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英文調查報告書

瑞士的消費者金融市場

Consumer Finance in Switzerland

出版商 Euromonitor International 聯絡我們
出版日期 2009/03 內容資訊 Tables: 150
商品編碼 97663
價格 US $ 1,600 ~ Price List
US $ 1,600 PDF by E-mail (Single User License)
如何訂購
本頁所標示之售價為不含購買者所在地消費稅之未稅價格，相關消費稅金將另行加至交易金額中
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PDF by E-Mail
2個工作天後到貨
Hard Copy/CD-ROM
約5個工作天左右
TOC
此出版品為英文撰寫

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

Strong growth with plentiful new product development

Financial cards saw strong growth in terms of card volume during the review period, with this linked to numerous new launches. In 2003, high-value general purpose pre-paid cards appeared with the launch of Swiss Bankers Travel Cash Card, with further launches towards the end of the review period. Credit cards meanwhile notably benefited from the launch of co-branded cards by the leading retailers in the country, Migros and Coop. These retailers not only launched their own cards but also began to accept credit cards, greatly increasing the everyday usage of these cards.

"Other" pre-paid cards dynamic in 2008

"Other" pre-paid cards entered in 2004 with the MANOR gift card from Maus Fréres Group SA and continued to see strong growth towards the end of the review period. In 2007, "other" pre-paid cards received another big boost as dominating Swiss retailers Migros and Coop each launched gift cards. Consequently, "other" pre-paid cards remained the most dynamic area in financial cards in 2008 over the previous year in terms of card volume.

Increasing competition constrains some product areas

The strong development of co-branded credit cards and pre-paid cards however posed growing competition for other product areas in financial cards. Store cards' growth notably slowed, as Jelmoli department stores and Valartis Bank AG launched the first co-branded credit card in Switzerland in autumn 2006. The introduction of the first free retail co-branded credit cards in the same year by Migros and Coop also hindered store cards. In addition, the growing acceptance of credit cards and pre-paid cards hindered growth for charge cards.

Strong leaders see share erosion

UBS AG, PostFinance and Credit Suisse Group continued to be strong leaders in terms of financial cards volume in 2007, benefiting from their well-established reputations and wide product ranges. These players remained the three leaders overall in financial cards throughout the review period. However, all three lost share in terms of card volume in 2007 over the previous year, with this due to increasing competition from numerous new entrants towards the end of the review period, such as GE Money Bank and Valartis.

Continued growth due to wider acceptance and scope

Financial cards is expected to see continued strong growth in terms of cards in circulation during the forecast period. Growth will be supported by the strong development of credit cards, which saw a shift towards everyday usage thanks to the entry of Migros and Coop. Financial cards in general will benefit from wider acceptance among retailers and travel and tourism players during the forecast period, with growth also encouraged by the increasingly international positioning of many products. Growth will also be spurred by the ongoing dynamism of "other" pre-paid cards, with Swiss consumers being attracted by gift cards. In addition, Schweizer Reisekasse Reka is expected to drive growth in this area, with "other" pre-paid cards being viewed as a convenient alternative to the company' s Reka cheques.

  • CONSUMER FINANCE IN SWITZERLAND : MARKET INSIGHT
  • EXECUTIVE SUMMARY
  • Strong growth with plentiful new product development
  • "Other" pre-paid cards dynamic in 2008
  • Increasing competition constrains some product areas
  • Strong leaders see share erosion
  • Continued growth due to wider acceptance and scope
  • KEY TRENDS AND DEVELOPMENTS
  • Financial cards benefits from Switzerland' s entry to SEPA
  • "Other" pre-paid cards see dynamic growth
  • E-commerce becomes increasingly significant
  • ATM/POS terminals improve functionality
  • Mergers and acquisitions spurred on by globalisation
  • 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 SWITZERLAND
  • EXECUTIVE SUMMARY
  • Steady consumer spending drives lending in stagnant economy
  • Mortgage lending on the rise
  • Image of consumer credit improving as market expands
  • Co-branded cards facilitate penetration of revolving credit
  • Cards to drive consumer credit growth through 2013
  • KEY TRENDS AND DEVELOPMENTS
  • Rising incomes and spending drive consumer lending
  • Recent legislation induces growth in overdraft loans
  • Large lenders losing share to alternatives under increased competition
  • Most Swiss consumers continue sceptical towards credit
  • Mortgages continue to rise as a ' safe' debt investment
  • 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 - SWITZERLAND
  • GE MONEY BANK - FINANCIAL CARDS AND PAYMENTS - SWITZERLAND
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 3 GE Money Bank: Key Facts
    • Summary 4 GE Money Bank: Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
    • Summary 5 GE Money Bank: Competitive Position 2007
  • JELMOLI BONUS CARD AG - FINANCIAL CARDS AND PAYMENTS - SWITZERLAND
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 6 Jelmoli Bonus Card AG: Key Facts
    • Summary 7 Jelmoli Bonus Card AG: Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
  • SCHWEIZER REISEKASSE REKA - FINANCIAL CARDS AND PAYMENTS - SWITZERLAND
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 8 Schweizer Reisekasse Reka: Key Facts
    • Summary 9 Schweizer Reisekasse Reka: Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
    • Summary 10 Schweizer Reisekasse Reka: Competitive Position 2007
  • TELEKURS GROUP - FINANCIAL CARDS AND PAYMENTS - SWITZERLAND
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 11 Telekurs Group: Key Facts
    • Summary 12 Telekurs Group: Operational Indicators*
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
    • Summary 13 Telekurs Group: Competitive Position 2007
  • VALARTIS GROUP - FINANCIAL CARDS AND PAYMENTS - SWITZERLAND
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 14 Valartis Group: Key Facts
    • Summary 15 Valartis Group: Operational Indicators
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
    • Summary 16 Valartis Group: Competitive Position 2007
  • ATM TRANSACTIONS IN SWITZERLAND
  • 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 SWITZERLAND
  • 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 SWITZERLAND
  • 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 SWITZERLAND
  • 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 SWITZERLAND
  • 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 SWITZERLAND
  • 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
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