Chinas Cards and Payments Industry: Market Research Report

Chinas Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

Synopsis
The report provides top-level market analysis, information and insights on China’s cards and payments industry, including:
Current and forecast values for each category of China’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
China’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 buying preferences for cards The competitive landscape of
China’s cards and payments industry
Executive summary
During the review period (2008–2012), the Chinese card payments channel registered a CAGR of 18.42%, representing 3.9 billion cards in circulation in
2012. The channel is expected to post a forecast-period (2013–2017) CAGR of 8.06% to reach 6.1 billion cards in circulation by 2017. Changing lifestyle
demographics, the popularity of online shopping and higher disposable incomes per capita supported the growth of the volume of cards in circulation. The
Chinese card payments channel grew substantially both in volume and value terms during the review period. In terms of number of cards in circulation, the
channel grew at a robust pace from 2.0 billion cards in 2008 to 3.9 billion cards in 2012, at a CAGR of 18.42%. Debit card category remained the largest category
accounted for 82.3% of the category market share in 2012 and recorded a CAGR of 17.89% during the review period. Over the forecast period, total card volume
is expected to grow at a CAGR of 8.06% to reach 6.1 billion cards by the end of 2017. In terms of transactions value, the Chinese card payments channel grew
CNY9.6 trillion (US$1.4 trillion) in 2008 to CNY36.9 trillion (US$5.8 trillion) in 2012, at a CAGR of 40.15%. It is expected to grow at a CAGR of 13.96% over
the forecast period from CNY46.0 trillion (US$7.3 trillion) in 2013 to CNY77.5 trillion (US$12.2 trillion) in 2017.
Scope
This report provides a comprehensive analysis of China’s cards and payments industry.
It provides the current values for China’s cards and payments industry for 2012, and forecast figures for 2017. It details the different economic,
infrastructural, consumer and business drivers affecting China’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 China’s cards and payments industry.
Reasons to buy
Make strategic business decisions using top-level historic and forecast market data related to China’s cards and payments industry and each market
within it. Understand the key market trends and growth opportunities within China’s cards and payments industry. Assess the competitive dynamics in
China’s cards and payments industry. Gain insights into the marketing strategies used for selling various card types in China. Gain insights into key
regulations governing China’s cards and payment industry.
Key highlights
The Chinese card payments channel grew substantially both in volume and value terms during the review period. In terms of number of cards in circulation, the
channel grew at a robust pace from 2.0 billion cards in 2008 to 3.9 billion cards in 2012, at a CAGR of 18.42%. Debit cards remained the largest category,
accounting for 82.3% of the channel in 2012 and recording a CAGR of 17.89% during the review period. Over the forecast period, total card volume is expected
to grow at a CAGR of 8.06% to reach 6.1 billion cards by the end of 2017. Changing lifestyle demographics, the popularity of online shopping and higher
disposable incomes per capita supported the growth of the volume of cards in circulation. China has an established online-commerce infrastructure. Domestic
sites such as Taobao, tuan800 and 360 buy have outperformed international competitors such as ebay and Amazon. High internet penetration rates and the
availability of online payment infrastructure have encouraged consumers to spend online. The Chinese credit card category is expected to attract more foreign
competitors over the forecast period. Foreign banks were not permitted to issue their own credit cards until 2012, and could only circulate co-branded cards in
collaboration with a Chinese counterpart. However, Citibank has been granted the first stand-alone license to deal credit cards in the Chinese market. Foreign
banks will have to apply to, and be approved by, the regulatory authorities if they wish to do the same.
table Of Contents

1 Executive Summary

2 Analysis Of Industry Environment, Key Trends And Drivers
2.1 Payment Infrastructure And Emerging Technologies
2.1.1 Atms
2.1.2 Pos Terminals
2.1.3 Enhanced Security Measures On Card Products
2.1.4 Internet Penetration
2.1.5 Network Related Drivers
2.2 Business Drivers
2.2.1 Growth Of Remittances
2.2.2 Retail Sector Dynamics
2.2.3 Growth Of Gift Cards And Closed-loop Cards
2.2.4 Online Commerce Growth
2.2.5 Growth Of Luxury Expenditure
2.3 Economic Drivers
2.3.1 Gdp
2.3.2 Gdp Per Capita
2.3.3 Low Unemployment Rate


3 Cards And Payments Industry Share Analysis
3.1 Overview Of The Cards And Payments Industry
3.1.1 Cash
3.1.2 Checks
3.1.3 Card Payments
3.1.4 Credit Transfer

4 Regulatory Framework And Card Fraud Statistics
4.1 Regulatory Framework
4.1.1 Cup’s Payment Guidelines
4.1.2 Anti-money Laundering Regulations Legislation
4.1.3 Foreign Direct Investment (fdi) Regulations
4.2 Card Fraud Statistics
4.2.1 Card-not-present Fraud
4.2.2 Counterfeit Cards
4.2.3 Cards Lost Or Stolen
4.2.4 Card Id Theft

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 Volume
5.2.2 Outbound Tourist Spending
5.3 Retail Card Spending
5.3.1 Analysis By Product Categories
5.3.2 Analysis By Retail Channels

6 Analysis Of Card Payments Channel 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 Volume Of Cards In Circulation
7.1.3 Analysis By Transaction Volume
7.2 Transaction Share Analysis By Channel
7.3 Personal Credit Cards Size And Forecast
7.4 Commercial Credit Cards Sub-category Size And Forecast
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

8.3.2 Issuer Share Analysis

9 Analysis Of Charge Card Payments And Growth Prospects
9.3 Personal Charge Cards Segment Size And Forecast
9.4 Commercial Charge Cards Sub-category Size And Forecast

10 Analysis Of Prepaid Card Payments And Growth Prospects
10.2 Open-loop Prepaid Cards Segment Size And Forecast
10.3 Closed-loop Prepaid Cards Segment Size And Forecast

11 Merchant Acquiring
11.1 Merchant Acquirers

12 Company Profiles Of Card Issuers
12.1 Shanghai Rural Commercial Bank (srcb)
12.1.1 Key Financials
12.1.2 Card Portfolio
12.1.3 Strategies
12.2 Bank Of China (boc)
12.2.3 Strategies
12.3 Industrial And Commercial Bank Of China Limited (icbc)
12.3.3 Strategies
12.4 Agricultural Bank Of China
12.4.3 Strategies
12.5 Citibank (china) Co., Ltd
12.5.3 Strategies

13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric

13.4 Timetric’s Services
13.5 Definitions
13.6 Disclaimer
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