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市場調查報告書

全球零售業者的支付卡、點數卡、會員集點卡市場

Global Retailer Payment, Gift and Loyalty Cards

出版商 Finaccord Ltd. 商品編碼 310923
出版日期 內容資訊 英文 752 Pages
商品交期: 最快1-2個工作天內
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全球零售業者的支付卡、點數卡、會員集點卡市場 Global Retailer Payment, Gift and Loyalty Cards
出版日期: 2014年07月01日 內容資訊: 英文 752 Pages
簡介

全球的零售業者的支付卡計劃中,外部的卡片發行公司與一家合作的有53.2%,與複數企業協作的有6.7%,子公司發行的達14.8%,18.9%為零售業者自己發行、營運。關於卡片付款方案,Visa的佔有率稍微超過MasterCard,不過自家公司單獨方式的佔有率,比那些高很多。關於忠誠度計畫,零售業者整體55.7%為自家公司單獨方式或參加聯盟方式(或兩方)。在各地區中,亞洲的參加率66.7%為最高,接著是東歐、南東歐(63.9%),北美(61.2%)(包含參加複數計劃)。

本報告提供全球及主要60個國家的零售業者的支付卡、點數卡、忠誠度(點)計劃的普及、運用情形相關分析、整體普及、活用狀況和最新趨勢、各國、各方案的詳細趨勢資訊,為您概述為以下內容。

摘要整理

第1章 簡介

  • 本報告概要
  • 論點
  • 分析方法
  • 零售業者的調查
  • 分析對象地區
  • 定義
  • 支付卡、點數卡、忠誠度計畫
  • 經營模式
  • 加重市場佔有率
  • 關於PartnerBASE
  • 關於Finaccord

第2章 全球市場概況

  • 零售業者發行的支付卡
  • 信用/扣款/儲值卡
    • 全球市場約3/4,為共同品牌卡或者是自有品牌卡(尤其是北美)
    • 零售業支付卡的各種運用模式(外部企業有效利用,合資企業,完全子公司(方案的自家公司管理)等)
    • 運用形態的偏好依地區大不相同
    • 零售業支付卡的供應結構非常細分化
    • 擁有GE的卡片發行企業:在產業的評價高,不過成為出售對象
    • 現在,零售業者發行的卡片大半歸類於自有品牌卡
    • MasterCard、Visa:維持國際付款網路領域的壓倒性地位
    • 燃料經銷商:積極導入獨有支付卡,不過方案大部分來自超級市場/大賣場
  • 點數卡
    • 在北美的品牌商品商店之間,商店價值型點數卡寬廣普及
    • 特別在運動用品和百貨商店/雜貨店的領域,是全球性等級普及
  • 零售業者的忠誠度計畫
    • 全球零售店品牌的55%以上,某種形式的忠誠度計畫參加
    • 在亞洲參與率成為約2/3最高
    • 各類別(全10部門),用8部門參與率超過50%
  • 商店單獨型的忠誠度計畫
    • 主要零售連鎖店的40%以上,現在也維持自家公司獨自的忠誠度計畫
  • 聯合方式的忠誠度計畫
    • 部分忠誠度計畫朝海外發展
    • 但,大半的計劃是只在國內發展

第3章 阿根廷市場

第4章 澳洲市場

第5章 奧地利市場

第6章 比利時市場

第7章 波士尼亞與赫塞哥維納市場

第8章 巴西市場

第9章 保加利亞市場

第10章 加拿大市場

第11章 智利市場

第12章 中國市場

第13章 哥倫比亞市場

第14章 哥斯大黎加市場

第15章 克羅埃西亞市場

第16章 捷克市場

第17章 丹麥市場

第18章 厄瓜多市場

第19章 愛沙尼亞市場

第20章 芬蘭市場

第21章 法國市場

第22章 喬治亞市場

第23章 德國市場

第24章 希臘市場

第25章 香港市場

第26章 匈牙利市場

第27章 印度市場

第28章 印尼市場

第29章 愛爾蘭市場

第30章 義大利市場

第31章 日本市場

第32章 拉脫維亞市場

第33章 立陶宛市場

第34章 馬來西亞市場

第35章 墨西哥市場

第36章 荷蘭市場

第37章 紐西蘭市場

第38章 挪威市場

第39章 巴拉圭市場

第40章 秘魯市場

第41章 菲律賓市場

第42章 波蘭市場

第43章 葡萄牙市場

第44章 羅馬尼亞市場

第45章 俄羅斯市場

第46章 塞爾維亞市場

第47章 新加坡市場

第48章 斯洛伐克市場

第49章 斯洛維尼亞市場

第50章 南非市場

第51章 韓國市場

第52章 西班牙市場

第53章 瑞典市場

第54章 瑞士市場

第55章 台灣市場

第56章 泰國市場

第57章 土耳其市場

第58章 英國市場

第59章 烏克蘭市場

第60章 烏拉圭市場

第61章 美國市場

第62章 越南市場

第63章 附錄

圖表一覽

目錄

Global Retailer Payment, Gift and Loyalty Cards is a report, based on a comprehensive investigation covering over 6,000 major retail brands across 60 countries worldwide, about the provision of co-branded and private-label payment cards, gift cards and loyalty cards by major retailers around the world. Retailer participation in coalition loyalty schemes is also considered.

Eight regions covered, and the countries included in each, are as follows:

  • Asia: China, Hong Kong, India, Indonesia, Japan, Malaysia, the Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam;
  • Australasia: Australia, New Zealand;
  • Eastern and South-Eastern Europe: Bosnia-Herzegovina, Bulgaria, Croatia, Georgia, Greece, Romania, Russia, Serbia, Slovenia, Turkey, Ukraine;
  • Latin America: Argentina, Brazil, Chile, Colombia, Costa Rica, Ecuador, Mexico, Paraguay, Peru, Uruguay;
  • North America: Canada, the USA;
  • Northern and Central Europe: Austria, the Czech Republic, Denmark, Estonia, Finland, Germany, Hungary, Latvia, Lithuania, Norway, Poland, Slovakia, Sweden, Switzerland;
  • South Africa: South Africa;
  • Southern and Western Europe: Belgium, France, Ireland, Italy, the Netherlands, Portugal, Spain, the UK.

In total, the research identifies close to 2,000 retailer payment cards, over 2,000 closed-loop gift cards, and over 3,500 proprietary retailer loyalty programs and coalition loyalty schemes, thereby providing a definitive global analysis of retailer co-branded, loyalty and private label programs

Moreover, the PartnerBASE™ database that accompanies the report details each of the many initiatives for retailer credit, deferred debit, debit and open-loop rechargeable prepaid cards traced by Finaccord, specifying the operating models used by retailers, the payment networks to which the cards are affiliated and the identity of the ultimate card issuers in each case.

Key findings from the executive summary include:

  • of the payment card programs in evidence, 53.2% are based around the use of single external card issuers, with a further 6.7% using multiple external partners and 14.8% captive card-issuing entities, while 18.9% are reportedly managed by the retailers themselves, without support from a separate partner, either external or captive;
  • across all retailer payment card schemes identified worldwide, Visa is used as an associated payment network brand slightly more frequently than MasterCard although, by number of programs, private-label schemes continue to outnumber both by quite a wide margin;
  • with regards to loyalty programs, also included in Finaccord's research due to their importance as a platform for marketing payment cards, 55.7% of retail brands researched are involved in either a proprietary or coalition loyalty scheme, or in both;
  • when segmented by region, retailer involvement in loyalty programs is most prevalent in Asia, where 66.7% of retail brands surveyed participate in one or more loyalty schemes, followed by Eastern and South-Eastern Europe (63.9%) and North America (61.2%).

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
    • In most countries, retailing is the most important co-branding arena for card issuers...
    • ... and the number of active coalition loyalty programs is continuing to increase each year
    • The evolution of the retailing market itself also encourages the launch of retailer payment cards
  • Methodology
  • Survey of retailers
    • The survey's scope covers close to 6,500 major retail brands drawn from ten categories and 60 countries...
    • ... and classified according to their use of offline-only, online-only or mixed distribution models
  • Regions
    • Retailers are divided among eight different regions for the purposes of analysis
  • Definitions
  • Payment cards, gift cards and loyalty programs
  • Operating models
  • Weighted shares
  • PartnerBASE
  • Finaccord

2.0 GLOBAL OVERVIEW

  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Globally, over a quarter of major retail brands market a co-branded or private-label card...
    • ...with North America the region laying claim to the highest provision rate for such cards
    • Retailer payment cards are organised through a variety of different operating models...
    • ... including use of external, joint venture and captive card issuers plus schemes managed internally
    • Preferred operating models differ substantially from one region to another around the world
    • As would be expected, the supply structure for retailer payment cards is highly fragmented
    • Issuers owned by GE rank among the leaders although they are in the process of being divested
    • A substantial proportion of retailer payment cards remain configured as private-label cards...
    • ... with MasterCard and Visa well ahead of other international payment card networks
    • Fuel distributors are the most likely to have introduced their own payment card...
    • ... although most schemes lie in the supermarket / hypermarket sector
  • Gift cards
    • Stored-value gift cards are most widespread among major retail brands in North America...
    • ... and among sporting goods and department store / variety brands at the global level
  • Retailer loyalty programs
    • Over 55% major retail brands worldwide participate in some form of loyalty program...
    • ... with the rate of involvement highest in Asia, at close to two thirds
    • Involvement rates exceed 50% of those researched across eight of the ten retailer categories
  • Proprietary loyalty programs
    • Over 40% of major retail chains worldwide maintain their own proprietary loyalty scheme
  • Coalition loyalty programs
    • A few coalition loyalty programs operate in more than one country...
    • ... but most (including the most visible in Finaccord's analysis) are limited to just one

3.0 ARGENTINA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Co-branded or priv ate-label credit cards are on offer from almost a quarter of major retailers...
    • ... with the largest share of schemes in evidence managed internally by the retailers themselves
    • Among card issuers, Cencosud is the leader in both unweighted and weighted terms...
    • ... and CMR Falabella rises to second position in the weighted analysis
    • Private-label card schemes are more numerous than those linked to national or international networks
    • Payment card initiatives are most numerous among retailers in the supermarket and hypermarket sector
  • Gift cards
    • Stored-value gift cards have not yet gained much penetration among major retailers in Argentina
  • Retailer loyalty programs
    • Close to a quarter of major Argentine retailers are involved in a loyalty scheme of one sort or another...
    • ... with fuel brands and retailers of books and media products the most likely to be active in these fields
  • Proprietary loyalty programs
  • Coalition loyalty programs
    • The suspended ServiClub coalition scheme is expected to resume at some point in 2014

4.0 AUSTRALIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Fewer than 20% of major retail brands in Australia offer a co-branded or private-label payment card...
    • ...with most that are active in this sphere relying upon an external partner to issue these cards
    • Captive or internal provision is adhered to by just under a third of Australian retailers with cards
    • GE Money, HSBC and Lombard Finance claim the most partnerships for retailer cards
    • The majority of retailer cards in Australia run on the Visa network...
    • ... although private-label cards are most prominent in weighted terms
    • Three quarters of fuel retail brands surveyed have introduced their own payment card
    • Pure online retailers are the least likely to promote a payment card
  • Gift cards
    • Over 40% of major retail chains in Australia promote stored-value gift cards...
    • ...with initiatives for these products visible across all retailer categories
  • Retailer loyalty programs
    • A significant proportion of retail brands surveyed in Australia participate in some form of loyalty program
    • Retailers of consumer electronics are least likely to be involved in a loyalty program
  • Proprietary loyalty programs
    • Over a third of major retail chains in Australia have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Seven coalition loyalty programs are adhered to by retailers in Australia...
    • ...with all seven supporting one or more co-branded payment cards
    • flybuys possesses the largest member base of any loyalty scheme in Australia

5.0 AUSTRIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Only seven major retail brands in Austria operate their own co-branded or private-label payment card...
    • ... with most running this activity themselves rather than using a separate captive or external partner
    • card complete Service Bank and IKANO Bank are the two non-internal card issuers
    • Retailer cards in Austria are either private-label products or run on the Routex network
    • Fuel retail brands are by far the most likely to have introduced their own payment card
  • Gift cards
    • Over a quarter of major retail brands in Austria offer stored-value gift cards to their customers
  • Retailer loyalty programs
    • Just over 40% of retail brands surveyed participate in a loyalty program of one sort or another
    • Specialist retailers of health and beauty products are the most likely to have a loyalty program
  • Proprietary loyalty programs
    • Just under 40% of major retail chains in Austria have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Three coalition loyalty programs are in evidence in Austria but few retail brands participate in them

