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市場調查報告書

越南的卡片與付款產業:新的市場機會、趨勢、規模、推動因素、策略,商品,競爭環境

Vietnam's Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

出版商 Timetric 商品編碼 306168
出版日期 內容資訊 英文 87 Pages
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越南的卡片與付款產業:新的市場機會、趨勢、規模、推動因素、策略,商品,競爭環境 Vietnam's Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
出版日期: 2014年06月23日 內容資訊: 英文 87 Pages
簡介

由於越南的經濟發展和僱用擴大,家計所得提高等,使以往未利用過銀行的人們能夠使用金融服務。多數人、企業與金融業的主流合流,知道電子付款服務的優點,而減少了現金付款額。資金付款通道整體中,現金付款的佔有率從2009年的3.4%降低到2013年的2.7%,另一方面卡片付款從1.5%倍增到3.1%。卡片付款市場市場規模,從2009年的2170萬張、3648兆越南盾(214億美元),擴大到2013年的6780萬張、1320兆越南盾(628億美元)。並且預計2018年達到2580兆越南盾(1065億美元)。另一方面,信用卡、預付卡的發行張數,總合也是7.3%,低於轉帳卡的現狀。可是,中產階級家庭的增加,及獲取信貸的需求擴大,消費支出行動的變化,易於信用卡核準的要素,為需求擴大搧風點火。還有共同品牌卡漸漸在越南獲得歡迎。

本報告提供越南的各種卡片與付款方式的產業趨勢相關分析、整體產業結構和推動因素、各種犯罪及法規趨勢、各流通管道的市場趨勢(交易數量、金額等、過去、今後5年份),再加上主要企業簡介等資訊。

第1章 摘要整理

第2章 產業環境、主要趨勢、推動因素分析

  • 付款基礎設施和新技術
    • 網際網路普及率的上升
    • ATM
    • POS終端
    • 附安全強化功能的卡片
  • 產業推動因素
    • 零售部門的成長
    • 電子商務的成長
  • 經濟推動因素
    • GDP成長率
    • 每人GDP
    • 通貨膨脹率

第3章 卡片與付款產業的佔有率分析

  • 卡片與付款產業概要
    • 轉帳
    • 卡交易
    • 現金交易
    • 帳款扣除
    • 支票付款

第4章 管理體制和卡片詐騙的統計

  • 管理體制
    • 概要
    • 洗錢法規(AML)及恐怖主義者資金對策(CTF)
    • 對海外直接投資(FDI)的法規
  • 卡片詐騙相關統計
    • 卡片偽造
    • 未出示卡片(CNP)
    • 卡片ID盜竊
    • 卡片遺失、盜竊

第5章 消費者的新想法與趨勢

  • 市場明細和目標
    • 零售部門
    • 企業部門
  • 觀光旅遊支出額
    • 出境旅客數
    • 出境旅客的支出額
  • 零售卡片支出額
    • 各產品種類的分析
    • 各零售流通管道分析

第6章 卡片付款途徑分析與成長預測

  • 通路佔有率分析:卡片的各類別
  • 卡片付款管道的市場規模與其預測
    • 卡片的流通張數分析
    • 交易額分析

第7章 信用卡付款分析與成長預測

  • 整體市場規模與其預測
    • 卡片的流通張數分析
    • 交易數量分析
    • 交易額分析
  • 交易額佔有率分析:各流通管道
  • 個人信用卡的市場規模與其預測
  • 商用信用卡的市場規模與其預測
  • 競爭環境
    • 各方案市場佔有率
    • 各發行企業市場佔有率

第8章 轉帳卡付款分析與成長預測

  • 整體市場規模與其預測
  • 交易額佔有率分析:各流通管道
  • 競爭環境(各方案、各發行企業市場佔有率)

第9章 預付卡付款分析與成長預測

  • 整體市場規模與其預測
    • 卡片的流通張數分析
    • 交易額分析
  • 開放迴路型卡片的市場規模與其預測
  • 封閉迴路型卡片的市場規模與其預測

第10章 加盟店的獲得

第11章 卡片發行企業簡介

  • Agribank
    • 主要的財務指標
    • 卡片商品結構
    • 策略
  • Vietcombank
  • Asia Commercial Joint-Stock Bank (ACB)
  • Sacombank
  • VietinBank

第12章 附錄

圖表一覽

目錄
Product Code: VR0999MR

The report provides top-level market analysis, information and insights into Vietnam's cards and payments industry, including:

  • Current and forecast values for each category of Vietnam's cards and payments industry, including debit cards, credit cards and prepaid cards
  • Comprehensive analysis of the industry's market attractiveness and future growth areas
  • Analysis of various market drivers and regulations governing Vietnam's cards and payments industry
  • Detailed analysis of the marketing strategies adopted for selling debit, credit and prepaid cards used by banks and other institutions in the market
  • Comprehensive analysis of consumer attitudes and buying preferences for cards
  • The competitive landscape of Vietnam's cards and payments industry

Summary

Vietnam's economic growth has enhanced job creation and household income, and propelled a greater number of previously unbanked people into the realm of financial services. Vietnam's GDP per capita subsequently rose during the review period from US$1,097.1 in 2009 to US$1,728.4 in 2013. Even though Vietnam remains a highly untapped financial services market, economic growth is enhancing the number of people gaining access to bank accounts. Consequently, as more people and businesses are brought into the financial mainstream and are becoming aware of the benefits of electronic transactions, the use of cash as a payment method is decreasing. In terms of the overall card payments channel, the share of cash transactions decreased from 3.4% in 2009 to 2.7% in 2013, while the share of card transactions doubled to increase from 1.5% in 2009 to 3.1% in 2013.

The Vietnamese card payments channel grew in value and volume terms during the review period. In terms of the number of cards in circulation, the channel grew from 21.7 million in 2009 to 67.8 million in 2013, at a compound annual growth rate (CAGR) of 32.95% and is anticipated to further post a forecast-period CAGR of 9.89%. In terms of transaction value, the card payments channel grew from VND364.8 trillion (US$21.4 billion) in 2009 to VND1.32 quadrillion (US$62.8 billion) in 2013, at a review-period CAGR of 37.91%, it is anticipated to post a forecast-period CAGR of 12.30%, to reach VND2.58 quadrillion (US$106.5 billion) in 2018.

In terms of the number of cards in circulation, the credit and prepaid card categories collectively accounted for a channel share of 7.3% in 2013, reflecting lower penetration rates than the debit cards category. However, a growth in the number of middle-class families, the greater need for access to credit, changes in consumer spending habits and the comfortable approval of credit cards fueled demand. Banks are issuing customized credit cards targeted at diverse customer segments such as the young population, high-income customers, females and travelers. Co-branded credit cards are slowly gaining popularity in Vietnam. In 2013, most banks issued co-branded credit cards in association with retailers, airline companies, educational institutions and football clubs. Vietcombank, for example, offers the Vietnam Airlines American Express Platinum Card in association with Vietnam Airlines.

Scope

  • This report provides a comprehensive analysis of Vietnam's cards and payments industry.
  • It provides current values for Vietnam's cards and payments industry for 2013, and forecast figures for 2018.
  • It details the different economic, infrastructural and business drivers affecting Vietnam's cards and payments industry.
  • It outlines the current regulatory framework in the industry.
  • It details the marketing strategies used by various banks and other institutions.
  • It profiles the major banks in Vietnam's cards and payments industry.

Reasons To Buy

  • Make strategic business decisions using top-level historic and forecast market data related to Vietnam's cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities within Vietnam's cards and payments industry.
  • Assess the competitive dynamics in Vietnam's cards and payments industry.
  • Gain insights in to the marketing strategies used for selling various card types in Vietnam.
  • Gain insights into key regulations governing Vietnam's cards and payments industry.

Table of Contents

1. Executive Summary

2. Analysis of Market Environment, Key Trends and Drivers

  • 2.1. Payment Infrastructure and Emerging Technology
    • 2.1.1. Rising internet penetration
    • 2.1.2. ATMs
    • 2.1.3. POS terminals
    • 2.1.4. Cards with enhanced security measures
  • 2.2. Business Drivers
    • 2.2.1. Growth in the retail sector
    • 2.2.2. Growth in e-commerce
  • 2.3. Economic Drivers
    • 2.3.1. GDP growth
    • 2.3.2. GDP per capita
    • 2.3.3. Inflation

3. Cards and Payments Industry Share Analysis

  • 3.1. Industry Overview
    • 3.1.1. Credit transfer
    • 3.1.2. Card transactions
    • 3.1.3. Cash transactions
    • 3.1.4. Direct debit
    • 3.1.5. Check payments

4. Regulatory Framework and Card Fraud Statistics

  • 4.1. Regulatory Framework
    • 4.1.1. Overview
    • 4.1.2. Anti money laundering (AML) and counter terrorist financing (CTF)
    • 4.1.3. FDI regulations
  • 4.2. Card Fraud Statistics
    • 4.2.1. Counterfeit card fraud
    • 4.2.2. Card-not-present fraud
    • 4.2.3. Card ID theft fraud
    • 4.2.4. Lost or stolen card fraud

