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

Published By :

Timetric

Published Date : Apr 2013

Category :

Banking

No. of Pages : 70 Pages

Synopsis

The report provides market analysis, information and insights into the Netherlands cards and payments market, including:

  • Current and forecast values for each category of the Netherlands cards and payments industry including debit cards, credit cards, prepaid cards and charge cards
  • Comprehensive analysis of the industrys 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 various bankers and other institutions in the market
  • Comprehensive analysis of consumer attitudes and their buying preferences for cards
  • Competitive landscape of the Netherlands cards and payments industry
Summary

The cards and payments industry in the Netherlands recorded moderate growth during the review period, with Dutch consumers adapting to EMV cards despite some initial reluctance. According to De Nederlandsche Bank, there is strong post-recession growth potential in the banking sector towards electronic payments, both from consumers and businesses. The cards and payments industry as a whole grew at a CAGR of 2.76% during the review period (20082012), primarily driven by charge cards and prepaid cards. 

The overall industry is expected to grow at a modest CAGR of 0.86% over the forecast period (20132017) as the Dutch economy gradually recovers. With the rising number of operators in the Dutch cards and payments industry, a need to differentiate has led banks to develop new marketing strategies. 

As well as the regular discounts and rebates, some banks have introduced new benefits and additional services. Services provided by ABN Amro include complimentary purchase insurance, baggage delay insurance and flight delay insurance. Other services include permitted spending above the set limit, and providing additional cards to partners of existing clients.

Scope

  • This report provides a comprehensive analysis of the Netherlands cards and payments industry
  • It provides current values for the Netherlands cards and payments industry for 2012 and forecast figures for 2017
  • It details the different macroeconomic, infrastructural, consumer and business drivers affecting the Netherlands 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 the Netherlands cards and payments industry
Reasons To Buy

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

  • In volume terms, the Dutch cards and payments industry is expected to grow at a marginal CAGR of 0.86% over the forecast period to 2017. 
  • The Netherlands has one of the most concentrated banking industries in the world, with more than 19 banks foreign and domestic operating in the country. The majority of the industry is occupied by three banks: ING, Rabobank and ABN Amro.
  • The charge card and prepaid card categories in the Netherlands showed high growth during the review period, growing at CAGRs of 10.45% and 6.71% respectively.
  • In the Netherlands, m-commerce, e-commerce and the fast adoption of EMV standards are likely to generate positive growth potential for the cards and payments industry.
Table of Contents

1 Executive Summary

2 Attractiveness and Future Prospects of the Cards and Payments Industry

3 Cards and Payments Industry Drivers
3.1 Infrastructure Drivers
3.1.1 Smart card payment system
3.1.2 QR code-based payments
3.1.3 NFC technology
3.1.4 Growing number of POS terminals
3.1.5 EMV adoption
3.2 Business Drivers
3.2.1 Growing mobile commerce
3.2.2 Outbound travel and tourism
3.2.3 Growth in e-commerce
3.3 Card Fraud Statistics
3.4 Regulatory Framework
3.4.1 SEPA Cards Framework
3.4.2 Anti-money laundering

4 Emerging Consumer Attitudes and Trends
4.1 Market Segmentation and Targeting
4.2 Retail Customers
4.2.1 Students and the younger population
4.2.2 Cards for travelers
4.3 Corporate Customers
4.3.1 Business card
4.4 Consumer Preference
4.4.1 Price
4.4.2 Services
4.4.3 Convenience
4.5 Online Buying Behavior
4.6 Preferred Payment Methods

5 Competitive Landscape and Industry Dynamics
5.1 Analysis by Payment Channel
5.1.1 Overview of payment channels
5.1.2 Cash
5.1.3 Credit transfers
5.1.4 Direct debit
5.1.5 Card payments
5.2 Debit Cards
5.2.1 By bank
5.2.2 By scheme
5.3 Credit Cards
5.3.1 By bank
5.3.2 By scheme
5.4 Charge Cards
5.4.1 By card type