6.0 BELGIUM

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Almost a quarter of major retail brands operate their own co-branded or private-label payment card...
    • ... with Buy Way Personal Finance the most commonly cited issuer of retailer cards
    • Formerly owned by BNP Paribas, this company is now controlled by Apax Partners
    • Seven of the eight retailers issuing their cards on an internal basis are fuel retailers
    • Buy Way Personal Finance is ranked first in both unweighted and weighted terms
    • Nearly two thirds of retailer cards run on private payment networks in Belgium
    • Fuel retail brands are most likely to have introduced their own payment card
  • Gift cards
    • Over a half of major Belgian retailers offer a stored-value gift card...
    • ... with initiatives for these products visible across most retailer categories
  • Retailer loyalty programs
    • Over 40% of retail brands surveyed in Belgium participate in a loyalty program of one sort or another
    • Speciality retailers are the most likely to offer some form of loyalty program
  • Proprietary loyalty programs
    • More than a quarter of major retail chains in Belgium have launched their own loyalty scheme
  • Coalition loyalty programs
    • Two coalition loyalty programs include retailers in Belgium as participants

7.0 BOSNIA-HERZEGOVINA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Only three major retail brands in Bosnia-Herzegovina have introduced their own payment card...
    • ... with all three issuing and managing these cards themselves...
    • ... and with all three classifiable as private-label products
  • Gift cards
    • Stored-value gift cards are offered by a minority of major retail brands in Bosnia-Herzegovina
  • Retailer loyalty programs
    • One third of retail brands surveyed participate in a loyalty program...
    • ... with specialist retailers of health and beauty products the most likely to do so
  • Proprietary loyalty programs
    • Five major retail chains in Bosnia-Herzegovina have developed a proprietary loyalty scheme...
  • Coalition loyalty programs
    • ... although there is only one coalition loyalty program

8.0 BRAZIL

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Almost a half of major retail brands in Brazil operate a co-branded or priv ate-label payment card
    • Itaú Unibanco is the most frequently named partner for retailer payment cards in Brazil
    • Bradesco's retailer card division expanded greatly following its acquisition of ibi in 2009
    • Other providers, including Cetelem and Losango, also serve a significant number of retailers
    • Captive and joint venture card issuers are utilised in a minority of cases...
    • ... with internally-managed schemes occurring more frequently
    • Retail brands belonging to Walmart utilise a hybrid operating model
    • Midway Financeira is a substantial player in retailer payment cards in Brazil...
    • ...as is LuizaCred, a joint venture between Magazine Luiza and Itaú Unibanco
    • Given its partnerships, Itaú is likely to be the leading issuer of retailer payment cards
    • MasterCard and private-label programs are more numerous than Visa programs
    • All retail brands in two categories have introduced their own payment cards...
    • ... with brands operating an offline-only distribution model the most likely to promote a card
  • Gift cards
    • Just under a quarter of major retailers in Brazil offer a stored-value gift card...
    • ... with initiatives for these products visible across all retailer categories except one
    • Close to a third of retailers operating a mixed distribution model promote gift cards
  • Retailer loyalty programs
    • Just under a half of retail brands surveyed participate in any form of loyalty program
    • Specialist retailers of consumer electronics are least likely to have a loyalty program
  • Proprietary loyalty programs
    • Almost a half of major retail chains in Brazil have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Three different coalition loyalty programs have attracted major retail brands as partners in Brazil...
    • ...with dotz named by the largest number of retailers
    • Two coalition loyalty programs originate from the airline sector...
    • ...and both count retail brands owned by Walmart as active participants

9.0 BULGARIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Nine major retail brands in Bulgaria have launched a co-branded or private-label payment card...
    • ... with several making use of external card issuers for this purpose
    • UniCredit Bulbank claims two partnerships for retailer payment cards in Bulgaria...
    • ... and is also the owner of the Diners Club marque in this country
    • Most retailer cards in Bulgaria are configured as private-label products
    • Retail brands in only three categories have developed their own payment cards...
  • Gift cards
    • ... and involvement in gift cards is limited to just two
  • Retailer loyalty programs
    • Loyalty program involvement extends to over a half of retail brands surveyed in Bulgaria...
    • ... with supermarket and hypermarket brands accounting for the highest share of initiatives
  • Proprietary loyalty programs
    • Just under a half of major retail chains in Bulgaria have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Relatively few of the country's major retail brands have affiliated themselves to a coalition loyalty scheme

10.0 CANADA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Just over 30% of retailers in Canada promote a co-branded or private-label payment card...
    • ... with well over a third of these issued by captive providers
    • Although limited to four partners, Chase lays claim to some of the most important relationships
    • Canada Tire's captive partner serves four of the group's retail brands
    • Canada hosts a comparatively fragmented supply structure for retailer payment cards
    • President's Choice Bank serves the various retail brands of the Loblaw (Weston) group
    • Canadian Tire Bank has issued over 4 million MasterCard credit cards
    • TD Bank greatly expanded its payment card portfolio through acquisitions in 2011 and 2013
    • When viewed in weighted terms, Chase jumps to second position and Desjardins remains third
    • MasterCard is used a lot more frequently than Visa for retailer payment cards in Canada
    • Retailer payment card initiatives are most prevalent in the supermarket and hypermarket category
  • Gift cards
    • Over a half of major retail brands in Canada offer a closed-loop prepaid card
    • ...with those operating a mixed distribution model the most likely to be active in this field
  • Retailer loyalty programs
    • Over 40% of major retail brands in Canada participate in some type of loyalty scheme...
    • ...with supermarket and hypermarket brands the most likely to promote such a program
  • Proprietary loyalty programs
    • Almost a third of major retail brands in Canada operate a proprietary loyalty program
  • Coalition loyalty programs
    • Five coalition schemes are found with active retailer participation in Canada
    • Aeroplan is the original loyalty scheme of international loyalty firm Aimia...
    • ...while Air Miles represents another program with roots in aviation
    • Overwaitea's More Rewards program includes partners from outside the group...
    • ...as does Hudson's Bay Company's HBC Rewards, which was launched in 2001...
    • ...while the Canadian Automobile Association maintains its own coalition program

11.0 CHILE

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • A third of major retail brands in Chile operate their own co-branded or private-label payment card...
    • ... with captive card issuers constituting the dominant operating model in this context
    • Retailer cards account for over a half of the total number of credit cards in circulation in Chile
    • Banco de Chile and Banco Condell de CorpBanca are the only external card issuers used by retailers
    • Card issuers' partnership shares are similar whether viewed in unweighted or weighted terms
    • Some retailer payment cards run on closed, private networks or 'semi-open' networks...
    • ... while others now carry the MasterCard or Visa brands
    • Department stores and variety retailers are most likely to have introduced their own payment cards
    • The Falabella group has passed the half-way point in migrating customers to co-branded cards...
    • ...while Cencosud has launched a program to unify its retailer card programs under one central marque
    • In spite of interest from Itaú Unibanco, Cencosud has retained full ownership of its credit card business
    • Financial services make a very significant contribution to the revenues of the Ripley group in Chile
  • Gift cards
    • Comparatively few major retail brands in Chile offer a stored-value gift card
  • Retailer loyalty programs
    • Over a third of retail brands surveyed in Chile participate in a loyalty program of one sort or another
    • These brands are drawn from five out of ten retailer categories
  • Proprietary loyalty programs
    • 11 major retailers in Chile run their own proprietary loyalty program
  • Coalition loyalty programs
    • Three coalition loyalty programs are adhered to by retailers in Chile
    • LAN Airlines promotes a payment card issued by Santander, co-branded with its loyalty scheme...
    • ...while Falabella and Ripley run coalition schemes linked to cards issued by their captive banks

12.0 CHINA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Most retailer payment cards in China are configured as credit cards...
    • ... with 17 card issuers active in the market in total
    • ICBC is likely to be the leading issuer of retailer payment cards in China
    • UnionPay claims the highest share of network partnerships for retailer cards
    • The vast majority of retailer payment card programs are concentrated in three categories...
    • ... most notably that of supermarkets and hypermarkets
  • Gift cards
    • Well over a half of major retail brands in China have introduced stored-value gift cards...
    • ... with even online-only retailers scoring a provision rate of 50% in this arena
  • Retailer loyalty programs
    • Over 80% of retail brands surveyed in China participate in a loyalty program of one sort or another...
    • ... with significant activity rates apparent across all ten retailer categories
  • Proprietary loyalty programs
    • The great majority of major retailers in China run their own proprietary loyalty program
  • Coalition loyalty programs
    • China Rewards was launched in 2013 as a joint venture involving three organisations...
    • ...while the longer-established SmartClub reportedly has over 3 million active members
    • OK Card incorporates several features of a coalition scheme without being a true loyalty program

13.0 COLOMBIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Retailer payment cards have been launched by more than a third of major retail brands in Colombia...
    • ... with most arranged via a single external card issuer
    • Banco Falabella is the leading issuer in both unweighted and weighted terms...
    • ... ahead of Colpatria and Tuya (owned by Scotiabank and Bancolombia, respectively)
    • When viewed in weighted terms, the supply structure becomes more concentrated
    • By network affiliation, private-label schemes make up the largest single portion of the market
    • Eight retailer categories feature retail brand involvement in this sphere
  • Gift cards
    • Comparatively few major retailers in Colombia offer closed-loop prepaid cards to their customers
  • Retailer loyalty programs
    • The rate of involvement in loyalty programs nears 40% of major retail brands investigated...
    • ... with department stores and variety retailers the most likely to be active in this domain
  • Proprietary loyalty programs
    • 13 retail brands have linked their proprietary program to a corresponding payment card
  • Coalition loyalty programs
    • Only one coalition loyalty scheme features major retail brand involvement in Colombia

14.0 COSTA RICA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Retailer payment cards have been launched by more than one in three major retail brands in Costa Rica...
    • ... with almost all organised through a single external card issuer
    • BAC Credomatic is the leading issuer of retailer payment cards in both unweighted and weighted terms...
    • ... with Visa's share among networks falling significantly in the weighted analysis
    • Department stores and variety retailers feature the highest rate of involvement as a category
  • Gift cards
    • Less than one in four major retail brands maintains a stored-value gift card program in Costa Rica
  • Retailer loyalty programs
    • The rate of involvement in loyalty programs exceeds 50% of major retail brands investigated...
    • ... with supermarkets and hypermarkets the most likely to be active in this domain
  • Proprietary loyalty programs

15.0 CROATIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Co-branded or private-label payment cards are on offer from a dozen major retail chains in Croatia...
    • ... with eight managing these themselves rather than working with external card issuers
    • Konzum and Metro both collaborate with PBZ Card for co-branded American Express cards...
    • ... which endows that payment brand with the highest weighted share of network partnerships
    • Most retailer payment card initiatives are concentrated in the fuel and supermarket / hypermarket sectors
  • Gift cards
    • Comparatively few major retailers in Croatia offer stored-value gift cards
  • Retailer loyalty programs
    • Most retailer participation in loyalty programs is based around proprietary schemes
    • Seven out of eight retailer categories researched in Croatia feature loyalty program involvement
  • Proprietary loyalty programs
    • Proprietary loyalty schemes are up and running among just under 50% of major retail brands in Croatia...
  • Coalition loyalty programs
    • ... although the influence of coalition loyalty programs remains fairly limited

16.0 CZECH REPUBLIC

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • A relatively low proportion of major retail brands have introduced their own payment cards...
    • ... with most that do managing their schemes themselves on an internal basis...
    • ... albeit four external card issuers are in evidence as partners for retailer payment cards...
    • ... including PPF Group's Home Credit
    • In weighted terms, MasterCard is the leading network used for retailer cards
    • Five retailer categories feature no retailer payment cards whatsoever
  • Gift cards
    • The penetration of stored-value gift cards is also quite limited compared to elsewhere in Europe...
  • Retailer loyalty programs
    • ... although over 40% of retailers are involved in loyalty programs...
    • ... with participation rates highest among specialist retailers of health and beauty products
  • Proprietary loyalty programs
    • Two thirds of proprietary loyalty programs entail a loyalty card with no payment function
  • Coalition loyalty programs
    • All five of the country's coalition loyalty programs are run by financial institutions

