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Emerging Opportunities in Slovenias Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Landscape

Published By :

Timetric

Published Date : Aug 2013

Category :

Banking

No. of Pages : 70 Pages


Synopsis

The report provides market analysis, information and insights into Slovenia\'s cards and payments market, including:

  • Current and forecast values for each category of Slovenia\'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 Slovenia\'s cards and payments industry
  • Detailed analysis of the marketing strategies adopted for selling debit, credit and charge cards used by various bankers and other institutions in the market
  • Comprehensive analysis of consumer attitudes and their buying preferences for cards
  • Competitive landscape of Slovenia\'s cards and payments industry

Executive summary

The Slovenian card payments channel declined during the review period mainly on account of the recession that has crippled the country’s economy. All major banks in Slovenia are adopting new strategies to increase card penetration, and are also focusing particularly on niche segments such as young consumers, sole proprietors, professionals and small and medium-sized enterprises (SMEs). Banks are also increasingly making use of social networking sites such as Facebook and YouTube to reach their target audiences. Growth in internet penetration has resulted in increased online retail sales in the country, and the number of Slovenian enterprises making purchases online was above the EU average in 2012.

Scope

  • This report provides a comprehensive analysis of Slovenia\'s cards and payments industry
  • It provides current values for Slovenia\'s cards and payments industry for 2012 and forecast figures for 2017
  • It details the different macroeconomic, infrastructural, consumer and business drivers affecting Slovenia\'s cards and payments industry
  • It outlines the current regulatory framework in the industry
  • It details the marketing strategies used by various bankers and other institutions
  • It profiles the major banks in Slovenia\'s cards and payments industry

Reasons to buy

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

Key highlights

  • The Slovenian card payments channel declined during the review period mainly on account of the recession that has crippled the country’s economy. The government took a series of steps such as offering stimulus packages to banks in December 2008 and February 2009 to improve lending to priority sectors.
  • The use of social media by businesses to promote products and services is gaining popularity in Slovenia. Banks such as Banka Koper, SKB and Nova KBM are increasingly making use of social networking sites such as YouTube and Facebook to reach their target audiences, improve brand awareness and promote products.
  • In June 2012, Visa issued cards that support contactless technology on its Activa cards. The emergency of new technology in the country is expected to have a positive impact on the card payments channel.
  • The prepaid card category is at a very nascent stage in Slovenia, with only a few banks offering these cards. The category holds a negligible share in the overall card payments channel.
Table of contents

1 Executive Summary

2 Market Attractiveness and Future Prospects of the Cards and Payments Industry

3 Analysis of Slovenia’s Cards and Payments Industry Drivers
3.1 Infrastructure Drivers
3.1.1 Adoption of new technologies
3.1.2 Increasing internet users
3.1.3 Increasing number of ATMs and POS terminals
3.2 Business Drivers
3.2.1 Growing retail sales
3.2.2 Growing e-commerce
3.3 Consumer Drivers
3.3.1 Increasing number of literate youth
3.3.2 Large number of economically active people
3.4 Macroeconomic Fundamentals
3.4.1 Stable GDP
3.4.2 Stable inflation
3.5 Card Fraud Statistics
3.6 Regulatory Framework

4 Emerging Consumer Attitudes and Trends
4.1 Industry Segmentation and Targeting
4.1.1 Retail segment
4.1.2 Corporate segment
4.2 Consumer Preference
4.2.1 Price
4.2.2 Services
4.2.3 Convenience

5 Competitive Landscape and Industry Dynamics
5.1 Industry Share Analysis by Non-Cash Payments Channels
5.1.1 Credit transfer
5.1.2 Direct debit
5.1.3 Card payments
5.1.4 Check payments
5.2 Debit Cards Category Share
5.2.1 By bank
5.2.2 By scheme
5.3 Credit Cards Category Share
5.3.1 By bank
5.3.2 By scheme
5.4 Charge Cards Category Share by Scheme

6 Strategies Adopted by Key Operators
6.1 Market Entry Strategies
6.2 Marketing and Product Strategy
6.2.1 Debit cards
6.2.2 Credit cards
6.3 Pricing Strategies

