Norways cards and payments industry exhibited nominal growth during the review period (2008 - 2012), increasing at a CAGR of 3.97%, from 15.34 million cards in 2008 to 17.9 million cards in 2012. Over the forecast period, the industry is forecast to register further growth with a CAGR of 1.33%, rising from 18.3 million cards in 2013 to 19.3 million cards in 2017. A high internet penetration in Norway is changing consumers preferences for online shopping. According to an e-commerce survey in the country by DIBS Payment Services, a supplier of functional, secure payment services for e-commerce in the Nordic region in 2012, home-electronics recorded a 51% share of online purchases, while books and clothing/footwear emerged as prospective runner-ups, each with a 30% share of online purchases in 2011.

1. Emerging Opportunities in Norways Cards and Payments Industry: Market Size, Trends and Drivers,
Strategies, Products and Competitive Landscape
Synopsis
The report provides market analysis, information and insights into Norways cards and payments market,
including:
Current and forecast values for each category of Norways cards and payments industry including debit
cards, credit cards, prepaid cards and charge cards Comprehensive analysis of the industrys market
attractiveness and future growth areas Analysis of various market drivers and regulations governing Norways
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 Norways cards and
payments industry
Summary
Norways cards and payments industry exhibited nominal growth during the review period (2008 - 2012),
increasing at a CAGR of 3.97%, from 15.34 million cards in 2008 to 17.9 million cards in 2012. Over the
forecast period, the industry is forecast to register further growth with a CAGR of 1.33%, rising from 18.3
million cards in 2013 to 19.3 million cards in 2017. A high internet penetration in Norway is changing
consumers preferences for online shopping. According to an e-commerce survey in the country by DIBS
Payment Services, a supplier of functional, secure payment services for e-commerce in the Nordic region in
2012, home-electronics recorded a 51% share of online purchases, while books and clothing/footwear emerged
as prospective runner-ups, each with a 30% share of online purchases in 2011. Norwegians spent a total of
EUR3 billion (US$4.2 billion) on a variety of products online in 2011. In January 2013, the countrys retail
sales, excluding motor vehicles and petrol stations, recorded a monthly growth of 1.2% and an annual growth
of 2.7%. Sales of furniture, domestic electric appliances and building materials contributed the most to the
increase from December 2012 to January 2013. The major driving factor was consumer spending, which
increased from NOK289.5 billion (US$49.8 billion) in the third quarter of 2012 to NOK290.3 billion
(US$49.9 billion) in the fourth quarter of the same year.
Scope
This report provides a comprehensive analysis of Norways cards and payments industry
It provides current values for Norways cards and payments industry for 2012 and forecast figures for 2017 It
details the different macroeconomic, infrastructural, consumer and business drivers affecting Norways 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 Norways cards and
Emerging Opportunities in Norways Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive La

2. payments industry
Reasons To Buy
Make strategic business decisions using historic and forecast market data related to Norways cards and
payments industry and each market within it Understand the key market trends and growth opportunities
within Norways cards and payments industry Assess the competitive dynamics in Norways cards and
payments industry Gain insights into the marketing strategies used for selling various types of cards in
Norway Gain insights into key regulations governing Norways cards and payments industry
Key Highlights
Norways cards and payments industry exhibited nominal growth during the review period (2008 - 2012),
increasing at a CAGR of 3.97%, from 15.34 million cards in 2008 to 17.9 million cards in 2012. Over the
forecast period, the industry is forecast to register further growth with a CAGR of 1.33%, rising from 18.3
million cards in 2013 to 19.3 million cards in 2017. In Europe, both Norway and Iceland have the highest
ranking in internet usage, followed by Sweden and Denmark. As of December 2012, the total number of
internet users in Norway was recorded at 4.9 million people, an increase of 4.9% over 2011. The younger
generation is a considerable and growing target group in terms of card spending. Notably, in 2013, 1.2 million
people fell under the age bracket of 10 - 29 years, representing 25.7% of the total Norways population. DNB
Nor ASA was the leading bank in terms of debit card issuance volume in 2011, accounting for 35.4% of the
total volume of debit cards in 2011. Other key operatives in the category were Nordea and SpareBank 1
Nord-Norge, which accounted for industry shares of 8.0% and 2.1% respectively in 2011.
table Of Content
1 Executive Summary
2 Market Attractiveness And Future Prospects Of Cards And Payments Industry
3 Analysis Of Country Cards And Payments Industry Drivers
3.1 Infrastructure Drivers
3.1.1 Smart Card Readers And Terminals For E-ticketing System
3.1.2 Increasing Number Of Pos Terminals
3.1.3 Rising Number Of Internet Users
3.2 Business Drivers
3.2.1 E-commerce Market Dynamics
3.2.2 Growing Retail Sales
3.2.3 Outbound Tourism Growth
3.3 Other Growth Drivers
3.3.1 Strong Employment Growth
3.3.2 Urban Vs. Rural Population
Emerging Opportunities in Norways Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive La