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

7 Market Size and Growth Potential of the Payment Card Industry
7.1 Market Share Analysis by Type of Card
7.2 Total Size and Forecast for the Card Industry
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 Card 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 Prepaid Card Category Size and Forecast
7.4.1 Analysis by number of cards
7.4.2 Analysis by segment – open- and closed-loop cards
7.4.3 Analysis by transaction value
7.5 Charge Card Category Size and Forecast
7.5.1 Analysis by number of cards
7.5.2 Analysis by transaction value
7.5.3 Analysis by transaction volume
7.5.4 Frequency of use
7.6 Credit Card Category Size and Forecast
7.6.1 Analysis by number of cards
7.6.2 Analysis by transaction value
7.6.3 Analysis by transaction volume
7.6.4 Other key performance indicators

8 Company Profiles, Product, and Marketing Strategies
8.1 ABN Amro Bank NV
8.1.1 Strategies
8.1.2 Debit cards offered
8.1.3 Credit cards offered
8.2 Rabobank Group
8.2.1 Strategies
8.2.2 Credit cards offered
8.2.3 Debit cards offered
8.3 ING Group
8.3.1 Strategies
8.3.2 Debit cards offered
8.3.3 Credit cards offered

9 Appendix
9.1 Methodology
9.2 Contact Us
9.3 About Timetric
9.3.1 Timetric’s approach
9.4 Services
9.5 Disclaimer

List of Table

Table 1: Dutch Payment Channels (EUR Million), 20082012
Table 2: Complimentary Insurance Offered by ABN Amro
Table 3: Dutch Cards and Payments Comparison of Annual Fees
Table 4: Dutch Card Volumes by Type of Card (Thousands), 20082017
Table 5: Dutch Card Industry Size by Volume (Thousands), 20082017
Table 6: Dutch Cards Industry Size by Transaction Value (EUR Million), 20082017
Table 7: Dutch Cards Industry Size by Transaction Value (US$ Million), 20082017
Table 8: Dutch Cards Industry Size by Transaction Volume (Million), 20082017
Table 9: Dutch Debit Card Category Size (Thousands), 20082017
Table 10: Dutch Debit Card Category Size (EUR Million), 20082017
Table 11: Dutch Debit Card Category Size (US$ Million), 20082017
Table 12: Dutch Debit Card Category Size by Transaction Volume (Million), 20082017
Table 13: Dutch Card Category Size by Frequency of Use, 20082017
Table 14: Dutch Prepaid Card Category Size (Thousands), 20082017
Table 15: Dutch Open-Loop Prepaid Cards Segment Size (Thousands), 20082017
Table 16: Dutch Closed-Loop Prepaid Cards Segment Size (Thousands), 20082017
Table 17: Dutch Prepaid Cards Category Size (EUR Million), 20082017
Table 18: Dutch Prepaid Cards Category Size (US$ Million), 20082017
Table 19: Dutch Charge Card Category Size (Thousands), 20082017
Table 20: Dutch Charge Card Category Size (EUR Million), 20082017
Table 21: Dutch Charge Card Category Size (US$ Million), 20082017
Table 22: Dutch Charge Card Category Size by Transaction Volume (Million), 20082017
Table 23: Dutch Charge Card Category Size by Frequency of Use (Transactions/Card/Year),
Table 24: Dutch Credit Card Category Size by Volume (Thousands), 20082017
Table 25: Dutch Credit Card Category Size by Transaction Value (EUR Million), 20082017
Table 26: Dutch Credit Card Category Size by Transaction Value (US$ Million), 20082017
Table 27: Dutch Credit Card Category Size by Transaction Volume (Million), 20082017
Table 28: Dutch Credit Card Category Size by Frequency of Use, 20082017
Table 29: Dutch Credit Card Category Size by Average Transaction Value (EUR), 20082017
Table 30: Dutch Credit Card Category Size by Average Transaction Value (US$), 20082017
Table 31: ABN Amro Bank NV Segmentation of Cards Offered
Table 32: Rabobank NV Segmentation of Cards Offered
Table 33: ING Segmentation of Cards Offered

