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Global Debit Cards Industry

Published on October 2010

Report Summary

This report analyzes the worldwide markets for number of Debit Cards in Use (Million Units). The report provides separate

comprehensive analytics for the US, Canada, Japan, Europe, Asia-Pacific, Latin America, and Rest of World. Annual estimates and

forecasts are provided for the period 2009 through 2015. A six-year historic analysis is also provided for these markets. The report

profiles 171 companies including many key and niche players. Major debit card issuers profiled in the report include Bank of America

Corporation, Barclays Bank Plc, China Merchants Bank Co., Ltd, Citigroup, Inc., Citibank Inc., Crédit Agricole S.A, Deutsche Bank

AG, HSBC Bank plc, ICICI Bank ltd., ING Group N.V., JCB Co., Ltd., JPMorgan Chase & Co., Laser Card Services Ltd., Lloyds

Banking Group PLC, The Royal Bank of Scotland Group Plc, S2 Card Services Ltd., State Bank of India, Wells Fargo & Company,

and Wachovia Corporation. EFT Networks/Card Processing Companies also discussed in the report include Atos Worldline SA, First

Data Corporation, STAR® Networks, Inc., Fidelity National Information Services, Inc., MasterCard Incorporated, NYCE Payments

Network, LLC, PULSE EFT Association, Inc., SIA-SSB S.p.A., Visa, Inc., and Visa U.S.A., Inc. Market data and analytics are derived

from primary and secondary research. Company profiles are mostly extracted from URL research and reported select online sources.

Table of Content

DEBIT CARDS MCP-1699

A GLOBAL STRATEGIC BUSINESS REPORT

CONTENTS

1. INTRODUCTION, METHODOLOGY & PRODUCT DEFINITIONS 1

Study Reliability and Reporting Limitations 1

Disclaimers 2

Data Interpretation & Reporting Level 3

Quantitative Techniques & Analytics 3

Product Definitions and Scope of Study 3

Debit Card 3

Prepaid Debit Cards 3

Online or PIN Debit Cards 4

Offline or Signature Debit Cards 4

2. INDUSTRY OVERVIEW 5

Payment Cards Industry - An Overview 5

Impact of Recession of Payment Cards Market 5

Technological Innovations Drive Card Transactions 6

Cards Replace Cash and Paper Transactions 6

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Debit Cards - A Convenient Cash-Less Payment System 6

