Egypt’s card industry witnessed strong growth during the review period (2008–2012). In volume terms, the overall industry recorded an impressive CAGR of 14.07%, rising from 9.1 million cards in 2008 to 15.4 million in 2012. The industry is forecast to grow at a CAGR of 6.48% over the forecast period (2013–2017), from 16.5 million cards in 2013 to 21.3 million in 2017. The prepaid cards category recorded the highest growth rate of all card categories with a CAGR of 37.55% during the review period, growing from 385,500 cards in 2008 to 1.3 million in 2012.

1. Emerging Opportunities in Egypts Cards and Payments Industry: Market Size, Trends and Drivers, Strategies,
Products and Competitive Landscape
Synopsis
The report provides market analysis, information and insights into Egypt’s cards and payments
market, including:
Current and forecast values for each category of Egypt’s cards and payments industry including debit
cards, credit cards, prepaid cards and charge cards Comprehensive analysis of the industry’s market
attractiveness and future growth areas Analysis of various market drivers and regulations governing
Egypt’s cards and payments industry Detailed analysis of the marketing strategies adopted for selling
debit, credit, charge and prepaid cards used by various bankers and other institutions in the market
Comprehensive analysis of consumer attitudes and their buying preferences for cards Competitive landscape
of Egypt’s cards and payments industry
Executive summary
Egypt’s card industry witnessed strong growth during the review period (2008–2012). In
volume terms, the overall industry recorded an impressive CAGR of 14.07%, rising from 9.1 million cards in
2008 to 15.4 million in 2012. The industry is forecast to grow at a CAGR of 6.48% over the forecast period
(2013–2017), from 16.5 million cards in 2013 to 21.3 million in 2017. The prepaid cards category
recorded the highest growth rate of all card categories with a CAGR of 37.55% during the review period,
growing from 385,500 cards in 2008 to 1.3 million in 2012.
This category is expected to register a strong CAGR of 19.16% over the forecast period, rising from 1.6
million cards in 2013 to 3.2 million in 2017. In 2012, the debit card category held the highest market share of
79.3% in terms of number of cards in circulation, followed by the credit card category with a market share of
12.3%. The prepaid cards category held the lowest market share of 8.3% in 2012.
Scope
This report provides a comprehensive analysis of Egypt’s cards and payments industry It provides
current values for Egypt’s cards and payments industry for 2012 and forecast figures for 2017 It details
the different macroeconomic, infrastructural, consumer and business drivers affecting Egypt’s cards
and payments industry It outlines the current regulatory framework in the industry It details the marketing
strategies used by various bankers and other institutions It profiles the major banks in Egypt’s cards
and payments industry
Key highlights
The number of cards in circulation in Egypt increased from 9.1 million in 2008 to 15.4 million in 2012, at a
CAGR of 14.07% during the review period. The prepaid cards category is expected to record a CAGR of
19.16% over the forecast period and hold a significant market share of the unbanked population. The debit
card category registered a CAGR of 14.27% during the review period, increasing from 7.2 million cards in
2008 to 12.2 million in 2012. Along with the growing number of internet users, online retail is gaining
popularity in the country as consumers start to realize its benefits. Notably, 22.4% of internet users in the
country in 2012 used e-commerce services to buy products, avail services and make bill payments. In order to
serve the unbanked population in the country, the Central Bank of Egypt (CBE) partnered with GiroNil.
GiroNil was founded in 2005 by domestic banks such as Banque MISR, Egypt Post, and Commercial
Emerging Opportunities in Egypts Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Lan

