2011年歐洲卡片市場 是由出版商Mercator Advisory Group, Inc.在2011年07月所出版的。
這份英文市場調查報告書包含28 Pages 價格從美金2950起跳。
歐盟(EU)雖於2008年展開單一歐元支付區(SEPA)構想，但未獲得期望之成果。SEPA對歐洲支付產業之動向遲鈍，並未能認清以新支付平台替換其傳統服務之優點。因此EU強力推動轉換至SCT匯款服務及自動扣繳服務SDD之政策。此外，SEPA卡片平台(SCF)也被指出，新的支付方式無法因應市場需求之問題。
本報告為，以SEPA之構思分析歐洲卡片市場，並匯整轉移至SCT及SDD之情形、針對MIF之議論現況、新的卡片模式趨勢、歐洲卡片最新趨勢等，以下列摘要形式闡述。
實施概要
簡介
SEPA之現況（2011年5月）
- 移轉至SEPA Credit Transfer(SCT)及Direct Debit(SDD)之遲緩
- SEPA Card Framework(SCF)相關進展有限
- 新付款方式之出現及eSEPA
歐洲卡片市場趨勢
圖表
Abstract
Boston, MA --The European migration from existing payment services
(following the first Single Euro Payment Area (SEPA) Credit Transfer (SCT)
three years ago) has not met regulator expectations. Despite the far-reaching
impacts of SEPA and increasing regulatory pressure, the European payments
industry has been slow to take action. Meanwhile, stakeholders remain unaware
(or unconvinced) of the benefits of replacing their current services with the
new payment platforms. This environment has prompted regulators to begin
enforcing legal deadlines for the completion of the migration to SCT and SEPA
Direct Debit (SDD).
The situation is similar for payment cards. Uncertainty remains around
multilateral interchange fees (MIF) as well as emerging European card schemes.
Regulators have not yet issued MIF guidelines for the various card schemes,
despite the EC' s separate agreements with Visa Europe and MasterCard. In
addition, there are concerns that the SEPA Card Framework (SCF) might not be
addressing market need for emerging payments.
“The European payments market is in a challenging situation,”
Terry Xie, Director of Mercator Advisory Group' s International Advisory
Service and principal analyst on the report, commented. “The market
continues to evolve even with the uncertainty surrounding SEPA. But it is
apparent that the current state is not ideal for the industry to commit to new
payment services or to make the investments needed to create an integrated
European market. Although regulators want to force the process forward, their
lack of clarity on key issues holds progress back. Ambitious players would be
wise to continue carrying out their strategic plans rather than adopting a
just ' wait and see' mindset.”
Mercator' s latest report, “European Card Market 2011 Update”, overviews the
European Card Market in the context of the SEPA initiative. The first half of
the report discusses Europe' s migration to SEPA Credit Transfers and Direct
Debits, the status of the MIF dispute, and the progresses (or lack thereof) of
emerging European card schemes in obtaining issuers, merchants, and consumers.
The report' s second half surveys the current European payment card market,
including the activity of major card networks, processors, issuers and
acquirers over the past years as SEPA has slowly moved forward. The report
also reviews SEPA' s impact on emerging payment trends in the European market
including alternative, online, and mobile payments, among others.
Highlights of the research findings include:
- State of the Single Euro Payment Area migration process, and the factors
influencing the banking industry' s promotion of the new services.
- Reasons regulators are determined to force change.
- Industry dynamics obstructing progress towards implementation in the card
market.
- Areas of the payment industry that are witnessing progress and the reasons
why.
- Market segments building their capability to recap market opportunities
once SEPA becomes a reality.
One of the eight exhibits included in this report:
This report contains 28 pages and eight exhibits.
About Mercator Advisory Group
Mercator Advisory Group is the leading, independent research and
advisory services firm exclusively focused on the payments and banking
industries. We deliver pragmatic and timely research and advice designed to
help our clients uncover the most lucrative opportunities to maximize revenue
growth and contain costs. Our clients range from the world' s largest payment
issuers, acquirers, processors, merchants and associations to leading
technology providers and investors.
Table of Contents
Executive Summary
Introduction
Current Status of SEPA (May 2011)
- Slow Migration toward SEPA Credit Transfer and Direct Debit
- Little Progresses in SEPA Card Framework (SCF)
- Payments Innovations and eSEPA
Developments in the European Card Market
- The Overall Market
- Card Schemes (Networks)
- i. Issuers
- ii. Acquirers
- iii. Issuer and Acquiring Processors
- Copyright Notice
Table of Figures/Tables
- Figure 1: SCT and SDD as Percentage of All Credit Transfer and Direct
Debit Transactions
- Figure 2: SCT as a Percentage of All CT Transactions by Country, Mid-2010
- Figure 3: European Card Market (Euro Area only), 2006-2009
- Figure 3: Growth in POS Transactions in the Euro Area (Credit versus Debit)
- Figure 4: EAPS' s Share in the Euro Area Card Market
- Figure 5: Performance of Top European Card Issuers
- Figure 6: Performance of Top European Acquirers
- Table 1: Intra Visa Europe EEA Consumer Cards Interchange Fees
- Table 2: Visa Europe and MasterCard' s Growth in Europe, 2007-2009