7 Size and Growth Potential of the Card Payments Channel
7.1 Channel Share Analysis by Card Category
7.2 Size and Forecast of the Card Payments Channel
7.2.1 Analysis by number of cards
7.2.2 Analysis by transaction value
7.2.3 Analysis by transaction volume
7.3 Debit Cards Category Size and Forecast
7.3.1 Analysis by number of cards
7.3.2 Analysis by transaction value
7.3.3 Analysis by transaction volume
7.3.4 Other key performance indicators
7.4 Credit Cards Category Size and Forecast
7.4.1 Analysis by number of cards
7.4.2 Analysis by transaction value
7.4.3 Analysis by transaction volume
7.4.4 Average transaction value
7.4.5 Other key performance indicators
7.5 Charge Cards Category Size and Forecast
7.5.1 Analysis by number of cards
7.5.2 Analysis by transaction value
7.5.3 Analysis by number of transactions
7.5.4 Analysis by frequency of use

8 Company Profiles, Products and Marketing Strategies
8.1 Banka Koper
8.1.1 Key financials
8.1.2 Card portfolio
8.1.3 Strategies
8.2 Stanovanjsko-Komunalna Banka (SKB)
8.2.1 Key financials
8.2.2 Card portfolio
8.2.3 Strategies
8.3 Nova Ljubljanska Banka (NLB)
8.3.1 Key financials
8.3.2 Card portfolio
8.3.3 Strategies
8.4 Raiffeisen Bank
8.4.1 Key financials
8.4.2 Card portfolio
8.4.3 Strategies
8.5 Nova KBM
8.5.1 Key financials
8.5.2 Card portfolio
8.5.3 Strategies

9 Appendix
9.1 Methodology
9.1 Contact Timetric
9.2 About Timetric
9.3 Disclaimer

List of Table


Table 1: Cards for Young Consumers Offered by Various Banks in Slovenia
Table 2: Cards for HNWIs Offered by Various Banks in Slovenia
Table 3: Corporate Cards Offered by Various Banks in Slovenia
Table 4: Cards for SMEs Offered by Various Banks in Slovenia
Table 5: Slovenia Payment Channels (EUR Million), 2008 and 2012
Table 6: Market Entry Strategies of Foreign Banks in Slovenia
Table 7: Slovenia Card Payments Channel by Type of Card (Thousands), 2008–2017
Table 8: Slovenia Card Payments Channel Size by Number of Cards (Thousands), 2008–2017
Table 9: Slovenia Card Payments Channel Size by Transaction Value (EUR Million), 2008–2017
Table 10: Slovenia Card Payments Channel Size by Transaction Value (US$ Million), 2008–2017
Table 11: Slovenia Card Payments Channel Size by Number of Transactions (Million), 2008–2017
Table 12: Slovenia Debit Cards Category Size by Number of Cards (Thousands), 2008–2017
Table 13: Slovenia Debit Cards Category Size by Value of Transaction (EUR Million), 2008–2017
Table 14: Slovenia Debit Cards Category Size by Value of Transaction (US$ Million), 2008–2017
Table 15: Slovenia Debit Cards Category Size by Number of Transactions (Million), 2008–2017
Table 16: Slovenia Debit Cards Category by Frequency of Use, 2008–2017
Table 17: Slovenia Credit Cards Category Size by Number of Cards (Thousands), 2008–2017
Table 18: Slovenia Credit Cards Category Size by Transaction Value (EUR Million), 2008–2017
Table 19: Slovenia Credit Cards Category Size by Transaction Value (US$ Million), 2008–2017
Table 20: Slovenia Credit Cards Category Size by Number of Transactions (Million), 2008–2017
Table 21: Slovenia Credit Cards Category Size by Average Transaction Value (EUR), 2008–2017
Table 22: Slovenia Credit Cards Category Size by Average Transaction Value (US$), 2008–2017
Table 23: Slovenia Credit Cards Category by Frequency of Use, 2008–2017
Table 24: Slovenia Charge Cards Category Size by Number of Cards (Thousands), 2008–2017
Table 25: Slovenia Charge Cards Category Size by Transaction Value (EUR Million), 2008–2017
Table 26: Slovenia Charge Cards Category Size by Transaction Value (US$ Million), 2008–2017
Table 27: Slovenia Charge Cards Category Size by Number of Transactions (Million), 2008–2017
Table 28: Slovenia Charge Cards Category by Frequency of Use, 2008–2017
Table 29: Banka Koper Key Financial Indicators, 2011–2012
Table 30: Banka Koper – Card Portfolio
Table 31: SKB Key Financial Indicators, 2011–2012
Table 32: SKB – Card Portfolio
Table 33: NLB Key Financial Indicators, 2011–2012
Table 34: NLB – Card Portfolio
Table 35: Raiffeisen Bank Key Financial Indicators, 2011–2012
Table 36: Raiffeisen Bank – Card Portfolio
Table 37: Nova KBM Key Financial Indicators, 2011–2012
Table 38: Nova KBM – Card Portfolio

