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The Cards and Payments Industry in Poland: Emerging Trends and Opportunities to 2019

Published: Nov 21, 2015 | Pages: 72 | Publisher: Timetric | Industry: Financial Services | Report Format: Electronic (PDF)

Synopsis
Timetric's 'The Cards and Payments Industry in Poland: Emerging Trends and Opportunities to 2019' report provides detailed analysis of market trends in Poland's cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including check payments, credit transfers, direct debits, payment cards and cash transactions during the review period (2010-2014). The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, and transaction values and volumes during the review period and over the forecast period (2015-2019). It also offers information on the country's competitive landscape, including market shares of issuers and schemes. The report brings together Timetric's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies, recent changes in regulatory structure and profiles of card issuers operating in the country.
Summary
Timetric's 'The Cards and Payments Industry in Poland: Emerging Trends and Opportunities to 2019' report provides top-level market analysis, information and insights into Poland's cards and payments industry, including: Current and forecast values for each market in Poland's cards and payments industry, including debit card, credit and charge cards. It also includes detailed analysis of the prepaid card market. Detailed insights into payment instruments including credit transfers, cash transactions, checks, direct debits and payment cards. It also, includes an overview of the country's key alternative payment instruments. E-commerce market analysis and online payment types. Analysis of various market drivers and regulations governing Poland's cards and payments industry. Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards. Comprehensive analysis of consumer attitudes and buying preferences for cards. The competitive landscape of Poland's cards and payments industry.
Scope
This report provides a comprehensive analysis of Poland's cards and payments industry. It provides current values for Poland's cards and payments industry for 2014, and forecast figures to 2019. It details the different demographic, economic, infrastructural and business drivers affecting Poland's cards and payments industry. It outlines the current regulatory framework in the industry. It details marketing strategies used by various banks and other institutions. It profiles major banks in Poland's cards and payments industry.
Reasons To Buy
Make strategic business decisions, using top-level historic and forecast market data, related to Poland's cards and payments industry and each market within it. Understand the key market trends and growth opportunities in Poland's cards and payments industry. Assess the competitive dynamics in Poland's cards and payments industry. Gain insights into marketing strategies used for various card types in Poland. Gain insights into key regulations governing Poland's cards and payments industry.
Key Highlights
Poland was one of Europe's early adopters of contactless technology, and consumers are among the highest users of contactless payments, behind the UK and France. Contactless is seen as an area of huge potential in Poland, especially by Visa, which sees the advance of contactless as highly successful. Visa is heavily promoting contactless payment cards in Poland, and growth has been so impressive that Poland is now Visa's largest contactless market in Europe. Use of contactless cards is dependent on infrastructure being in place, investment in which is starting to bring results. There were 10,000 terminals that could accept contactless cards in 2011, and according to Visa Europe, 354,000 terminals supported contactless payments as of March 2015. Banks are launching a range of new products to capitalize on the growing popularity of contactless mobile payments (m-payments). In April 2015, Bank BPH, in partnership with MasterCard, T-Mobile and Orange, introduced contactless m-payments for credit cardholders, allowing them to make contactless payments of up to US$15.9 (PLN50). In January 2015 nine Polish banks - ING Bank ?l?ski, mBank, Bank Millennium, Raiffeisen Polbank, Getin Bank, Bank Polskiej Spo?dzielczo?ci, Bank SMART and Eurobank - announced plans to commercially launch Visa cloud-based contactless m-payment services by the end of 2015. Banks in Poland are moving slowly towards the low-cost banking model to reduce overheads associated with traditional branch banking. Poland's first digital bank, Alior Sync, was launched by Alior Bank in June 2012. The bank targets active internet users, and offers banking services through Facebook and other social networking sites. The bank also developed apps to encourage online and mobile banking. Similarly, Citibank launched a virtual branch for Polish consumers in September 2010. The growth of online banking model could pose a real challenge to traditional banks, if operators can turn the low-cost model into a money-saving option for consumers.
