The Netherlands Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

Published: Mar, 2014 | Pages: 101 | Publisher: Timetric
Industry: Financial Services | Report Format: Electronic (PDF)

Synopsis
The report provides top-level market analysis, information and insights on the Dutch cards and payments industry, including:
Current and forecast values for each category of the Dutch cards and payments industry, including debit cards, credit cards, charge cards and prepaid cards
Comprehensive analysis of the industry's market attractiveness and future growth areas
Analysis of various market drivers and regulations governing the Netherlands' cards and payments industry
Detailed analysis of the marketing strategies adopted for selling debit, credit , charge 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 the Dutch cards and payments industry

Summary
The Dutch card payments channel grew moderately both in terms of value and volume during the review period. In terms of the number of cards in circulation, the channel grew from 58.8 million cards in 2009 to 60.6 million in 2013, at a CAGR of 0.75%. Although the charge cards category had the smallest channel share of 0.2% in 2013, it registered the highest review-period CAGR of 7.28%, followed by the prepaid and debit card categories.
In terms of transaction value, the card payments channel grew at a marginal CAGR of 0.87% during the review period from EUR148.4 billion (US$206.2 billion) in 2009 to EUR153.6 billion (US$203.7 billion) in 2013. The channel is expected to post a forecast-period CAGR of 1.74%, from EUR154.4 billion (US$208.3 billion) in 2014 to EUR165.4 billion (US$233.0 billion) in 2018.
Despite the global financial slowdown, outbound travel expenditure among the retail and corporate segments increased during the review period from EUR14.8 billion (US$20.6 billion) in 2009 to EUR15.9 billion (US$21.1 billion) in 2013 and is anticipated to increase over the forecast period, fuelling the growth of the card payments channel. The Dutch card payments channel was dominated by the prepaid cards category, which accounted for 49.6% of the channel in 2013. The second-largest channel share was held by the debit cards category with 41.0%, and the credit cards category with 9.2%. The charge cards category held the smallest channel share of 0.2%.
Scope
This report provides a comprehensive analysis of the Dutch cards and payments industry.
It provides current values for the Dutch cards and payments industry for 2013, and forecast figures for 2018.
It details the different economic, infrastructural and business drivers affecting the Dutch 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 the Dutch cards and payments industry.
Reason To Buy
Make strategic business decisions using top-level historic and forecast market data related to the Dutch cards and payments industry and each market within it.
Understand the key market trends and growth opportunities within the Dutch cards and payments industry.
Assess the competitive dynamics in the Dutch cards and payments industry.
Gain insights in to the marketing strategies used for selling various card types in the Netherlands.
Gain insights into key regulations governing the Dutch cards and payments industry.

Key Highlights
In terms of the number of cards in circulation, the Dutch card payments channel posted a review-period CAGR of 0.75% increasing from 58.8 million cards in 2009 to 60.6 million in 2013 and is expected to post a forecast-period CAGR of 2.06% to reach 66.7 million in 2018.
In terms of transaction value, the card payments channel grew at a marginal CAGR of 0.87% during the review period from EUR148.4 billion (US$206.2 billion) in 2009 to EUR153.6 billion (US$203.7 billion) in 2013. The channel is expected to post a forecast-period CAGR of 1.74%, from EUR154.4 billion (US$208.3 billion) in 2014 to EUR165.4 billion (US$233.0 billion) in 2018.
The Dutch card payments channel was dominated by the prepaid cards category, which accounted for 49.6% of the channel in 2013. The second-largest channel share was held by the debit cards category with 41.0%, and the credit cards category with 9.2%. The charge cards category held the smallest channel share of 0.2%.
The number of debit cards is expected to increase from 25.0 million cards in circulation in 2014 to 25.5 million in 2018, at a forecast-period CAGR of 0.50%. The charge cards category posted the highest growth at a review-period CAGR of 7.28% and is forecast to post a forecast-period CAGR of 0.78%, rising from 119,063 cards in 2014 to 122,806 cards in 2018. Over the forecast period, the prepaid cards category is anticipated to post the highest CAGR of 3.75%, increasing from 30.9 million cards in 2009 to 35.7 million in 2018.

