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市場調查報告書

印度的卡片、付款產業:新機會與市場機會

The Cards and Payments Industry in India: Emerging Trends and Opportunities to 2021

出版商 GlobalData 商品編碼 328341
出版日期 內容資訊 英文 68 Pages
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印度的卡片、付款產業:新機會與市場機會 The Cards and Payments Industry in India: Emerging Trends and Opportunities to 2021
出版日期: 2016年11月16日 內容資訊: 英文 68 Pages
簡介

本報告提供印度的各種卡片及付款方式的產業相關分析,各種卡片的發行張數和付款數量、金額 (過去5年的成果值與今後五年的預測值),主要企業簡介和競爭環境 (市場佔有率等),產業整體推動因素和課題,目前管理體制,各企業、銀行的產業策略的發展情形,產業的最新形勢和今後的成長機會等調查、考察。

第1章 摘要整理

第2章 付款方式

  • 目前付款環境

第3章 電子商務替代性的付款方式

  • 電子商務 市場分析
  • 替代性的付款解決方案

第4章 對卡片、付款產業的法規

  • 管理體制
  • 反洗錢 (AML)
  • 海外直接投資 (FDI) 的法規

第5章 卡片、付款產業的推動因素分析

第6章 付款用卡

第7章 轉帳卡

  • 轉帳卡市場分析
  • 轉帳卡市場上的企業間競爭
  • 轉帳卡比較

第8章 墊付卡

  • 墊付卡市場分析
  • 墊付卡市場上的企業間競爭
  • 墊付卡比較

第9章 發卡公司

第10章 儲值卡

第11章 卡片加盟店相關業務 (Merchant Acquiring)

第12章 附錄

圖表一覽

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目錄

GlobalData's "The Cards and Payments Industry in India: Emerging Trends and Opportunities to 2021", report provides detailed analysis of market trends in the Indian cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debit, cash, payment cards and checks during the review period (2012-2016).

The report also analyzes various payment card markets operating in the industry, and provides detailed information on the number of cards in circulation, transaction values and volumes during the review period and over the forecast period (2017-2021). It also offers information on the country's competitive landscape, including the market shares of issuers and schemes.

The report brings together GlobalData's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers details of regulatory policy and recent changes in the regulatory structure.

The report also provides top-level market analysis, information and insights into the Indian cards and payments industry, including -

  • Current and forecast values for each market in the Indian cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including credit transfers, direct debit, checks, cash and payment cards. It also, includes an overview of the country's key alternative payment instruments.
  • E-commerce market analysis and payment methods.
  • Analysis of various market drivers and regulations governing the Indian cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.

Scope

  • To tackle the issue of 'black' money and counterfeit currency, the Indian government decided to cancel the legal tender of the high-denomination INR500 and INR1,000 from midnight of November 2016; these are now being replaced with new notes. These notes account for more than 85% of the total currency in circulation in value terms, and the move has resulted in a shortage of cash as a result of logistical issues in making the new notes available. The shortage of cash is expected to encourage the use of payment card and digital wallets in the country. Furthermore, this will bring overall change in consumers' mindset and payment habits and drive electronic payments.
  • Competition in the Indian alternative payments market has increased, with payment service providers (PSPs), banks and mobile operators all offering solutions. For instance, State Bank of India (SBI) launched the State Bank Buddy digital wallet in August 2015; as of March 2016, 4.8 million transactions worth US$35.1 million (INR2.3 billion) had been made, of which US$1.8 million (INR114.7 million) were at merchant outlets. Other digital wallets launched by banks were Pockets by ICICI Bank in February 2015, and Lime by Axis Bank in September 2015. PSPs offering payment solutions include Paytm, Oxigen wallet and FreeCharge. India-based mobile operator Bharti Airtel launched its mobile money service, airtel money, in February 2012.
  • The emergence of mobile-only banks is likely to accelerate the shift towards electronic payments in India. Singapore-based DBS Bank launched India's first mobile-only bank, digibank, in April 2016; the zero-balance savings account comes with a Visa debit card. Customers are entitled to an unlimited number of cash withdrawals, and are offered cashback and discounts on in-store and online purchases. Customers can open accounts at any of the bank's partner outlets simply by giving Adhar Card details and biometrics for authentication.