17.0 DENMARK

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Retailer payment cards are available from close to a third of major retail chains in Denmark...
    • ... with many organised internally or issued via a captive
    • IKANO Bank serves as both a captive and external partner for retailer payment cards
    • Denmark's co-operative movement has taken its co-branded card program in-house
    • International payment brands exert a limited influence in the Danish retailer card market
    • All fuel brands have introduced their own payment card
  • Gift cards
    • Enthusiasm for offering stored-value gift cards is comparatively high
  • Retailer loyalty programs
    • Retailer involvement in loyalty programs is centred entirely on proprietary schemes
    • Loyalty program involvement is absent from two out of ten retailer categories
  • Proprietary loyalty programs
    • Over 40% of proprietary loyalty schemes are attached to both payment and non-payment cards

18.0 ECUADOR

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Just over 20% of major retailers in Ecuador maintain a co-branded or private-label payment card scheme...
    • ... with the lion's share of initiatives in evidence managed internally by the retailers themselves
    • Among external card issuers, Diners Club is the leader in both unweighted and weighted terms
    • A half of the network relationships for retailer cards in Ecuador involve private-label networks
    • Payment card initiatives are most numerous among department stores and mixed retailers
  • Gift cards
    • Gift cards are not an especially prominent offering among major retail brands in Ecuador
  • Retailer loyalty programs
    • The rate of involvement in coalition loyalty programs is higher than that for proprietary schemes...
    • ... with supermarkets and hypermarkets involved in the most loyalty programs overall
  • Proprietary loyalty programs
    • Less than a quarter of major retail chains in Ecuador have launched a proprietary loyalty scheme...
  • Coalition loyalty programs
    • ...while slightly more participate in one of the two coalition loyalty programs found in the country
    • Both coalition programs were originally proprietary schemes that have since expanded

19.0 ESTONIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Most retailer payment cards in Estonia are classifiable as credit cards...
    • ... and most are issued through external partners...
    • ... among which Swedbank claims the most partnerships
    • All retailer payment cards in Estonia either carry the MasterCard brand or are private-label products...
    • ... and all are concentrated among retail chains employing an offline-only distribution model
  • Gift cards
    • Stored-value gift cards enjoy a very high rate of penetration among the country's major retailers...
  • Retailer loyalty programs
    • ... as does loyalty program involvement...
    • ... by virtue of the fact that retailers in all categories are active in this sphere
  • Proprietary loyalty programs
    • Just under a half of major retail chains in Estonia have launched their own loyalty scheme...
  • Coalition loyalty programs
    • ... while a dozen participate in the two coalition loyalty programs in evidence in this country

20.0 FINLAND

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Retailer payment cards exist in debit and prepaid versions in addition to credit cards...
    • ... with three operating models used to manage them
    • Nine non-internal card issuers are active in Finland's retailer payment card market...
    • ... among which S-Pankki and Nordea Finance claim the highest share of partnerships
    • MasterCard and Visa are tied in the unweighted analysis but the former leads in weighted terms
    • Retailer cards are most numerous among supermarket and hypermarket brands
  • Gift cards
    • Over three quarters of major retail brands in Finland offer stored-value gift cards
  • Retailer loyalty programs
    • Involvement in loyalty programs extends to over two thirds of major retail brands in Finland...
    • ... with activity in evidence across all retailer categories and distribution models
  • Proprietary loyalty programs
    • Only one retailer runs a proprietary scheme that is not linked to any type of card
  • Coalition loyalty programs
    • Plussakortti is the coalition scheme that has attracted the most retail brands as participants

21.0 FRANCE

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Over a third of major retail brands in France operate their own co-branded or private-label payment card...
    • ... with captive and joint venture card issuers quite commonly used in this context
    • BNP Paribas Personal Finance is particularly prominent as a co-owner of retailer joint ventures
    • By weighted share of partnerships, Crédit Agricole Consumer Finance is ranked first
    • Deteriorating results mean that the ownership structure of LaSer Group may be subject to change
    • At a group level, Banque Accord saw steady growth in its key operating metrics during 2012
    • Carrefour Banque has around 2.25 million credit cards in circulation in France...
    • ... and significant customer numbers for a variety of its other financial products
    • Banque Casino experienced a change in its shareholder structure in 2011
    • Nearly a half of retailer cards run on private payment networks in France...
    • ...while Cofinoga represents a formerly private network that now serves multiple retailers
    • When viewed by network, weighted and unweighted shares are broadly similar
    • Fuel retail brands are most likely to have introduced their own payment card...
    • ... with brands operating a mixed distribution model also above the average
  • Gift cards
    • Just over a quarter of major French retailers offer a stored-value gift card...
    • ... with initiatives for these products visible across all retailer categories
  • Retailer loyalty programs
    • Just under 60% of retail brands surveyed participate in a loyalty program of one sort or another
    • Specialist retailers of consumer electronics are least likely to have a loyalty program
  • Proprietary loyalty programs
    • Just under a half of major retail chains in France have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Two coalition loyalty programs are adhered to by retailers in France

22.0 GEORGIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Retailer payment cards remain comparatively few in number...
    • ... and the few that do exist are issued and managed by the retailers themselves
  • Gift cards
    • Stored-value gift cards are also restricted to a small proportion of major retail brands
  • Retailer loyalty programs
    • Close to a third of Georgian retailers investigated are involved in a loyalty program...
    • ... with initiatives most numerous among supermarket and hypermarket brands
  • Proprietary loyalty programs
    • Only one proprietary scheme is linked to a corresponding retailer payment card
  • Coalition loyalty programs
    • Universal Card Company owns the program that has attracted the most retailers as participants

23.0 GERMANY

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Just over 20% of major retail brands in Germany offer a co-branded or private-label payment card...
    • ... with over half relying upon internal provision or captive or joint venture partnerships
    • Commerz Finanz, Hanseatic Bank and Santander Consumer Bank hold the most relationships...
    • ... with Landesbank Berlin limited to just one, albeit an important one
    • Almost all fuel retailers rely upon internal provision for the management of their payment cards
    • On both unweighted and weighted terms, Commerz Finanz is ranked first among card issuers
    • Nearly a half of retailer cards run on private payment networks in Germany...
    • ...with the three main open-loop networks gaining the most via weighting
    • Fuel retail brands are most likely to have introduced their own payment card...
    • ... with brands operating an offline-only distribution model also above the average
  • Gift cards
    • Just over 40% of major German retailers offer a stored-value gift card...
    • ... with initiatives for these products visible across all retailer categories
  • Retailer loyalty programs
    • Just over 60% of retail brands surveyed participate in a loyalty program of one sort or another
    • Supermarket brands are least likely to adhere to a loyalty program
  • Proprietary loyalty programs
    • Just under a third of major retail chains in Germany have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Five coalition loyalty programs are adhered to by retailers in Germany
    • Bertelsmann Group operates two separate loyalty programs in Germany...
    • ... although PAYBACK has more members than both combined

24.0 GREECE

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Co-branded or private-label payment cards are available from over a quarter of major retail brands...
    • ... with the majority of these organised through external card issuers...
    • ... albeit with one major scheme managed by a captive card issuer
    • In weighted terms, private-label cards outflank both MasterCard and Visa
    • Payment card schemes are concentrated in five retailer categories
  • Gift cards
    • Less than 20% of major retailers in Greece offer a stored-value gift card
  • Retailer loyalty programs
    • All loyalty programs are linked to either a payment card or a loyalty card with no payment function
    • 60% of retailers employing an offline-only distribution model are involved in this arena...
  • Proprietary loyalty programs
    • ... and more than 40% of all major retail chains have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • All five coalition loyalty schemes in Greece are managed by financial institutions

25.0 HONG KONG

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Less than 20% of major retailers offer a co-branded or private-label payment card of any type...
    • ... with most of those in evidence operated in conjunction with external partners
    • Among retailer payment card issuers, Bank of China leads in both unweighted and weighted terms...
    • ... with Visa clearly dominant among networks used for retailer payment cards
    • Retailer payment card programs are concentrated in five retail categories
  • Gift cards
    • Stored-value gift cards have not yet gained much penetration among major retailers in Hong Kong
  • Retailer loyalty programs
    • Loyalty scheme involvement applies to over 80% of major retail brands in Hong Kong...
    • ... with all retailers investigated in five categories found to be active in this sphere
  • Proprietary loyalty programs
  • Coalition loyalty programs
    • Both Asia Miles and enJoy card have attracted major retail brands as program participants

26.0 HUNGARY

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Retailer payment cards have been launched by less than 20% of major retail brands in Hungary...
    • ... with most organised internally or through an external card issuer
    • GE's Budapest Bank is the leading issuer in both unweighted and weighted terms...
    • ... with MasterCard overtaking private networks in the weighted analysis
    • Fuel distributors feature by far the highest provision rate as a category
  • Gift cards
    • A half of retailers offering gift cards are either fashion brands or supermarket / hypermarket chains
  • Retailer loyalty programs
    • The rate of involvement in loyalty programs exceeds 50% of major retail brands investigated...
    • ... with specialist retailers of sporting goods the most likely to be active in this domain
  • Proprietary loyalty programs
    • Eight retail brands have linked their proprietary program to a corresponding payment card
  • Coalition loyalty programs
    • Hungary hosts as many as eight different coalition loyalty programs featuring retailers as participants

27.0 INDIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Over 20 major retail brands in India promote a co-branded or private-label credit card
    • ICICI Bank claims by far the highest number of retailer payment card schemes...
    • ... although Citibank overtakes it in the weighted analysis of partnerships
    • Private-label retailer cards are marginalised by those linked to MasterCard and Visa
    • By category, fuel retail brands are most likely to have introduced their own payment card...
    • ... with offline-only retailers scoring the highest activity rate by distribution model
  • Gift cards
    • Close to 20% of major retail brands have introduced stored-value gift cards...
    • ... with initiatives for these products visible across most retailer categories
  • Retailer loyalty programs
    • Approaching 50% of major retail brands surveyed in India are involved in a loyalty program...
    • ... with much activity concentrated in the department store / variety, fashion and speciality categories
  • Proprietary loyalty programs
    • Nearly a quarter of major retail chains in India have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Five major coalition loyalty programs are adhered to by retailers in India...
    • ... among which PAYBACK (formerly i-mint) has signed up the most major retail brands as participants
    • Three other coalition programs have been established by banks...
    • ... and another by Tata Group's retail brands

28.0 INDONESIA

  • Introduction
  • Retailer payment cards
    • Credit, debit and prepaid cards
    • 14 major retail brands in Indonesia offer payment cards in one form or another
    • A variety of external card issuers are involved in managing retailer credit card schemes...
    • ... albeit two retailers utilise an issuer that can be classified as a captive
    • By weighted share of partnerships, Mandiri is ranked first among card issuers...
    • ... followed by BCA, Bank Mega, PermataBank and CIMB Niaga
    • Visa outscores both MasterCard and private-label cards as a network used for retailer payment cards
    • Most retailer payment card schemes are attributable to supermarket and hypermarket brands
    • Gift cards
    • Just under a third of major retail brands researched in Indonesia offer a stored-value gift card
  • Retailer loyalty programs
    • Just over half of retail brands surveyed in Indonesia operate a proprietary loyalty program...
    • ... with involvement in all retailer categories apart from sporting goods

29.0 IRELAND

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Co-branded or private-label payment cards are not widely offered by major Irish retailers...
    • ... and just three of the 12 in evidence are organised through external card issuers
    • One department store and six fuel brands issue and manage their own cards internally
    • The use of Visa for Tesco's co-branded card makes it the leading network in weighted terms
    • Payment card provision is ubiquitous among fuel brands
  • Gift cards
    • The penetration rate for gift cards is comfortably ahead of that for other types of retailer payment card
  • Retailer loyalty programs
    • Loyalty program involvement is not especially common among major retailers in Ireland...
    • ... and is entirely absent from three retailer categories