 1 Executive Summary
2 Alysis of Market Environment, Key Trends and Drivers
2.1 Payment Infrastructure and Emerging Technologies
2.1.1 Rising internet penetration
2.1.2 Rising mobile penetration and m-payments
2.1.3 Adoption of EMV infrastructure
2.1.4 Point of sale (POS) termils
2.1.5 Automated teller machines (ATMs)
2.2 Business Drivers
2.2.1 Growth in retail industry
2.2.2 Growth in e-commerce
2.3 Economic Drivers
2.3.1 GDP
2.3.2 GDP per capita
2.3.3 Inflation
3 Cards and Payments Industry Share Alysis
3.1 Industry Overview
3.1.1 Cash
3.1.2 Card
3.1.3 Credit transfer
3.1.4 Direct debit
4 Regulatory Framework and Card Fraud Statistics
4.1 Regulatory Framework
4.1.1 Oversight
4.2 SEPA Cards Framework
4.2.1 Foreign direct investment (FDI) regulations
4.3 Card Fraud Statistics
4.3.1 Card-not-present fraud
4.3.2 Counterfeit cards
4.3.3 Lost or stolen cards
4.3.4 Card ID theft
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 Alysis by product categories
5.3.2 Alysis by retail channels
6 Alysis of Card Payments and Growth Prospects
6.1 Channel Share Alysis by Card Category
6.2 Size and Forecast of the Card Payments Channel
6.2.1 Alysis by number of cards in circulation
6.2.2 Alysis by transaction value
7 Alysis of Credit Card Payments and Growth Prospects
7.1 Overall Category Size and Forecast
7.1.1 Alysis by number of cards in circulation
7.1.2 Alysis by transaction value
7.1.3 Alysis by transaction volume
7.2 Transaction Share Alysis by Channel
7.2.1 Alysis by transaction value
7.2.2 Alysis by transaction volume
7.3 Persol Credit Cards Segment Size and Forecast
7.3.1 Alysis by number of cards in circulation
7.3.2 Alysis by transaction value
7.3.3 Alysis by transaction volume
7.4 Commercial Credit Cards Segment Size and Forecast
7.4.1 Alysis by number of cards in circulation
7.4.2 Alysis by transaction value
7.4.3 Alysis by transaction volume
7.5 Competitive Landscape
7.5.1 Scheme share alysis
7.5.2 Issuer share alysis
8 Alysis of Debit Card Payments and Growth Prospects
8.1 Overall Category Size and Forecast
8.1.1 Alysis by number of cards in circulation
8.1.2 Alysis by transaction value
8.1.3 Alysis by transaction volume
8.2 Transaction Share Alysis by Channel
8.2.1 Alysis by transaction value
8.2.2 Alysis by transaction volume
8.3 Competitive Landscape
8.3.1 Scheme share alysis
8.3.2 Issuer share alysis
9 Alysis of Charge Card Payments and Growth Prospects
9.1 Overall Category Size and Forecast
9.1.1 Alysis by number of cards in circulation
9.1.2 Alysis by transaction value
9.1.3 Alysis by transaction volume
9.2 Transaction Share Alysis by Channel
9.2.1 Alysis by transaction value
9.2.2 Alysis by transaction volume
9.3 Persol Charge Cards Category Size and Forecast
9.3.1 Alysis by number of cards in circulation
9.3.2 Alysis by transaction value
9.3.3 Alysis by transaction volume
9.4 Commercial Charge Cards Segment Size and Forecast
9.4.1 Alysis by number of cards in circulation
9.4.2 Alysis by transaction value
9.4.3 Alysis by transaction volume
9.5 Competitive Landscape
9.5.1 Scheme share alysis
10 Alysis of Prepaid Card Payments and Growth Prospects
10.1 Overall Category Size and Forecast
10.1.1 Alysis by number of cards in circulation
10.1.2 Alysis by transaction value
10.2 Open-Loop Prepaid Cards Segment Size and Forecast
10.2.1 Alysis by number of cards in circulation
10.2.2 Alysis by transaction value
10.3 Closed-Loop Prepaid Cards Segment Size and Forecast
10.3.1 Alysis by number of cards in circulation
10.3.2 Alysis by transaction value
11 Merchant Acquiring
11.1 Merchant Acquirers in the Netherlands
12 Company Profiles of Card Issuers
12.1 ABN Amro Bank NV
12.1.1 Key fincials
12.1.2 Card portfolio
12.1.3 Strategies
12.2 Rabobank
12.2.1 Key fincials
12.2.2 Card portfolio
12.2.3 Strategies
12.3 ING Bank
12.3.1 Key fincials
12.3.2 Card portfolio
12.3.3 Strategies
12.4 SNS Bank
12.4.1 Key fincials
12.4.2 Card portfolio
12.4.3 Strategies
12.5 DHB Bank
12.5.1 Key fincials
12.5.2 Card portfolio
12.5.3 Strategies
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric's Services
13.5 Definitions
13.6 Disclaimer