Growth Drivers 6

Market Restraints 7

Current and Future Analysis 7

3. MARKET DYNAMICS 8

Small Value Transactions to Drive Growth in Debit Cards Arena 8

Debit Card - A Tool for Controlling Expenditure 8

Asia-Pacific Drives Global Debit Card Use 8

Growing Use of Cards for Payment of Recurring Bills 8

Card Companies Focus on Select Consumer Segments 8

Card Associations Intensify Campaign for Prepaid Cards 9

Fraud Facilitates Development of New Technologies 9

Debit Card Use Rises During Holiday Season 9

Technology to Overcome Inadequacies in Infrastructure 10

Non-Banking Agencies to Counter the Dominance of Associations 10

Debit Cards for New Mobile Payment System 10

4. MAJOR ISSUES INFLUENCING DEBIT CARDS MARKET 11

Interchange Fee - A Contentious issue 11

Visa and MasterCard Face Legal Implications 11

Security - A Key Concern for Issuing Banks 11

SEPA Set to Restructure Debit Cards Payment System in EU 11

Absence of Debit Interchange Programs Affects European Income

Levels 12

Alternative Online Payment Modes - A Threat to Debit Cards 12

Merchant Resistance Obstructs Debit Card Adoption 12

Rising Fraud in PIN Debit Transactions Worries Consumers 13

Expensive Overdraft Fees Raises Concern 13

5. PRODUCT OVERVIEW 14

Debit Cards - A Conceptual Definition 14

Debit Cards in Force Across the World 14

Debit Card - A Commodity Product 15

Debit Card Penetration & Activation 15

Authorization Hold - Saving Retailers from Risk 15

Electronic Funds Transfer Point of Sale (EFTPOS) 16

Transaction Processing in Debit Cards 16

Process Flow for Online Debit Transactions 17

Process Flow in Signature Debit Transactions 18

Electronic Funds Transfer Networks (EFT) Networks 19

Visa & MasterCard - Principal Global Debit Brands 19

Reward Programs Gain Popularity 19

Prepaid Bank Debit Cards 20

Prepaid or Stored Value Card 20

Common Applications of Prepaid Debit Cards 20

Transfer of Funds 20

Retail Debit Cards 21

Payroll Debit Cards 21

Health Debit Cards 21







Prepaid Cards - Challenges & Opportunities 21

Advantages of Debit Cards 22

Disadvantages of Debit Cards 22

6. TYPES OF DEBIT CARDS 23

Online or PIN Debit Cards 23

Offline or Signature Debit Cards 23

PIN Vs Signature Debit Transaction Fee 23

'Credit' and 'Debit' Purchases 24

PIN Faces Competition from Contactless and Signature-Less

Debit Transactions 24

Debit Cards for Telephone, Mail and Internet Transactions 25

Debit Cards As Stored Value Cards 25

7. CREDIT CARD VS DEBIT CARD 26

Comparative Review of Debit and Credit Card Functions 26

Processing Fee for Debit and Credit Cards 26

Interchange Fee 27

8. DEBIT CARD FRAUD 28

Fraud - An Inevitable Consequence of Rapid Growth 28

Dealing with Advancing Card Fraud Tactics 28

Major Tools Employed by Card Issuers for Fighting Debit Card

Fraud 29

Basic Fraud Prevention Tools for Debit Cards 29

Additional Fraud Prevention Technologies/Tools 30

Rising Card Fraud Losses - A Major Concern for Card Issuers 30

Consumer Apathy Hampers Implementation of Card Fraud Measures 31

Financial & Infrastructure Constraints Plague Card Fraud

Control Implementation 31

Debit Card Fraud Losses 31

Card Fraud Losses in North America 31

Card Fraud Losses in Europe 31

Table 1: Global Debit Card Fraud Losses (2008): Percentage

Breakdown of Fraud Loss Value by Region/Country for North

America, Latin America, Europe, Middle East & Africa, and

Asia-Pacific (includes corresponding Graph/Chart) 32

9. RECENT INDUSTRY ACTIVITY 33

CPI Card Group Acquires Certain Assets of Premier Card Solutions 33

STAR® Network and SunTrust Ink Exclusive Agreement 33

SIB Inks Strategic Agreement with MasterCard 33

Alaska Options® Inks Marketing Agreement with Total System

Services 33

SBI Enters into Joint Venture with Visa and Elavon 34

DPT Enters into Partnership with PXT Payments 34

Veritec Signs Marketing Agreement with PreVay 34

Wells Fargo Merges with Wachovia 35

EBRD Purchases Interest in Millikart 35

RBS WorldPay to Process Debit Cards of National Payment Card 35







Veritec and Cities in Touch in Memorandum of Agreement 35

Veritec and Security First Bank Ink License and Maintenance

Agreement 36

ICICI Bank and Visa Sign Agreement 36