30.0 ITALY

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Less than 20% of major retail brands in Italy operate their own co-branded or private-label payment card...
    • ... with three major external card issuers involved in the majority of relationships
    • BNP Paribas is involved in both joint ventures found in the retail payment card sector
    • By weighted share of partnerships, Findomestic is ranked first
    • Roughly 30% of retailer cards run on private payment networks in Italy...
    • ...while MasterCard surpasses both private network and Visa cards when shares are weighted
    • Fuel retail brands are most likely to have introduced their own payment card...
    • ... while no retailer operating exclusively online has introduced its own payment card
  • Gift cards
    • Just over a quarter of major Italian retailers offer a stored-value gift card...
    • ... with initiatives for these products visible across almost all retailer categories
  • Retailer loyalty programs
    • Over half of retail brands surveyed participate in some form of loyalty program
    • Specialist retailers of consumer electronics are least likely to have a loyalty program
  • Proprietary loyalty programs
    • Over a third of major retail chains in Italy have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Two coalition loyalty programs count retail brands among their members in Italy
    • Nectar is the only coalition scheme to feature either a linked payment card or a loyalty card
  • 1b>31.0 JAPAN
  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Over a half of major retail brands in Japan offer a co-branded or private-label payment card...
    • ... with captive card issuers constituting the dominant operating model in this context
    • The largest of these are likely to be AEON Credit Service, Rakuten Bank and Seven Card
    • Idemitsu Credit and Saison Card are the two joint venture card issuers active in this field...
    • ... in which well over 30 entities are present in total
    • Card issuers owned by Sumitomo Mitsui Financial Group would lead if considered together
    • AEON Credit Service has a portfolio of over 30 million credit cards issued in Japan
    • Mizuho Financial Group's Credit Saison is party to multiple joint ventures
    • Seven Card is one component in Seven & I's broader financial services division
    • Rakuten Bank has experienced very rapid growth in both revenues and profitability
    • By both unweighted and weighted share of partnerships, JCB overtakes MasterCard
    • All major retail brands surveyed in two categories in Japan have introduced their own payment cards
  • Gift cards
    • Well over a half of major retail brands in Japan offer a stored-value gift card...
    • ... with the provision rate highest among retailers selling both offline and online
  • Retailer loyalty programs
    • Participation in loyalty programs runs at over three quarters of the major retail brands investigated...
    • ... with provision rates exceeding 50% in all retailer categories
  • Proprietary loyalty programs
    • Proprietary loyalty programs are most popular among major Japanese retailers...
  • Coalition loyalty programs
    • ... although as many as seven coalition loyalty programs attract some retailer involvement
    • JAL Mileage Bank has the most retail sector partners out of the schemes surveyed...
    • ...although by number of members, ANA Mileage Club is not far behind
    • T Point was launched originally as a proprietary loyalty scheme for Tsutaya...
    • ...just as Top Club Q mainly serves department store Tokyu, its parent company

32.0 LATVIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Only five major retail brands in Latvia offer co-branded or private-label payment cards...
    • ... although both debit and rechargeable prepaid cards are in evidence as well as credit cards
    • Nordea Finance is used as an external card issuer by three retailers
    • Only three sectors host retailers offering co-branded or private network payment cards
  • Gift cards
    • Stored-value gift cards are offered by over a third of major retail brands surveyed in Latvia...
  • Retailer loyalty programs
    • ... and over two thirds participate in a loyalty program of one sort or another...
    • ... with involvement visible across retailers in nine out of ten categories
  • Proprietary loyalty programs
    • Five proprietary programs are linked to a corresponding payment card
  • Coalition loyalty programs
    • Three retailers participate in the BalticMiles scheme

33.0 LITHUANIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Seven major retail brands in Lithuania offer a co-branded or private-label payment card...
    • ... with most products issued and managed by the retailers themselves
    • Nordea Finance and SEB are active as external issuers of retailer payment cards in Lithuania
    • Apart from private-label products, Maestro, MasterCard and Routex all feature as payment card brands
    • Only three out of the ten retail categories in Lithuania feature any sort of payment card provision
  • Gift cards
    • 14 major retail brands in Lithuania offer gift cards to their customers
  • Retailer loyalty programs
    • Loyalty program involvement is high with over a half of retailers having created a proprietary scheme
    • ... and with initiatives visible across all retailer categories and distribution models
  • Proprietary loyalty programs
    • Six retailers running their own loyalty programs have linked it to a corresponding payment card
  • Coalition loyalty programs
    • Three coalition loyalty programs exist but few major retail brands participate in them

34.0 MALAYSIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Less than a quarter of major retail brands in Malaysia operate a co-branded or private-label payment card...
    • ... although a variety of external card issuers are involved in this sphere
    • Seven retail brands manage credit card schemes on an internal basis or via captive entities
    • RHB is the leading provider of retailer payment cards viewed in both unweighted and weighted terms...
    • ... as a consequence of its relationships with KL Sogo and Tesco
    • Visa is the payment brand most commonly found in conjunction with retailer payment cards
    • Payment cards are ubiquitous among major fuel distributors...
    • ... but are entirely absent in the case of online-only retailers
  • Gift cards
    • Gift card programs are apparent in categories other than that of sporting goods retailers
  • Retailer loyalty programs
    • Just over a half of major retail brands in Malaysia are involved in a loyalty program...
    • ... with enthusiasm highest among fuel distributors and retailers of books and media products
  • Proprietary loyalty programs
    • A significant number of major retail chains in Malaysia operate their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Four coalition loyalty schemes attract retailer participation in Malaysia...
    • ... including BIG, which launched in November 2011...
    • ... plus BonusLink which has accumulated in excess of 8 million members

35.0 MEXICO

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Over a third of major retail brands in Mexico operate their own co-branded or private-label payment card...
    • ... with captive card issuers quite commonly active in this context
    • Banco Azteca has expanded its distribution reach to more than 1,400 branches since launch...
    • ... helping both consumer loans outstanding and pre-tax profits to surge in recent years
    • BanCoppel has also experienced a rapid increase in both its loan book and profitability...
    • ... although the progress made by Banco Famsa has been slightly less eye-catching...
    • ... and Banco Walmart remains loss-making despite strong growth in consumer loans
    • Banco Fácil has been reconfigured as Consubanco by its two co-owners
    • When viewed on a weighted basis, MasterCard overtakes Visa as a retailer payment card brand
    • Department stores and variety retailers are most likely to have introduced their own payment card...
    • ... although card programs launched by supermarket or hypermarket brands are most numerous
  • Gift cards
    • Just over 20% of major Mexican retailers offer stored-value gift cards
  • Retailer loyalty programs
    • Retailer involvement in loyalty programs is limited to proprietary (as opposed to coalition) schemes
    • Only major retail brands in the fuel and sporting goods categories are absent from this sphere
  • Proprietary loyalty programs
    • 35 major retail brands operate their own proprietary loyalty programs
  • Coalition loyalty programs
    • Some retailers allow members to redeem program currency but none to earn it

36.0 NETHERLANDS

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Enthusiasm for co-branded and private-label payment cards remains muted among Dutch retailers...
    • ... with a narrow majority of initiatives in evidence managed internally by the retailers themselves
    • Among external card issuers, LaSer Cards is the leader in both unweighted and weighted terms...
    • ... ahead of both International Card Services and Santander Consumer Finance
    • Over a half of retailer cards in the Netherlands are private-label products
    • Payment card initiatives are most numerous among fuel distributors and offline-only retailers
  • Gift cards
    • Gift cards are only absent from the category of books and media product retailers
  • Retailer loyalty programs
    • The rate of involvement in coalition loyalty programs is higher than that for proprietary schemes...
    • ... with health and beauty chains the most likely to be active in these fields
  • Proprietary loyalty programs
    • Just over a quarter of major retail chains in the Netherlands have launched a proprietary loyalty scheme
  • Coalition loyalty programs
    • EuroClix has more than seven times as many participating retailers than Air Miles

37.0 NEW ZEALAND

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Co-branded or private-label credit cards are on offer from almost a quarter of major retailers...
    • ... with programs fairly evenly split between external partner and internal or captive operating models
    • Among card issuers, GE Money emerges as leader in both unweighted and weighted terms
    • TheWarehouse Group has announced plans to expand its financial services operations
    • Private-label card schemes are more numerous than those linked to international networks
    • Retailer payment card schemes are apparent in seven out of ten retailer categories in New Zealand
  • Gift cards
    • Stored-value gift cards are available from a clear majority of major retailers researched in New Zealand
  • Retailer loyalty programs
    • Almost a half of retailers in New Zealand participate in a proprietary or coalition loyalty program...
    • ... with fuel brands and retailers of books and media products the most likely to be active in these fields
  • Proprietary loyalty programs
  • Coalition loyalty programs
    • AA Smartfuel and Fly Buys are the two coalition loyalty schemes with retailer involvement in New Zealand

38.0 NORWAY

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Co-branded or private-label payment cards are available from over 20% of major retail chains...
    • ... with almost all initiatives involving an external card issuer in one form or another
    • ... and with seven such external partners in evidence including GE Money Bank and IKANO Bank
    • MasterCard is the most prominent network for retailer cards in both unweighted and weighted terms
    • Retail brands in four categories have introduced co-branded or private-label payment cards
  • Gift cards
    • ... and involvement extends to eight categories in the case of gift cards
  • Retailer loyalty programs
    • Over a third of major retail brands in Norway participate in a loyalty program of one sort or another...
    • ... with initiatives most numerous among supermarket and hypermarket brands
  • Proprietary loyalty programs
    • Six out of 18 proprietary loyalty programs are not linked to any type of card
  • Coalition loyalty programs
    • The Trumf scheme has attracted ten major retail brands as participants

39.0 PARAGUAY

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • A few retailer payment card schemes have been introduced in Paraguay...
    • ... with a narrow majority of initiatives in evidence operated by external partners
    • Banco Itaú is used by two high-profile supermarket brands
    • Private-label card schemes account for the majority of retailer payment card schemes
    • Payment card initiatives are most numerous among retail brands operating a mixed distribution model
  • Gift cards
    • Major retail brands in Paraguay display little enthusiasm for introducing gift cards
  • Retailer loyalty programs
    • A third of retailers participate in either a proprietary or coalition loyalty scheme...
    • ... with supermarket and hypermarket brands the most likely to be active in these fields
  • Proprietary loyalty programs
    • Two retailers have linked their loyalty scheme only to a corresponding retailer payment card
  • Coalition loyalty programs
    • Just one coalition program has attracted retailer involvement in Paraguay

40.0 PERU

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • A substantial percentage of major Peruvian retailers promote co-branded or private-label payment cards...
    • ... with a clear majority making use of a captive issuer in this context
    • Among all card issuers, Banco Falabella is the leader in both unweighted and weighted terms...
    • ... in a market in which there are a dozen non-internal card issuers in total
    • Visa is dominant as a network used for retailer payment card programs
    • Payment card initiatives are most numerous among fuel distributors and offline-only retailers
  • Gift cards
    • Closed-loop gift cards are yet to establish much of a foothold among major retailers in Peru
  • Retailer loyalty programs
    • Just over a half of retailers participate in either a coalition or proprietary loyalty scheme...
    • ... with at least one brand involved in this area in eight of the retailer categories investigated
  • Proprietary loyalty programs
    • Just under a third of major retail chains in Peru have launched a proprietary loyalty scheme...
  • Coalition loyalty programs
    • ...with a slightly higher figure participating in one of two coalition programs

41.0 PHILIPPINES

  • Introduction
  • Retailer payment cards
    • Credit, debit and prepaid cards
    • Retailer payment cards have been launched by over a quarter of major retail brands in the Philippines...
    • ... with eight external card issuers involved in this field...
    • ... albeit with some schemes run through captive card issuers or an internally-managed model
    • By weighted share of partnerships, BDO is ranked first among retailer payment card issuers
    • ... followed by RCBC Bankard, which is aiming for around 750,000 cardholders by the start of 2015
    • MasterCard has more partnerships than Visa in the retailer payment card market of the Philippines
    • As in other countries, provision rates are particularly high in the fuel retail sector
    • Gift cards
    • Among those researched, only three major retail brands in the Philippines offer stored-value gift cards
  • Retailer loyalty programs
    • Just over half of retail brands surveyed in the Philippines participate in some form of loyalty program...
    • ... with involvement only absent from one out of ten retailer categories, namely sporting goods
    • Proprietary loyalty programs
    • Over a third of major retail chains in the Philippines have launched their own proprietary loyalty scheme
    • Coalition loyalty programs
    • Three coalition loyalty programs are adhered to by major retail brands in the Philippines
    • Two subsidiaries of SM Investment Corporation run parallel coalition loyalty schemes
    • Fly/Buy Points can only be accumulated using a Robinsons-Cebu Pacific MasterCard