5. Emerging Consumer Attitudes and Trends

  • 5.1. Industry Segmentation and Targeting
    • 5.1.1. Retail segment
    • 5.1.2. Corporate segment
  • 5.2. Travel and Tourism Spending
    • 5.2.1. Outbound tourist trips
    • 5.2.2. Outbound tourist spending
  • 5.3. Retail Card Spending
    • 5.3.1. Analysis by product categories
    • 5.3.2. Analysis by retail channel

6. Analysis of Card Payments and Growth Prospects

  • 6.1. Channel Share Analysis by Card Category
  • 6.2. Size and Forecast of the Card Payments Channel
    • 6.2.1. Analysis by number of cards in circulation
    • 6.2.2. Analysis by transaction value

7. Analysis of Credit Card Payments and Growth Prospects

  • 7.1. Overall Category Size and Forecast
    • 7.1.1. Analysis by number of cards in circulation
    • 7.1.2. Analysis by transaction value
    • 7.1.3. Analysis by transaction volume
  • 7.2. Transaction Share Analysis by Channel
    • 7.2.1. Analysis by transaction value
    • 7.2.2. Analysis by transaction volume
  • 7.3. Personal Credit Cards Segment Size and Forecast
    • 7.3.1. Analysis by number of cards in circulation
    • 7.3.2. Analysis by transaction value
    • 7.3.3. Analysis by transaction volume
  • 7.4. Commercial Credit Cards Segment Size and Forecast
    • 7.4.1. Analysis by number of cards in circulation
    • 7.4.2. Analysis by transaction value
    • 7.4.3. Analysis by transaction volume
  • 7.5. Competitive Landscape
    • 7.5.1. Scheme share analysis
    • 7.5.2. Issuer share analysis

8. Analysis of Debit Card Payments and Growth Prospects

  • 8.1. Overall Category Size and Forecast
    • 8.1.1. Analysis by number of cards in circulation
    • 8.1.2. Analysis by transaction value
    • 8.1.3. Analysis by transaction volume
  • 8.2. Transaction Share Analysis by Channel
    • 8.2.1. Analysis by transaction value
    • 8.2.2. Analysis by transaction volume
  • 8.3. Competitive Landscape
    • 8.3.1. Scheme share analysis
    • 8.3.2. Issuer share analysis

9. Analysis of Prepaid Card Payments and Growth Prospects

  • 9.1. Overall Category Size and Forecast
    • 9.1.1. Analysis by number of cards in circulation
    • 9.1.2. Analysis by transaction value
  • 9.2. Open-Loop Prepaid Cards Segment Size and Forecast
    • 9.2.1. Analysis by number of cards in circulation
    • 9.2.2. Analysis by transaction value
  • 9.3. Closed-Loop Prepaid Cards Segment Size and Forecast
    • 9.3.1. Analysis by number of cards in circulation
    • 9.3.2. Analysis by transaction value

10. Merchant Acquiring

11. Company Profiles of Card Issuers

  • 11.1. Agribank
    • 11.1.1. Key financials
    • 11.1.2. Card portfolio
    • 11.1.3. Strategies
  • 11.2. Vietcombank
    • 11.2.1. Key financials
    • 11.2.2. Card portfolio
    • 11.2.3. Strategies
  • 11.3. Asia Commercial Joint-Stock Bank (ACB)
    • 11.3.1. Key financials
    • 11.3.2. Card portfolio
    • 11.3.3. Strategies
  • 11.4. Sacombank
    • 11.4.1. Key financials
    • 11.4.2. Card portfolio
    • 11.4.3. Strategies
  • 11.5. VietinBank
    • 11.5.1. Key financials
    • 11.5.2. Card portfolio
    • 11.5.3. Strategies

12. Appendix

  • 12.1. Methodology
  • 12.2. Contact Timetric
  • 12.3. About Timetric
  • 12.4. Timetric's Services
  • 12.5. Definitions
  • 12.6. Disclaimer