Urban Trust Bank Signs Multi-Year Agreement with Visa 36

Tempo Forms Strategic Alliance with First Bank & Trust 36

10. CORPORATE ACTIVITY IN THE RECENT PAST - A PERSPECTIVE BUILDER 37

MasterCard Europe and Europay France to Merge 37

Visa and Yalamanchili Enter into Joint Venture 37

Intuit Takes Over Electronic Clearing House 37

NetSpend to Merge with Skylight Financial 37

RapidAdvance Purchases Merchant Cash Express 38

Neovia Financial Takes Over IDT Financial Services Holdings 38

M2 Global Takes Over iKobo 38

Pacific Financial Solutions Merges with EZ CARD & KIOSK 39

State Bank of India to Merge with State Bank of Saurashtra 39

Evolution Benefits to Buy Assets of Motivano's SmartFlex Business 39

3PEA International Takes Over Wow Technologies 39

Rechargeplus Global and eCommLink Enter into Alliance 40

Harris and NYCE Payments Renew Contract 40

eCommLink Enters into Partnership with Monitise Americas 40

Visa Signs Regional Agreements with HSBC 41

Oasis Online Technologies and SVC Sign Revenue Sharing Agreement 41

Club Vivanet and Expert Financial Systems Sign Processing

Services Agreement 41

Evolutions Benefits to License Patented Technology to Humana 42

NetSpend Corporation Signs Agreement with QC Financial 42

IBC Bank Signs Agreement with Visa 42

First Data Inks Multi-Year Contract with Wells Fargo Bank 42

First Data and Unicard Sign Agreement 42

First Data and Cadooz Ink Agreement 43

Metavante Adds Integrated Health Savings Account Solutions 43

Marshall & Ilsey Bank Chooses NYCE Payments Network 43

FNDS3000 Signs Agreement with Australis Financial Services 44

National City and Visa Renew Brand Agreement 44

BB&T Renews Partnership Agreement with Visa 44

U.S. Bank and Visa Renew Partnership Agreement 44

JP Morgan Chase Purchases Washington Mutual's Banking Operations 44

Washington Mutual Signs Agreement with Cardtronics 44

Corporation Bank Teams Up with J.P. Morgan Chase 45

Société Générale, Royal Bank of Scotland, HDFC and United

Overseas Bank Join Forces 45

JPMorgan Receives Task Order from U.S. Department of Commerce 45

Deutsche Bank to Extend Cash Management Product Array 46

NASA Selects JPMorgan Chase 46

U.S. DOT Chooses JPMorgan Chase for Travel Card Program 46

YES Bank to Collaborate with J.P. Morgan 46

Heartland Payment Systems Takes Over Chockstone 46

M2 Global Signs Agreement with FirstPay 47







Sentinel Financial Group Enters into Partnership with

Evolution Benefits 47

China UnionPay Data Services Signs Agreement with Citi China 47

PaySpot Inks Agreement with Futura Card Services 47

Heartland Payment Systems Acquires Network Services Business

of Alliance Data 48

Metavante Acquires Nomad Payments 48

Fortress Financial Takes Over Moneyworx 48

Hertford to Deliver CrewCard Debit Cards 48

Net Spend and Capital One in Strategic Partnership 48

InComm and nFinanSe in Distribution Agreement 49

Serverside and PayJr Develop Program to Issue Customized Visa

Debit Cards 49

Capital One and NetSpend Team Up for Reloadable Prepaid Debit

Card 49

Interac Certifies Gemalto for Supply of EMV Compliant Debit Cards 50

Citibank and East Asia Bank Seek Approval for Selling Debit

Cards in China 50

German Sparda Chooses MasterCard's Maestro Debit Plan 50

CCSI and Bone Thugs-N-Harmony Enter into Agreement 51

3PEA Forays into Prepaid Debit Cards Arena 51

eCommLink Partners with First Bank & Trust 51

Five Banks to Introduce Visa V Pay Chip-and-PIN-only Debit

Cards in Italy 51

Tempo Payments Inks Agreement With Fiserv EFT 52

No Borders Pens Pact with Corregidora Global Group to

Distribute Debit Cards 52

First Data Renews Agreement with LaSalle Bank & Golden 1

Credit Union 52

Atos Origin Acquires Banksys 53

Card Express Enters into Agreement with Eight Pemco

Technologies Customers 53

Alpine Bank Acquires Saylent Technologies Inc's Y-Debit Solution 53

GTREX Capital Partners with XpressDebit for its Debit Card

Program 53

PayAllNow Selects Altair as a Preferred Debit Card Issuer for

European Payroll Market 54

SHPS, First Data & UMB Bank Team Up to Offer Debit Card 54

Global Financial Exchange Sets Up New Company with MGT 54

Fifth Third Expands Service Offerings by Acquiring CMC 55