3. 3.3.3 Increasing Consumer Confidence
3.4 Card Fraud Statistics
3.5 Regulatory Framework
3.5.1 Sepa Cards Framework
4 Emerging Consumer Attitudes And Trends
4.1 Market Segmentation And Targeting
4.1.1 Retail Customers
4.1.2 Corporate Sector
4.2 Consumer Preference
4.2.1 Price
4.2.2 Service
4.2.3 Convenience
4.3 Preferred Payment Methods
5 Competitive Landscape And Industry Dynamics
5.1 Market Share Analysis By Payment Channels
5.1.1 Cash
5.1.2 Credit Transfers
5.1.3 Direct Debit
5.1.4 Card Payments
5.1.5 Checks
5.2 Debit Card Market Share
5.3 Credit Card Market Share
5.3.1 By Bank
5.3.2 By Scheme
5.4 Charge Cards Market Share
6 Strategies Adopted By Key Players
6.1 Market Entry Strategies
6.1.1 Case Study
6.2 Marketing/product Strategies
6.2.1 Credit Cards
6.3 Pricing Strategies
7 Market Size And Growth Potential Of Payment Card Industry
7.1 Market Share Analysis By Type Of Card
7.2 Total Market Size And Forecast Of Card Industry
7.2.1 Analysis By Number Of Cards
Emerging Opportunities in Norways Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive La

4. 7.2.2 Analysis By Transaction Value
7.2.3 Analysis Transaction Volume
7.3 Debit Card Market Size And Forecast
7.3.1 Analysis By Number Of Cards
7.3.2 Analysis By Transaction Value
7.3.3 Analysis By Volume
7.3.4 Other Key Performance Indicators
7.4 Prepaid Card Market Size And Forecast
7.4.1 Analysis By Number Of Cards
7.4.2 Analysis By Transaction Value
7.5 Charge Card Market Size And Forecast
7.5.1 Analysis By Number Of Cards
7.5.2 Analysis By Transaction Value
7.5.3 Analysis By Transaction Volume
7.5.4 Analysis By Frequency Of Use
7.6 Credit Card Market Size And Forecast
7.6.1 Analysis By Number Of Cards
7.6.2 Analysis By Transaction Value
7.6.3 Analysis By Transaction Volume
7.6.4 Other Key Performance Indicators
8 Company Profiles, Products And Marketing Strategies
8.1 Sparebank 1sr-bank
8.1.1 Strategies
8.1.2 Credit Cards Offered
8.2 Sparebanken Vest
8.2.1 Strategies
8.2.2 Debit Cards Offered
8.2.3 Credit Cards Offered
8.2.4 Prepaid Card Offered
8.3 Bn Bank
8.3.1 Cards Offered
9 Appendix
9.1 Methodology
9.2 Contact Us
9.3 About Timetric
9.4 Disclaimer
About Us:
Emerging Opportunities in Norways Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive La

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Emerging Opportunities in Norways Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive La