country's economic progress, cash remains the primary payment instrument, as a portion of population - especially in rural areas - still do not have access to basic financial services. However, payment cards are emerging as a substitute for cash, as the government and banks begin to provide basic financial access to the unbanked population.

Pay-later card penetration in Brazil measured 83.5 cards per 100 individuals in 2016, compared to its peers: Argentina (87.0), Chile (74.4), Venezuela (59.1), Colombia (30.4), Mexico (25.1), and Peru (21.8). The growing lower- and middle-class populations have fueled credit card penetration. In November 2010, the National Monetary Council made it compulsory for banks to provide basic credit cards with lower annual fees than cards offering benefits or rewards such as air miles or insurance cover.

Brazilian e-commerce market posted a review-period (2012-16) compound annual growth rate (CAGR) of 21.42%, growing from $7.40bn (BRL24.10bn) in 2012 to $16.10bn (BRL52.40bn) in 2016, and is anticipated to reach $23.10bn (BRL75.10bn) by 2020. Payment cards remain the most popular payment method among online shoppers, accounting for 66.3% of the total e-commerce transaction value in 2016.

Banco Central do Brasil, the country's central bank, has simplified the process of opening a bank account, facilitating access to basic banking products such as bank accounts and debit cards. Accounts can be opened by individuals free of charge in government-owned banks, with no maintenance fee charged. Furthermore, the government has introduced the Bolsa Familia program to help low-income families.

The report "The Cards and Payments Industry in Brazil: Emerging trends and opportunities to 2020" provides detailed analysis of market trends in the Brazilian cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, payment cards, cash, direct debits, and cheques during the review-period (2012-16e).

In particular, this report provides the following analysis -

  • Current and forecast values for each market in the Brazilian cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including credit transfers, cash, cheques, direct debit, and payment cards. It also, includes an overview of the country's key alternative payment instruments.
  • E-commerce market analysis and payment methods.
  • Analysis of various market drivers and regulations governing the Brazilian cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.

Companies mentioned in this report: Caixa Economica Federal, Banco Bradesco, Banco do Brasil, Banco Santander, Itau Unibanco, Visa, Mastercard, American Express, Diners Club, Hipercard, Elo, Cielo, Banrisul.

Scope

  • To increase credit card use, the National Monetary Council has implemented a number of measures in the form of reducing fees and interest rates on credit card transactions. Most recently in January 2017, it introduced restrictions to revolving credit lines offered by credit card issuers. Under the new rule, whenever credit card holders enter a revolving credit pattern and are unable to pay off the debt within the first 30 days, the bank has to offer a credit instalment option to pay off the outstanding balance, with lower interest rates. Card issuers were given a deadline of April 3, 2017 to comply with the rule.
  • The uptake of alternative payments is gradually increasing in Brazil, with banks and payment solution providers launching products and services in the market. Samsung launched its mobile payment service Samsung Pay in Brazil in July 2016. The service is supported by major banks such as CEF, Banco do Brasil, Brasil Pre-Pagos, Porto Seguro, and Banco Santander Brasil. Visa launched the Visa Checkout service in Brazil in October 2015. Visa Checkout is a payment solution that stores users' payment and shipping details, providing faster checkout on partner merchants' websites or apps. Similarly, Mastercard launched its Masterpass payment solution in Brazil in July 2015.
  • The emergence of digital banks is likely to accelerate a shift towards electronic payments in Brazil. Brazil-based fintech company Contro.ly launched its mobile-only bank Neon in July 2016. Customers use facial recognition to access their account, as well as to perform additional transactions such as transfers and payments. When customers sign up, they have to enroll in biometric authentication with their mobile phone by taking a selfie, which will be used for future authentications. Previously Nubank, the country's first mobile-only bank, was launched in September 2014, which also enables consumers to conduct banking transactions through their mobile phones.

Reasons to buy

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

Table of Contents

Table of Contents

  • 1. EXECUTIVE SUMMARY 2
  • 1.1. Market overview 2
  • 1.2. Key facts 3
  • 1.3. Top five industry events 4
  • 2. PAYMENT INSTRUMENTS 10
  • 2.1. Current payment environment 10
  • 3. E-COMMERCE AND ALTERNATIVE PAYMENTS 12
  • 3.1. E-commerce market analysis 12
  • 3.2. Alternative payment solutions 13
  • 3.2.1. PayPal 13
  • 3.2.2. Masterpass 13
  • 3.2.3. Visa Checkout 13
  • 3.2.4. Samsung Pay 14
  • 3.2.5. Boleto Bancario 14
  • 3.2.6. Oi Paggo 14
  • 3.2.7. MercadoPago 14
  • 3.2.8. Stelo 15
  • 4. REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY 16
  • 4.1. Regulatory framework 16
  • 4.2. Anti-money laundering 17
  • 4.3. Foreign direct investment regulations 17
  • 5. ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS 18
  • 6. PAYMENT CARDS 21
  • 7. DEBIT CARDS 23
  • 7.1. Debit card market analysis 23
  • 7.2. Competition in the debit card market 25
  • 7.3. Debit card comparison 27
  • 8. PAY-LATER CARDS 28
  • 8.1. Pay-later card market analysis 28
  • 8.2. Competition in the pay-later card market 30
  • 8.3. Pay-later card comparison 32
  • 9. PREPAID CARDS 33
  • 10. MERCHANT ACQUIRING 35
  • 11. APPENDIX 37
  • 11.1. Abbreviations and acronyms 37
  • 11.2. Supplementary data 38
  • 11.3. Definitions 52
  • 11.4. Methodology 54
  • 11.5. Bibliography 56
  • 11.6. Further reading 56

List of Tables

List of Tables

  • Table 1: Brazil: key facts, 2016 3
  • Table 2: Brazil: regional benchmarking of payment cards, 2016 3
  • Table 3: Brazil: mode of entry of foreign banks 17
  • Table 4: Brazil: debit card comparison and key features, 2017 27
  • Table 5: Brazil: gold credit cards comparison and key features, 2017 32
  • Table 6: Brazil: premium credit cards comparison and key features, 2017 32
  • Table 7: Brazil: charge cards comparison and key features, 2017 32
  • Table 8: Brazil: payment instrument transaction values (BRLbn), 2012-16e 38
  • Table 9: Brazil: payment instrument transaction values ($bn), 2012-16e 38
  • Table 10: Brazil: payment instrument transaction volumes (billions), 2012-16e 38
  • Table 11: Brazil: payment cards in circulation by type (millions), 2012-20f 38
  • Table 12: Brazil: volume of payment card transactions (millions), 2012-20f 39
  • Table 13: Brazil: value of payment card transactions (BRLbn), 2012-20f 39
  • Table 14: Brazil: value of payment card transactions ($bn), 2012-20f 39
  • Table 15: Brazil: debit cards in circulation (millions), 2012-20f 39
  • Table 16: Brazil: debit card transaction volumes, 2012-20f 40
  • Table 17: Brazil: debit card transaction values (BRL), 2012-20f 40
  • Table 18: Brazil: debit card transaction values ($), 2012-20f 40
  • Table 19: Brazil: debit cards in circulation by scheme (millions), 2012-16e 41
  • Table 20: Brazil: debit card transaction values by scheme (BRLbn), 2012-16e 41
  • Table 21: Brazil: debit card transaction values by scheme ($bn), 2012-16e 41
  • Table 22: Brazil: debit card transaction values by issuer (BRLbn), 2012-16e 41
  • Table 23: Brazil: debit card transaction values by issuer ($bn), 2012-16e 42
  • Table 24: Brazil: pay-later cards in circulation (millions), 2012-20f 42
  • Table 25: Brazil: pay-later card transaction volumes, 2012-20f 42
  • Table 26: Brazil: pay-later card transaction values (BRL), 2012-20f 42
  • Table 27: Brazil: pay-later card transaction values ($), 2012-20f 43
  • Table 28: Brazil: pay-later cards in circulation by scheme (millions), 2012-16e 43
  • Table 29: Brazil: pay-later card transaction values by scheme (BRLbn), 2012-16e 43
  • Table 30: Brazil: pay-later card transaction values by scheme ($bn), 2012-16e 44
  • Table 31: Brazil: pay-later card transaction values by issuer (BRLbn), 2012-16e 44
  • Table 32: Brazil: pay-later card transaction values by issuer ($bn), 2012-16e 44
  • Table 33: Brazil: credit cards in circulation (millions), 2012-20f 45
  • Table 34: Brazil: credit card transaction volumes, 2012-20f 45
  • Table 35: Brazil: credit card transaction values (BRL), 2012-20f 45
  • Table 36: Brazil: credit card transaction values ($), 2012-20f 45
  • Table 37: Brazil: credit cards in circulation by scheme (millions), 2012-16e 46
  • Table 38: Brazil: credit card transaction values by scheme (BRLbn), 2012-16e 46
  • Table 39: Brazil: credit card transaction values by scheme ($bn), 2012-16e 46
  • Table 40: Brazil: charge cards in circulation (000s), 2012-20f 46
  • Table 41: Brazil: charge card transaction volumes, 2012-20f 47
  • Table 42: Brazil: charge card transaction values (BRL), 2012-20f 47
  • Table 43: Brazil: charge card transaction values ($), 2012-20f 47
  • Table 44: Brazil: charge cards in circulation by scheme (000s), 2012-16e 48
  • Table 45: Brazil: charge card transaction values by scheme (BRLm), 2012-16e 48
  • Table 46: Brazil: charge card transaction values by scheme ($m), 2012-16e 48
  • Table 47: Brazil: prepaid cards in circulation (millions), 2012-20f 48
  • Table 48: Brazil: prepaid card transaction values (BRLbn), 2012-20f 48
  • Table 49: Brazil: prepaid card transaction values ($m), 2012-20f 48
  • Table 50: Brazil: merchant acquiring transaction volumes (billions), 2012-20f 49
  • Table 51: Brazil: merchant acquiring transaction values (BRLbn), 2012-20f 49
  • Table 52: Brazil: merchant acquiring transaction values ($bn), 2012-20f 49
  • Table 53: Brazil: acquirers' transaction volumes (millions), 2011-15 49
  • Table 54: Brazil: acquirers' transaction values (BRLm), 2011-15 50
  • Table 55: Brazil: acquirers' transaction values ($m), 2011-15 50
  • Table 56: Brazil: retail outlets and card-accepting merchants (millions), 2012-20f 50
  • Table 57: Brazil: debit card average interchange fees (%), 2011-15 50
  • Table 58: Brazil: debit card merchant service charge and interchange fee (%), 2012-20f 50
  • Table 59: Brazil: pay-later card average interchange fees (%), 2011-15 51
  • Table 60: Brazil: pay-later card merchant service charge and interchange fee (%), 2012-20f 51
  • Table 61: Key definitions 52

List of Figures

List of Figures

  • Figure 1: Brazil: payment instrument shares by transaction value (%), 2012 vs 2016 10
  • Figure 2: Brazil: payment instrument shares by transaction volume (%), 2012 vs 2016 11
  • Figure 3: Brazil: e-commerce value, 2016 12
  • Figure 4: Brazil: population and economic indicators 18
  • Figure 5: Brazil: ATMs, POS terminals, and household consumption 19
  • Figure 6: Brazil: payment card transaction value and cards in circulation, 2012-20f 21
  • Figure 7: Brazil: debit card penetration and turnover per card 23
  • Figure 8: Brazil: debit card scheme and issuer transaction value shares, 2016 25
  • Figure 9: Brazil: pay-later card penetration and turnover per card 28
  • Figure 10: Brazil: pay-later card scheme and issuer transaction value shares, 2016 30
  • Figure 11: Brazil: prepaid cards in circulation and transaction value, 2012-20f 33
  • Figure 12: Brazil: merchant acquiring transaction volume and value, 2012-20f 35
  • Figure 13: Brazil: acquirers' market share in terms of transaction volume and value (%), 2015 36
  • Figure 14: Brazil: average merchant service charge and interchange fee (%), 2012-20f 36
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