 Table of Contents
1 Definitions and Methodology 1.1 Definitions 1.2 Methodology 2 Key Facts and Events 3 Executive Summary 4 Payment Instruments 4.1 Current Payment Environment 5 E-Commerce 5.1 E-Commerce Market Analysis 6 Alternative Payments 6.1 Alternative Payment Instruments 6.1.1 Przelewy24 6.1.2 Trustly 6.1.3 MasterPass 6.1.4 PayLane 6.1.5 DotPay 7 Regulations in the Cards and Payments Industry 7.1 Regulatory Framework 7.1.1 Rules under the Electronic Payments Instruments Act, 2002 7.1.2 Prospective regulatory standards in Poland's cards and payments industry 7.1.3 SEPA Card standardization 7.1.4 Principles related to interchange fees 7.1.5 Principles related to interoperability 7.2 Anti-Money Laundering (AML) 7.3 Foreign Direct Investment (FDI) Regulations 8 Analysis of Cards and Payments Industry Drivers 8.1 Demographic Drivers 8.2 Economic Drivers 8.3 Infrastructure Drivers 8.4 Business Drivers 9 Market Segmentation and New Product Launches 9.1 Market Segmentation and Targeting 9.1.1 Consumer cards 9.1.2 Commercial cards 9.2 New Product Launches 10 Payment Cards 10.1 Payment Cards Analysis 10.1.1 Volume and value of payment card transactions by type 10.1.2 Personal vs commercial cards 11 Debit Cards 11.1 Debit Card Market Analysis 11.1.1 Debit card transaction volumes and values by channel 11.1.2 Debit card scheme and issuer shares in terms of transaction value 11.1.3 Debit cards comparison 12 Credit Cards 12.1 Credit Card Market Analysis 12.1.1 Credit card transaction volumes and values by channel 12.1.2 Credit card scheme and issuer shares in terms of transaction value 12.1.3 Credit cards comparison 13 Charge Cards 13.1 Charge Card Market Analysis 13.1.1 Charge card transaction volumes and values by channel 13.1.2 Charge card scheme shares in terms of transaction value 13.1.3 Charge cards comparison 14 Commercial Cards 14.1 Commercial Card Market Analysis 14.1.1 Commercial cards comparison 15 Card Issuers 15.1 PKO Bank Polski 15.2 mBank 15.3 Bank Zachodni WBK 15.4 Bank Pekao 15.5 ING Bank ?l?ski 16 Prepaid Cards 16.1 Prepaid Card Market Analysis 16.1.1 Prepaid cards comparison 17 Merchant Acquiring 17.1 Merchant Acquiring Market Analysis 18 Appendix 18.1 Tables 18.2 Contact Timetric 18.3 About Timetric 18.4 Timetric's Services 18.5 Disclaimer
List of Tables
Table 1: Key Definitions Table 2: Annual Average Exchange Rate Table 3: Poland - Key Facts, 2014 Table 4: Regional Benchmarking of Polish Payment Cards, 2014 Table 5: Poland - Mode of Entry of Foreign Banks Table 6: Cards for High-Income Consumers, 2015 Table 7: Cards for Travelers, 2015 Table 8: Cards for Retail Shoppers, 2015 Table 9: Virtual Cards for Online Shoppers, 2015 Table 10: Cards for Students and Young Population, 2015 Table 11: Commercial Cards Comparison and Key Features, 2015 Table 12: Poland - New Product Launches Table 13: Poland - Debit Cards Comparison and Key Features, 2015 Table 14: Poland - Credit Cards Comparison and Key Features, 2015 Table 15: Poland - Charge Cards Comparison and Key Features, 2015 Table 16: Poland - Commercial Cards Comparison and Key Features, 2015 Table 17: Poland - Prepaid Cards Comparison and Key Features, 2015 Table 18: Poland - Payment Instrument Transaction Values (PLN Billion), 2010-2014 Table 19: Poland - Payment Instrument Transaction Values (US$ Billion), 2010-2014 Table 20: Poland - Payment Instrument Transaction Volumes (Million), 2010-2014 Table 21: Poland - Number of Payment Cards in Circulation by Type (Million), 2010-2019 Table 22: Poland - Volume of Payment Card Transactions by Type (Million), 2010-2019 Table 23: Poland - Value of Payment Card Transactions by Type (PLN Billion), 2010-2019 Table 24: Poland - Value of Payment Card Transactions by Type (US$ Billion), 2010-2019 Table 25: Poland - Personal and Commercial Cards Transaction Value (PLN Billion), 2010-2019 Table 26: Poland - Personal and Commercial Cards Transaction Value (US$ Billion), 2010-2019 Table 27: Poland - Personal and Commercial Cards Transaction Volume (Million), 2010-2019 Table 28: Poland - Number of Debit Cards in Circulation (Million), 2010-2019 Table 29: Poland - Debit Card Transaction Volumes and Frequency by Channel, 2010-2019 Table 30: Poland - Debit Card Total and Average Transaction Values by Channel, 2010-2019 Table 31: Poland - Debit Card Total and Average Transaction Values by Channel, 2010-2019 Table 32: Poland - Number of Debit Cards in Circulation By Scheme (Million), 2010-2014 Table 33: Poland - Debit Card Transaction Values By Scheme (PLN Billion), 2010-2014 Table 34: Poland - Debit Card Transaction Values By Scheme (US$ Billion), 2010-2014 Table 35: Poland - Debit Card Transaction Values by Issuer (PLN Billion), 2010-2014 Table 36: Poland - Debit Card Transaction Values by Issuer (US$ Billion), 2010-2014 Table 37: Poland - Number of Credit Cards in Circulation (Million), 2010-2019 Table 38: Poland - Credit Card Transaction Volumes and