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

Published: Feb 4, 2016 | Pages: 62 | Publisher: Timetric | Industry: Financial Services | Report Format: Electronic (PDF)

Synopsis
Timetric's 'The Cards and Payments Industry in Sweden: Emerging Trends and Opportunities to 2019' report provides detailed analysis of market trends in Sweden'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 Sweden: Emerging Trends and Opportunities to 2019' report provides top-level market analysis, information and insights into Sweden's cards and payments industry, including: Current and forecast values for each market in Sweden's cards and payments industry, including debit card, credit and charge cards. 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 Sweden'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 Sweden's cards and payments industry.
Scope
This report provides a comprehensive analysis of Sweden's cards and payments industry. It provides current values for Sweden's cards and payments industry for 2014, and forecast figures to 2019. It details the different demographic, economic, infrastructural and business drivers affecting Sweden'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 Sweden's cards and payments industry.
Reasons To Buy
Make strategic business decisions, using top-level historic and forecast market data related to Sweden's cards and payments industry and each market within it. Understand key market trends and growth opportunities in Sweden's cards and payments industry. Assess the competitive dynamics in Sweden's cards and payments industry. Gain insights into marketing strategies used for various card types in Sweden. Gain insights into key regulations governing Sweden's cards and payments industry.
Key Highlights
To capitalize on the fast-growing e-commerce market, Swedish banks plan to expand Swish, a widely used mobile e-commerce app, by the end of 2016. Swish is owned by a consortium of six Swedish banks - Danske Bank, Handelsbanken, Lansforsakringar Bank, Nordea, SEB and Swedbank - and is presently used only for peer-to-peer (P2P) and in-store payments. Since its launch in November 2012, Swish has grown in popularity, with nearly 3 million individuals enrolled for the service, and an average of 6 million transactions per month. This move by banks to expand Swish's scope for e-commerce is expected to drive mobile payments (m-payments). MasterCard launched the MasterPass digital wallet in association with Nordea, SEB and Swedbank, in December 2015, to provide convenient and secured online payments for Swedish consumers. MasterPass users can shop online without having to enter payment and shipping information with every purchase. Swedish consumers can initially use MasterPass for online and in-app shopping, and the service will gradually be extended to retail payments. ICA Banken and Resurs Bank will offer MasterPass to customers in early 2016. Competition in Sweden's debit card market is expected to rise, with non-banking companies starting to offer basic banking and financial services. Invoice-based payment solution provider Klarna applied for a banking license in October 2015, and is awaiting approval from the Swedish Financial Supervisory Authority (FSA). The company plans to offer savings accounts and debit cards.
 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 Swish 6.1.2 Seqr 6.1.3 WyWallet 6.1.4 AfterPay 6.1.5 PayByBill 6.1.6 PayPal 6.1.7 Klarna 6.1.8 Trustly 6.1.9 Pay by palm 6.1.10 MasterPass 7 Regulations in the Cards and Payments Industry 7.1 Regulatory Framework 7.1.1 SEPA cards framework 7.1.2 Swedish laws regarding card use 7.1.3 EBA guidelines on the security of online payments 7.1.4 Interchange fee regulation 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 9.1 Market Segmentation and Targeting 9.1.1 Consumer cards 9.1.2 Commercial cards 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 Swedbank 15.2 Svenska Handelsbanken 15.3 Nordea Bank 15.4 Skandinaviska Enskilda Banken (SEB) 15.5 Lansforsakringar Bank 16 Merchant Acquiring 16.1 Merchant Acquiring Market Analysis 17 Appendix 17.1 Tables 17.2 Contact Timetric 17.3 About Timetric 17.4 Timetric's Services 17.5 Disclaimer
List of Tables
