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

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

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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%.

Report 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.
Report 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.
Reasons to Get this Report
  • 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.


Table of Contents

1 Executive Summary
2 Analysis 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) terminals
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 Analysis
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 Analysis by product categories
5.3.2 Analysis by retail channels
6 Analysis of Card Payments and Growth Prospects
6.1 Channel Share Analysis by Card Category
6.2 Size and Forecast of the Card Payments Channel
6.2.1 Analysis by number of cards in circulation
6.2.2 Analysis by transaction value
7 Analysis of Credit Card Payments and Growth Prospects
7.1 Overall Category Size and Forecast
7.1.1 Analysis by number of cards in circulation
7.1.2 Analysis by transaction value
7.1.3 Analysis by transaction volume
7.2 Transaction Share Analysis by Channel
7.2.1 Analysis by transaction value
7.2.2 Analysis by transaction volume
7.3 Personal Credit Cards Segment Size and Forecast
7.3.1 Analysis by number of cards in circulation
7.3.2 Analysis by transaction value
7.3.3 Analysis by transaction volume
7.4 Commercial Credit Cards Segment Size and Forecast
7.4.1 Analysis by number of cards in circulation
7.4.2 Analysis by transaction value
7.4.3 Analysis by transaction volume
7.5 Competitive Landscape
7.5.1 Scheme share analysis
7.5.2 Issuer share analysis
8 Analysis of Debit Card Payments and Growth Prospects
8.1 Overall Category Size and Forecast


Companies Mentioned:

ABN Amro Bank
Rabobank
ING Bank
SNS Bank
DHB Bank
MasterCard
Visa
American Express
Diners Club