List of Tables

  • Table 1: Vietnamese Payment Channels (VND Trillion), 2009-2013
  • Table 2: Market Entry Strategies of Foreign Banks
  • Table 3: Vietnamese Card Fraud (VND Billion), 2009-2013
  • Table 4: Vietnamese Cards for High-Income Customers
  • Table 5: Vietnamese Shopping Cards by Bank
  • Table 6: Vietnamese Travel Cards by Bank
  • Table 7: Vietnamese Cards Offered to Students and Women by Bank
  • Table 8: Vietnamese Cards Offered for Corporate Customers by Bank
  • Table 9: Vietnamese Consumer Card Spending by Product Category (VND Million), 2008 and 2012
  • Table 10: Vietnamese Consumer Card Spending by Retail Channel (VND Million), 2008 and 2012
  • Table 11: Vietnamese Card Payments Channel by Card Category (Thousand), 2009-2018
  • Table 12: Vietnamese Card Payments Channel Size by Volume of Cards (Million), 2009-2018
  • Table 13: Vietnamese Card Payments Channel Size by Transaction Value (VND Trillion), 2009-2018
  • Table 14: Vietnamese Card Payments Channel Size by Transaction Value (US$ Billion), 2009-2018
  • Table 15: Vietnamese Credit Cards Category Size by Volume of Cards (Thousand), 2009-2018
  • Table 16: Vietnamese Credit Cards Category Size by Transaction Value (VND Trillion), 2009-2018
  • Table 17: Vietnamese Credit Cards Category Size by Transaction Value (US$ Million), 2009-2018
  • Table 18: Vietnamese Credit Cards Category Size by Transaction Volume (Million), 2009-2018
  • Table 19: Vietnamese Personal Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Table 20: Vietnamese Personal Credit Cards Segment Size by Transaction Value (VND Trillion), 2009-2018
  • Table 21: Vietnamese Personal Credit Cards Segment Size by Transaction Value (US$ Million), 2009-2018
  • Table 22: Vietnamese Personal Credit Cards Segment Size by Transaction Volume (Million), 2009-2018
  • Table 23: Vietnamese Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Table 24: Vietnamese Commercial Credit Cards Segment Size by Transaction Value (VND Billion), 2009-2018
  • Table 25: Vietnamese Commercial Credit Cards Segment Size by Transaction Value (US$ Million), 2009-2018
  • Table 26: Vietnamese Commercial Credit Cards Segment Size by Transaction Volume (Thousand), 2009-2018
  • Table 27: Vietnamese Debit Cards Category Size by Volume of Cards (Million), 2009-2018
  • Table 28: Vietnamese Debit Cards Category Size by Transaction Value (VND Trillion), 2009-2018
  • Table 29: Vietnamese Debit Cards Category Size by Transaction Value (US$ Billion), 2009-2018
  • Table 30: Vietnamese Debit Cards Category Size by Transaction Volume (Million), 2009-2018
  • Table 31: Vietnamese Prepaid Cards Category Size by Volume of Cards (Thousand), 2009-2018
  • Table 32: Vietnamese Prepaid Cards Category Size by Transaction Value (VND Billion), 2009-2018
  • Table 33: Vietnamese Prepaid Cards Category Size by Transaction Value (US$ Million), 2009-2018
  • Table 34: Vietnamese Open-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Table 35: Vietnamese Open-Loop Prepaid Cards Segment Size by Transaction Value (VND Billion), 2009-2018
  • Table 36: Vietnamese Open-Loop Prepaid Cards Segment Size by Transaction Value (US$ Thousand), 2009-2018
  • Table 37: Vietnamese Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Table 38: Vietnamese Closed-Loop Prepaid Cards Segment Size by Transaction Value (VND Billion), 2009-2018
  • Table 39: Vietnamese Closed-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 2009-2018
  • Table 40: Agribank - Key Financial Indicators (VND Trillion), Year Ending December, 2010-2011
  • Table 41: Agribank - Card Portfolio and Key Features
  • Table 42: Vietcombank - Key Financial Indicators (VND Trillion), Year Ending December, 2011-2012
  • Table 43: Vietcombank - Card Portfolio and Key Features
  • Table 44: ACB - Key Financial Indicators (VND Trillion), Year Ending December, 2012-2013
  • Table 45: ACB - Card Portfolio and Key Features
  • Table 46: Sacombank - Key Financial Indicators (VND Trillion), Year Ending December, 2012-2013
  • Table 47: Sacombank - Card Portfolio and Key Features
  • Table 48: VietinBank - Key Financial Indicators (VND Trillion), Year Ending December, 2012-2013
  • Table 49: VietinBank - Card Portfolio and Key Features
  • Table 50: Key Definitions

