The Cards and Payments Industry in Slovenia: Emerging Trends and Opportunities to 2020

Published: Jun, 2016 | Pages: 330 | Publisher: Timetric
Industry: Financial Services | Report Format: Electronic (PDF)

Synopsis
Timetric's 'The Cards and Payments Industry in Slovenia: Emerging Trends and Opportunities to 2020' report provides detailed analysis of market trends in the Slovenian cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including check payments, payment cards, cash transactions, direct debits and credit transfers during the review period (2011-2015).

The report also analyzes various payment card markets operating in the industry, and provides detailed information on the number of cards in circulation, and transaction values and volumes during the review period and over the forecast period (2016-2020). It also offers information on the country's competitive landscape, including the market shares of issuers and schemes.

The report brings together Timetric's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers details of regulatory policy and recent changes in the regulatory structure.

Summary
Timetric's 'The Cards and Payments Industry in Slovenia: Emerging Trends and Opportunities to 2020' report provides top-level market analysis, information and insights into the Slovenian cards and payments industry, including:

• Current and forecast values for each market in the Slovenian cards and payments industry, including debit, credit and charge cards.

• Detailed insights into payment instruments including credit transfers, direct debits, cash transactions, checks and payment cards. It also, includes an overview of the country's key alternative payment instruments.

• E-commerce market analysis.

• Analysis of various market drivers and regulations governing the Slovenian 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 in the Slovenian cards and payments industry.

Scope
• This report provides a comprehensive analysis of the Slovenian cards and payments industry.

• It provides current values for the Slovenian cards and payments industry for 2015, and forecast figures to 2020.

• It details the different demographic, economic, infrastructural and business drivers affecting the Slovenian cards and payments industry.

• It outlines the current regulatory framework in the industry.

• It details marketing strategies used by various banks and other institutions.

Reasons to Buy
• Make strategic business decisions, using top-level historic and forecast market data, related to the Slovenian cards and payments industry and each market within it.

• Understand the key market trends and growth opportunities in the Slovenian cards and payments industry.

• Assess the competitive dynamics in the Slovenian cards and payments industry.

• Gain insights into marketing strategies used for various card types in Slovenia.

• Gain insights into key regulations governing the Slovenian cards and payments industry.

Key Highlights
• Contactless payments are slowly gaining traction in Slovenia, as banks are increasingly offering contactless payment options to consumers. Most recently in March 2016, NLB partnered with the prepaid card solutions provider Prepaid Financial Services to launch a contactless prepaid MasterCard card and mobile sticker. NLB was the first bank in Slovenia to offer contactless payments, in November 2014. Similarly, Nova KBM started offering Visa and MasterCard contactless payment cards to its customers from February 2015. These cards can be used to make contactless payments without entering a PIN if the transaction amount is less than US$16.7 (EUR15).

• Contactless payments are also entering the country's transport sector. For instance, the Urbana mobile application was launched in April 2016, which can be used to top up the Urbana card - a prepaid card for electronic ticketing. The app can also be used to make contactless payments for Ljubljanski potniski promet (LPP) bus rides, check timetables, card balances and validity. The app is available to customers of all mobile operators and works on Android mobile phones with NFC connectivity. The city bus operator LPP offers the Urbana Card, which can be availed from the LPP Ticket Office and the Ljubljana Bus Station. This card can be used for an unlimited number of rides on all city bus routes, and also as a membership card for the Ljubljana City Library.

• To encourage merchants to install POS terminals in the country, the solution provides are now offering cost-effective mobile POS (mPOS) solutions. For instance, the mPOS solution provider Spire Payments and the payment solution provider TECS introduced an mPOS solution in Slovenia in March 2016. This solution supports both payWave and PayPass, and can be used to make NFC and contactless payments. This mPOS solution is suitable for the needs of micro merchants and SMEs, and has also been launched in other European countries including Austria, Germany, the Czech Republic, the Slovak Republic and Italy.

 Table of Contents

1 Definitions and Methodology
1.1 Definitions
1.2 Methodology
2 Key Facts and Events
3 Executive Summary
4 Payment Instruments
4.1 Current Payment Environment
5 E-Commerce
5.1 E-Commerce Market Analysis
6 Alternative Payments
6.1 Alternative Payment Instruments
6.1.1 Skrill Digital Wallet
6.1.2 Moneta
6.1.3 PayPal
6.1.4 Fondy
7 Regulations in the Cards and Payments Industry
7.1 Regulatory Framework
7.2 Anti-Money Laundering (AML)
7.3 Foreign Direct Investment (FDI) Regulations
8 Analysis of Cards and Payments Industry Drivers
8.1 Demographic Drivers
8.2 Economic Drivers
8.3 Infrastructure Drivers
8.4 Business Drivers
9 Market Segmentation
9.1 Market Segmentation and Targeting
9.1.1 Consumer cards
9.1.2 Commercial cards
10 Payment Cards
10.1 Payment Cards Analysis
10.1.1 Volume and value of payment card transactions by type
11 Debit Cards
11.1 Debit Card Market Analysis
11.1.1 Turnover per debit card and transaction values by channel
11.1.2 Debit card scheme and issuer shares in terms of transaction value
11.1.3 Debit cards comparison
12 Pay Later Cards
12.1 Pay Later Cards Market Analysis
12.1.1 Turnover per pay later card and transaction values by channel
12.1.2 Pay later card scheme and issuer shares in terms of transaction value
12.1.3 Pay later cards comparison
13 Commercial Pay Later Cards
13.1 Commercial Pay Later Card Market Analysis
13.1.1 Commercial pay later cards comparison
14 Prepaid Cards
14.1 Prepaid Card Market Analysis
14.1.1 Prepaid cards comparison
15 Appendix
15.1 Tables
15.2 Contact Timetric
15.3 About Timetric
15.4 Timetric's Services
15.5 Disclaimer