Reasons to buy

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

Table of Contents

1. EXECUTIVE SUMMARY

  • 1.1. Market overview
  • 1.2. Key facts
  • 1.3. Top five industry events

2. PAYMENT INSTRUMENTS

  • 2.1. Current payment environment

3. E-COMMERCE AND ALTERNATIVE PAYMENTS

  • 3.1. E-Commerce market analysis
  • 3.2. Alternative payment solutions
    • 3.2.1. PayPal
    • 3.2.2. Paytm
    • 3.2.3. State Bank Buddy
    • 3.2.4. Oxigen wallet
    • 3.2.5. airtel money
    • 3.2.6. MasterPass
    • 3.2.7. FreeCharge
    • 3.2.8. PayZapp
    • 3.2.9. PayU
    • 3.2.10. Pockets
    • 3.2.11. Lime
    • 3.2.12. MobiKwik

4. REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY

  • 4.1. Regulatory framework
  • 4.2. Anti-money laundering (AML)
  • 4.3. Foreign direct investment (FDI) regulations

5. ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS

6. PAYMENT CARDS

7. DEBIT CARDS

  • 7.1. Debit cards market analysis
  • 7.2. Competition in the debit cards market
  • 7.3. Debit cards comparison

8. PAY LATER CARDS

  • 8.1. Pay later cards market analysis
  • 8.2. Competition in the pay later cards market
  • 8.3. Pay later cards comparison

9. CARD ISSUERS

  • 9.1. State Bank of India
  • 9.2. HDFC Bank
  • 9.3. ICICI Bank
  • 9.4. Axis Bank
  • 9.5. Punjab National Bank

10. PREPAID CARDS

11. MERCHANT ACQUIRING

12. APPENDIX

  • 12.1. Tables
  • 12.2. Definitions
  • 12.3. Methodology

List of Tables

  • Table 1: India - Key Facts, 2016
  • Table 2: Regional Benchmarking of the Indian Payment Cards, 2016
  • Table 3: Paytm Fact Sheet, October 2016
  • Table 4: India - Mode of Entry of Foreign Banks
  • Table 5: India - Debit Cards Comparison and Key Features, 2016
  • Table 6: India - Gold Credit Cards Comparison and Key Features, 2016
  • Table 7: India - Premium Credit Cards Comparison and Key Features, 2016
  • Table 8: India - Charge Cards Comparison and Key Features, 2016
  • Table 9: India - Payment Instrument Transaction Values (INR Trillion), 2012-2016
  • Table 10: India - Payment Instrument Transaction Values (US$ Billion), 2012-2016
  • Table 11: India - Payment Instrument Transaction Volumes (Million), 2012-2016
  • Table 12: India - Number of Payment Cards in Circulation by Type (Million), 2012-2021
  • Table 13: India - Volume of Payment Card Transactions by Type (Million), 2012-2021
  • Table 14: India - Value of Payment Card Transactions by Type (INR Billion), 2012-2021
  • Table 15: India - Value of Payment Card Transactions by Type (US$ Billion), 2012-2021
  • Table 16: India - Number of Debit Cards in Circulation (Million), 2012-2021
  • Table 17: India - Debit Card Transaction Volumes and Frequency by Channel, 2012-2021
  • Table 18: India - Debit Card Total and Average Transaction Values by Channel, 2012-2021
  • Table 19: India - Debit Card Total and Average Transaction Values by Channel, 2012-2021
  • Table 20: India - Number of Debit Cards in Circulation by Scheme (Million), 2012-2016
  • Table 21: India - Debit Card Transaction Values by Scheme (INR Trillion), 2012-2016
  • Table 22: India - Debit Card Transaction Values by Scheme (US$ Billion), 2012-2016
  • Table 23: India - Debit Card Transaction Values by Issuer (INR Trillion), 2012-2016
  • Table 24: India - Debit Card Transaction Values by Issuer (US$ Billion), 2012-2016
  • Table 25: India - Number of Pay Later Cards in Circulation (Million), 2012-2021
  • Table 26: India - Pay Later Card Transaction Volumes and Frequency by Channel, 2012-2021
  • Table 27: India - Pay Later Card Total and Average Transaction Values by Channel, 2012-2021
  • Table 28: India - Pay Later Card Total and Average Transaction Values by Channel, 2012-2021
  • Table 29: India - Number of Pay Later Cards in Circulation by Scheme (Million), 2012-2016
  • Table 30: India - Pay Later Card Transaction Values by Scheme (INR Billion), 2012-2016
  • Table 31: India - Pay Later Card Transaction Values by Scheme (US$ Billion), 2012-2016
  • Table 32: India - Pay Later Card Transaction Values by Issuer (INR Billion), 2012-2016
  • Table 33: India - Pay Later Card Transaction Values by Issuer (US$ Billion), 2012-2016
  • Table 34: India - Number of Credit Cards in Circulation (Million), 2012-2021
  • Table 35: India - Credit Card Transaction Volumes and Frequency by Channel, 2012-2021
  • Table 36: India - Credit Card Total and Average Transaction Values by Channel, 2012-2021
  • Table 37: India - Credit Card Total and Average Transaction Values by Channel, 2012-2021
  • Table 38: India - Number of Credit Cards in Circulation by Scheme (Million), 2012-2016
  • Table 39: India - Credit Card Transaction Values by Scheme (INR Billion), 2012-2016
  • Table 40: India - Credit Card Transaction Values by Scheme (US$ Billion), 2012-2016
  • Table 41: India - Number of Charge Cards in Circulation (Thousand), 2012-2021
  • Table 42: India - Charge Card Transaction Volumes and Frequency by Channel, 2012-2021
  • Table 43: India - Charge Card Total and Average Transaction Values by Channel, 2012-2021
  • Table 44: India - Charge Card Total and Average Transaction Values by Channel, 2012-2021
  • Table 45: India - Number of Charge Cards in Circulation by Scheme (Thousand), 2012-2016
  • Table 46: India - Charge Card Transaction Values by Scheme (INR Billion), 2012-2016
  • Table 47: India - Charge Card Transaction Values by Scheme (US$ Billion), 2012-2016
  • Table 48: India - Personal and Commercial Pay Later Card Transaction Volumes (Million), 2012-2021
  • Table 49: India - Personal and Commercial Pay Later Card Transaction Values (INR Billion), 2012-2021
  • Table 50: India - Personal and Commercial Pay Later Card Transaction Values (US$ Billion), 2012-2021
  • Table 51: India - Number of Commercial Pay Later Cards in Circulation (Thousand), 2012-2021
  • Table 52: India - Commercial Pay Later Card Transaction Volumes (Million), 2012-2021
  • Table 53: India - Commercial Pay Later Card Transaction Values (INR Billion), 2012-2021
  • Table 54: India - Commercial Pay Later Card Transaction Values (US$ Billion), 2012-2021
  • Table 55: India - Number of Prepaid Cards in Circulation (Million), 2012-2021
  • Table 56: India - Prepaid Card Transaction Values (INR Billion), 2012-2021
  • Table 57: India - Prepaid Card Transaction Values (US$ Billion), 2012-2021
  • Table 58: India - Merchant Acquiring Transaction Volumes (Billion), 2012-2021
  • Table 59: India - Merchant Acquiring Transaction Values (INR Trillion), 2012-2021
  • Table 60: India - Merchant Acquiring Transaction Values (US$ Billion), 2012-2021
  • Table 61: India - Acquirers' Transaction Volumes (Million), 2012-2015
  • Table 62: India - Acquirers' Transaction Values (INR Billion), 2012-2015
  • Table 63: India - Acquirers' Transaction Values (US$ Billion), 2012-2015
  • Table 64: India - Retail Outlets and Card Accepting Merchants (Million), 2012-2021
  • Table 65: India - Debit Card, Average Interchange Fees: Intra-Network Transactions (%), 2012-2016
  • Table 66: India - Debit Card, Average Merchant Service Charge and Interchange Fee (%), 2012-2021
  • Table 67: India - Pay Later Card, Average Interchange Fees: Intra-Network Transactions (%), 2012-2016
  • Table 68: India - Pay Later Card, Average Merchant Service Charge and Interchange Fee (%), 2012-2021
  • Table 69: Key Definitions
  • Table 70: Annual Average Exchange Rate

