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市場調查報告書

奧地利消費者之金融市場

Consumer Finance in Austria

出版商 Euromonitor International
出版日期 2009年11月 商品編碼 108096
內容資訊 英文  
價格
US $ 1900 PDF by E-mail (Single User License)


奧地利消費者之金融市場 是由出版商Euromonitor International在2009年11月所出版的。 這份英文市場調查報告書價格從美金1900起跳。

目錄

Abstract

Why buy this report

  • Get insight into trends in market performance
  • Pinpoint growth sectors and identify factors driving change
  • Identify market and brand leaders and understand the competitive environment

Product coverage

Consumer lending; Financial cards and payments

Executive summary

Card transactions continue promising growth in 2008

Strong rates of value growth were recorded in 2008 for all forms of payments in Austria, driven mostly by card payments. In fact, transaction volume declined overall despite the good growth of transaction value. The number of transactions involving cash declined, in contrast to the good performance of card transactions. Financial cards continued to perform well, even in those areas that remain underdeveloped, such as credit cards and store cards. While cash payments still dominated up to 2008, cards are increasingly being used for a wider range of purchases, and even for small purchases in greater numbers.

Debit dominates, but other cards post growth

After cash, debit cards dominate in Austria, as consumers are generally averse to using credit cards. However, some of the strongest growth posted was in credit cards, which are taking over for higher value payments from cash in particular. However, there is little distinction among consumers over the difference between credit and charge cards, which are more popular.

Use of pre-paid cards takes off

The vast majority of Austrians carry financial cards that contain ATM, debit and pre-paid electronic purse functions, although many are not aware that the cards have pre-paid capabilities. For this reason, usage has remained low in Austria. However, more pre-paid cards are coming onto the market, aimed in particular at young consumers and students, who are considered too young to own a credit card. This is cementing MasterCard' s position in the market, but has also attracted Visa.

Major brands continue to dominate

PayLife remains the most important player, operating many types of cards and services in the Austrian market. The company is considered an innovator, with products such as the Quick pre-paid electronic purse scheme. MasterCard is another major player, owing to its ownership of the Maestro debit brand. However, Visa has its sights on this market and is one of the most innovative companies, entering new categories such as pre-paid recently. It looks set to capture market share with the introduction of its V Pay debit card, slated for 2010.

Future growth prospects look good

Although the negative impact of the global economic downturn will dampen growth prospects, the outlook for forecast period looks good. This is because of the growing acceptance of financial cards in Austria and continued expansion of their use for a wider range of payments, including for small purchases. In particular, the younger generation is embracing the use of financial cards, which bodes well for continued growth.