LIC Partners with UTI to Provide Annuity Debit Cards 55

Soooogood Financial Services Inks Agreement to Distribute

Stored Value Debit Card 55

11. PRODUCT INTRODUCTIONS/INNOVATIONS 56

Ghana International Bank Unveils MasterCard Debit Card 56

UBL Ameen Introduces Visa Debit Card 56

PXT Introduces Smart Debit Card 56

SBI Unveils Platinum Debit Card 56

SoundBite Introduces Debit Card Overdraft Opt-In Solution 57







Barclays to Introduce Contactless Debit Cards 57

Hang Seng Bank Unveils RMB Debit Cards 57

nFinanSe Introduces Reloadable Prepaid Debit Card 57

Citibank and X5 Retail to Unveil Co-Branded Credit and Debit Card 58

nFinanSe to Launch Visa Prepaid Debit Card 58

Winn-Dixie and NetSpend Launches Prepaid Visa® Debit Card in

New Orleans 58

Tempo Payments Launches Web-Based Platform 58

MasterCard Unveils Money Manager 58

CMFIL to Introduce Prepaid Debit Cards in India 59

Meezan Bank Unveils Visa Debit Card 59

RCBC Introduces MyWallet MRT Card 59

Federal Bank Unveils Visa Debit Cards in Kochi 59

BoM Introduces Mahabank Insta International Visa Debit Card 59

BMI Bank Launches Chip-Enabled Visa Debit Card 60

Alinma Bank Introduces Visa Infinite Debit Card 60

Springbok Services to Launch Prepaid Debit Payroll Cards 60

Veritec Launches Mobile Debit Card Security Tool 60

Grupo Financiero Banamex Launches Platinum MasterCard Debit Card 60

JPMorgan Chase Introduces Chase Identity Protection Service 61

Bank of East Asia Introduces China UnionPay Debit Card 61

KeyBank Introduces MasterCard World Debit Contactless Card 61

Discover Financial Services Launch Reloadable Prepaid Debit Card 61

Taiwan's Chunghwa Post to Introduce Visa Debit Card Service 61

NetSpend and Winn-Dixie Launch Prepaid Reloadable Debit Card 62

First Internet Bank Launches Visa Contactless Debit Card 62

Doha Bank Unveils Visa Debit Platinum Card 62

12. PRODUCT INNOVATIONS/INTRODUCTIONS IN THE RECENT PAST -

A PERSPECTIVE BUILDER 63

Standard Chartered Bank Rolls Out Platinum Debit Card 63

HSBC Bank Unveils Debit Cards in China 63

Ecobank Nigeria Rolls Out Multi-Currency Debit Card 63

Bank of America Rolls Out Visa Debit Card 64

Bank Freedom Rolls Out Prepaid Debit Card 64

Malayan Banking Launches Maybankard Visa Debit Card 64

J.P. Morgan Introduces Workers Compensation Card 64

Nedbank Unveils Npay 65

SBI Introduces Debit Cards in Canada 65

Washington Mutual Introduces WaMu® Debit MasterCard® with

PayPass' 65

J.P. Morgan Introduces New Corporate Gold and Platinum Cards 65

Bankverein Werther and First Data to Introduce Prepaid Card 65

Citibank Introduces Citibank Visa Debit Card 66

Citibank Unveils Citibank Debit & ATM Cards 66

Citibank Unveils Renminbi Debit Card 66

Citibank Launches Emirates-Citibank Debit Card 67

Bank of Taiwan and Cosmos Bank Introduce Visa Debit Cards 67

Paychex Unveils Paychex FSA Debit Card 67

Citibank Unveils Co-Branded Debit Card 67







IDBI Rolls Out New International Debit MasterCard 68

Citibank and SMRT Introduce New Debit Card 68

Tempo & QuikTrip to Introduce Debit Card with Fuel Discount

Feature 68

Neteller Releases New Debit Cards in Asia and Europe 68

Guardian Launches Benny Prepaid MasterCard Debit Card 69

Murphy Oil to Introduce New Debit Cards 69

Sanlam Introduces Sanlam Liquid Debit Card 69

Halifax Launches First Visa Debit Card in Ireland 70

Indian Bank Introduces International Debit Card 70

Capital One to Launch New Debit Card 70

Barclays to Introduce Carbon Neutral Debit Card in the UK 71

MasterCard & Upromise Unveil New Rewards Program 71

MasterCard Offers Zero Liability Protection Program to US

Small Business Cards 71

MasterCard Introduces Counter-Fraud Solution for PIN Debit

Transactions 71

Axis Bank Introduces International Debit Card for Small &

Medium Enterprises 72

SBI to Introduce ATM-Cum-Debit Card Cash Back Scheme in Select

Cities 72

OPM Launches Debit Card for Procuring Healthcare Products on

Trial Basis 72

EDP Launches Elvis Presley Prepaid Visa® Card 72

Chase Introduces Visa-Branded 'Blink' Debit Cards 72

HDFC Launches Exclusive Debit Card for Women 73

Discover Financial Unveils New Discover® Signature Debit Card 73

Binghamton Introduces Giant EXTRA Plus Debit Card for its