42.0 POLAND

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Less than one in five major retail brands in Poland offer a co-branded or private-label payment card...
    • ... with most that are active in this sphere relying upon an external partner to issue these cards
    • Auchan's joint venture with Crédit Agricole serves both Auchan and Leroy Merlin
    • Whether measured by unweighted or weighted share of partnerships, Sygma Bank is ranked first
    • Retailer cards running on networks other than MasterCard and Visa are relatively few
    • Fuel retail brands are most likely to have introduced their own payment card
    • No online-only retailers in Poland have launched their own payment card
  • Gift cards
    • Comparatively few major Polish retailers offer a stored-value gift card
  • Retailer loyalty programs
    • Just over a half of retail brands surveyed participate in a loyalty program...
    • ... with activity rates highest among retailers of health and beauty products
  • Proprietary loyalty programs
    • Just over a quarter of major retail chains in Poland have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Three coalition loyalty programs in Poland can count retailers among their partners...
    • ... of which PAYBACK is the most prominent by number of retail sector members

43.0 PORTUGAL

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Enthusiasm is high for co-branded and private-label payment cards among Portuguese retailers...
    • ... with the majority of schemes run in conjunction with external card issuers
    • Cetelem is the most commonly cited partner for retailer payment cards
    • ... in a market hosting a relatively high number of non-internal providers
    • A half of Portuguese retailer payment cards may be classified as private-label products
    • All retail brands in three categories have introduced co-branded or priv ate-label payment cards
  • Gift cards
    • Stored-value gift cards are most numerous in the fashion and consumer electronics categories
  • Retailer loyalty programs
    • Most retailer involvement in loyalty programs centres around proprietary schemes...
    • ... with activity visible across nine out of ten retailer categories
  • Proprietary loyalty programs
    • Over 60% of proprietary loyalty schemes are associated with a corresponding payment card
  • Coalition loyalty programs
    • Only one coalition loyalty scheme includes retailers as participants in Portugal

44.0 ROMANIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • All retailer co-branded and private-label payment cards in Romania are classifiable as credit cards...
    • ... and the majority of these are run in conjunction with external card issuers
    • There are eight non-internal card issuers in evidence among which BRD Finance is the leader
    • MasterCard is the most popular network in Romania's retailer payment card market
    • Provision rates are highest among retailers employing a mixed distribution model
  • Gift cards
    • Stored-value gift cards are yet to achieve much penetration among major retail brands in Romania...
  • Retailer loyalty programs
    • ... although loyalty scheme involvement is substantial...
    • ... irrespective of retailer category and distribution model
  • Proprietary loyalty programs
    • Proprietary loyalty schemes have been developed by close to a half of retail chains investigated
  • Coalition loyalty programs
    • All four coalition loyalty programs have been developed by financial institutions

45.0 RUSSIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Almost 15% of major retail brands in Russia offer a co-branded or private-label payment card...
    • ... with a wide field of external partners used in this context
    • Credit Europe Bank unveiled a new joint venture with IKANO in mid-2013
    • Russian Standard Bank is the country's most prolific issuer of credit cards
    • By weighted shares of partnerships, Credit Europe Bank is ranked first
    • A half of Russian retailer cards run on the MasterCard network...
    • ... and its share increases substantially after weighting is applied
    • Fuel retail brands are most likely to have introduced their own payment card...
    • ... although no online-only retailers have yet done so
  • Gift cards
    • Over 40% of major Russian retailers offer a stored-value gift card...
    • ... with initiatives for these products visible across all retailer categories
  • Retailer loyalty programs
    • Nearly three quarters of retail brands surveyed participate in some form of loyalty program
    • No category of retailer features rate of involvement in loyalty programs lower than 50%
  • Proprietary loyalty programs
    • Nearly two thirds of major retail chains in Russia have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Five coalition loyalty programs have signed up retail brands as partners for points collection
    • The Megacard program is associated with retailers at specific IKANO-owned malls in Russia...
    • ...although Malina remains the largest program by number of active participants
    • Several banks in Russia have launched coalition loyalty schemes for their customers

46.0 SERBIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Most co-branded and private-label payment cards offered by retailers are classifiable as credit cards...
    • ... and most are issued and managed by the retailers themselves on an internal basis...
    • ... albeit Crédit Agricole, Komercijalna Banka and Raiffeisen Bank are all used as external providers
    • Most retailer payment cards in Serbia operate on private networks
    • Initiatives are most numerous among fuel retailers and supermarket / hypermarket brands
  • Gift cards
    • All major retailers of health and beauty products offer gift cards
  • Retailer loyalty programs
    • All loyalty programs are linked to either a payment card or a loyalty card with no payment function...
    • ... and retailer involvement is most visible in the category of supermarkets and hypermarkets
  • Proprietary loyalty programs
    • Eight major retail chains in Serbia have introduced their own proprietary loyalty scheme...
  • Coalition loyalty programs
    • ... and four participate in coalition loyalty programs

47.0 SINGAPORE

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • A reasonable proportion of retail brands have credit card schemes but few offer debit or prepaid cards
    • A variety of external card issuers are involved in Singapore's retailer credit card market
    • By both unweighted and weighted share of partnerships, OCBC is ranked first among card issuers
    • OCBC has strengthened its ties with NTUC through a number of shared initiatives...
    • ... which have helped it to win a significant number of additional customers
    • Visa claims the highest network share of partnerships for retailer payment cards in Singapore
    • Department store / variety chains and fuel brands feature the highest provision rates for payment cards
  • Gift cards
    • Just under a quarter of major retail brands in Singapore offer a stored-value gift card...
    • ... with initiatives for these products visible across five out of ten retailer categories
  • Retailer loyalty programs
    • Close to a half of retail brands surveyed in Singapore participate in some form of loyalty program...
    • ... with involvement extending to all retail brands researched in two categories
  • Proprietary loyalty programs
    • Just over 40% of major retail chains in Singapore have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Plus! claims to be the largest loyalty program in Singapore with over 1.5 million cardholders
    • The card associated with another coalition loyalty scheme originates from public transportation

48.0 SLOVAKIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • A dozen Slovakian retailers promote a co-branded or private-label payment card of some type...
    • ... with most products issued and managed internally by the retailers themselves...
    • ... albeit Cetelem, Home Credit and Quatro each claim one retailer partnership
    • When networks are viewed in weighted terms, MasterCard overtakes private-label schemes
    • Payment cards have been introduced by all seven fuel retailers investigated in Slovakia
  • Gift cards
    • Stored-value gift cards are rarely offered by major retail brands in Slovakia...
  • Retailer loyalty programs
    • ... although more than a half are involved in the field of loyalty programs...
    • ... with activity visible across all ten retailer categories

49.0 SLOVENIA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • A small number of major retail brands in Slovenia offer a co-branded or private-label payment card...
    • ... with most of these issuing and managing the cards themselves
    • American Express and Routex appear as networks but MasterCard and Visa are entirely absent
    • The fuel sector accounts for most of the retailer payment cards in evidence
  • Gift cards
    • Stored-value gift cards are promoted by the vast majority of retailers surveyed in Slovenia
  • Retailer loyalty programs
    • All loyalty programs are linked to either a payment card or a loyalty card with no payment function
    • Loyalty scheme involvement extends to major retail brands in six categories
  • Proprietary loyalty programs
    • Ten major retail chains in Slovenia promote their own proprietary loyalty schemes
  • Coalition loyalty programs
    • Mercator Pika is the only major coalition loyalty program found among retailers in Slovenia

50.0 SOUTH AFRICA

  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Just under 20% of major retail brands in South Africa offer a co-branded or priv ate-label payment card...
    • ...with most that are active in this sphere relying upon an external partner to issue these cards
    • Absa aims to generate growth from its acquisition of Edcon's priv ate-label store card portfolio
    • Captive, internal or joint venture provision is adhered to by over a half of South African retailers with cards
    • In the most recent financial year, the card and loan receivables of RCS grew by over 20%
    • ... while active credit accounts at Mr Price Money have exceeded the 1.3 million threshold
    • Absa Bank, Financial Services FG and RCS claim the most partnerships for retailer cards
    • The vast majority of retailer cards in South Africa run on private networks
    • All fuel retail brands surveyed have introduced their own payment card
    • No online-only retailers in South Africa have launched their own payment card
  • Gift cards
    • Almost a quarter of major retail brands in South Africa promote a stored-value gift card...
    • ... with initiatives for these products visible across all retailer categories
  • Retailer loyalty programs
    • Just over a third of retail brands surveyed participate in any form of loyalty program...
    • ... with activity rates highest among retailers of books and media products
  • Proprietary loyalty programs
    • A total of 24 major retail chains in South Africa run their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Seven coalition loyalty schemes attract retailer participation in South Africa...
    • ... including Avios, which launched in August 2013
    • Discovery has established a loyalty program aimed at encouraging a healthy lifestyle
    • One coalition program is based on a 'cardless' platform

51.0 SOUTH KOREA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Over a half of major retail brands in South Korea have their own co-branded or private-label credit card...
    • ... albeit debit cards are increasing in popularity, in part as the result of government policy
    • Many retailers utilise more than one external card issuer for their payment card program...
    • ... while a few work through captive or joint venture card issuers
    • By weighted share of partnerships with retailer brands, Woori Card is ranked first among card issuers
    • Woori Card was spun off from Woori Financial Group at the beginning of 2013
    • Hana Financial Group's acquisition of KEB makes it the country's second-largest financial group
    • Local banks and foreign-owned banks vie with national competitors for market share
    • A number of issuers of retailer payment cards have been created in the relatively recent past
    • Excluding private-label cards, retailer payment cards are linked to as many as nine different networks
    • BC Card is a national credit card company with international ambitions
    • Payment card schemes are most prevalent among fuel retailers and books and media chains
  • Gift cards
    • Closed-loop prepaid cards do not enjoy especially high penetration among major retail brands
  • Retailer loyalty programs
    • Most major retail brands surveyed in South Korea participate in some form of loyalty program...
    • ... with activity rates highest among online-only retailers
  • Proprietary loyalty programs
    • More than two thirds of major retail chains in South Korea operate their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Nine coalition loyalty programs are adhered to by major retail brands in South Korea...
    • ...with five supporting a co-branded payment card
    • South Korea's three main mobile network operators all operate coalition loyalty schemes...
    • ... while others hail from a variety of different sources

52.0 SPAIN

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Just over a quarter of major retail brands in Spain offer a co-branded or private-label payment card...
    • ... with over a half issued by a fairly broad range of external partners
    • Internal, captive or joint venture provision is adhered to by nearly 40% of Spanish retailers with cards...
    • ...including the various brands owned by El Corte Inglés
    • Cofidis is active as an issuer of retailer cards in Spain both as an external partner and as a joint venture
    • By weighted share of partnerships, unoe is ranked first among providers of retailer cards
    • Over half of retailer cards run on private networks in Spain
    • When viewed by network, unweighted and weighted partnership shares are broadly similar
    • Fuel retail brands are most likely to have introduced their own payment card...
    • ... with offline retailers more likely than either online-only or mixed retailers to offer a card
  • Gift cards
    • Just under a quarter of major Spanish retailers offer a stored-value gift card...
    • ... with initiatives for these products visible across all retailer categories
  • Retailer loyalty programs
    • Just under half of retail brands surveyed participate in a loyalty program of one sort or another
    • Specialist retailers of consumer electronics are least likely to have a loyalty program
  • Proprietary loyalty programs
    • Just over 40% of major retail chains in Spain have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • To one extent or another, five coalition loyalty programs are adhered to by retailers in Spain
    • The internet-based Maximiles scheme has the most active retail partners in Spain...
    • ...while the Turyocio coalition program has experienced a decrease in member retailers