List of Figures

  • Figure 1: India - Payment Instrument Shares by Transaction Value (%), 2012 vs 2016
  • Figure 2: India - Payment Instrument Shares by Transaction Volume (%), 2012 vs 2016
  • Figure 3: India - E-Commerce Value, 2012-2021
  • Figure 4: India - E-Commerce Payment Methods, 2016
  • Figure 5: India - Population
  • Figure 6: India - Economic Indicators
  • Figure 7: India - ATMs and POS Terminals
  • Figure 8: India - Household Consumption
  • Figure 9: India - Growth in Payment Cards Transaction Values, 2012-2021
  • Figure 10: India - Number of Cards in Circulation by Type, 2012-2021
  • Figure 11: India - Debit Card Penetration, 2016
  • Figure 12: India - Turnover Per Debit Card, 2016
  • Figure 13: India - Debit Card Scheme Share in Terms of Transaction Value, 2016
  • Figure 14: India - Debit Card Issuer Share in Terms of Transaction Value, 2016
  • Figure 15: India - Pay Later Cards Penetration, 2016
  • Figure 16: India - Turnover Per Pay Later Card, 2016
  • Figure 17: India - Pay Later Cards Scheme Share in Terms of Transaction Value, 2016
  • Figure 18: India - Pay Later Cards Issuer Share in Terms of Transaction Value, 2016
  • Figure 19: India - Number of Prepaid Cards in Circulation, 2012-2021
  • Figure 20: India - Prepaid Cards Transaction Value, 2012-2021
  • Figure 21: India - Merchant Acquiring Transaction Volume and Value, 2012-2021
  • Figure 22: India - Acquirers' Market Share in Terms of Transaction Volume and Value (%), 2015
  • Figure 23: India - Average Merchant Service Charge and Interchange Fee (%), 2012-2021
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