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Brazil's Cards and Payments Industry - New Report Available

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2013-12-12 15:09:16 - Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

The Brazilian cards and payments industry grew during the review period (2008-2012) at a CAGR of 8.97%, to reach 540.7 million cards in circulation by the end of 2012. Changing lifestyle demographics, the increased popularity of online shopping and higher disposable income per capita supported growth of the number of cards in circulation. Consumer preferences are expected to change the card payments channel's dynamics over the forecast period. The Brazilian middle classes have an average age of 34 years and distinct preferences compared to traditional middle-class populations. Brazilian customers are also becoming increasingly averse to credit-fueled spending. These factors prompted the diversification of the market and contributed to the emergence and growth of the prepaid and charge card categories.

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Key Highlights

* The debit and credit card categories are mature and are expected to record nominal growth over the forecast period; the debit cards category is expected to post a CAGR of 2.64% and the credit cards category is expected to record a CAGR of 5.34% in volume terms.
* A key factor that encouraged the growth of the prepaid cards category is the government legislation that levied a 6.4% charge on all foreign transactions made through credit cards issued in Brazil. As prepaid cards are preloaded with Brazilian real, transactions made through them are treated as domestic payments and have a lower tax rate of 0.38%.
* The growth of the card payments channel will be driven by the growth of online commerce, tourism, new product offerings, retail sales volume and private-label cards. High internet penetration is expected to promote online commerce, which, in turn, is expected to drive growth in the card payments channel.
* EMV cards, NFC and contactless payments are expected to drive growth of the card payments channel. The launch of EMV cards in Brazil by Banco Santander in 2011 brought about a secure and internationally accepted credit and debit cards transaction system.


* This report provides a comprehensive analysis of Brazil's cards and payments industry
* It provides current values for Brazil's cards and payments industry for 2012 and forecast figures for 2017
* It details the different macroeconomic, infrastructural, consumer and business drivers affecting Brazil'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 Brazil's cards and payments industry

Reasons to Get this Report

* Make strategic business decisions using historic and forecast market data related to Brazil's cards and payments industry and each market within it
* Understand the key market trends and growth opportunities within Brazil's cards and payments industry
* Assess the competitive dynamics in Brazil's cards and payments industry
* Gain insights into the marketing strategies used for selling various types of cards in Brazil
* Gain insights into key regulations governing Brazil's cards and payments industry

Companies Mentioned in this Report: Banco Bradesco SA, Banco Santander (Brasil) SA, Banco do Brasil SA, HSBC Bank Brasil SA, Banco Votorantim SA, Cielo, Redecard, MasterCard, Visa, American Express, Diners Club

Partial 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 Internet penetration
2.1.4 Contactless technologies
2.1.5 Fingerprint-enabled biometric ATMs
2.1.6 Anti-skimming technology
2.2 Business Drivers
2.2.1 CBB efforts to discourage use of checks
2.2.2 Growth of online commerce
2.2.3 Growth of private-label cards
2.2.4 Retail sales volume
2.3 Economic Drivers
2.3.1 GDP per capita income
2.3.2 GDP growth
2.3.3 Easing inflationary pressure
2.3.4 Low unemployment
3 Cards and Payments Industry Share Analysis
3.1 Industry Overview
3.1.1 Cash
3.1.2 Checks
3.1.3 Direct debits
3.1.4 Credit transfers
3.1.5 Cards
4 Regulatory Framework and Card Fraud Statistics
4.1 Regulatory Framework
4.1.1 Foreign direct investment (FDI) regulation
4.2 Card Fraud Statistics
4.2.1 Card-not-present
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 Market Segmentation and Targeting
5.1.1 Retail segment
5.1.2 Corporate segment
5.2 Travel and Tourism Spending
5.2.1 Outbound tourists 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 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 Volume 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
7.1.2 Analysis by transaction value
7.1.3 Analysis by transaction volume
7.2 Transaction Share Analysis by Channel
7.2.1 Analysis by transaction value
7.2.2 Analysis by transaction volume
7.3 Personal Credit Cards Size and Forecast
7.3.1 Analysis by volume of cards in circulation
7.3.2 Analysis by transaction value
7.3.3 Analysis by transaction volume
7.4 Commercial Credit Cards Size and Forecast
7.4.1 Analysis by number of cards in circulation
7.4.2 Analysis by transaction value

Full Table of Contents is available at:

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