挪威消費者金融市場 是由出版商Euromonitor International在2009年03月所出版的。
這份英文市場調查報告書包含Tables: 147 價格從美金1900起跳。
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
Retail spending buoyant despite higher interest rates
The outlook for the Norwegian economy remains strong, however the boom period
characterised by an extraordinarily high peak in 2007 is showing signs of
easing. Higher interest rates are impacting the "big ticket" items most
sensitive to such increases, for example cars, boats and houses, which are all
showing a month-on-month decline in terms of demand. At this stage and in
stark contrast, consumer retail spending data for June 2008 showed an
increase, most notably in foodstuffs, beverages and clothing. The robust
consumer retail spending behaviour comes on the back of several years of high
wage growth rates and disposable income levels and it remains to be seen if
this trend continues or if Norwegian purse strings will eventually tighten.
Despite uncertainty Norway is expected to perform better than most of its
Western European counterparts, as its mainstay oil exports continue to prop up
the economy.
New consumer finance regulations foster competition
In 2008, Norway' s regulators introduced new inter-bank rules which simplify
the process when customers change banks. From May 2008, the old bank will be
required to automatically transfer all details including loans, credits and
payments to the new bank following authorisation from the customer. The new
rules are in light of a growing trend for customers to shop around for the
best deal. Data reveals that over the past year 1-in-5 customers either
switched or began using a new bank. The two main tools used by banks to entice
customers are card loyalty programmes and cheaper fees, which are resulting in
expanded and more complex card product offers. To help dissect and highlight
the best offers available to bank customers the Norwegian government
established an on-line finance portal, finansportalen.no, to coincide with the
new inter-bank regulations.
Banks focus on price to stay competitive
The traditional Norwegian banking landscape changed dramatically in the 2000s,
amid increased foreign competition and the emergence of on-line banks offering
cheaper fees through a lower cost base. Since 2000, 14 new banks have entered
the Norwegian market. One on-line bank leading the way through cheaper fees is
SkandiaBanken A/S, which offers very competitive card products and is popular
with younger people. Indicative of a price competitive market, in April 2008
Norway' s largest bank DnB NOR AS recently cut all fees for the 700,000 members
of its customer loyalty programme, at an estimated revenue loss of NKr240
million per annum. This unexpected move was considered necessary in order to
retain and attract card loyalty customers, as the competition intensifies.
Credit cards gather momentum
In 2007 and 23008, credit cards registered higher growth rates in terms of new
cards issued, transaction volume and value than any other payment card
category. This created record transaction value sales and volumes, as many
Norwegians increased their frequency of use. As credit cards gather momentum,
the competition among card issuers is increasing with some offering free
credit card accounts. The Norwegian Financial Services Association reports
that the increased competition among card issuers is good news for the
customer, as prices are falling. Compared to 2003, Norwegian consumers spend
substantially more on their credit cards and international cards are by far
the most popular.
Higher card use boosts payment system efficiency
By transaction volume per inhabitant, Norway has the second highest card use
in the world behind Iceland, and it has one of the most advanced and efficient
payment systems in the world. The Central Bank, which oversees the payment
system, reports that Norwegian consumers are increasing their use of payment
cards and internet banking year-on-year, and this trend has helped to make the
overall payment system more efficient. Despite this, the Governor of Central
Bank, Svein Gjedrem, states that the recent trend of banks reducing or not
charging for card payment services in the face of increased competition is not
necessarily in the customer' s best interest. Gjedrem believes that the loss in
revenue poses a risk to the efficiency of the system, as banks are less likely
to reinvest in the system.