List of Chart

Figure 1: Current and Future Prospects of Various Cards in the Netherlands
Figure 2: Growth Potential of the Dutch Cards and Payments Industry by Area of Use
Figure 3: Dutch Cards and Payments Industry Drivers
Figure 4: Number of POS Terminals in the Netherlands (Thousands), 20082017
Figure 5: Deployment of EMV cards in Europe, 2012
Figure 6: Outbound Travel Expenditure (EUR Billion), 20082012
Figure 7: Frequency of Purchases made Online in the Netherlands (%), 2011
Figure 8: Dutch Card Fraud Statistics (EUR Million), 20082012
Figure 9: Dutch Cards and Payments Industry Segmentation by Card Type
Figure 10: Cards Offered for Students in the Netherlands
Figure 11: Dutch Consumer Preferences on Various Types of Card
Figure 12: Dutch Online Retail by Type of Market, 2011
Figure 13: Shares of Online Payment Options in the Netherlands (%), 2011
Figure 14: Shares of Payment Channels in the Netherlands Payments industry (%), 2012
Figure 15: Dutch Value and Growth of Cash Transactions (EUR Million), 20082012
Figure 16: Dutch Value and Growth of Credit Transfers (EUR Million), 20082012
Figure 17: Dutch Value and Growth of Direct Debits (EUR Million), 20082012
Figure 18: Dutch Value and Growth of Card Payments (EUR Million), 20082012
Figure 19: Dutch Debit Card Shares by Bank (%), 2011
Figure 20: Dutch Debit Card Shares by Scheme (%), 2011
Figure 21: Dutch Credit Card Shares by Bank (%), 2011
Figure 22: Dutch Credit Card Shares by Scheme (%), 2011
Figure 23: Dutch Charge Card Shares by Scheme (%), 2011
Figure 24: Co-Branded Cards Offered in the Netherlands
Figure 25: Dutch Cards by Type of Card (%), 20082017
Figure 26: Dutch Cards Industry Size by Volume (Thousands), 20082017
Figure 27: Dutch Cards Industry Size by Transaction Value (EUR Million), 20082017
Figure 28: Dutch Cards Industry Size by Transaction Volume (Million), 20082017
Figure 29: Dutch Debit Card Category Size (Thousands), 20082017
Figure 30: Dutch Debit Card Category Size (EUR Million), 20082017
Figure 31: Dutch Debit Card Category Size by Transaction Volume (Million), 20082017
Figure 32: Dutch Card Category Size by Frequency of Use, 20082017
Figure 33: Debit Card Use at ATMs and POS Terminals (Million), 20082017
Figure 34: Dutch Prepaid Card Category Size (Thousands), 20082017
Figure 35: Dutch Open-Loop Prepaid Cards Segment Size (Thousands), 20082017
Figure 36: Dutch Closed-Loop Prepaid Cards Segment Size (Thousands), 20082017
Figure 37: Dutch Prepaid Cards Category Size (EUR Million), 20082017
Figure 38: Dutch Charge Card Category Size (Thousands), 20082017
Figure 39: Dutch Charge Card Category Size (EUR Million), 20082017
Figure 40: Dutch Charge Card Category Size by Transaction Volume (Million), 20082017
Figure 41: Dutch Charge Card Category Size by Frequency of Use (Transactions/Card/Year),
Figure 42: Dutch Credit Card Category Size by Volume (Thousands), 20082017
Figure 43: Dutch Credit Card Category Size by Transaction Value (EUR Million), 20082017
Figure 44: Dutch Credit Card Category Size by Transaction Volume (Million), 20082017
Figure 45: Dutch Credit Card Category Size by Frequency of Use, 20082017
Figure 46: Dutch Credit Card Category Size by Average Transaction Value (EUR), 20082017

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