Table of Contents

  • CONSUMER FINANCE IN AUSTRIA : MARKET INSIGHT
  • EXECUTIVE SUMMARY
  • Card transactions continue promising growth in 2008
  • Debit dominates, but other cards post growth
  • Use of pre-paid cards takes off
  • Major brands continue to dominate
  • Future growth prospects look good
  • KEY TRENDS AND DEVELOPMENTS
  • Concerns about the economic situation
  • Acceptance of financial cards keeps growing
  • Debit card strengthens dominance within financial cards
  • Usage of pre-paid cards on the rise
  • New technologies grow in popularity
  • MARKET DATA
    • Table 1 Consumer Payments: Value 2003-2008
    • Table 2 Financial Cards: Number of Cards in Circulation 2003-2008
    • Table 3 Financial Cards Transactions: Value 2003-2008
    • Table 4 Financial Cards: Number of Transactions 2003-2008
    • Table 5 Financial Cards: Number of Accounts 2003-2008
    • Table 6 Financial Cards: Number of Cards by Issuer 2003-2007
    • Table 7 Financial Cards: Number of Cards by Operator 2003-2007
    • Table 8 Financial Cards: Card Payment Transaction Value by Operator 2003-2007
    • Table 9 Financial Cards: Card Payment Transactions by Acquirer 2003-2007
    • Table 10 Consumer Payments Forecast: Value 2008-2013
    • Table 11 Financial Cards Forecast: Number of Cards in Circulation 2008-2013
    • Table 12 Financial Cards Forecast: Value 2008-2013
    • Table 13 Financial Cards Forecast: Number of Transactions 2008-2013
    • Table 14 Financial Cards Forecast: Number of Accounts 2008-2013
  • MARKET INDICATORS
    • Table 15 Number of POS Terminals 2004-2008
    • Table 16 Number of ATMs 2004-2008
    • Table 17 Disposable Income 2003-2008
    • Table 18 Value Lost to Fraud 2003-2008
    • Table 19 Acquirer Fraud 2003-2008
    • Table 20 Card Expenditure by Location 2008
    • Table 21 Card Expenditure by Sector 2008
    • Table 22 Financial Cards in Circulation by Type: % Number of Cards 2004-2008
    • Table 23 Domestic versus Foreign Spend 2008
  • DEFINITIONS
    • Summary 1 Research Sources
  • LOCAL COMPANY PROFILES - AUSTRIA
  • BAWAG PSK AG - CONSUMER FINANCE - AUSTRIA
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 2 BAWAG PSK: Key Facts
    • Summary 3 BAWAG PSK: Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
    • Summary 4 BAWAG PSK: Competitive Position 2007
  • ERSTE BANK DER OESTERREICHISCHEN SPARKASSEN AG - CONSUMER FINANCE - AUSTRIA
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 5 Erste Bank der oesterreichischen Sparkassen AG: Key Facts
    • Summary 6 Erste Bank der oesterreichischen Sparkassen AG: Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
    • Summary 7 Erste Bank der oesterreichischen Sparkassen AG: Competitive Position 2007
  • PAYLIFE BANK GMBH - CONSUMER FINANCE - AUSTRIA
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 8 Paylife Bank GmbH: Key Facts
    • Summary 9 Paylife Bank GmbH: Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
    • Summary 10 Paylife Bank GmbH: Competitive Position 2007
  • RAIFFEISEN BANKENGRUPPE ÖSTERREICH - CONSUMER FINANCE - AUSTRIA
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 11 Raiffeisen Bankengruppe österreich: Key Facts
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
    • Summary 12 Raiffeisen Bankengruppe österreich: Competitive Position 2007
  • UNICREDIT GROUP - CONSUMER FINANCE - AUSTRIA
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 13 UniCredit Group: Key Facts
    • Summary 14 UniCredit Group: Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
    • Summary 15 UniCredit Group: Competitive Position 2007
  • ATM TRANSACTIONS IN AUSTRIA
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 24 ATM Cards Sector Performance: 2003-2008
    • Table 25 ATM Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 26 ATM Cards Sector Performance: % Growth 2003-2008
    • Table 27 ATM Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 28 ATM Cards Forecast Sector Performance: 2008-2013
    • Table 29 ATM Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 30 ATM Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 31 ATM Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
  • CREDIT CARD TRANSACTIONS IN AUSTRIA
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 32 Credit Cards Sector Performance: 2003-2008
    • Table 33 Credit Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 34 Credit Cards Sector Performance: % Growth 2003-2008
    • Table 35 Credit Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 36 Personal Credit Cards Sector Performance: 2003-2008
    • Table 37 Personal Credit Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 38 Personal Credit Cards Sector Performance: % Growth 2003-2008
    • Table 39 Personal Credit Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 40 Commercial Credit Cards Sector Performance: 2003-2008
    • Table 41 Commercial Credit Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 42 Commercial Credit Cards Sector Performance: % Growth 2003-2008
    • Table 43 Commercial Credit Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 44 Credit Cards: Number of Cards by Issuer 2003-2007
    • Table 45 Credit Cards: Number of Cards by Operator 2003-2007