Table of Contents
EXECUTIVE SUMMARY
- Retail spending buoyant despite higher interest rates
- New consumer finance regulations foster competition
- Banks focus on price to stay competitive
- Credit cards gather momentum
- Higher card use boosts payment system efficiency
KEY TRENDS AND DEVELOPMENTS
- Competition set to increase for banks
- Payment cards as popular as ever
- Younger cardholders' behaviour offers clue to industry direction
- Strong demand for e-commerce related payment applications
- M-commerce NFC applications threaten payment cards
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
CONSUMER LENDING IN NORWAY
EXECUTIVE SUMMARY
- Overall growth in household credit tapering off
- Increased borrowing costs proving too much for some home-owners
- Rising debt levels and negative savings growth
- Leasing a popular alternative to loans
- Looming industry standard lending practices
Growing Household Indebtedness
- Number of Non-Performing Consumer Loans Rise
- Banks Offering Liberal Mortgage Products To Entice Borrowers
- Retail Banks The Largest Lenders
MARKET DATA
- Table 24 Consumer Lending By Sector: Outstanding Balance: Value 2003-2008
- Table 25 Consumer Lending By Sector: Outstanding Balance: % Value Growth
2003-2008
- Table 26 Consumer Lending By Sector: Gross Lending: Value 2003-2008
- Table 27 Consumer Lending By Sector: Gross Lending: % Value Growth
2003-2008
- Table 28 Consumer Lending: Non-performing vs Other Loans 2003-2008
- Table 29 Mortgages/Housing: Non-performing vs Other Loans 2003-2008
- Table 30 Consumer Credit: Non-performing vs Other Loans 2003-2008
- Table 31 Forecast Consumer Lending By Sector: Outstanding Balance: Value
2008-2013
- Table 32 Forecast Consumer Lending By Sector: Outstanding Balance: % Value
Growth 2008-2013
- Table 33 Forecast Consumer Lending By Sector: Gross Lending: Value
2008-2013
- Table 34 Forecast Consumer Lending By Sector: Gross Lending: % Value
Growth 2008-2013
DEFINITIONS
- Summary 2 Research Sources
LOCAL COMPANY PROFILES - NORWAY
BBS - FINANCIAL CARDS AND PAYMENTS - NORWAY
- STRATEGIC DIRECTION
- KEY FACTS
- Summary 3 BBS: Key Facts
- Summary 4 BBS: Operational Indicators
- COMPANY BACKGROUND
- COMPETITIVE POSITIONING
- Summary 5 BBS: Competitive Position 2008
DNB NOR ASA - FINANCIAL CARDS AND PAYMENTS - NORWAY
- STRATEGIC DIRECTION
- KEY FACTS
- Summary 6 DnB NOR ASA: Key Facts
- Summary 7 DnB NOR ASA: Group Operational Indicators
- COMPANY BACKGROUND
- COMPETITIVE POSITIONING
- Summary 8 DnB NOR ASA: Competitive Position 2008
LUUP AS - FINANCIAL CARDS AND PAYMENTS - NORWAY
- STRATEGIC DIRECTION
- KEY FACTS
- Summary 9 Luup AS: Key Facts
- COMPANY BACKGROUND
- COMPETITIVE POSITIONING
NORDEA BANK AB - FINANCIAL CARDS AND PAYMENTS - NORWAY
- STRATEGIC DIRECTION
- KEY FACTS
- Summary 10 Nordea Bank AB: Key Facts
- Summary 11 Nordea Bank ASA: Group Operational Indicators
- COMPANY BACKGROUND
- COMPETITIVE POSITIONING
- Summary 12 Nordea Bank AB: Competitive Position 2007
XPONDCARD AS - FINANCIAL CARDS AND PAYMENTS - NORWAY
- STRATEGIC DIRECTION
- KEY FACTS
- Summary 13 XpondCard AS: Key Facts
- COMPANY BACKGROUND
- COMPETITIVE POSITIONING
ATM TRANSACTIONS IN NORWAY
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
- Table 35 ATM Cards Sector Performance: 2003-2008
- Table 36 ATM Cards Sector Performance: Number of Cards in Circulation
2003-2008
- Table 37 ATM Cards Sector Performance: % Growth 2003-2008
- Table 38 ATM Cards in Circulation Sector Performance: % Growth 2003-2008
- Table 39 ATM Cards Forecast Sector Performance: 2008-2013
- Table 40 ATM Cards Forecast Sector Performance: Number of Cards in
Circulation 2008-2013
- Table 41 ATM Cards Forecast Sector Performance: % Growth 2008-2013
- Table 42 ATM Cards in Circulation Forecast Sector Performance: % Growth
2008-2013
DEBIT TRANSACTIONS IN NORWAY
