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市場調查報告書

新加坡的卡片、付款產業:新機會與市場機會 (到2019年)

The Cards and Payments Industry in Singapore: Emerging Trends and Opportunities to 2020

出版商 GlobalData 商品編碼 330585
出版日期 內容資訊 英文 65 Pages
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新加坡的卡片、付款產業:新機會與市場機會 (到2019年) The Cards and Payments Industry in Singapore: Emerging Trends and Opportunities to 2020
出版日期: 2017年04月03日 內容資訊: 英文 65 Pages

本報告已在2017年04月20日停止出版

簡介

本報告提供新加坡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件數、金額 (過去5年的實際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,管理體制的最新資訊,詐騙、犯罪行為趨勢,消費者的想法、行動模式等調查、考察。

第1章 定義與分類

第2章 主要資料和最近的趨勢

第3章 摘要整理

第4章 付款方式

  • 目前付款方式
  • 替代性的付款方式
    • 行動付款
    • PayPal
    • MasterPass
    • PayDollar
    • Fastcash
    • MOLPoints

第5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6章 卡片、付款產業的推動因素分析

  • 在人口方面的推動因素
  • 在經濟方面的推動因素
  • 在基礎設施方面的推動因素
  • 商務方面的推動因素

第7章 市場區分和新產品的銷售

  • 市場區分和目標設定
    • 個人卡 (消費者卡)
    • 公司用卡 (商用卡)
  • 新產品的銷售

第8章 付款用卡

  • 付款用卡分析
    • 付款用卡的交易數量、金額:各類型
    • 個人/公司用卡

第9章 轉帳卡

  • 轉帳卡分析
    • 轉帳卡的交易數量、金額:各流通管道
    • 轉帳卡的各方案佔有率 (發行張數/結算金額為基礎)
    • 轉帳卡發行企業的市場佔有率
    • 轉帳卡比較

第10章 信用卡

  • 信用卡分析
    • 信用卡的交易數量、金額:各流通管道
    • 信用卡的各方案佔有率 (發行張數/結算金額為基礎)
    • 信用卡發行企業的市場佔有率
    • 信用卡比較

第11章 簽帳卡

  • 簽帳卡分析
    • 簽帳卡的交易數量、金額:各流通管道
    • 簽帳卡的各方案佔有率 (發行張數/結算金額為基礎)
    • 簽帳卡比較

第12章 公司用卡

  • 公司用卡市場分析
    • 公司用卡 (商用卡) 比較

第13章 卡詐騙的統計

  • 卡詐騙分析

第14章 卡發行企業 (發行者)

  • DBS Bank
  • United Overseas Bank
  • The Oversea-Chinese Banking Corporation Ltd
  • Citibank Singapore
  • Standard Chartered Bank

第15章 儲值卡

  • 儲值卡市場分析
    • 儲值卡比較

第16章 信用卡商戶業務 (商店收單)

  • 信用卡商戶業務市場分析

第17章 附錄

圖表一覽

目錄
Product Code: VR1205MR

GlobalData's "The Cards and Payments Industry in Singapore: Emerging Trends and Opportunities to 2020", report provides detailed analysis of market trends in the Singaporean cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including direct debits, check payments, payment cards, cash transactions and credit transfers 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, and transaction values and volumes during the review period and over the forecast period (2016-2020). 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.

Competition in Singapore's alternative payments market increased following the launches of Apple Pay, Android Pay and Samsung Pay. Domestic banks and telecoms operators are taking advantage of the trend by launching their own solutions. Liquid Group launched the Liquid Pay mobile wallet in November 2016, and in May 2016 relaunched Dash in collaboration with Standard Charted Bank, Citibank, DBS Bank, OCBC Bank, and UOB telecom provider Singtel.

Singapore's payment cards market has recorded a strong uptake in contactless technology with all major banks including DBS Bank, UOB, OCBC Bank and Citibank now offering contactless cards. To further encourage contactless payments, UOB removed the restriction on transaction limits of US$69.1 (SGD100) for contactless payments in May 2016. Similarly, DBS Bank increased its contactless payment limit from US$69.1 (SGD100) to US$138.2 (SGD200) in June 2016. While, other banks are contemplating to increase minimum transaction limit for contactless payments.

In July 2016, Mastercard and the Land Transport Authority of Singapore (LTA) announced a pilot scheme whereby passengers can use contactless cards to make public transport payments, allowing the usage of credit and debit cards for fare payments. If the pilot is successful, the country would join handful of locations, like London and Sydney, which embraced contactless debit and credit payments on their transit systems. These initiatives are anticipated to propel contactless transactions in Singapore.

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

  • Current and forecast values for each market in the Singaporean cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including direct debit, credit transfers, cash transactions, checks 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 Singaporean cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape in the Singaporean cards and payments industry.

Scope

  • This report provides a comprehensive analysis of the Singaporean cards and payments industry.
  • It provides current values for the Singaporean cards and payments industry for 2016, and forecast figures to 2020.
  • It details the different demographic, economic, infrastructural and business drivers affecting the Singaporean cards and payments industry.
  • It outlines the current regulatory framework in the industry.
  • It details marketing strategies used by various banks and other institutions.