2. International Bank (CIB) to develop and implement a shared cashless (giro) payment system. In 2010, CBE
selected GiroNil to co-develop the national Automated Clearing House (ACH) system for Egypt. As a result
of improved awareness among consumers and enhanced security measures such as EMV chip-based
technology on card products, fraudulent transactions declined significantly during the review period, from
EGP99.1 million (US$18.4 million) in 2008 to EGP60.0 million (US$10.0 million) in 2012. Card fraud at
ATMs accounted for the highest share of total fraud in the country.
Reasons to buy
Make strategic business decisions using historic and forecast market data related to Egypt’s cards and
payments industry and each market within it Understand the key market trends and growth opportunities
within Egypt’s cards and payments industry Assess the competitive dynamics in Egypt’s cards
and payments industry Gain insights into the marketing strategies used for selling various types of cards in
Egypt Gain insights into key regulations governing Egypt’s cards and payments industry
table Of Contents
1 Executive Summary
2 Market Attractiveness And Future Prospects Of Card And Payments Industry
3 Analysis Of Egypt’s Cards And Payments Industry Drivers
3.1 Infrastructure Drivers
3.1.1 Increasing Number Of Pos Terminals
3.1.2 Rising Number Of Internet Users
3.1.3 Increase In Smartphone Users Encouraged Mobile Payments
3.1.4 Growing Number Of Atms
3.2 Business Drivers
3.2.1 Rising Internet Retail
3.2.2 Cash-based Economy Shifting To E-money
3.2.3 Growing Payment Infrastructure
3.3 Other Growth Drivers
3.3.1 Urban Vs. Rural Population
3.3.2 Rising Consumer Confidence
3.3.3 Changing Lifestyles And Spending Habits
3.4 Card Fraud Statistics
3.5 Regulatory Framework
4 Emerging Consumer Attitudes And Trends
4.1 Market Segmentation And Targeting
4.1.1 Retail Customers
Emerging Opportunities in Egypts Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Lan

3. 4.1.2 Corporate Customers
4.2 Consumer Preference
4.2.1 Price
4.2.2 Service
4.2.3 Convenience
5 Competitive Landscape And Industry Dynamics
5.1 Industry Share Analysis By Payment Channels
5.1.1 Overview Of Payment Channels
5.1.2 Credit Transfers
5.1.3 Card Payments
5.1.4 Check Payments
5.2 Debit Cards Category Share
5.2.1 By Bank
5.2.2 By Scheme
5.3 Credit Cards Category Share
5.3.1 By Bank
5.3.2 By Scheme
6 Strategies Adopted By Key Operators
6.1 Market Entry Strategies
6.1.1 Case Studies
6.2 Marketing / Product Strategy
6.2.1 Debit Cards
6.2.2 Credit Cards
6.2.3 Prepaid Cards
6.3 Pricing Strategies
7 Industry Size And Growth Potential Of Payments Card Industry
7.1 Industry Share Analysis By Type Of Card
7.2 Total Industry Size And Forecast Of Cards Industry
7.2.1 Analysis By Number Of Cards
7.2.2 Analysis By Transaction Value
7.2.3 Analysis By Transaction Volume
7.3 Debit Card Category Size And Forecast
7.3.1 Analysis By Number Of Cards
7.3.2 Analysis By Transaction Value
7.3.3 Analysis By Transaction Volume
7.3.4 Other Key Performance Indicators
7.4 Prepaid Card Category Size And Forecast
Emerging Opportunities in Egypts Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Lan

4. 7.4.1 Number Of Cards By Segment
7.4.2 Analysis By Transaction Value
7.5 Credit Card Category Size And Forecast
7.5.1 Analysis By Number Of Cards
7.5.2 Analysis By Transaction Value
7.5.3 Analysis By Number Of Transactions
7.5.4 Other Key Performance Indicators
8 Company Profiles, Products And Marketing Strategies
8.1 Banque Misr (s.a.e.)
8.1.1 Strategies
8.1.2 Debit Cards Offered
8.1.3 Credit Cards Offered
8.1.4 Prepaid Cards Offered
8.2 Commercial International Bank (cib)
8.2.1 Strategies
8.2.2 Credit Cards Offered
8.2.3 Prepaid Cards Offered
8.3 Hsbc Bank Egypt
8.3.1 Strategies
8.3.2 Credit Cards Offered
8.3.3 Debit Cards Offered
9 Appendix
9.1 Methodology
9.2 Contact Us
9.3 About Timetric
9.4 Disclaimer
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Emerging Opportunities in Egypts Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive Lan