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市場調查報告書

馬來西亞的卡片、付款產業:新興趨勢與機會 (到2019年)

The Cards and Payments Industry in Malaysia: Emerging trends and opportunities to 2020

出版商 GlobalData 商品編碼 344946
出版日期 內容資訊 英文 62 Pages
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馬來西亞的卡片、付款產業:新興趨勢與機會 (到2019年) The Cards and Payments Industry in Malaysia: Emerging trends and opportunities to 2020
出版日期: 2017年07月27日 內容資訊: 英文 62 Pages
簡介

本報告提供馬來西亞的卡片、付款產業調查分析、市場規模 (實際成果、預測) 、法規資訊,產業推動因素、市場分析、競爭情形等相關的系統性資訊。

第1章 定義與手法

第2章 主要資訊與活動

第3章 摘要整理

第4章 付款方式

  • 目前的付款環境

第5章 電子商務

  • 電子商務市場分析

第6章 替代付款

  • 替代付款方式

第7章 卡片、付款產業的法規

  • 法律規範
  • 洗錢防制 (AML)
  • 來自外國的直接投資 (FDI) 法規

第8章 卡片、付款產業的推動因素分析

  • 人口統計的推動因素
  • 經濟的推動因素
  • 基礎設施的推動因素
  • 商務的推動因素

第9章 市場區隔與新產品銷售

  • 市場區隔與對象
  • 新產品銷售

第10章 支付卡

  • 支付卡分析

第11章 轉帳卡

  • 轉帳卡市場分析

第12章 信用卡

  • 信用卡市場分析

第13章 簽帳卡

  • 簽帳卡市場分析

第14章 財團用卡

  • 財團用卡市場分析

第15章 卡片詐騙的統計

  • 卡片詐騙分析

第16章 卡片發行公司

  • Maybank
  • Bank Simpanan Nasional
  • Public Bank Bhd
  • CIMB Bank
  • Hong Leong Bank

第17章 儲值卡

  • 儲值卡市場分析

第18章 卡加盟店

  • 卡加盟店市場分析

第19章 附錄

圖表

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目錄
Product Code: VR1221MR

Cash was the predominant payment instrument during the review period, accounting for 93.2% of total volume of payments, especially among the rural population. As the government and banks began to provide basic financial and banking services by expanding banking infrastructure, launching new branches, promoting agent banking networks, and making efforts to change consumer payment habits, payment cards gradually became more accepted, with their use consequently growing during the review period.

Malaysia's payment card market has recorded strong uptake in contactless technology, with all major banks including Maybank, Bank Simpanan Nasional (BSN), CIMB Bank, Public Bank, and Hong Leong Bank now offering contactless cards. The number of contactless POS terminals stood at 33,721 in 2016, increasing almost sevenfold from 4,839 terminals in 2015. To further encourage contactless payments, banks are launching innovative products. Maybank collaborated with Visa in January 2016 to launch an NFC wristband, Maybank Visa Payband, to enable its customers to make payments with a wave of the wrist.

Debit cards dominate the overall payment card market; these are mostly used for cash withdrawals at ATMs rather than payments at merchant outlets. As of July 1, 2015 BNM has capped interchange fees charged by domestic schemes at 0.15% of the transaction value subject to a maximum interchange fee of $0.11 (MYR0.50) per transaction, while debit cards issued by international schemes are capped at 0.21% of the transaction value subject to a maximum interchange fee of MYR0.50 per transaction.

To improve the payment infrastructure in the country, the central bank plans to have 800,000 point of sale (POS) terminals across Malaysia by 2020. To support this, it set up the Market Development Fund (MDF) in 2015, under which credit card scheme providers can contribute by channeling 0.1% of each payment card transaction.

A growing preference for secure electronic payments, growth in the young population, and deeper smartphone penetration saw banks, payment service providers, and telecom companies launching new solutions to gain market share. Samsung Electronics launched its Samsung Pay mobile wallet in Malaysia in February 2017, while in March 2016 Visa launched Visa Checkout in Malaysia.

The report "The Cards and Payments Industry in Malaysia: Emerging trends and opportunities to 2020" provides detailed analysis of market trends in the Malaysian cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, payment cards, cash, direct debits, and cheques during the review-period (2012-16e).

In particular, this report provides the following -

  • Current and forecast values for each market in the Malaysian cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including credit transfers, cash, cheques, direct debit, 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 Malaysian cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.

Companies mentioned in this report: Maybank, Bank Simpanan Nasional, CIMB Bank, Hong Leong Bank, Public Bank, Citibank, HSBC, Bankcard, AmBank, Global Payments, Visa, Mastercard, American Express.