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
- Table 43 Debit Cards Sector Performance: 2003-2008
- Table 44 Debit Cards Sector Performance: Number of Cards in Circulation
2003-2008
- Table 45 Debit Cards Sector Performance: % Growth 2003-2008
- Table 46 Debit Cards in Circulation Sector Performance: % Growth 2003-2008
- Table 47 Debit Cards: Number of Cards by Issuer 2003-2007
- Table 48 Debit Cards: Number of Cards by Operator 2003-2007
- Table 49 Debit Cards Transactions by Acquirer 2003-2007
- Table 50 Debit Cards Payment Transaction Value by Operator 2003-2007
- Table 51 Debit Cards Forecast Sector Performance: 2008-2013
- Table 52 Debit Cards Forecast Sector Performance: Number of Cards in
Circulation 2008-2013
- Table 53 Debit Cards Forecast Sector Performance: % Growth 2008-2013
- Table 54 Debit Cards in Circulation Forecast Sector Performance: % Growth
2008-2013
CREDIT CARD TRANSACTIONS IN NORWAY
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
- Table 55 Credit Cards Sector Performance: 2003-2008
- Table 56 Credit Cards Sector Performance: Number of Cards in Circulation
2003-2008
- Table 57 Credit Cards Sector Performance: % Growth 2003-2008
- Table 58 Credit Cards in Circulation Sector Performance: % Growth 2003-2008
- Table 59 Personal Credit Cards Sector Performance: 2003-2008
- Table 60 Personal Credit Cards Sector Performance: Number of Cards in
Circulation 2003-2008
- Table 61 Personal Credit Cards Sector Performance: % Growth 2003-2008
- Table 62 Personal Credit Cards in Circulation Sector Performance: % Growth
2003-2008
- Table 63 Commercial Credit Cards Sector Performance: 2003-2008
- Table 64 Commercial Credit Cards Sector Performance: Number of Cards in
Circulation 2003-2008
- Table 65 Commercial Credit Cards Sector Performance: % Growth 2003-2008
- Table 66 Commercial Credit Cards in Circulation Sector Performance: %
Growth 2003-2008
- Table 67 Credit Cards: Number of Cards by Issuer 2003-2007
- Table 68 Credit Cards: Number of Cards by Operator 2003-2007
- Table 69 Credit Cards Transactions by Acquirer 2003-2007
- Table 70 Credit Cards Payment Transaction Value by Operator 2003-2007
- Table 71 Personal Credit Cards Payment Transaction Value by Operator
2003-2007
- Table 72 Commercial Credit Cards Payment Transaction Value by Operator
2003-2007
- Table 73 Credit Cards Forecast Sector Performance: 2008-2013
- Table 74 Credit Cards Forecast Sector Performance: Number of Cards in
Circulation 2008-2013
- Table 75 Credit Cards Forecast Sector Performance: % Growth 2008-2013
- Table 76 Credit Cards in Circulation Forecast Sector Performance: % Growth
2008-2013
- Table 77 Personal Credit Cards Forecast Sector Performance: 2008-2013
- Table 78 Personal Credit Cards Forecast Sector Performance: Number of
Cards in Circulation 2008-2013
- Table 79 Personal Credit Cards Forecast Sector Performance: % Growth
2008-2013
- Table 80 Personal Credit Cards in Circulation Forecast Sector Performance:
% Growth 2008-2013
- Table 81 Commercial Credit Cards Forecast Sector Performance: 2008-2013
- Table 82 Commercial Credit Cards Forecast Sector Performance: Number of
Cards in Circulation 2008-2013
- Table 83 Commercial Credit Cards Forecast Sector Performance: % Growth
2008-2013
- Table 84 Commercial Credit Cards in Circulation Forecast Sector
Performance: % Growth 2008-2013
CHARGE CARD TRANSACTIONS IN NORWAY
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
- Table 85 Charge Cards Sector Performance: 2003-2008
- Table 86 Charge Cards Sector Performance: Number of Cards in Circulation
2003-2008
- Table 87 Charge Cards Sector Performance: % Growth 2003-2008
- Table 88 Charge Cards in Circulation Sector Performance: % Growth 2003-2008
- Table 89 Personal Charge Cards Sector Performance: 2003-2008
- Table 90 Personal Charge Cards Sector Performance: Number of Cards in