Frequency by Channel, 2010-2019 Table 39: Poland - Credit Card Total and Average Transaction Values by Channel, 2010-2019 Table 40: Poland - Credit Card Total and Average Transaction Value by Channel, 2010-2019 Table 41: Poland - Number of Credit Cards in Circulation By Scheme (Thousand), 2010-2014 Table 42: Poland - Credit Card Transaction Values By Scheme (PLN Billion), 2010-2014 Table 43: Poland - Credit Card Transaction Values By Scheme (US$ Billion), 2010-2014 Table 44: Poland - Pay Later Card Transaction Values By Issuer (PLN Million), 2010-2014 Table 45: Poland - Pay Later Card Transaction Values By Issuer (US$ Million), 2010-2014 Table 46: Poland - Number of Charge Cards in Circulation (Thousand), 2009-2018 Table 47: Poland - Charge Card Transaction Volumes and Frequency by Channel, 2009-2018 Table 48: Poland - Charge Card Total and Average Transaction Values by Channel, 2009-2018 Table 49: Poland - Charge Card Total and Average Transaction Values by Channel, 2009-2018 Table 50: Poland - Number of Charge Cards in Circulation By Scheme (Thousand), 2010-2014 Table 51: Poland - Charge Card Transaction Values By Scheme (PLN Billion), 2010-2014 Table 52: Poland - Charge Card Transaction Values By Scheme (US$ Million), 2010-2014 Table 53: Poland - Number of Commercial Cards in Circulation (Thousand), 2010-2019 Table 54: Poland - Commercial Card Transaction Values (PLN Billion), 2010-2019 Table 55: Poland - Commercial Card Transaction Values (US$ Billion), 2010-2019 Table 56: Poland - Number of Prepaid Cards in Circulation (Million), 2010-2019 Table 57: Poland - Prepaid Card Transaction Values (PLN Million), 2010-2019 Table 58: Poland - Prepaid Card Transaction Values (US$ Million), 2010-2019 Table 59: Poland - Merchant Acquiring Transaction Volume by Card Type (Million), 2010-2019 Table 60: Poland - Merchant Acquiring Transaction Value by Card Type (PLN Billion), 2010-2019 Table 61: Poland - Merchant Acquiring Transaction Value by Card Type (US$ Billion), 2010-2019 Table 62: Poland - Acquirers' Transaction Volume (Million), 2010-2014 Table 63: Poland - Acquirers' Transaction Value (PLN Billion), 2010-2014 Table 64: Poland - Acquirers' Transaction Value (US$ Billion), 2010-2014 Table 65: Poland - Retail Outlets and Merchant Accounts (Thousand), 2010-2019


List of Figures
Figure 1: Poland - Payment Instrument Shares by Transaction Value (%), 2010 and 2014 Figure 2: Poland - Payment Instrument Shares by Transaction Volume (%), 2010 and 2014 Figure 3: Poland - E-Commerce Value (US$ Billion) and Payment Types Figure 4: Poland - Total Population and Structure, 2014 Figure 5: Poland - Economic Indicators, 2010-2019 Figure 6: Poland - Number of ATMs, POS Terminals and Commercial Bank Branches Figure 7: Poland - Retail Sales and Household Final Consumption Expenditure Per Capita, 2010-2014 Figure 8: Poland - Cards and Payments Industry Segmentation by Card Type, 2015 Figure 9: Poland - Growth in Payment Cards Transaction Value and Circulation by Type, 2010-2019 Figure 10: Poland - Volume and Value of Payment Card Transactions by Type (%), 2010-2019 Figure 11: Poland - Personal and Commercial Cards, Transaction Volume and Value (%), 2010-2019 Figure 12: Poland - Growth in Debit Card Transaction Values and Number of Debit Cards in Circulation, 2010-2019 Figure 13: Poland - Pay Now, Average Interchange Fees: Intra-Network Transactions (%), 2010-2014 Figure 14: Poland - Pay Now, Average Merchant Service Charge: Domestic Transactions (%), 2010-2019 Figure 15: Poland - Debit Card Transaction Volumes and Values by Channel, 2010-2019 Figure 16: Poland - Debit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014 Figure 17: Poland - Growth in Credit Card Transaction Values and Number of Credit Cards in Circulation, 2010-2019 Figure 18: Poland - Pay Later, Average Interchange Fees: Intra-Network Transactions (%), 2010-2014 Figure 19: Poland - Pay Later, Average Merchant Service Charge: Domestic Transactions (%), 2010-2019 Figure 20: Poland - Credit Card Transaction Volumes and Values by Channel, 2010-2019 Figure 21: Poland - Credit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014 Figure 22: Poland - Growth in Charge Card Transaction Values and Number of Charge Cards in Circulation, 2010-2019 Figure 23: Poland - Charge Card Transaction Volumes and Values by Channel, 2010-2019 Figure 24: Poland - Charge Card Scheme Shares in Terms of Transaction Value (%), 2014 Figure 25: Poland - Number of Commercial Cards in Circulation and Transaction Value, 2010-2019 Figure 26: Poland - Number of Prepaid Cards in Circulation and Transaction Value, 2010-2019 Figure 27: Poland - Merchant Acquiring Transaction Volume and Value, 2010-2019 Figure 28: Poland - Acquirers' Market Share in Terms of Transaction Volume and Value (%), 2014 Figure 29: Poland - Number of Retail Outlets and Total Merchant Accounts (Thousand), 2010-2019

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