53.0 SWEDEN

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Debit and rechargeable prepaid products are available as retailer cards as well as credit cards...
    • ... in a market in which use of external partners runs just ahead of that of captive or internal schemes
    • Six different card providers serve as external card issuers to retailers in Sweden...
    • ...including IKANO Bank, which also functions as a captive in the case of IKEA
    • Other captives are ICA Banken, MedMera Bank and OKQ8 Bank
    • ICA Banken is achieving solid growth in both its customer lending and savings activities
    • Aside from private-label products, MasterCard is most prominent as a network used for retailer cards
    • Retailer payment card initiatives are visible across seven out of ten categories
  • Gift cards
    • ... reaching ten out of ten in the case of gift cards, which are commonly offered in Sweden
  • Retailer loyalty programs
    • Most involvement in loyalty schemes is centred around proprietary programs...
    • ... with initiatives most numerous among fashion brands
  • Proprietary loyalty programs
    • A significant proportion of proprietary loyalty programs are not linked to any type of card
  • Coalition loyalty programs
    • The Kooperativa Förbundet's coalition scheme boasts a substantial number of members

54.0 SWITZERLAND

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Almost all retailer co-branded and private-label payment cards are configured as credit cards...
    • ... with a diverse range of operating models used to issue and manage them
    • Accarda serves several retailers, acting as both an external partner and as a joint venture...
    • ...while Credit Suisse is used by retail brands owned by Coop Schweiz
    • Three other non-internal card issuers are also active in the Swiss retailer payment card sector
    • American Express, Maestro, MasterCard, Routex and Visa are all used as networks
    • Retailer payment cards appear in all but two categories...
  • Gift cards
    • ... and gift cards are absent from just one
  • Retailer loyalty programs
    • Swiss retailers display a high propensity to participate in loyalty programs...
    • ... with rates of involvement exceeding 50% of brands researched in nine out of ten categories
  • Proprietary loyalty programs
    • Just under 40% of major retail chains in Switzerland have set up a proprietary loyalty scheme
  • Coalition loyalty programs
    • Eight different coalition loyalty programs are available to retailers in Switzerland...
    • ... originating from a variety of sectors

55.0 TAIWAN

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Well over a third of major retailers in Taiwan market a co-branded or private-label credit card...
    • ... with most schemes run in conjunction with external card issuers...
    • ... among which E Sun Bank and Taishin Bank claim the highest share of partnerships...
    • ... in a market in which there are a further seven non-internal issuers of retailer payment cards
    • When viewed in weighted terms, the share of partnerships of the two leading issuers exceeds 50%
    • Most retailer payment cards in Taiwan are configured as either MasterCard or Visa cards
    • Two retailer categories account for over a half of retailer payment card schemes in evidence
  • Gift cards
    • Stored-value gift cards have yet to be introduced by many major retailers in Taiwan
  • Retailer loyalty programs
    • Participation in loyalty programs extends to over 90% of major retail brands investigated in Taiwan...
    • ... with seven out of ten retailer categories featuring maximum 100% provision rates
  • Proprietary loyalty programs
  • Coalition loyalty programs
    • The Happy Go program is the only coalition loyalty scheme in Taiwan with major retailers as members

56.0 THAILAND

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • A quarter of major retail brands in Thailand offer a co-branded or private-label payment card...
    • ... with most of these set up in association with external card issuers
    • Among card issuers, Citibank holds the highest number of retailer payment card partnerships...
    • ... but is overtaken by Krungsri in the weighted analysis
    • Visa's network share of partnerships easily exceeds 50% in both unweighted and weighted terms
    • Retailer payment card initiatives in Thailand are concentrated in four retailer categories
  • Gift cards
    • Stored-value gift cards are on offer from a fairly low proportion of major Thai retail brands
  • Retailer loyalty programs
    • Almost a half of major retailers in Thailand operate a proprietary loyalty scheme...
    • ... although, somewhat unusually, none are in evidence among fashion brands
  • Proprietary loyalty programs

57.0 TURKEY

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Less than 10% of major retail brands in Turkey operate a co-branded or private-label payment card...
    • ...with Garanti Bank and Yapi Kredi the most commonly reported partners in this sphere
    • Yapi Kredi, co-owned by Koç Holding and UniCredit, is a major issuer of payment cards in Turkey
    • In total, six card issuers have been successful in securing partnerships with major retail brands
    • In addition to private-label products, cards linked to four different payment networks are visible
    • Fuel retailers and supermarket brands account for the lion's share of initiatives
  • Gift cards
    • Gift card programs are apparent in all other than two retailer categories
  • Retailer loyalty programs
    • Turkey is characterised by a very high rate of retailer involvement in loyalty programs...
    • ... due mainly to the enduring popularity of five bank-owned coalition loyalty schemes
  • Proprietary loyalty programs
    • A number of major retail chains in Turkey have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Across retailers surveyed, Bonus Card and Maximum claim the most participants...
    • ... while Bonus Card and World possess the most consumer members

58.0 UK

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • A reasonable proportion of retail brands have credit card schemes but few offer debit or prepaid cards
    • A variety of external card issuers are involved in managing retailer credit card schemes
    • A handful of retailers manage credit card schemes internally or via captive entities...
    • ...and two large brands offer multiple cards through a hybrid distribution model
    • Home Retail Group Card Services continues to sign up new account holders at a steady rate...
    • ...while the major external partners all reported earning profits in their most recent disclosures
    • Santander Cards is ranked first as an external partner on both a weighted and unweighted basis
    • The majority of retailer cards in the UK are classifiable as private-label products...
    • ... with MasterCard's position as the leading network increasing when viewed in weighted terms
    • All fuel retail brands surveyed have introduced their own payment card
    • Pure online retailers are the least likely to promote a payment card
  • Gift cards
    • Just under a quarter of major retail brands in the UK offer a stored-value gift card...
    • ... with initiatives for these products visible across all retailer categories
  • Retailer loyalty programs
    • Over 50% of retail brands surveyed in the UK participate in some form of loyalty program
    • Specialist retailers of consumer electronics are least likely to be involved in a loyalty program
  • Proprietary loyalty programs
    • Just under a half of major retail chains in the UK have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Three coalition loyalty programs are adhered to by retailers in the UK...
    • ...with all three supporting a co-branded payment card
    • The newly re-launched Avios joins Maximiles and Nectar on the UK coalition scene...
    • ...although all three have experienced erratic profitability in recent years

59.0 UKRAINE

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Ten major retail brands in Ukraine offer a co-branded or private-label payment card...
    • ... with five of these issuing and managing their cards on a purely internal basis...
    • ... albeit five different banks each claim one retailer payment card partnership
    • When viewed in weighted terms, Visa is the most prominent non-private retailer card network
    • Six out of seven fuel distributors have introduced their own payment card
  • Gift cards
    • Seven out of ten retailer categories include retail chains that offer gift cards to their customers
  • Retailer loyalty programs
    • Participation in a loyalty program of one sort or another extends to over two thirds of major retail brands...
    • ... with initiatives most numerous in the supermarket and hypermarket sector
  • Proprietary loyalty programs
    • Proprietary loyalty schemes have been launched by over a half of Ukraine's major retail brands
  • Coalition loyalty programs
    • ... albeit involvement in coalition loyalty programs is more limited

60.0 URUGUAY

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Close to a third of major retail brands promote a co-branded or private-label payment card...
    • ... with most of these organised in association with a single, external card issuer
    • Four external card issuers have established partnerships for retailer payment cards
    • Visa is the network most commonly used for retailer payment card programs in Uruguay
    • Payment card initiatives are restricted to four retailer categories
  • Gift cards
    • Gift cards are only absent from the category of books and media product retailers
  • Retailer loyalty programs
    • All retailer involvement in loyalty schemes stems from proprietary loyalty initiatives...
    • ... with two retailer categories featuring maximum participation rates
  • Proprietary loyalty programs

61.0 USA

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
    • Co-branded and private-label payment cards are widespread among major retail brands in the US...
    • ... and three issuers account for a half of all payment card schemes between them...
    • ... although there are a further 20 external partners active in this field...
    • ... plus a number of captives, which means that its tail is quite fragmented
    • Several retailers continue to issue payment cards themselves with no apparent external or captive partner
    • Comenity Bank, owned by Alliance Data, manages over 30 million payment card and customer accounts
    • WEX Bank is a leading provider of fleet fuel cards in the US
    • Citibank, Comenity Bank, GE Capital and U.S. Bank are the market leaders
    • The retailer payment card market has been characterised by numerous acquisitions in recent years...
    • ... including the acquisition by Capital One of the private-label credit card portfolio of Kohl's...
    • ... and a comparable deal involving TD Bank Group and Target
    • GE Capital also works in this sphere with numerous regional retail brands...
    • ... stating that customers with retailer cards make more regular and higher value purchases
    • Private-label cards continue to dominate, whether viewed in unweighted or weighted terms
    • Retailers operating a mixed distribution model are most likely to promote their own payment card
  • Gift cards
    • The closed-loop prepaid gift card market is worth over USD 300 billion in terms of total loaded value...
    • ...with retailers in the sporting goods sector the most likely to be active in this field
  • Retailer loyalty programs
    • Over two thirds of major retail brands in the US participate in some type of loyalty scheme...
    • ...with retailers in the department store and variety sector the most likely to promote such a program
  • Proprietary loyalty programs
    • Over a half major retail brands in the US operate a proprietary loyalty program
  • Coalition loyalty programs
    • Numerous major retailers are affiliated to Sallie Mae's Upromise program

62.0 VIETNAM

  • Introduction
  • Retailer payment cards
    • Credit, debit and prepaid cards
    • Retailer debit card schemes are more common than retail credit card or prepaid card initiatives
    • Major Vietnamese retailers utilise three main operating models for payment card programs...
    • ... with a total of ten different card issuers involved in this arena among which ANZ is prominent
    • Visa claims the most retailer payment card partnerships by a significant margin
    • Retailer payment card programs are concentrated in four retail categories
    • Gift cards
    • 12 out of the 60 major retail brands researched in Vietnam have introduced a stored-value gift card
  • Retailer loyalty programs
    • Most retailer involvement in loyalty programs takes place through proprietary initiatives...
    • ... with participation extending to over 40% of brands investigated
    • Proprietary loyalty programs
    • Coalition loyalty programs
    • Two loyalty programs in Vietnam can be classified as coalition schemes...
    • ... even though the involvement in them of major retail brands is extremely limited

63.0 APPENDIX

  • Major captives and joint ventures
  • 139 captive or joint venture issuers of retailer payment cards are active worldwide

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Retailers researched worldwide, segmented by category, region and distribution model, 2013 / 2014

2.0 GLOBAL OVERVIEW

  • Provision of retailer payment cards by type of card worldwide, 2013 / 2014
  • Provision of retailer payment cards worldwide by region, 2013 / 2014
  • Retailer payment cards worldwide: provision rate and operating models, 2013 / 2014
  • Retailer payment cards worldwide: operating models by region, 2013 / 2014
  • Retailer payment cards worldwide: operating models by region, 2013 / 2014 (table)
  • Retailer payment cards worldwide: unweighted and weighted issuer share of partnerships, 2013 / 2014
  • Retailer payment cards worldwide: unweighted and weighted network share of partnerships, 2013 / 2014
  • Provision of retailer payment cards worldwide by retailer category and distribution model, 2013 / 2014
  • Provision rates for retailer gift cards by region worldwide, 2013 / 2014
  • Provision of retailer gift cards by retailer category and distribution model worldwide, 2013 / 2014
  • Retailer loyalty programs worldwide: provision rates, program types and links to payment and other cards, 2013 / 2014
  • Provision rates for retailer loyalty programs by region worldwide, 2013 / 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model worldwide, 2013 / 2014
  • Proprietary loyalty programs linked to loyalty cards or payment cards by region worldwide, 2013 / 2014
  • Proprietary loyalty programs linked to loyalty cards or payment cards by region worldwide, 2013 / 2014 (table)
  • Coalition loyalty programs worldwide: unweighted share of retailer brand members, 2013 / 2014

3.0 ARGENTINA

  • Provision of retailer payment cards by type of card in Argentina, 2014
  • Retailer payment cards in Argentina: provision rate and operating models, 2014
  • Retailer payment cards in Argentina: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Argentina: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Argentina, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Argentina, 2014
  • Retailer loyalty programs in Argentina: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Argentina, 2014

4.0 AUSTRALIA

  • Provision of retailer payment cards by type of card in Australia, 2013
  • Retailer payment cards in Australia: provision rate and operating models, 2013
  • Retailer payment cards in Australia: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Australia: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Australia, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Australia, 2013
  • Retailer loyalty programs in Australia: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Australia, 2013
  • Coalition loyalty programs in Australia: unweighted share of retailer brand members, 2013