List of Chart


Figure 1: Slovenia – Growth of Various Card Categories (%), 2008–2017
Figure 2: Slovenia Cards and Payments Industry Drivers
Figure 3: Number of Internet Users in Slovenia (Million), 2008–2011
Figure 4: Number of ATMs and POS Terminals in Slovenia (Thousands), 2008–2017
Figure 5: Retail Sales Growth in Slovenia (EUR Billion), 2008–2011
Figure 6: Slovenian GDP Growth Rate (%), 2008–2017
Figure 7: Inflation Rate in Slovenia (%), 2008–2017
Figure 8: Slovenia Card Fraud Statistics (EUR Thousands), 2008–2012
Figure 9: Card Payments Channel Customer Segmentation in Slovenia
Figure 10: Types of Cards Offered by Banks in Slovenia
Figure 11: Share of Different Payment Channels in Slovenia (%), 2008 and 2012
Figure 12: Slovenia Value of Credit Transfer (EUR Million), 2008–2012
Figure 13: Slovenia Value of Direct Debit (EUR Million), 2008–2012
Figure 14: Slovenia Value of Card Payments (EUR Million), 2008–2012
Figure 15: Slovenia Value of Check Payments (EUR Million), 2008–2012
Figure 16: Slovenia Debit Cards Category Share by Bank (%), 2011
Figure 17: Slovenia Debit Cards Category Share by Scheme (%), 2011
Figure 18: Slovenia Credit Cards Category Share by Bank (%), 2011
Figure 19: Slovenia Credit Cards Category Share by Scheme (%), 2011
Figure 20: Slovenia Charge Cards Category Share by Scheme (%), 2011
Figure 21: Card Marketing Strategies of Banks in Slovenia
Figure 22: Slovenia Card Payments Channel by Type of Card (%), 2008–2017
Figure 23: Slovenia Card Payments Channel Size by Number of Cards (Thousands), 2008–2017
Figure 24: Slovenia Card Payments Channel Size by Transaction Value (EUR Million), 2008–2017
Figure 25: Slovenia Card Payments Channel Size by Number of Transactions (Million), 2008–2017
Figure 26: Slovenia Debit Cards Category Size by Number of Cards (Thousands), 2008–2017
Figure 27: Slovenia Debit Cards Category Size by Value of Transaction (EUR Million), 2008–2017
Figure 28: Slovenia Debit Cards Category Size by Number of Transactions (Million), 2008–2017
Figure 29: Slovenia Debit Cards Category by Frequency of Use, 2008–2017
Figure 30: Debit Card Transactions at ATMs and POS Terminals (Million), 2008–2017
Figure 31: Slovenia Credit Cards Category Size by Number of Cards (Thousands), 2008–2017
Figure 32: Slovenia Credit Cards Category Size by Transaction Value (EUR Million), 2008–2017
Figure 33: Slovenia Credit Cards Category Size by Number of Transactions (Million), 2008–2017
Figure 34: Slovenia Credit Cards Category Size by Average Transaction Value (EUR), 2008–2017
Figure 35: Slovenia Credit Cards Category by Frequency of Use, 2008–2017
Figure 36: Slovenia Charge Cards Category Size by Number of Cards (Thousands), 2008–2017
Figure 37: Slovenia Charge Cards Category Size by Transaction Value (EUR Million), 2008–2017
Figure 38: Slovenia Charge Cards Category Size by Number of Transactions (Million), 2008–2017
Figure 39: Slovenia Charge Cards Category by Frequency of Use, 2008–2017

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