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市場調查報告書

瑞典的消費者金融市場

Consumer Finance in Sweden

出版商 Euromonitor International
出版日期 2009年03月 商品編碼 97662
內容資訊 英文 Tables: 142
價格
US $ 1900 PDF by E-mail (Single User License)


瑞典的消費者金融市場 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: 142 價格從美金1900起跳。

目錄

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

Consumer Spending Mixed as Economy Slows

High interest rates are impacting sales of those big ticket items most sensitive to rate increases such as cars, boats and houses which all showed steady decline in demand in 2008. Consumer retail spending data for the same period was mixed with positive growth seen in durables and a slightly negative drop-off in consumables. With the current uncertainty in the global market and a general slowing of the Swedish economy into 2009 it remains to be seen to what extent purse strings will tighten in the short to medium term.

Swedish Competition Authority Proposes Changes to Banking Regulations

Following a report from Nordic competition authorites the Swedish Competition Authority, Konkurrensverket, presented a number of new proposals that promote competition among all Swedish banking players in the domestic market. Konkurrensverket hopes that these new measures will benefit customers by fostering stronger competition and in turn better services at cheaper prices moving forward. The recommendations have been put forward to Swedish regulators and entail the following; payment systems should have transparent, non-discriminatory rules and that new, small and foreign enterprises are given access to payment systems on equal terms. Secondly, clear rules are required to avoid a conflict of interests between owners of payment systems who are also a customer of the same system. Thirdly, customers should be given the opportunity to compare what different banks are offering and that more information should be provided on the Internet by government agencies and consumer organisations. Lastly, more effective measures should be put in place to make it easier for consumers to switch banks.

Debit Card Transactions Soar

Card data for 2008 showed Swedes are using their debit cards at record levels. The trend follows on the back of impressive 2007 data where transaction turnover soared towards the SEK500 billion mark. A number of factors help explain the sudden jump in debit card transactions. Firstly, one of Sweden' s largest banks Svenska Handelsbanken replaced over 50,000 virtually redundant ATM cards with its new Frikort debit card product. This move helped boost total debit card use and subsequent transactions as well as spur the use of debit cards over cash to pay for items. Also supporting higher debit card use was a notable increase in the distribution of new POS terminals in retail outlets.

Contactless Payment Interest Extends to Swedish Retailers

To date, contactless payment card initiatives have largely been associated with the Swedish public transport system. The benefit for transport operators is primarily payment transaction efficiency as large volumes of customers can be processed easily and quickly. The same benefits apply to large, high-volume Swedish retailers. In a survey commissioned by Visa Europe and conducted by the Centre for Retail Research, 300 large and medium-sized businesses were interviewed about their future plans for electronic payment systems. The survey revealed that 53% of Swedish retailers are expected to deploy electronic kiosks or PDA-type devices for reading contactless cards.

Cash Use Still Too High According to Central Bank

Sweden' s Central Bank, Riksbanken, has undertaken an analytical study into the cost of cash versus cost of payment card when purchasing. The study is part of the Central Bank' s long-term goal of improving automation and efficiency in the Swedish payment system. The analysis calculated total costs to society associated with either payment instrument and found anything above SEK70 best suited payment by card while below this figure, including micro-payments, cash was the better option. When this threshold of SEK70 is matched against current average cash spend, the results indicate that Swedes are using cash for purchases too high in value where it would be more cost effective using a payment card. This trend reflects the fact that Sweden historically has a higher rate of cash use than its Nordic neighbours partly because of fees being applied at POS terminals but not when withdrawing cash at ATMs. To encourage better payment system efficiency the Central Bank argues that fees should be applied where actual costs are incurred.

  • CONSUMER FINANCE IN SWEDEN : MARKET INSIGHT
  • EXECUTIVE SUMMARY
  • Consumer Spending Mixed as Economy Slows
  • Swedish Competition Authority Proposes Changes to Banking Regulations
  • Debit Card Transactions Soar
  • Contactless Payment Interest Extends to Swedish Retailers
  • Cash Use Still Too High According to Central Bank
  • KEY TRENDS AND DEVELOPMENTS
  • Payment Cards Continue Their Popularity
  • Top Tier Banks Maintain Market Dominance
  • Steady Demand For E-Commerce Related Payment Applications
  • Sweden Catching Up: Payment Cards Finally Winning Over Cash
  • Slow Start for M-Commerce Applications
  • 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 SWEDEN
  • EXECUTIVE SUMMARY
  • Negative mortgage growth for 2008
  • Property repossesions double
  • Swedes use tax rebates to reduce personal debt
  • Record household debt and negative saving levels
  • Authorities clamp down on high credit lending fees
  • KEY TRENDS AND DEVELOPMENTS
  • Increase In Household Indebtedness
  • Fast Money Lending Products Entice Young Borrowers
  • Non-Performing Consumer Loans Up Slightly
  • 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 - SWEDEN
  • ICA AB - FINANCIAL CARDS AND PAYMENTS - SWEDEN
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 3 ICA Banken AB: Key Facts
    • Summary 4 ICA Banken AB: Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
  • NORDEA BANK AB - FINANCIAL CARDS AND PAYMENTS - SWEDEN
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 5 Nordea Bank AB: Key Facts
    • Summary 6 Nordea Bank AB: Group Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
  • SVENSKA HANDELSBANKEN AB - FINANCIAL CARDS AND PAYMENTS - SWEDEN
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 7 Svenska Handelsbanken AB: Key Facts
    • Summary 8 Svenska Handelsbanken AB: Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
  • XPON CARDS AB - FINANCIAL CARDS AND PAYMENTS - SWEDEN
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 9 XPonCard AB: Key Facts
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
  • ATM TRANSACTIONS IN SWEDEN
  • 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 SWEDEN
  • 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 SWEDEN
  • 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 SWEDEN
  • 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 SWEDEN
  • 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 SWEDEN
  • 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 Forecast Sector Performance: 2008-2013
    • Table 131 Store Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 132 Store Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 133 Store Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
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