Table 1: Key Definitions Table 2: Annual Average Exchange Rate Table 3: Sweden - Key Facts, 2014 Table 4: Regional Benchmarking of Swedish Payment Cards, 2014 Table 5: Sweden - Mode of Entry of Foreign Banks Table 6: Cards for High-Income Consumers, 2015 Table 7: Cards for Students and the Young Population, 2015 Table 8: Commercial Cards Comparison and Key Features, 2015 Table 9: Sweden - Debit Cards Comparison and Key Features, 2015 Table 10: Sweden - Gold Credit Cards Comparison and Key Features, 2015 Table 11: Sweden - Premium Credit Cards Comparison and Key Features, 2015 Table 12: Sweden - Charge Cards Comparison and Key Features, 2015 Table 13: Sweden - Commercial Cards Comparison and Key Features, 2015 Table 14: Sweden - Payment Instrument Transaction Values (SEK Billion), 2010-2014 Table 15: Sweden - Payment Instrument Transaction Values (US$ Billion), 2010-2014 Table 16: Sweden - Payment Instrument Transaction Volumes (Million), 2010-2014 Table 17: Sweden - Number of Payment Cards in Circulation by Type (Million), 2010-2019 Table 18: Sweden - Volume of Payment Card Transactions by Type (Million), 2010-2019 Table 19: Sweden - Value of Payment Card Transactions by Type (SEK Billion), 2010-2019 Table 20: Sweden - Value of Payment Card Transactions by Type (US$ Billion), 2010-2019 Table 21: Sweden - Personal and Commercial Card Transaction Volumes (Million), 2010-2019 Table 22: Sweden - Personal and Commercial Card Transaction Values (SEK Billion), 2010-2019 Table 23: Sweden - Personal and Commercial Card Transaction Values (US$ Billion), 2010-2019 Table 24: Sweden - Number of Debit Cards in Circulation (Million), 2010-2019 Table 25: Sweden - Debit Card Transaction Volumes and Frequency by Channel, 2010-2019 Table 26: Sweden - Debit Card Total and Average Transaction Values by Channel, 2010-2019 Table 27: Sweden - Debit Card Total and Average Transaction Values by Channel, 2010-2019 Table 28: Sweden - Number of Debit Cards in Circulation By Scheme (Million), 2010-2014 Table 29: Sweden - Debit Card Transaction Values By Scheme (SEK Billion), 2010-2014 Table 30: Sweden - Debit Card Transaction Values By Scheme (US$ Billion), 2010-2014 Table 31: Sweden - Debit Card Transaction Values by Issuer (SEK Billion), 2010-2014 Table 32: Sweden - Debit Card Transaction Values by Issuer (US$ Billion), 2010-2014 Table 33: Sweden - Number of Credit Cards in Circulation (Million), 2010-2019 Table 34: Sweden - Credit Card Transaction Volumes and Frequency by Channel, 2010-2019 Table 35: Sweden - Credit Card Total and Average Transaction Values by Channel, 2010-2019 Table 36: Sweden - Credit Card Total and Average Transaction Values by Channel, 2010-2019 Table 37: Sweden - Number of Credit Cards in Circulation By Scheme (Thousand), 2010-2014 Table 38: Sweden - Credit Card Transaction Values By Scheme (SEK Billion), 2010-2014 Table 39: Sweden - Credit Card Transaction Values By Scheme (US$ Billion), 2010-2014 Table 40: Sweden - Pay Later Card Transaction Values By Issuer (SEK Billion), 2010-2014 Table 41: Sweden - Pay Later Card Transaction Values By Issuer (US$ Billion), 2010-2014 Table 42: Sweden - Number of Charge Cards in Circulation (Thousand), 2009-2018 Table 43: Sweden - Charge Card Transaction Volumes and Frequency by Channel, 2009-2018 Table 44: Sweden - Charge Card Total and Average Transaction Values by Channel, 2009-2018 Table 45: Sweden - Charge Card Total and Average Transaction Values by Channel, 2009-2018 Table 46: Sweden - Number of Charge Cards in Circulation By Scheme (Thousand), 2010-2014 Table 47: Sweden - Charge Card Transaction Values By Scheme (SEK Billion), 2010-2014 Table 48: Sweden - Charge Card Transaction Values By Scheme (US$ Billion), 2009-2014 Table 49: Sweden - Number of Commercial Cards in Circulation (Thousand), 2010-2019 Table 50: Sweden - Commercial Card Transaction Values (SEK Billion), 2010-2019 Table 51: Sweden - Commercial Card Transaction Values (US$ Billion), 2010-2019 Table 52: Sweden - Merchant Acquiring Transaction Volumes by Card Type (Billion), 2010-2019 Table 53: Sweden - Merchant Acquiring Transaction Values by Card Type (SEK Billion), 2010-2019 Table 54: Sweden - Merchant Acquiring Transaction Values by Card Type (US$ Billion), 2010-2019 Table 55: Sweden - Acquirers' Transaction Volumes (Million), 2010-2014 Table 56: Sweden - Acquirers' Transaction Values (SEK Billion), 2010-2014 Table 57: Sweden - Acquirers' Transaction Values (US$ Billion), 2010-2014 Table 58: Sweden - Retail Outlets and Merchant Accounts (Thousand), 2010-2019


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

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