    • Table 46 Credit Cards Transactions by Acquirer 2003-2007
    • Table 47 Credit Cards Payment Transaction Value by Operator 2003-2007
    • Table 48 Personal Credit Cards Payment Transaction Value by Operator 2003-2007
    • Table 49 Commercial Credit Cards Payment Transaction Value by Operator 2003-2007
    • Table 50 Credit Cards Forecast Sector Performance: 2008-2013
    • Table 51 Credit Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 52 Credit Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 53 Credit Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
    • Table 54 Personal Credit Cards Forecast Sector Performance: 2008-2013
    • Table 55 Personal Credit Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 56 Personal Credit Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 57 Personal Credit Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
    • Table 58 Commercial Credit Cards Forecast Sector Performance: 2008-2013
    • Table 59 Commercial Credit Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 60 Commercial Credit Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 61 Commercial Credit Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
  • CHARGE CARD TRANSACTIONS IN AUSTRIA
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 62 Charge Cards Sector Performance: 2003-2008
    • Table 63 Charge Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 64 Charge Cards Sector Performance: % Growth 2003-2008
    • Table 65 Charge Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 66 Personal Charge Cards Sector Performance: 2003-2008
    • Table 67 Personal Charge Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 68 Personal Charge Cards Sector Performance: % Growth 2003-2008
    • Table 69 Personal Charge Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 70 Commercial Charge Cards Sector Performance: 2003-2008
    • Table 71 Commercial Charge Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 72 Commercial Charge Cards Sector Performance: % Growth 2003-2008
    • Table 73 Commercial Charge Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 74 Charge Cards: Number of Cards by Issuer 2003-2007
    • Table 75 Charge Cards: Number of Cards by Operator 2003-2007
    • Table 76 Charge Cards Transactions by Acquirer 2003-2007
    • Table 77 Charge Cards Payment Transaction Value by Operator 2003-2007
    • Table 78 Personal Charge Cards Transaction Value by Operator 2003-2007
    • Table 79 Commercial Charge Cards Payment Transaction Value by Operator 2003-2007
    • Table 80 Charge Cards Forecast Sector Performance: 2008-2013
    • Table 81 Charge Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 82 Charge Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 83 Charge Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
    • Table 84 Personal Charge Cards Forecast Sector Performance: 2008-2013
    • Table 85 Personal Charge Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 86 Personal Charge Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 87 Personal Charge Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
    • Table 88 Commercial Charge Cards Forecast Sector Performance: 2008-2013
    • Table 89 Commercial Charge Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 90 Commercial Charge Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 91 Commercial Charge Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
  • GENERAL PURPOSE PRE-PAID CARD TRANSACTIONS IN AUSTRIA
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 92 General Purpose Pre-paid Cards Sector Performance: 2003-2008
    • Table 93 General Purpose Pre-paid Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 94 General Purpose Pre-paid Cards Sector Performance: % Growth 2003-2008
    • Table 95 General Purpose Pre-paid Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 96 General Purpose Pre-paid Cards by Type: % Number of Cards 2004-2008
    • Table 97 General Purpose Pre-paid Cards: Number of Cards by Operator 2003-2007
    • Table 98 General Purpose Pre-paid Cards Transaction Value by Operator 2003-2007
    • Table 99 General Purpose Pre-paid Cards Forecast Sector Performance: 2008-2013
    • Table 100 General Purpose Pre-paid Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 101 General Purpose Pre-paid Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 102 General Purpose Pre-paid Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
  • STORE CARD TRANSACTIONS IN AUSTRIA
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 103 Store Cards Sector Performance: 2003-2008
    • Table 104 Store Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 105 Store Cards Sector Performance: % Growth 2003-2008
    • Table 106 Store Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 107 Store Cards: Number of Cards by Issuer 2003-2007
    • Table 108 Store Cards Forecast Sector Performance: 2008-2013
    • Table 109 Store Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 110 Store Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 111 Store Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
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