Customers 73

VIB Unveils New VIB Values Debit Card 74

IBQ Rolls Out Debit Card for Middle East & North African Markets 74

Bulgaria FIB Introduces Visa Electron Debit Card for Online

Transactions 74

UniCredit Romania Unveils Visa Business Electron Debit Card 74

U.S. Bank & Cabela's Roll Out Debit Card with Rewards Program 74

TalkSport Introduces Pre-Pay Debit Card to Enter Financial

Services Market 75

Metavante Integrates BenSoft's RepayMe Solution into its

Healthcare Debit Card 75

Debitman Receives Patent for New Retailer Debit Card Network

Payment System 75

Dashen Introduces First Visa Electron Debit Card in Ethiopia 76

ANZ Introduces ANZ Everyday Visa Debit Card 76

RCBC Unveils Debit Card for Overseas Filipino Workers 76

DTB Forays into Card Business by Launching Open Visa Debit Card 76

Citibank Introduces Student Debit Scholarship Card Across Poland 76

NBB Rolls Out New MasterCard Debit Card Across Bahrain 77

QCSI Incorporates MyHealthBank Software into Benefits Debit Card 77

Visa Collaborates with Insurance Companies to Offer Debit Card 77

PNB and MasterCard Introduce PNB MasterCard Debit Card 77







Banamex Introduces New Toluca Co-Branded Debit Card 77

13. FOCUS ON SELECT PLAYERS 78

Debit Card Issuers 78

Bank of America Corporation (US) 78

Barclays Bank Plc (UK) 78

China Merchants Bank Co., Ltd (China) 78

Citigroup, Inc. (US) 79

Citibank, Inc. (US) 79

Crédit Agricole S.A (France) 79

Deutsche Bank AG (Germany) 80

HSBC Bank plc (UK) 80

ICICI Bank ltd (India) 80

ING Group N.V. (The Netherlands) 80

JCB Co., Ltd. (Japan) 81

JPMorgan Chase & Co. (US) 81

Laser Card Services Ltd. (Ireland) 82

Lloyds Banking Group PLC (UK) 82

The Royal Bank of Scotland Group Plc (UK) 82

S2 Card Services Ltd. (UK) 82

State Bank of India (India) 83

Wells Fargo & Company (US) 83

Wachovia Corporation (US) 83

EFT Networks/Card Processing Companies 84

Atos Worldline SA (France) 84

First Data Corporation (US) 84

STAR® Networks, Inc. 84

Fidelity National Information Services, Inc. (US) 84

MasterCard Incorporated (US) 85

NYCE Payments Network, LLC (US) 85

PULSE EFT Association, Inc. (US) 86

SIA-SSB S.p.A. (Italy) 86

Visa, Inc. (US) 86

Visa U.S.A., Inc. (US) 87

14. GLOBAL MARKET PERSPECTIVE 88

Table 2: World Recent Past, Current & Future Analysis for

Debit Cards by Geographic Region - US, Canada, Japan, Europe,

Asia-Pacific (excluding Japan), Latin America and Rest of

World Markets Independently Analyzed with Annual Number of

Cards in Use in Million for Years 2009 through 2015 (includes

corresponding Graph/Chart) 88

Table 3: World Historic Review for Debit Cards by Geographic

Region - US, Canada, Japan, Europe, Asia-Pacific (excluding

Japan), Latin America and Rest of World Markets Independently

Analyzed with Annual Number of Cards in Use in Million for

Years 2003 through 2008 (includes corresponding Graph/Chart) 89

Table 4: World 11-Year Perspective for Debit Cards by







Geographic Region - Percentage Breakdown by Cards in Use for

US, Canada, Japan, Europe, Asia-Pacific (excluding Japan),

Latin America and Rest of World Markets for Years 2005, 2010 &

2015 (includes corresponding Graph/Chart) 90

15. THE UNITED STATES 91

A.Market Analysis 91

Outlook 91

Debit Cards Market 91

A Preview 91

Debit Card Use: Unaffected by Economic Downturn 92

Debit Cards Market in 2009 - At a Glance 93

Reg E to Affect Issuers' Overdraft and Interchange Income 93

Rising Threat of Fraud 94

Preference for Cash Transactions Affects Card Usage 94

Recession Favors Visa & MasterCard 94

Factors Driving Growth of Debit Cards 94

Rewards & Prepaid Cards 94

Routine & Low-Value Transactions 95

Debit Card Transactions Witness Rapid Growth 95

Table 5: Payment Cards Market in the US (2009): Percentage

Share Breakdown of Transaction Value for Credit Cards, and

Debit and Prepaid Cards 95

Card Associations in the US 96

Visa & MasterCard - An Intense Battle 97

Online Vs Offline Debit Cards 97

Offline: The Dominant Debit Card Program 97

Table 6: Leading Networks in the US Signature Debit Market

(2007): Percentage Share Breakdown of Transaction Volume

for Visa and MasterCard 98

Table 7: Leading Issuers of Signature Debit Cards in the