List of Tables
Table 1: Key Definitions
Table 2: Annual Average Exchange Rate
Table 3: Slovenia - Key Facts, 2015
Table 4: Regional Benchmarking of Slovenia's Payment Cards, 2015
Table 5: Slovenia - Mode of Entry of Foreign Banks
Table 6: Cards for High-Income Consumers, 2016
Table 7: Cards for Students and Young Population, 2016
Table 8: Commercial Cards Comparison and Key Features, 2016
Table 9: Slovenia - Debit Cards Comparison and Key Features, 2016
Table 10: Slovenia - Gold Credit Cards Comparison and Key Features, 2016
Table 11: Slovenia - Premium Credit Cards Comparison and Key Features, 2016
Table 12: Slovenia - Commercial Pay Later Cards Comparison and Key Features, 2016
Table 13: Slovenia - Prepaid Cards Comparison and Key Features, 2016
Table 14: Slovenia - Payment Instrument Transaction Values (EUR Billion), 2011-2015
Table 15: Slovenia - Payment Instrument Transaction Values (US$ Billion), 2011-2015
Table 16: Slovenia - Payment Instrument Transaction Volumes (Million), 2011-2015
Table 17: Slovenia - Number of Payment Cards in Circulation by Type (Thousand), 2011-2020
Table 18: Slovenia - Volume of Payment Card Transactions by Type (Million), 2011-2020
Table 19: Slovenia - Value of Payment Card Transactions by Type (EUR Billion), 2011-2020
Table 20: Slovenia - Value of Payment Card Transactions by Type (US$ Billion), 2011-2020
Table 21: Slovenia - Number of Debit Cards in Circulation (Million), 2011-2020
Table 22: Slovenia - Debit Card Transaction Volumes and Frequency by Channel, 2011-2020
Table 23: Slovenia - Debit Card Total and Average Transaction Values by Channel, 2011-2020
Table 24: Slovenia - Debit Card Total and Average Transaction Values by Channel, 2011-2020
Table 25: Slovenia - Number of Debit Cards in Circulation by Scheme (Thousand), 2011-2015
Table 26: Slovenia - Debit Card Transaction Values by Scheme (EUR Billion), 2011-2015
Table 27: Slovenia - Debit Card Transaction Values by Scheme (US$ Billion), 2011-2015
Table 28: Slovenia - Debit Card Transaction Values by Issuer (EUR Billion), 2011-2015
Table 29: Slovenia - Debit Card Transaction Values by Issuer (US$ Billion), 2011-2015
Table 30: Slovenia - Number of Pay Later Cards in Circulation (Thousand), 2011-2020
Table 31: Slovenia - Pay Later Card Transaction Volumes and Frequency by Channel, 2011-2020
Table 32: Latvia - Pay Later Card Total and Average Transaction Values by Channel, 2011-2020
Table 33: Latvia - Pay Later Card Total and Average Transaction Values by Channel, 2011-2020
Table 34: Slovenia - Number of Pay Later Cards in Circulation By Scheme (Thousand), 2011-2015
Table 35: Slovenia - Pay Later Card Transaction Values By Scheme (EUR Million), 2011-2015
Table 36: Slovenia - Pay Later Card Transaction Values By Scheme (US$ Million), 2011-2015
Table 37: Slovenia - Pay Later Card Transaction Values by Issuer (EUR Billion), 2011-2015
Table 38: Slovenia - Pay Later Card Transaction Values by Issuer (US$ Billion), 2011-2015
Table 39: Slovenia - Number of Credit Cards in Circulation (Thousand), 2011-2020
Table 40: Slovenia - Credit Card Transaction Volumes and Frequency by Channel, 2011-2020
Table 41: Slovenia - Credit Card Total and Average Transaction Values by Channel, 2011-2020
Table 42: Slovenia - Credit Card Total and Average Transaction Values by Channel, 2011-2020
Table 43: Slovenia - Number of Credit Cards in Circulation by Scheme (Thousand), 2011-2015
Table 44: Slovenia - Credit Card Transaction Values by Scheme (EUR Million), 2011-2015
Table 45: Slovenia - Credit Card Transaction Values by Scheme (US$ Million), 2011-2015
Table 46: Slovenia - Number of Charge Cards in Circulation (Thousand), 2011-2020
Table 47: Slovenia - Charge Card Transaction Volumes and Frequency by Channel, 2011-2020
Table 48: Slovenia - Charge Card Total and Average Transaction Values by Channel, 2011-2020
Table 49: Slovenia - Charge Card Total and Average Transaction Values by Channel, 2011-2020
Table 50: Slovenia - Number of Charge Cards in Circulation by Scheme (Thousand), 2011-2015
Table 51: Slovenia - Charge Card Transaction Values by Scheme (EUR Billion), 2011-2015
Table 52: Slovenia - Charge Card Transaction Values by Scheme (US$ Billion), 2011-2015
Table 53: Slovenia - Personal and Commercial Pay Later Cards Transaction Volumes (Million), 2011-2020
Table 54: Slovenia - Personal and Commercial Pay Later Cards Transaction Values (EUR Billion), 2011-2020
Table 55: Slovenia - Personal and Commercial Pay Later Cards Transaction Values (US$ Billion), 2011-2020
Table 56: Slovenia - Number of Commercial Pay Later Cards in Circulation (Thousand), 2011-2020
Table 57: Slovenia - Commercial Pay Later Cards Transaction Volumes (Million), 2011-2020
Table 58: Slovenia - Commercial Pay Later Cards Transaction Values (EUR Million), 2011-2020
Table 59: Slovenia - Commercial Pay Later Cards Transaction Values (US$ Million), 2011-2020
Table 60: Slovenia - Number of Prepaid Cards in Circulation (Thousand), 2011-2020
Table 61: Slovenia - Prepaid Card Transaction Values (EUR Million), 2011-2020
Table 62: Slovenia - Prepaid Card Transaction Values (US$ Million), 2011-2020