Circulation 2003-2008
- Table 91 Personal Charge Cards Sector Performance: % Growth 2003-2008
- Table 92 Personal Charge Cards in Circulation Sector Performance: % Growth
2003-2008
- Table 93 Commercial Charge Cards Sector Performance: 2003-2008
- Table 94 Commercial Charge Cards Sector Performance: Number of Cards in
Circulation 2003-2008
- Table 95 Commercial Charge Cards Sector Performance: % Growth 2003-2008
- Table 96 Commercial Charge Cards in Circulation Sector Performance: %
Growth 2003-2008
- Table 97 Charge Cards: Number of Cards by Issuer 2003-2007
- Table 98 Charge Cards: Number of Cards by Operator 2003-2007
- Table 99 Charge Cards Transactions by Acquirer 2003-2007
- Table 100 Charge Cards Payment Transaction Value by Operator 2003-2007
- Table 101 Personal Charge Cards Transaction Value by Operator 2003-2007
- Table 102 Commercial Charge Cards Payment Transaction Value by Operator
2003-2007
- Table 103 Charge Cards Forecast Sector Performance: 2008-2013
- Table 104 Charge Cards Forecast Sector Performance: Number of Cards in
Circulation 2008-2013
- Table 105 Charge Cards Forecast Sector Performance: % Growth 2008-2013
- Table 106 Charge Cards in Circulation Forecast Sector Performance: %
Growth 2008-2013
- Table 107 Personal Charge Cards Forecast Sector Performance: 2008-2013
- Table 108 Personal Charge Cards Forecast Sector Performance: Number of
Cards in Circulation 2008-2013
- Table 109 Personal Charge Cards Forecast Sector Performance: % Growth
2008-2013
- Table 110 Personal Charge Cards in Circulation Forecast Sector
Performance: % Growth 2008-2013
- Table 111 Commercial Charge Cards Forecast Sector Performance: 2008-2013
- Table 112 Commercial Charge Cards Forecast Sector Performance: Number of
Cards in Circulation 2008-2013
- Table 113 Commercial Charge Cards Forecast Sector Performance: % Growth
2008-2013
- Table 114 Commercial Charge Cards in Circulation Forecast Sector
Performance: % Growth 2008-2013
GENERAL PURPOSE PRE-PAID CARD TRANSACTIONS IN NORWAY
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
- Table 115 General Purpose Pre-paid Cards Sector Performance: 2003-2008
- Table 116 General Purpose Pre-paid Cards Sector Performance: Number of
Cards in Circulation 2003-2008
- Table 117 General Purpose Pre-paid Cards Sector Performance: % Growth
2003-2008
- Table 118 General Purpose Pre-paid Cards in Circulation Sector
Performance: % Growth 2003-2008
- Table 119 General Purpose Pre-paid Cards by Type: % Number of Cards
2004-2008
- Table 120 General Purpose Pre-paid Cards: Number of Cards by Operator
2003-2007
- Table 121 General Purpose Pre-paid Cards Transaction Value by Operator
2003-2007
- Table 122 General Purpose Pre-paid Cards Forecast Sector Performance:
2008-2013
- Table 123 General Purpose Pre-paid Cards Forecast Sector Performance:
Number of Cards in Circulation 2008-2013
- Table 124 General Purpose Pre-paid Cards Forecast Sector Performance: %
Growth 2008-2013
- Table 125 General Purpose Pre-paid Cards in Circulation Forecast Sector
Performance: % Growth 2008-2013
STORE CARD TRANSACTIONS IN NORWAY
HEADLINES
TRENDS
COMPETITIVE LANDSCAPE
PROSPECTS
SECTOR DATA
- Table 126 Store Cards Sector Performance: 2003-2008
- Table 127 Store Cards Sector Performance: Number of Cards in Circulation
2003-2008
- Table 128 Store Cards Sector Performance: % Growth 2003-2008
- Table 129 Store Cards in Circulation Sector Performance: % Growth 2003-2008
- Table 130 Store Cards: Number of Cards by Issuer 2003-2007
- Table 131 Store Cards Forecast Sector Performance: 2008-2013
- Table 132 Store Cards Forecast Sector Performance: Number of Cards in
Circulation 2008-2013
- Table 133 Store Cards Forecast Sector Performance: % Growth 2008-2013
- Table 134 Store Cards in Circulation Forecast Sector Performance: % Growth
2008-2013