5.0 AUSTRIA

  • Provision of retailer payment cards by type of card in Austria, 2013
  • Retailer payment cards in Austria: provision rate and operating models, 2013
  • Retailer payment cards in Austria: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Austria: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Austria, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Austria, 2013
  • Retailer loyalty programs in Austria: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Austria, 2013
  • Coalition loyalty programs in Austria: unweighted share of retailer brand members, 2013

6.0 BELGIUM

  • Provision of retailer payment cards by type of card in Belgium, 2013
  • Retailer payment cards in Belgium: provision rate and operating models, 2013
  • Retailer payment cards in Belgium: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Belgium: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Belgium, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Belgium, 2013
  • Retailer loyalty programs in Belgium: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Belgium, 2013
  • Coalition loyalty programs in Belgium: unweighted share of retailer brand members, 2013

7.0 BOSNIA-HERZEGOVINA

  • Provision of retailer payment cards by type of card in Bosnia-Herzegovina, 2013
  • Retailer payment cards in Bosnia-Herzegovina: provision rate and operating models, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Bosnia-Herzegovina, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Bosnia-Herzegovina, 2013
  • Retailer loyalty programs in Bosnia-Herzegovina: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Bosnia-Herzegovina, 2013

8.0 BRAZIL

  • Provision of retailer payment cards by type of card in Brazil, 2013
  • Retailer payment cards in Brazil: provision rate and operating models, 2013
  • Retailer payment cards in Brazil: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Brazil: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Brazil, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Brazil, 2013
  • Retailer loyalty programs in Brazil: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Brazil, 2013
  • Coalition loyalty programs in Brazil: unweighted share of retailer brand members, 2013

9.0 BULGARIA

  • Provision of retailer payment cards by type of card in Bulgaria, 2013
  • Retailer payment cards in Bulgaria: provision rate and operating models, 2013
  • Retailer payment cards in Bulgaria: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Bulgaria: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Bulgaria, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Bulgaria, 2013
  • Retailer loyalty programs in Bulgaria: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Bulgaria, 2013
  • Coalition loyalty programs in Bulgaria: unweighted share of retailer brand members, 2013

10.0 CANADA

  • Provision of retailer payment cards by type of card in Canada, 2014
  • Retailer payment cards in Canada: provision rate and operating models, 2014
  • Retailer payment cards in Canada: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Canada: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Canada, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Canada, 2014
  • Retailer loyalty programs in Canada: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Canada, 2014
  • Coalition loyalty programs in Canada: unweighted share of retailer brand members, 2014

11.0 CHILE

  • Provision of retailer payment cards by type of card in Chile, 2013
  • Retailer payment cards in Chile: provision rate and operating models, 2013
  • Retailer payment cards in Chile: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Chile: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Chile, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Chile, 2013
  • Retailer loyalty programs in Chile: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Chile, 2013
  • Coalition loyalty programs in Chile: unweighted share of retailer brand members, 2013

12.0 CHINA

  • Provision of retailer payment cards by type of card in China, 2014
  • Retailer payment cards in China: provision rate and operating models, 2014
  • Retailer payment cards in China: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in China: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in China, 2014
  • Provision of retailer gift cards by retailer category and distribution model in China, 2014
  • Retailer loyalty programs in China: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in China, 2014
  • Coalition loyalty programs in China: unweighted share of retailer brand members, 2014

13.0 COLOMBIA

  • Provision of retailer payment cards by type of card in Colombia, 2014
  • Retailer payment cards in Colombia: provision rate and operating models, 2014
  • Retailer payment cards in Colombia: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Colombia: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Colombia, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Colombia, 2014
  • Retailer loyalty programs in Colombia: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Colombia, 2014

14.0 COSTA RICA

  • Provision of retailer payment cards by type of card in Costa Rica, 2014
  • Retailer payment cards in Costa Rica: provision rate and operating models, 2014
  • Retailer payment cards in Costa Rica: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Costa Rica: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Costa Rica, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Costa Rica, 2014
  • Retailer loyalty programs in Costa Rica: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Costa Rica, 2014

15.0 CROATIA

  • Provision of retailer payment cards by type of card in Croatia, 2013
  • Retailer payment cards in Croatia: provision rate and operating models, 2013
  • Retailer payment cards in Croatia: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Croatia: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Croatia, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Croatia, 2013
  • Retailer loyalty programs in Croatia: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Croatia, 2013
  • Coalition loyalty programs in Croatia: unweighted share of retailer brand members, 2013

16.0 CZECH REPUBLIC

  • Provision of retailer payment cards by type of card in the Czech Republic, 2013
  • Retailer payment cards in the Czech Republic: provision rate and operating models, 2013
  • Retailer payment cards in the Czech Republic: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in the Czech Republic: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in the Czech Republic, 2013
  • Provision of retailer gift cards by retailer category and distribution model in the Czech Republic, 2013
  • Retailer loyalty programs in the Czech Republic: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in the Czech Republic, 2013
  • Coalition loyalty programs in the Czech Republic: unweighted share of retailer brand members, 2013

17.0 DENMARK

  • Provision of retailer payment cards by type of card in Denmark, 2013
  • Retailer payment cards in Denmark: provision rate and operating models, 2013
  • Retailer payment cards in Denmark: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Denmark: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Denmark, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Denmark, 2013
  • Retailer loyalty programs in Denmark: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Denmark, 2013

18.0 ECUADOR

  • Provision of retailer payment cards by type of card in Ecuador, 2014
  • Retailer payment cards in Ecuador: provision rate and operating models, 2014
  • Retailer payment cards in Ecuador: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Ecuador: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Ecuador, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Ecuador, 2014
  • Retailer loyalty programs in Ecuador: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Ecuador, 2014
  • Coalition loyalty programs in Ecuador: unweighted share of retailer brand members, 2014

19.0 ESTONIA

  • Provision of retailer payment cards by type of card in Estonia, 2013
  • Retailer payment cards in Estonia: provision rate and operating models, 2013
  • Retailer payment cards in Estonia: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Estonia: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Estonia, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Estonia, 2013
  • Retailer loyalty programs in Estonia: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Estonia, 2013
  • Coalition loyalty programs in Estonia: unweighted share of retailer brand members, 2013

20.0 FINLAND

  • Provision of retailer payment cards by type of card in Finland, 2013
  • Retailer payment cards in Finland: provision rate and operating models, 2013
  • Retailer payment cards in Finland: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Finland: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Finland, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Finland, 2013
  • Retailer loyalty programs in Finland: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Finland, 2013
  • Coalition loyalty programs in Finland: unweighted share of retailer brand members, 2013

21.0 FRANCE

  • Provision of retailer payment cards by type of card in France, 2013
  • Retailer payment cards in France: provision rate and operating models, 2013
  • Retailer payment cards in France: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in France: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in France, 2013
  • Provision of retailer gift cards by retailer category and distribution model in France, 2013
  • Retailer loyalty programs in France: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in France, 2013
  • Coalition loyalty programs in France: unweighted share of retailer brand members, 2013

22.0 GEORGIA

  • Provision of retailer payment cards by type of card in Georgia, 2013
  • Retailer payment cards in Georgia: provision rate and operating models, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Georgia, 2013
  • Retailer loyalty programs in Georgia: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Georgia, 2013
  • Coalition loyalty programs in Georgia: unweighted share of retailer brand members, 2013

23.0 GERMANY

  • Provision of retailer payment cards by type of card in Germany, 2013
  • Retailer payment cards in Germany: provision rate and operating models, 2013
  • Retailer payment cards in Germany: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Germany: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Germany, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Germany, 2013
  • Retailer loyalty programs in Germany: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Germany, 2013
  • Coalition loyalty programs in Germany: unweighted share of retailer brand members, 2013

24.0 GREECE

  • Provision of retailer payment cards by type of card in Greece, 2013
  • Retailer payment cards in Greece: provision rate and operating models, 2013
  • Retailer payment cards in Greece: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Greece: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Greece, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Greece, 2013
  • Retailer loyalty programs in Greece: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Greece, 2013
  • Coalition loyalty programs in Greece: unweighted share of retailer brand members, 2013

25.0 HONG KONG

  • Provision of retailer payment cards by type of card in Hong Kong, 2014
  • Retailer payment cards in Hong Kong: provision rate and operating models, 2014
  • Retailer payment cards in Hong Kong: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Hong Kong: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Hong Kong, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Hong Kong, 2014
  • Retailer loyalty programs in Hong Kong: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Hong Kong, 2014
  • Coalition loyalty programs in Hong Kong: unweighted share of retailer brand members, 2014

26.0 HUNGARY

  • Provision of retailer payment cards by type of card in Hungary, 2013
  • Retailer payment cards in Hungary: provision rate and operating models, 2013
  • Retailer payment cards in Hungary: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Hungary: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Hungary, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Hungary, 2013
  • Retailer loyalty programs in Hungary: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Hungary, 2013
  • Coalition loyalty programs in Hungary: unweighted share of retailer brand members, 2013

27.0 INDIA

  • Provision of retailer payment cards by type of card in India, 2014
  • Retailer payment cards in India: provision rate and operating models, 2014
  • Retailer payment cards in India: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in India: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in India, 2014
  • Provision of retailer gift cards by retailer category and distribution model in India, 2014
  • Retailer loyalty programs in India: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in India, 2014
  • Coalition loyalty programs in India: unweighted share of retailer brand members, 2014

28.0 INDONESIA

  • Provision of retailer payment cards by type of card in Indonesia, 2014
  • Retailer payment cards in Indonesia: provision rate and operating models, 2014
  • Retailer payment cards in Indonesia: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Indonesia: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Indonesia, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Indonesia, 2014
  • Retailer loyalty programs in Indonesia: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Indonesia, 2014

29.0 IRELAND

  • Provision of retailer payment cards by type of card in Ireland, 2013
  • Retailer payment cards in Ireland: provision rate and operating models, 2013
  • Retailer payment cards in Ireland: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Ireland: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Ireland, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Ireland, 2013
  • Retailer loyalty programs in Ireland: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Ireland, 2013

30.0 ITALY

  • Provision of retailer payment cards by type of card in Italy, 2013
  • Retailer payment cards in Italy: provision rate and operating models, 2013
  • Retailer payment cards in Italy: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Italy: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Italy, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Italy, 2013
  • Retailer loyalty programs in Italy: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Italy, 2013
  • Coalition loyalty programs in Italy: unweighted share of retailer brand members, 2013

31.0 JAPAN

  • Provision of retailer payment cards by type of card in Japan, 2014
  • Retailer payment cards in Japan: provision rate and operating models, 2014
  • Retailer payment cards in Japan: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Japan: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Japan, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Japan, 2014
  • Retailer loyalty programs in Japan: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Japan, 2014
  • Coalition loyalty programs in Japan: unweighted share of retailer brand members, 2014

32.0 LATVIA

  • Provision of retailer payment cards by type of card in Latvia, 2013
  • Retailer payment cards in Latvia: provision rate and operating models, 2013
  • Retailer payment cards in Latvia: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Latvia, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Latvia, 2013
  • Retailer loyalty programs in Latvia: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Latvia, 2013

33.0 LITHUANIA

  • Provision of retailer payment cards by type of card in Lithuania, 2013
  • Retailer payment cards in Lithuania: provision rate and operating models, 2013
  • Retailer payment cards in Lithuania: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Lithuania: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Lithuania, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Lithuania, 2013
  • Retailer loyalty programs in Lithuania: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Lithuania, 2013
  • Coalition loyalty programs in Lithuania: unweighted share of retailer brand members, 2013

34.0 MALAYSIA

  • Provision of retailer payment cards by type of card in Malaysia, 2014
  • Retailer payment cards in Malaysia: provision rate and operating models, 2014
  • Retailer payment cards in Malaysia: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Malaysia: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Malaysia, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Malaysia, 2014
  • Retailer loyalty programs in Malaysia: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Malaysia, 2014
  • Coalition loyalty programs in Malaysia: unweighted share of retailer brand members, 2014

35.0 MEXICO

  • Provision of retailer payment cards by type of card in Mexico, 2013
  • Retailer payment cards in Mexico: provision rate and operating models, 2013
  • Retailer payment cards in Mexico: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Mexico: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Mexico, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Mexico, 2013
  • Retailer loyalty programs in Mexico: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Mexico, 2013