US (2007): Percentage Share Breakdown of Transaction Value

for Bank of America, Wells Fargo, JP Morgan Chase,

Wachovia, Washington Mutual, U.S. Bank, Regions Bank,

Fifth Third, USAA Savings, and Others (includes


PIN Debit - Faster Growing Debit Program 99

Leaders in the PIN Debit Market 99

Table 8: Leading Players in the US PIN Debit Market

(2008): Percentage Share Breakdown of Purchase and Cash

Transactions for Visa, Star, Pulse, NYCE, Accel, and

Others (includes corresponding Graph/Chart) 100

Table 9: Leading Issuers of PIN Debit Cards in the US

(2007): Percentage Share Breakdown of Transaction Value

for Bank of America, Wells Fargo, Washington Mutual,

Wachovia, JP Morgan Chase, Regions Bank, U.S. Bank,

SunTrust, Citigroup, and Others (includes corresponding

Graph/Chart) 100







Comparative Analysis of Cost Per Transaction 100

Table 10: Cost Per Transaction for PIN Debit, Signature

Debit, and Credit Transactions in the US 101

Table 11: Network Pricing for Retail Transactions Using

PIN Debit Cards 101

Trends in Signature & PIN Debit Card Segments 101

Trends & Developments 102

Debit Cards - Replacing Cash Payments 102

Card Networks & Issuers Target Young Consumers 102

Women Debit Card Users on the Rise 102

Teen Prepaid Cards Growing Popular 103

Credit Unions Benefit from Growing Debit Card Usage 103

Government Agencies Slow to Adopt Debit Cards for

Disbursements 103

Card Issuers Capitalize on 'Back-to-School' Spending Period 103

Debit Cards in Natural Emergencies 104

Visa Provides E-Payment Facility in Theatres 104

Surging Use of MasterCard's PayPass Debit & Credit Cards 104

Debit Cards Erode Credit Cards Revenues 104

Rising Debt from Credit Cards Drives Use of Debit Cards 104

Major Challenges & Issues 105

Interchange Fee - A Major Challenge for Card Associations 105

Lack of Consensus on Revenues Hampers Revenue Generation 105

Multiplicity of Cards - A Major Obstacle for Consumers 105

Demographic Challenges Hurdle Rapid Adoption 105

'Bucket Spending' Limits Card Usage to Small-Value

Transactions 105

Security - A Key Concern for Issuing Banks 106

Debit Card Usage at Stores 106

Reward Programs for Debit Cards 106

Prepaid Debit Cards Gaining Popularity 107

Growth Opportunity Lures Card Networks 107

Prepaid Finds Use in Payments & Remittances 107

Restrictions on Interchange Fees - A Major Hurdle 108

Open Loop Prepaid Market - Growth Opportunities & Roadblocks 108

Rising Debit Card Fraud - A Key Concern for Card Participants 108

Table 12: US Payments Industry (2009): Percentage

Breakdown of Fraud Loss by Payment Type for Credit Card,

Check, Signature Debit, PIN Debit and ACH (includes


Contactless Technology Offer Enormous Growth Potential 110

Growing Penetration of Debit Cards Among Small Businesses 110

Rising Use of Debit Cards for Micro-Payments 110

Debit Cards for Healthcare Benefits Plan Administration 111

Growing Demand for Debit Cards in Healthcare Benefits

Administration Programs 111

Smart Medical Debit Cards Facilitate Faster Claim Settlements 111

Debit Cards Facilitate Faster and Secure Child Support Payments 112

Prepaid Debit Cards - Ideal for Benefits Payments 112







Payroll Debit Cards for Banked and Un-banked Employees 112

Card Companies Focus on Minority Communities 113

Debit Cards Used for Payment of Unemployment Benefits 113

Prepaid Debit Cards Market in the US 114

B.Market Analytics 114

Table 13: US Recent Past, Current & Future Analysis for

Debit Cards by Product Segment - Signature (Offline) and PIN

(Online) Markets Independently Analyzed with Annual Number

of Cards in Use in Million for Years 2009 through 2015

(includes corresponding Graph/Chart) 114

Table 14: US Historic Review for Debit Cards by Product

Segment - Signature (Offline) and PIN (Online) Markets

Independently Analyzed with Annual Number of Cards in Use in

Million for Years 2003 through 2008 (includes corresponding

Graph/Chart) 115

Table 15: US 11-Year Perspective for Debit Cards by Product

Segment - Percentage Breakdown by Cards in Use for Signature

(Offline) and PIN (Online) Markets for Years 2005, 2010 &

2015 115

Table 16: US Recent Past, Current & Future Analysis for