List of Figures

  • Figure 1: Benchmarking the Vietnamese Card Payments Channel Against Other Asia-Pacific Markets
  • Figure 2: Vietnamese Growth of Various Card Categories (%), 2009-2018
  • Figure 3: Vietnamese Internet Penetration, 2009-2018
  • Figure 4: Vietnamese ATM Volume and Penetration, 2009-2018
  • Figure 5: Vietnamese POS Volume and Penetration, 2009-2018
  • Figure 6: Vietnamese Value of Retail Sales (VND Trillion), 2009-2018
  • Figure 7: Vietnamese E-commerce Value (VND Trillion), 2009-2013
  • Figure 8: Vietnamese Real GDP Growth (%), 2009-2018
  • Figure 9: Vietnamese Nominal GDP per Capita (US$), 2009-2018
  • Figure 10: Vietnamese Consumer Price Inflation Rate (%), 2009-2018
  • Figure 11: Vietnamese Shares of Different Payment Channels (%), 2009 and 2013
  • Figure 12: Vietnamese Card Fraud (%), 2009 and 2013
  • Figure 13: Vietnamese Counterfeit Card Fraud Value (VND Billion), 2009-2013
  • Figure 14: Vietnamese Card-Not-Present Fraud Value (VND Billion), 2009-2013
  • Figure 15: Vietnamese Card ID Theft Value (VND Billion), 2009-2013
  • Figure 16: Vietnamese Lost or Stolen Card Fraud Value (VND Billion), 2009-2013
  • Figure 17: Vietnamese Cards and Payments Industry Segmentation by Card Type
  • Figure 18: Vietnamese Volume of Outbound Tourist Trips (Thousand), 2009-2018
  • Figure 19: Vietnamese Outbound Tourist Spending (VND Trillion), 2009-2018
  • Figure 20: Vietnamese Consumer Card Spending by Product Category (%), 2012
  • Figure 21: Vietnamese Consumer Card Spending by Retail Channel (%), 2012
  • Figure 22: Vietnamese Card Payments Channel by Card Category (%), 2009-2018
  • Figure 23: Vietnamese Card Payments Channel Size by Volume of Cards (Million), 2009-2018
  • Figure 24: Vietnamese Card Payments Channel Size by Transaction Value (VND Trillion), 2009-2018
  • Figure 25: Vietnamese Credit Cards Category Volume and Penetration, 2009-2018
  • Figure 26: Vietnamese Credit Cards Category Size by Volume of Cards (Thousand), 2009-2018
  • Figure 27: Vietnamese Credit Cards Category Size by Transaction Value (VND Trillion), 2009-2018
  • Figure 28: Vietnamese Credit Cards Category Size by Transaction Volume (Million), 2009-2018
  • Figure 29: Vietnamese Credit Cards Transaction Value Share Analysis by Channel (VND Trillion), 2009-2018
  • Figure 30: Vietnamese Credit Cards Transaction Volume Share Analysis by Channel (Million), 2009-2018
  • Figure 31: Vietnamese Personal Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Figure 32: Vietnamese Personal Credit Cards Segment Size by Transaction Value (VND Trillion), 2009-2018
  • Figure 33: Vietnamese Personal Credit Cards Segment Size by Transaction Volume (Million), 2009-2018
  • Figure 34: Vietnamese Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Figure 35: Vietnamese Commercial Credit Cards Segment Size by Transaction Value (VND Billion), 2009-2018
  • Figure 36: Vietnamese Commercial Credit Cards Segment Size by Transaction Volume (Thousand), 2009-2018
  • Figure 37: Vietnamese Credit Cards Category Share by Scheme (%), 2012
  • Figure 38: Vietnamese Credit Cards Category Share by Issuer (%), 2012
  • Figure 39: Vietnamese Debit Cards Category Volume and Penetration, 2009-2018
  • Figure 40: Vietnamese Debit Cards Category Size by Volume of Cards (Million), 2009-2018
  • Figure 41: Vietnamese Debit Cards Category Size by Transaction Value (VND Trillion), 2009-2018
  • Figure 42: Vietnamese Debit Cards Category Size by Transaction Volume (Million), 2009-2018
  • Figure 43: Vietnamese Debit Cards Transaction Value Share Analysis by Channel (VND Trillion), 2009-2018
  • Figure 44: Vietnamese Debit Cards Transaction Volume Share Analysis by Channel (Million), 2009-2018
  • Figure 45: Vietnamese Debit Cards Category Share by Scheme (%), 2012
  • Figure 46: Vietnamese Debit Cards Category Share by Issuer (%), 2012
  • Figure 47: Vietnamese Prepaid Cards Category Volume and Penetration, 2009-2018
  • Figure 48: Vietnamese Prepaid Cards Category Size by Volume of Cards (Thousand), 2009-2018
  • Figure 49: Vietnamese Prepaid Cards Category Size by Transaction Value (VND Billion), 2009-2018
  • Figure 50: Vietnamese Open-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Figure 51: Vietnamese Open-Loop Prepaid Cards Segment Size by Transaction Value (VND Billion), 2009-2018
  • Figure 52: Vietnamese Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 2009-2018
  • Figure 53: Vietnamese Closed-Loop Prepaid Cards Segment Size by Transaction Value (VND Billion), 2009-2018
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