Reasons to buy

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

Table of Contents

Table of Contents

  • EXECUTIVE SUMMARY 2
  • 1.1. Market overview 2
  • 1.2. Key facts 3
  • 1.3. Top five industry events 4
  • 2. PAYMENT INSTRUMENTS 11
  • 2.1. Current payment environment 11
  • 3. E-COMMERCE AND ALTERNATIVE PAYMENTS 14
  • 3.1. E-Commerce Market Analysis 14
  • 3.2. Alternative payment solutions 16
  • 3.2.1. PayPal 16
  • 3.2.2. Apple Pay 16
  • 3.2.3. Android Pay 16
  • 3.2.4. Samsung Pay 16
  • 3.2.5. Visa Checkout 17
  • 3.2.6. MasterPass 17
  • 3.2.7. PayDollar 17
  • 3.2.8. Fastcash 17
  • 3.2.9. MOLPoints 17
  • 3.2.10. Liquid Pay 18
  • 3.2.11. CitiPay 18
  • 3.2.12. UOB Mighty 18
  • 3.2.13. Pay Lah! 18
  • 3.2.14. Dash 18
  • 3.2.15. Singtel mWallet 18
  • 3.2.16. OCBC Pay Anyone 19
  • 4. REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY 20
  • 4.1. Regulatory framework 20
  • 4.2. Anti-money laundering 21
  • 4.3. Foreign Direct Investment (FDI) Regulations 22
  • 5. ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS 23
  • 6. PAYMENT CARDS 26
  • 7. DEBIT CARDS 28
  • 7.1. Debit cards market analysis 28
  • 7.2. Competition in the debit cards market 30
  • 7.3. Debit cards comparison 31
  • 8. PAY LATER CARDS 32
  • 8.1. Pay later cards market analysis 32
  • 8.2. Competition in the pay later cards market 34
  • 8.3. Pay later cards comparison 36
  • 9. PREPAID CARDS 38
  • 10. MERCHANT ACQUIRING 40
  • 11. APPENDIX 43
  • 11.1. Abbreviations and acronyms 43
  • 11.2. Supplementary data 44
  • 11.3. Definitions 59
  • 11.4. Common payment card features 60
  • 11.5. Methodology 61
  • 11.6. Bibliography 63
  • 11.7. Further reading 63