Scope

  • Malaysia's payment card market has recorded strong uptake in contactless technology, with all major banks including Maybank, Bank Simpanan Nasional (BSN), CIMB Bank, Public Bank, and Hong Leong Bank now offering contactless cards. The number of contactless POS terminals stood at 33,721 in 2016, increasing almost sevenfold from 4,839 terminals in 2015. To further encourage contactless payments, banks are launching innovative products. Maybank collaborated with Visa in January 2016 to launch an NFC wristband, Maybank Visa Payband, to enable its customers to make payments with a wave of the wrist.
  • A growing preference for secure electronic payments, growth in the young population, and deeper smartphone penetration saw banks, payment service providers, and telecom companies launching new payment solutions to gain market share. Samsung Electronics, CIMB Bank, and Maybank all launched mobile wallets between 2016 and 2017.
  • BNM launched the Malaysian Chip Card Specification initiative in 2014 as part of a shift towards EMV standards. According to BNM, complete migration to EMV standards with contactless functionality is expected to be completed by January 1, 2018. As a result, from 2015 banks gradually started to replace domestic debit cards with EMV-compliant cards with contactless functionality.

Reasons to buy

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

Table of Contents

Table of Contents

  • 1. EXECUTIVE SUMMARY 2
  • 1.1. Market overview 2
  • 1.2. Key facts 4
  • 1.3. Top five industry events 5
  • 2. PAYMENT INSTRUMENTS 11
  • 2.1. Current payment environment 11
  • 3. E-COMMERCE AND ALTERNATIVE PAYMENTS 13
  • 3.1. E-commerce market analysis 13
  • 3.2. Alternative payment solutions 15
  • 3.2.1. PayPal 15
  • 3.2.2. CIMB Pay 15
  • 3.2.3. Samsung Pay 15
  • 3.2.4. JomPAY 15
  • 3.2.5. MPay 16
  • 3.2.6. Masterpass 16
  • 3.2.7. Visa Checkout 16
  • 3.2.8. Alipay 16
  • 3.2.9. Maybank Pay 16
  • 3.2.10. MOLPoints 17
  • 3.2.11. Mobile Money 17
  • 3.2.12. Celcom AirCash 17
  • 4. REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY 18
  • 4.1. Regulatory framework 18
  • 4.1.1. Revised eligibility requirements for credit card issuance 18
  • 4.1.2. Regulations to enhance credit card security 18
  • 4.1.3. Agent banking requirements 18
  • 4.2. Anti-money laundering 19
  • 4.3. Foreign direct investment regulations 19
  • 5. ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS 20
  • 6. PAYMENT CARDS 23
  • 7. DEBIT CARDS 25
  • 7.1. Debit card market analysis 25
  • 7.2. Competition in the debit card market 27
  • 7.3. Debit card comparison 29
  • 8. PAY-LATER CARDS 30
  • 8.1. Pay-later card market analysis 30
  • 8.2. Competition in the pay-later card market 32
  • 8.3. Pay-later card comparison 34
  • 9. PREPAID CARDS 36
  • 10. MERCHANT ACQUIRING 38
  • 11. APPENDIX 41
  • 11.1. Abbreviations and acronyms 41
  • 11.2. Supplementary data 42
  • 11.4. Definitions 56
  • 11.5. Methodology 58
  • 11.6. Bibliography 60
  • 11.7. Further reading 60