Debit Card by Product Segment - Signature (Offline) and PIN

(Online) Markets Independently Analyzed with Transaction

Volume in Billion for Years 2009 through 2015 (includes


Table 17: US Historic Review for Debit Card by Product

Segment - Signature (Offline) and PIN (Online) Markets

Independently Analyzed with Transaction Volume in Billion

for Years 2003 through 2008 (includes corresponding

Graph/Chart) 117

Table 18: US 11-Year Perspective for Debit Cards by Product

Segment - Percentage Breakdown by Transaction Volume for

Signature (Offline) and PIN (Online) Markets for Years 2005,

2010 & 2015 117

16. CANADA 118


Outlook 118

Payment Cards Market - An Overview 118

A Chronology of Select Technological Developments in

Canada's Financial Industry 118

IDP - Canada's National Debit Scheme 119

Tech-Savvy Consumers Facilitate Growth in Electronic

Payments Segment 119

Canada Promotes Use of Chip-Enabled Cards 119

Consumers Prefer PIN Debit Transactions 119








Table 19: Canada Recent Past, Current & Future Analysis for

Debit Cards Market Analyzed with Annual Number of Cards in

Use in Million for Years 2009 through 2015 (includes


Table 20: Canada Historic Review for Debit Cards Market



17. JAPAN 121


Outlook 121

Payments Cards in Japan - An Overview 121

A Historical Perspective 121

Debit Cards System in Japan 122

Card Associations in Japan 122

Online Processing Dominates Debit Card Processing Scenario 122


Table 21: Japanese Recent Past, Current & Future Analysis

for Debit Cards Market Analyzed with Annual Number of Cards

in Use in Million for Years 2009 through 2015 (includes


Table 22: Japanese Historic Review for Debit Cards Market



18. EUROPE 124


Outlook 124

Banking Facilities in Europe 124

Central and Eastern Europe (CEE) Region 124

Cards Replace Cash and Paper Transactions 125

Payments Cards Address Needs of Un-Banked Population 125

Focus on Prepaid Cards 125

Single Euro Payments Area (SEPA) Takes Shape in Europe 126

Rationale Behind SEPA 126

What is SEPA' 126

Major Highlights of SEPA 126


Table 23: European Recent Past, Current and Future Analysis

for Debit Cards by Geographic Region - France, Germany,

Italy, UK, Spain, Russia and Rest of Europe Markets


Million Years 2009 through 2015 (includes corresponding

Graph/Chart) 127

Table 24: European Historic Review for Debit Cards by

Geographic Region - France, Germany, Italy, UK, Spain,







Russia and Rest of Europe Markets Independently Analyzed

with Annual Number of Cards in Use in Million Years 2003

through 2008 (includes corresponding Graph/Chart) 128

Table 25: European 11-Year Perspective for Debit Cards by

Geographic Region - Percentage Breakdown by Cards in Use for

France, Germany, Italy, UK, Spain, Russia and Rest of Europe

Markets for Years 2005, 2010 & 2015 (includes corresponding

Graph/Chart) 129

18a. FRANCE 130


Outlook 130

Payment Cards Market in France - An Overview 130

Debit Cards in France 130

Carte Bleue - The National Debit Card Scheme 130


Table 26: French Recent Past, Current & Future Analysis for




Table 27: French Historic Review for Debit Cards Market



18b. GERMANY 132


Outlook 132

An Overview of the German Payment Cards Market 132


Table 28: German Recent Past, Current & Future Analysis for




Table 29: German Historic Review for Debit Cards Market



18c. ITALY 134


Outlook 134

Payment Cards Market - An Insight 134

Table 30: Italian Payment Cards Market (2008): Percentage

Breakdown of Transaction Volume for Credit and Debit Cards 134

Payment Network 134

MasterCard Vs Visa 134


Table 31: Italian Recent Past, Current & Future Analysis for










Table 32: Italian Historic Review for Debit Cards Market



18d. UNITED KINGDOM 136


Outlook 136

Impact of Recession 136

Payments Market - An Overview 136

At a Glance 137

Table 33: Payment Cards Market in the UK (2006- 2009):

Percentage Share Breakdown of Purchase Value for Credit

Cards, Charge Cards, and Debit Cards (includes


Table 34: Frequency of Payment Card Used (2009): Breakdown

for Credit Card, Charge Card, and Debit Card (includes


Debit Cards Outshine Credit Cards 138

Table 35: Debit Card Schemes in the UK (2006-2009):