List of Tables

List of Tables

  • Table 1: Singapore, Key Facts, 2016 3
  • Table 2: Singapore, Regional Benchmarking of Payment Cards, 2016 3
  • Table 3: Singapore, Mode of Entry of Foreign Banks 22
  • Table 4: Singapore, Debit Cards Comparison and Key Features, 2017 31
  • Table 5: Singapore, Premium Credit Cards Comparison and Key Features, 2017 36
  • Table 6: Singapore, Charge Cards Comparison and Key Features, 2017 37
  • Table 7: Singapore, Payment Instrument Transaction Values (SGD Billion), 2012-2016 44
  • Table 8: Singapore, Payment Instrument Transaction Values (US$ Billion), 2012-2016 44
  • Table 9: Singapore, Payment Instrument Transaction Volumes (Million), 2012-2016 44
  • Table 10: Singapore, Payment Cards in Circulation by Type (Million), 2012-2020 45
  • Table 11: Singapore, Volume of Payment Card Transactions (Million), 2012-2020 45
  • Table 12: Singapore, Value of Payment Card Transactions (SGD Billion), 2012-2020 45
  • Table 13: Singapore, Value of Payment Card Transactions (US$ Billion), 2012-2020 45
  • Table 14: Singapore, Debit Cards in Circulation (Million), 2012-2020 46
  • Table 15: Singapore, Debit Card Transaction Volumes, 2012-2020 46
  • Table 16: Singapore, Debit Card Transaction Values (SGD), 2012-2020 46
  • Table 17: Singapore, Debit Card Transaction Values (US$), 2012-2020 47
  • Table 18: Singapore, Debit Cards in Circulation by Scheme (Thousand), 2012-2016 47
  • Table 19: Singapore, Debit Card Transaction Values by Scheme (SGD Billion), 2012-2016 47
  • Table 20: Singapore, Debit Card Transaction Values by Scheme (US$ Billion), 2012-2016 47
  • Table 21: Singapore, Debit Card Transaction Values by Issuer (SGD Billion), 2012-2016 48
  • Table 22: Singapore, Debit Card Transaction Values by Issuer (US$ Billion), 2012-2016 48
  • Table 23: Singapore, Pay Later Cards in Circulation (Million), 2012-2020 48
  • Table 24: Singapore, Pay Later Card Transaction Volumes, 2012-2020 49
  • Table 25: Singapore, Pay Later Card Transaction Values (SGD), 2012-2020 49
  • Table 26: Singapore, Pay Later Card Transaction Values (US$), 2012-2020 49
  • Table 27: Singapore, Pay Later Cards in Circulation by Scheme (Thousand), 2012-2016 50
  • Table 28: Singapore, Pay Later Card Transaction Values by Scheme (SGD Million), 2012-2016 50
  • Table 29: Singapore, Pay Later Card Transaction Values by Scheme (US$ Million), 2012-2016 50
  • Table 30: Singapore, Pay Later Card Transaction Values by Issuer (SGD Billion), 2012-2016 51
  • Table 31: Singapore, Pay Later Card Transaction Values by Issuer (US$ Billion), 2012-2016 51
  • Table 32: Singapore, Credit Cards in Circulation (Thousand), 2012-2020 51
  • Table 33: Singapore, Credit Card Transaction Volumes, 2012-2020 52
  • Table 34: Singapore, Credit Card Transaction Values (SGD), 2012-2020 52
  • Table 35: Singapore, Credit Card Transaction Values (US$), 2012-2020 52
  • Table 36: Singapore, Credit Cards in Circulation by Scheme (Thousand), 2012-2016 53
  • Table 37: Singapore, Credit Card Transaction Values by Scheme (SGD Million), 2012-2016 53
  • Table 38: Singapore, Credit Card Transaction Values by Scheme (US$ Million), 2012-2016 53
  • Table 39: Singapore, Charge Cards in Circulation (Thousand), 2012-2020 54
  • Table 40: Singapore, Charge Card Transaction Volumes, 2012-2020 54
  • Table 41: Singapore, Charge Card Transaction Values (SGD), 2012-2020 54
  • Table 42: Singapore, Charge Card Transaction Values (US$), 2012-2020 55
  • Table 43: Singapore, Charge Cards in Circulation by Scheme (Thousand), 2012-2016 55
  • Table 44: Singapore, Charge Card Transaction Values by Scheme (SGD Million), 2012-2016 55
  • Table 45: Singapore, Charge Card Transaction Values by Scheme (US$ Million), 2012-2016 55
  • Table 46: Singapore, Prepaid Cards in Circulation (Million), 2012-2020 56
  • Table 47: Singapore, Prepaid Card Transaction Values (SGD Million), 2012-2020 56
  • Table 48: Singapore, Prepaid Card Transaction Values (US$ Million), 2012-2020 56
  • Table 49: Singapore, Merchant Acquiring Transaction Volumes (Million), 2012-2020 56
  • Table 50: Singapore, Merchant Acquiring Transaction Values (SGD Billion), 2012-2020 56
  • Table 51: Singapore, Merchant Acquiring Transaction Values (US$ Billion), 2012-2020 57
  • Table 52: Singapore, Acquirers' Transaction Volumes (Million), 2011-2015 57
  • Table 53: Singapore, Acquirers' Transaction Values (SGD Billion), 2011-2015 57
  • Table 54: Singapore, Acquirers' Transaction Values (US$ Billion), 2011-2015 57
  • Table 55: Singapore, Retail Outlets and Card-Accepting Merchants (Thousand), 2012-2020 58
  • Table 56: Singapore, Debit Card Average Interchange Fees (%), 2011-2015 58
  • Table 57: Singapore, Debit Card Merchant Service Charge and Interchange Fee (%), 2012-2020 58
  • Table 58: Singapore, Pay Later Card Average Interchange Fees (%), 2011-2015 58
  • Table 59: Singapore, Pay Later Card Merchant Service Charge and Interchange Fee (%), 2012-2020 58
  • Table 60: Definitions of Commonly Used Terms 59
  • Table 61: Common Features of Payment Cards 60

List of Figures

List of Figures

  • Figure 1: Singapore, Payment Instrument Shares by Transaction Value (%), 2012 vs 2016 11
  • Figure 2: Singapore, Payment Instrument Shares by Transaction Volume (%), 2012 vs 2016 13
  • Figure 3: Singapore, E-Commerce Value 14
  • Figure 4: Singapore, Population and Economic Indicators 23
  • Figure 5: Singapore, ATMs, POS Terminals and Household Consumption 24
  • Figure 6: Singapore, Payment Cards Transaction Value and Cards in Circulation, 2012-2020 26
  • Figure 7: Singapore, Debit Card Penetration and Turnover Per Card 28
  • Figure 8: Singapore, Debit Cards Scheme and Issuer Transaction Value Share, 2016 30
  • Figure 9: Singapore, Pay Later Card Penetration and Turnover Per Card 32
  • Figure 10: Singapore, Pay Later Cards Scheme and Issuer Transaction Value Share, (%), 2016 34
  • Figure 11: Singapore, Prepaid Cards in Circulation and Transaction Value, 2012-2020 38
  • Figure 12: Singapore, Merchant Acquiring Transaction Volume and Value, 2012-2020 40
  • Figure 13: Singapore, Acquirers' Market Share in Terms of Transaction Volume and Value (%), 2015 41
  • Figure 14: Singapore, Average Merchant Service Charge and Interchange Fee (%), 2012-2020 42
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