List of Tables

List of Tables

  • Table 1: Malaysia: key facts, 2016 4
  • Table 2: Malaysia: regional benchmarking of payment cards, 2016 4
  • Table 3: Malaysia: mode of entry of foreign banks 19
  • Table 4: Malaysia: debit card comparison and key features, 2017 29
  • Table 5: Malaysia: gold credit card comparison and key features, 2017 34
  • Table 6: Malaysia: premium credit card comparison and key features, 2017 35
  • Table 7: Malaysia: charge card comparison and key features, 2017 35
  • Table 8: Malaysia: payment instrument transaction values (MYRbn), 2012-16e 42
  • Table 9: Malaysia: payment instrument transaction values ($bn), 2012-16e 42
  • Table 10: Malaysia: payment instrument transaction volumes (millions), 2012-16e 42
  • Table 11: Malaysia: payment cards in circulation by type (millions), 2012-20f 42
  • Table 12: Malaysia: volume of payment card transactions (millions), 2012-20f 43
  • Table 13: Malaysia: value of payment card transactions (MYRbn), 2012-20f 43
  • Table 14: Malaysia: value of payment card transactions ($bn), 2012-20f 43
  • Table 15: Malaysia: debit cards in circulation (millions), 2012-20f 43
  • Table 16: Malaysia: debit card transaction volumes, 2012-20f 44
  • Table 17: Malaysia: debit card transaction values (MYR), 2012-20f 44
  • Table 18: Malaysia: debit card transaction values ($), 2012-20f 44
  • Table 19: Malaysia: debit cards in circulation by scheme (millions), 2012-16e 45
  • Table 20: Malaysia: debit card transaction values by scheme (MYRbn), 2012-16e 45
  • Table 21: Malaysia: debit card transaction values by scheme ($bn), 2012-16e 45
  • Table 22: Malaysia: debit card transaction values by issuer (MYRbn), 2012-16e 45
  • Table 23: Malaysia: debit card transaction values by issuer ($bn), 2012-16e 46
  • Table 24: Malaysia: pay-later cards in circulation (millions), 2012-20f 46
  • Table 25: Malaysia: pay-later card transaction volumes, 2012-20f 46
  • Table 26: Malaysia: pay-later card transaction values (MYR), 2012-20f 47
  • Table 27: Malaysia: pay-later card transaction values ($), 2012-20f 47
  • Table 28: Malaysia: pay-later cards in circulation by scheme (000s), 2012-16e 47
  • Table 29: Malaysia: pay-later card transaction values by scheme (MYRbn), 2012-16e 48
  • Table 30: Malaysia: pay-later card transaction values by scheme ($bn), 2012-16e 48
  • Table 31: Malaysia: pay-later card transaction values by issuer (MYRbn), 2012-16e 48
  • Table 32: Malaysia: pay-later card transaction values by issuer ($bn), 2012-16e 48
  • Table 33: Malaysia: credit cards in circulation (millions), 2012-20f 49
  • Table 34: Malaysia: credit card transaction volumes, 2012-20f 49
  • Table 35: Malaysia: credit card transaction values (MYR), 2012-20f 49
  • Table 36: Malaysia: credit card transaction values ($), 2012-20f 49
  • Table 37: Malaysia: credit cards in circulation by scheme (000s), 2012-16e 50
  • Table 38: Malaysia: credit card transaction values by scheme (MYRbn), 2012-16e 50
  • Table 39: Malaysia: credit card transaction values by scheme ($bn), 2012-16e 50
  • Table 40: Malaysia: charge cards in circulation (000s), 2012-20f 50
  • Table 41: Malaysia: charge card transaction volumes, 2012-20f 51
  • Table 42: Malaysia: charge card transaction values (MYR), 2012-20f 51
  • Table 43: Malaysia: charge card transaction values ($), 2012-20f 51
  • Table 44: Malaysia: charge cards in circulation by scheme (000s), 2012-16e 52
  • Table 45: Malaysia: charge card transaction values by scheme (MYRbn), 2012-16e 52
  • Table 46: Malaysia: charge card transaction values by scheme ($bn), 2012-16e 52
  • Table 47: Malaysia: prepaid cards in circulation (millions), 2012-20f 52
  • Table 48: Malaysia: prepaid card transaction values (MYRbn), 2012-20f 52
  • Table 49: Malaysia: prepaid card transaction values ($m), 2012-20f 52
  • Table 50: Malaysia: merchant acquiring transaction volumes (millions), 2012-20f 53
  • Table 51: Malaysia: merchant acquiring transaction values (MYRbn), 2012-20f 53
  • Table 52: Malaysia: merchant acquiring transaction values ($bn), 2012-20f 53
  • Table 53: Malaysia: acquirers' transaction volumes (millions), 2011-15 53
  • Table 54: Malaysia: acquirers' transaction values (MYRbn), 2011-15 54
  • Table 55: Malaysia: acquirers' transaction values ($bn), 2011-15 54
  • Table 56: Malaysia: retail outlets and card-accepting merchants (000s), 2012-20f 54
  • Table 57: Malaysia: debit card average interchange fees (%), 2011-15 54
  • Table 58: Malaysia: debit card merchant service charge and interchange fee (%), 2012-20f 55
  • Table 59: Malaysia: pay-later card average interchange fees (%), 2011-15 55
  • Table 60: Malaysia: pay-later card merchant service charge and interchange fee (%), 2012-20f 55
  • Table 61: Key definitions 56

List of Figures

List of Figures

  • Figure 1: Malaysia: payment instrument shares by transaction value (%), 2012 vs 2016 11
  • Figure 2: Malaysia: payment instrument shares by transaction volume (%), 2012 vs 2016 12
  • Figure 3: Malaysia: e-commerce market value 13
  • Figure 4: Malaysia: population and economic indicators 20
  • Figure 5: Malaysia: ATMs, POS terminals, and household consumption 21
  • Figure 6: Malaysia: payment card transaction value and cards in circulation, 2012-20f 23
  • Figure 7: Malaysia: debit card penetration and turnover per card 25
  • Figure 8: Malaysia: debit card scheme and issuer transaction value shares, 2016 27
  • Figure 9: Malaysia: pay-later card penetration and turnover per card 30
  • Figure 10: Malaysia: pay-later card scheme and issuer transaction value shares, 2016 32
  • Figure 11: Malaysia: prepaid cards in circulation and transaction value, 2012-20f 36
  • Figure 12: Malaysia: merchant acquiring transaction volume and value, 2012-20f 38
  • Figure 13: Malaysia: acquirers' market share in terms of transaction volume and value (%), 2015 39
  • Figure 14: Malaysia: average merchant service charge and interchange fee (%), 2012-20f 40
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