Percentage Share Breakdown of Transaction Value for Visa,

Electron, Maestro, and Others (includes corresponding

Graph/Chart) 139

Card Associations in the UK 139

Chip & PIN Technology Lowers Card Fraud Losses 140

Growing Demand for Prepaid Cards 140

Open-Loop Prepaid Cards Market 140

UK Introduces Contactless Cards for Low-Value Transactions 141


Table 36: UK Recent Past, Current & Future Analysis for




Table 37: UK Historic Review for Debit Cards Market Analyzed

with Annual Number of Cards in Use in Million for Years 2003


18e. SPAIN 143


Outlook 143

Overview of Spanish Payment Cards Market 143


Table 38: Spanish Recent Past, Current & Future Analysis for










Table 39: Spanish Historic Review for Debit Cards Market



18f. RUSSIA 145


Outlook 145

Debit Card Usage Grows 145


Table 40: Russian Recent Past, Current & Future Analysis for




Table 41: Russian Historic Review for Debit Cards Market



18g. REST OF EUROPE 147


Outlook 147

Payment Cards Set for Rapid Growth in Central Europe 147

Select Regional Markets - An Overview 147

Belgium 147

Mobile Phones As Debit Cards 147

Finland 148

Greece 148

Ireland 148

Overview 148

Laser - The National Debit Card Scheme 148

Declining Share of Check-Based Payments 149

Portugal 149

The Netherlands 149

Turkey 150

An Insight into Turkish Payment Cards Market 150

Credit Cards Hold Sway in Turkish Payments Market 150

Advanced Infrastructure Facilities to Drive Cards Market 150


Table 42: Rest of Europe Recent Past, Current & Future

Analysis for Debit Cards Market Analyzed with Annual Number

of Cards in Use in Million for Years 2009 through 2015

(includes corresponding Graph/Chart) 151

Table 43: Rest of Europe Historic Review for Debit Cards

Market Analyzed with Annual Number of Cards in Use in

Million for Years 2003 through 2008 (includes corresponding

Graph/Chart) 151







19. ASIA-PACIFIC 152


Outlook 152


Table 44: Asia-Pacific Recent Past, Current and Future

Analysis for Debit Cards by Geographic Region - Australia,

China, India, Singapore and Rest of Asia-Pacific Markets


Million Years 2009 through 2015 (includes corresponding

Graph/Chart) 152

Table 45: Asia-Pacific Historic Review for Debit Cards by

Geographic Region - Australia, China, India, Singapore and

Rest of Asia-Pacific Markets Independently Analyzed with

Annual Number of Cards in Use in Million for Years 2003


Table 46: Asia-Pacific 11-Year Perspective for Debit Cards

by Geographic Region - Percentage Breakdown by Cards in Use

for Australia, China, India, Singapore and Rest of

Asia-Pacific Markets for Years 2005, 2010 & 2015 (includes


19a. AUSTRALIA 155


Outlook 155

Overview 155

EMV Compliance & Technological Advancements Hold Key to Growth 155

RBA Introduces New Regulations for Payment Cards Industry 155

Debit Cards in Australia 155

Recession Fosters Debit Card Use 156

Table 47: Payment Modes in Australia (2008): Percentage

Share Breakdown of Transaction Value for Credit Cards,

Debit Cards, and Cash and Checks (includes corresponding

Graph/Chart) 156

Interchange Fee in Australia 157

RBA Proposes Reforms to ATM Fees 157

Debit Card Fraud in Australia 157


Table 48: Australian Recent Past, Current & Future Analysis




Table 49: Australian Historic Review for Debit Cards Market



19b. CHINA 159








Outlook 159

China's Bankcard Industry - An Overview 159

Table 50: Bankcards Industry in China (2008): Percentage

Share Breakdown of Cards Issued by Payment Card for Debit

and Credit Cards 159

Rise in Personal Accounts Facilitate Debit Card Use 159

Government Promotes Use of Bankcards 160

Additional Services Ensure Continuous Growth for Debit Cards 160


Table 51: Chinese Recent Past, Current & Future Analysis for




Table 52: Chinese Historic Review for Debit Cards Market



19c. INDIA 162


Outlook 162

Financial Cards Industry in India 162

Table 53: Payments Card Industry in India (2007- 2009):

Percentage Share Breakdown of Number of Cards in

Circulation for Debit Cards and Credit Cards (includes


Table 54: Payments Card Industry in India (2008- 2009):

Percentage Share Breakdown of Transaction Value for Debit

Cards and Credit Cards 163

Debit Cards - A Dominant Presence 163

Recession Fails to Dent Growth Prospects 164

Table 55: Average Annual Debit Card Spending at Merchant

POS Terminals (2006-2009) (includes corresponding Graph/

Chart) 165

Issues & Trends 165

Credit Cards - Preferred for High-Value Purchases 165

Prepaid & Premium Cards - Potential for Higher Debit Card

Utilization 165

Increased Adoption of Electronic Systems Boosts Demand for

Debit Cards 165

Low Utilization Rates at POS Terminals 166

Overcoming Infrastructure Challenges 166

Table 56: Density of ATMs in Select Countries (includes


Focus Shifts to Smaller Towns & Cities 167

Visa Initiates ADP Program for Developing Infrastructure

in Smaller Cities 167

SBI Promotes Debit Card Usage in Small Cities 167

MasterCard & Visa Offer Differentiated Products 167







Card Use for Routine Payments Grows 167

Banks Promote Card Usage for Modernization of Banking

Operations 167

Visa Provides Zero Liability Protection Program for Debit

Cardholders 168

SBI Dominates Debit Card Issuance Scenario 168

Table 57: Leading Players in the Indian Debit Cards Market

(2008-09): Percentage Share Breakdown of Cards Issued for

State Bank of India, ICICI Bank, Axis Bank, HDFC, PNB,

Canara Bank, Andhra Bank, BOB, and Others (includes


Table 58: Leading Indian Banks by Number of ATM Outlets

(2009): Percentage Share Breakdown for SBI, ICICI, Axis,

HDFC, PNB, Canara Bank, UBI, and Others (includes


Table 59: Leading Indian Banks by Number of Merchant POS

Terminals (2009): Percentage Share Breakdown for ICICI,

Axis, HDFC, HSBC, Citibank, BOB, and Others (includes



Table 60: Indian Recent Past, Current & Future Analysis for




Table 61: Indian Historic Review for Debit Cards Market



19d. SINGAPORE 171


Outlook 171

An Insight into Singapore's Cards Market 171


Table 62: Singaporean Recent Past, Current & Future Analysis




Table 63: Singaporean Historic Review for Debit Cards Market



19e. REST OF ASIA-PACIFIC 173


Outlook 173

Select Regional Markets - An Overview 173

Malaysia 173







Recession Fosters Debit Card Use 173

EMV Compliance Fosters Debit Card Growth 173

Major Card Issuers in Malaysia 174

South Korea 174

The Philippines 174

Growing Popularity of Debit Cards 174

Debit Cards for Payroll & Benefit Remittance Applications 175

Thailand 175

Vietnam 175


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