List of Tables
Table 1: Dutch Payment Channels (EUR Billion), 2009-2013
Table 2: Market Entry Strategies of Foreign Banks
Table 3: Dutch Card Fraud (EUR Million), 2009-2013
Table 4: Dutch Student Cards by Bank, 2014
Table 5: Cards Offered to Spending Cautious Individuals in The Netherlands
Table 6: Dutch Cards Offered to HNWIs by Bank, 2014
Table 7: Travel Cards Offered for The Dutch Business Customers
Table 8: Dutch Card Spending by Retail Product Category (EUR Million), 2008-2012
Table 9: Dutch Card Spending by Retail Channel (EUR Million), 2008-2012
Table 10: Dutch Card Payments Channel by Card Category (Million), 2009-2018
Table 11: Dutch Card Payments Channel Size by Volume of Cards (Million), 2009-2018
Table 12: Dutch Card Payments Channel Size by Transaction Value (EUR Billion), 2009-2018
Table 13: Dutch Card Payments Channel Size by Transaction Value (US$ Billion), 2009-2018
Table 14: Dutch Credit Cards Category Size by Volume of Cards (Million), 2009-2018
Table 15: Dutch Credit Cards Category Size by Transaction Value (EUR Billion), 2009-2018
Table 16: Dutch Credit Cards Category Size by Transaction Value (US$ Billion), 2009-2018
Table 17: Dutch Credit Cards Category Size by Transaction Volume (Million), 2009-2018
Table 18: Dutch Persol Credit Cards Segment Size by Volume of Cards (Million), 2009-2018
Table 19: Dutch Persol Credit Cards Segment Size by Transaction Value (EUR Billion), 2009-2018
Table 20: Dutch Persol Credit Cards Segment Size by Transaction Value (US$ Billion), 2009-2018
Table 21: Dutch Persol Credit Cards Segment Size by Transaction Volume (Million), 2009-2018
Table 22: Dutch Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
Table 23: Dutch Commercial Credit Cards Segment Size by Transaction Value (EUR Million), 2009-2018
Table 24: Dutch Commercial Credit Cards Segment Size by Transaction Value (US$ Million), 2009-2018
Table 25: Dutch Commercial Credit Cards Segment Size by Transaction Volume (Million), 2009-2018
Table 26: Dutch Debit Cards Category Size by Volume of Cards (Million), 2009-2018
Table 27: Dutch Debit Cards Category Size by Transaction Value (EUR Billion), 2009-2018
Table 28: Dutch Debit Cards Category Size by Transaction Value (US$ Billion), 2009-2018
Table 29: Dutch Debit Cards Category Size by Transaction Volume (Billion), 2009-2018
Table 30: Dutch Charge Cards Category Size by Volume of Cards (Thousand), 2009-2018
Table 31: Dutch Charge Cards Category Size by Transaction Value (EUR Million), 2009-2018
Table 32: Dutch Charge Cards Category Size by Transaction Value (US$ Million), 2009-2018
Table 33: Dutch Charge Cards Category Size by Transaction Volume (Million), 2009-2018
Table 34: Dutch Persol Charge Cards Segment Size by Volume of Cards (Thousand), 2009-2018
Table 35: Dutch Persol Charge Cards Segment Size by Transaction Value (EUR Million), 2009-2018
Table 36: Dutch Persol Charge Cards Segment Size by Transaction Value (US$ Million), 2009-2018
Table 37: Dutch Persol Charge Cards Segment Size by Transaction Volume (Thousand), 2009-2018
Table 38: Dutch Commercial Charge Cards Segment Size by Volume of Cards (Thousand), 2009-2018
Table 39: Dutch Commercial Charge Cards Segment Size by Transaction Value (EUR Million), 2009-2018
Table 40: Dutch Commercial Charge Cards Segment Size by Transaction Value (US$ Million), 2009-2018
Table 41: Dutch Commercial Charge Cards Segment Size by Transaction Volume (Million), 2009-2018
Table 42: Dutch Prepaid Cards Category Size by Volume of Cards (Million), 2009-2018
Table 43: Dutch Prepaid Cards Category Size by Transaction Value (EUR Million), 2009-2018
Table 44: Dutch Prepaid Cards Category Size by Transaction Value (US$ Million), 2009-2018
Table 45: Dutch Open-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2009-2018
Table 46: Dutch Open-Loop Prepaid Cards Segment Size by Transaction Value (EUR Million), 2009-2018
Table 47: Dutch Open-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 2009-2018
Table 48: Dutch Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2009-2018
Table 49: Dutch Closed-Loop Prepaid Cards Segment Size by Transaction Value (EUR Million), 2009-2018
Table 50: Dutch Closed-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 2009-2018
Table 51: ABN Amro Bank - Key Fincial Indicators (EUR Million), Year Ended December, 2011-2012
Table 52: ABN Amro Bank - Card Portfolio and Key Features
Table 53: Rabobank - Key Fincial Indicators (EUR Million), Year Ended December, 2011-2012
Table 54: Rabobank - Card Portfolio and Key Features
Table 55: ING Group - Key Fincial Indicators (EUR Billion), Year Ended December, 2011-2012
Table 56: ING Bank - Card Portfolio and Key Features
Table 57: SNS Bank - Key Fincial Indicators (EUR Million), Year Ended December, 2011-2012
Table 58: SNS Bank - Card Portfolio and Key Features
Table 59: DHB Bank - Key Fincial Indicators (EUR Million), Year Ended December, 2011-2012
Table 60: DHB Bank - Card Portfolio and Key Features
Table 61: Key Definitions