36.0 NETHERLANDS

  • Provision of retailer payment cards by type of card in the Netherlands, 2013
  • Retailer payment cards in the Netherlands: provision rate and operating models, 2013
  • Retailer payment cards in the Netherlands: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in the Netherlands: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in the Netherlands, 2013
  • Provision of retailer gift cards by retailer category and distribution model in the Netherlands, 2013
  • Retailer loyalty programs in the Netherlands: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in the Netherlands, 2013
  • Coalition loyalty programs in the Netherlands: unweighted share of retailer brand members, 2013

37.0 NEW ZEALAND

  • Provision of retailer payment cards by type of card in New Zealand, 2014
  • Retailer payment cards in New Zealand: provision rate and operating models, 2014
  • Retailer payment cards in New Zealand: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in New Zealand: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in New Zealand, 2014
  • Provision of retailer gift cards by retailer category and distribution model in New Zealand, 2014
  • Retailer loyalty programs in New Zealand: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in New Zealand, 2014
  • Coalition loyalty programs in New Zealand: unweighted share of retailer brand members, 2014

38.0 NORWAY

  • Provision of retailer payment cards by type of card in Norway, 2013
  • Retailer payment cards in Norway: provision rate and operating models, 2013
  • Retailer payment cards in Norway: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Norway: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Norway, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Norway, 2013
  • Retailer loyalty programs in Norway: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Norway, 2013
  • 39.0 PARAGUAY
  • Provision of retailer payment cards by type of card in Paraguay, 2014
  • Retailer payment cards in Paraguay: provision rate and operating models, 2014
  • Retailer payment cards in Paraguay: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Paraguay: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Paraguay, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Paraguay, 2014
  • Retailer loyalty programs in Paraguay: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Paraguay, 2014

40.0 PERU

  • Provision of retailer payment cards by type of card in Peru, 2014
  • Retailer payment cards in Peru: provision rate and operating models, 2014
  • Retailer payment cards in Peru: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Peru: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Peru, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Peru, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Peru, 2014
  • Coalition loyalty programs in Peru: unweighted share of retailer brand members, 2014

41.0 PHILIPPINES

  • Provision of retailer payment cards by type of card in the Philippines, 2014
  • Retailer payment cards in the Philippines: provision rate and operating models, 2014
  • Retailer payment cards in the Philippines: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in the Philippines: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in the Philippines, 2014
  • Provision of retailer gift cards by retailer category and distribution model in the Philippines, 2014
  • Retailer loyalty programs in the Philippines: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in the Philippines, 2014
  • Coalition loyalty programs in the Philippines: unweighted share of retailer brand members, 2014

42.0 POLAND

  • Provision of retailer payment cards by type of card in Poland, 2013
  • Retailer payment cards in Poland: provision rate and operating models, 2013
  • Retailer payment cards in Poland: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Poland: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Poland, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Poland, 2013
  • Retailer loyalty programs in Poland: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Poland, 2013
  • Coalition loyalty programs in Poland: unweighted share of retailer brand members, 2013

43.0 PORTUGAL

  • Provision of retailer payment cards by type of card in Portugal, 2013
  • Retailer payment cards in Portugal: provision rate and operating models, 2013
  • Retailer payment cards in Portugal: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Portugal: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Portugal, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Portugal, 2013
  • Retailer loyalty programs in Portugal: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Portugal, 2013

44.0 ROMANIA

  • Provision of retailer payment cards by type of card in Romania, 2013
  • Retailer payment cards in Romania: provision rate and operating models, 2013
  • Retailer payment cards in Romania: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Romania: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Romania, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Romania, 2013
  • Retailer loyalty programs in Romania: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Romania, 2013
  • Coalition loyalty programs in Romania: unweighted share of retailer brand members, 2013

45.0 RUSSIA

  • Provision of retailer payment cards by type of card in Russia, 2013
  • Retailer payment cards in Russia: provision rate and operating models, 2013
  • Retailer payment cards in Russia: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Russia: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Russia, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Russia, 2013
  • Retailer loyalty programs in Russia: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Russia, 2013
  • Coalition loyalty programs in Russia: unweighted share of retailer brand members, 2013

46.0 SERBIA

  • Provision of retailer payment cards by type of card in Serbia, 2013
  • Retailer payment cards in Serbia: provision rate and operating models, 2013
  • Retailer payment cards in Serbia: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Serbia: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Serbia, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Serbia, 2013
  • Retailer loyalty programs in Serbia: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Serbia, 2013
  • Coalition loyalty programs in Serbia: unweighted share of retailer brand members, 2013

47.0 SINGAPORE

  • Retailer payment cards in Singapore: provision rate and operating models, 2014
  • Retailer payment cards in Singapore: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Singapore: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Singapore, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Singapore, 2014
  • Retailer loyalty programs in Singapore: provision rates, program types and links to payment and other cards, 2014
  • Provision of retailer payment cards by type of card in Singapore, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Singapore, 2014
  • Coalition loyalty programs in Singapore: unweighted share of retailer brand members, 2014

48.0 SLOVAKIA

  • Provision of retailer payment cards by type of card in Slovakia, 2013
  • Retailer payment cards in Slovakia: provision rate and operating models, 2013
  • Retailer payment cards in Slovakia: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Slovakia: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Slovakia, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Slovakia, 2013
  • Retailer loyalty programs in Slovakia: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Slovakia, 2013

49.0 SLOVENIA

  • Provision of retailer payment cards by type of card in Slovenia, 2013
  • Retailer payment cards in Slovenia: provision rate and operating models, 2013
  • Retailer payment cards in Slovenia: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Slovenia, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Slovenia, 2013
  • Retailer loyalty programs in Slovenia: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Slovenia, 2013

50.0 SOUTH AFRICA

  • Provision of retailer payment cards by type of card in South Africa, 2013
  • Retailer payment cards in South Africa: provision rate and operating models, 2013
  • Retailer payment cards in South Africa: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in South Africa: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in South Africa, 2013
  • Provision of retailer gift cards by retailer category and distribution model in South Africa, 2013
  • Retailer loyalty programs in South Africa: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in South Africa, 2013
  • Coalition loyalty programs in South Africa: unweighted share of retailer brand members, 2013

51.0 SOUTH KOREA

  • Provision of retailer card by type of card in South Korea, 2014
  • Retailer payment cards in South Korea: provision rate and operating models, 2014
  • Retailer payment cards in South Korea: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in South Korea: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in South Korea, 2014
  • Provision of retailer gift cards by retailer category and distribution model in South Korea, 2014
  • Retailer loyalty programs in South Korea: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in South Korea, 2014
  • Coalition loyalty programs in the South Korea: unweighted share of retailer brand members, 2014

52.0 SPAIN

  • Provision of retailer payment cards by type of card in Spain, 2013
  • Retailer payment cards in Spain: provision rate and operating models, 2013
  • Retailer payment cards in Spain: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Spain: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Spain, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Spain, 2013
  • Retailer loyalty programs in Spain: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Spain, Coalition loyalty programs in Spain: unweighted share of retailer brand members, 2013

53.0 SWEDEN

  • Provision of retailer payment cards by type of card in Sweden, 2013
  • Retailer payment cards in Sweden: provision rate and operating models, 2013
  • Retailer payment cards in Sweden: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Sweden: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Sweden, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Sweden, 2013
  • Retailer loyalty programs in Sweden: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Sweden, 2013
  • Coalition loyalty programs in Sweden: unweighted share of retailer brand members, 2013

54.0 SWITZERLAND

  • Provision of retailer payment cards by type of card in Switzerland, 2013
  • Retailer payment cards in Switzerland: provision rate and operating models, 2013
  • Retailer payment cards in Switzerland: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Switzerland: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Switzerland, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Switzerland, 2013
  • Retailer loyalty programs in Switzerland: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Switzerland, 2013
  • Coalition loyalty programs in Switzerland: unweighted share of retailer brand members, 2013

55.0 TAIWAN

  • Provision of retailer payment cards by type of card in Taiwan, 2014
  • Retailer payment cards in Taiwan: provision rate and operating models, 2014
  • Retailer payment cards in Taiwan: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Taiwan: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Taiwan, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Taiwan, 2014
  • Retailer loyalty programs in Taiwan: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Taiwan, 2014

56.0 THAILAND

  • Provision of retailer payment cards by type of card in Thailand, 2014
  • Retailer payment cards in Thailand: provision rate and operating models, 2014
  • Retailer payment cards in Thailand: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Thailand: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Thailand, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Thailand, 2014
  • Retailer loyalty programs in Thailand: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Thailand, 2014

57.0 TURKEY

  • Provision of retailer payment cards by type of card in Turkey, 2013
  • Retailer payment cards in Turkey: provision rate and operating models, 2013
  • Retailer payment cards in Turkey: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Turkey: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Turkey, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Turkey, 2013
  • Retailer loyalty programs in Turkey: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Turkey, 2013
  • Coalition loyalty programs in Turkey: unweighted share of retailer brand members, 2013

58.0 UK

  • Provision of retailer payment cards by type of card in the UK, 2013
  • Retailer payment cards in the UK: provision rate and operating models, 2013
  • Retailer payment cards in the UK: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in the UK: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in the UK, 2013
  • Provision of retailer gift cards by retailer category and distribution model in the UK, 2013
  • Retailer loyalty programs in the UK: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in the UK, 2013
  • Coalition loyalty programs in the UK: unweighted share of retailer brand members, 2013

59.0 UKRAINE

  • Provision of retailer payment cards by type of card in Ukraine, 2013
  • Retailer payment cards in Ukraine: provision rate and operating models, 2013
  • Retailer payment cards in Ukraine: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in Ukraine: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in Ukraine, 2013
  • Provision of retailer gift cards by retailer category and distribution model in Ukraine, 2013
  • Retailer loyalty programs in Ukraine: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Ukraine, 2013
  • Coalition loyalty programs in Ukraine: unweighted share of retailer brand members, 2013

60.0 URUGUAY

  • Provision of retailer payment cards by type of card in Uruguay, 2014
  • Retailer payment cards in Uruguay: provision rate and operating models, 2014
  • Retailer payment cards in Uruguay: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Uruguay: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Uruguay, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Uruguay, 2014
  • Retailer loyalty programs in Uruguay: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Uruguay, 2014

61.0 USA

  • Provision of retailer payment cards by type of card in the US, 2013
  • Retailer payment cards in the US: provision rate and operating models, 2013
  • Retailer payment cards in the US: unweighted and weighted issuer share of partnerships, 2013
  • Retailer payment cards in the US: unweighted and weighted network share of partnerships, 2013
  • Provision of retailer payment cards by retailer category and distribution model in the US, 2013
  • Provision of retailer gift cards by retailer category and distribution model in the US, 2013
  • Retailer loyalty programs in the US: provision rates, program types and links to payment and other cards, 2013
  • Provision of or involvement in loyalty programs by retailer category and distribution model in the US, 2013

62.0 VIETNAM

  • Provision of retailer payment cards by type of card in Vietnam, 2014
  • Retailer payment cards in Vietnam: provision rate and operating models, 2014
  • Retailer payment cards in Vietnam: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in Vietnam: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in Vietnam, 2014
  • Provision of retailer gift cards by retailer category and distribution model in Vietnam, 2014
  • Retailer loyalty programs in Vietnam: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in Vietnam, 2014
  • Coalition loyalty programs in Vietnam: unweighted share of retailer brand members, 2014

63.0 APPENDIX

  • Retailer captives and joint ventures for payment cards worldwide: countries active, operating models and ownership, 2013 / 2014
  • Retailer captives and joint ventures for payment cards worldwide: countries active, operating models and ownership, 2013 / 2014 (continued)
  • Retailer captives and joint ventures for payment cards worldwide: countries active, operating models and ownership, 2013 / 2014 (continued)
  • Retailer captives and joint ventures for payment cards worldwide: countries active, operating models and ownership, 2013 / 2014 (continued)
  • Retailer captives and joint ventures for payment cards worldwide: countries active, operating models and ownership, 2013 / 2014 (continued)
  • Retailer captives and joint ventures for payment cards worldwide: countries active, operating models and ownership, 2013 / 2014 (continued)
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