Debit Cards

Table of Contents

I. INTRODUCTION, METHODOLOGY & PRODUCT DEFINITIONS

• Study Reliability and Reporting Limitations
• Disclaimers
• Data Interpretation & Reporting Level
• Quantitative Techniques & Analytics
• Product Definitions and Scope of Study
• Debit Card
• Prepaid Debit Cards
• Online or PIN Debit Cards
• Offline or Signature Debit Cards

II. EXECUTIVE SUMMARY

1. Industry Overview

• Payment Cards Industry - An Overview
• Table 1: Global Financial Cards Industry (2005): Percentage Breakdown of Leading Countries by Number of Cards (includes corresponding Graph/Chart)
• Technological Innovations Drive Up Card Transactions
• Cards Replace Cash and Paper Transactions…
• Debit Cards - A Convenient Cash-Less Payment System
• Current and Future Analysis
• Asia-Pacific - Riding on Chinese Debit Card Success

2. Market Dynamics

• Small Value Transactions to Drive Growth in Debit Cards Arena
• Intensifying Consolidation in European Card Processing Sector…
• Asia-Pacific Drives Global Debit Card Use…
• Growing Use of Cards for Payment of Recurring Bills
• Card Companies Focus on Select Consumer Segments…
• Card Associations Intensify Campaign for Prepaid Cards
• Fraud Facilitates Development of New Technologies
• Contactless Technology to Fight Fraudulent Transactions
• Debit Cards Use Rises During Holiday Season
• Technology to Overcome Inadequacies in Infrastructure
• Non-Banking Agencies to Counter the Dominance of Associations…
• Debit Cards for New Mobile Payment System

3. Major Issues Influencing Debit Cards Market

• Interchange Fee - A Contentious issue
• Visa and MasterCard Face Legal Implications
• Security - A Key Concern for Issuing Banks
• SEPA Set to Restructure Debit Cards Payment System in EU
• Absence of Debit Interchange Programs Affects European Income Levels
• Alternative Online Payment Modes - A Threat to Debit Cards…
• ACH System - A Major Challenge Facing Debit Cards Industry
• Merchant Resistance Obstructs Debit Card Adoption…
• Rising Fraud in PIN Debit Transactions Worries Consumers
• Expensive Overdraft Fees Raises Concern

4. Product Overview

• Debit Cards - A Conceptual Definition
• Debit Cards in Force Across the World
• Debit Card - A Commodity Product
• Debit Card Penetration & Activation
• Authorization Hold - Saving Retailers from Risk
• Electronic Funds Transfer Point of Sale (EFTPOS)
• Transaction Processing in Debit Cards
• Process Flow for Online Debit Transactions
• Process Flow in Signature Debit Transactions
• Electronic Funds Transfer Networks (EFT) Networks
• Visa & MasterCard - Principal Global Debit Brands
• Reward Programs Gain Popularity…
• Prepaid Bank Debit Cards
• Prepaid or Stored Value Card
• Common Applications of Prepaid Debit Cards
• Transfer of Funds
• Retail Debit Cards
• Payroll Debit Cards
• Health Debit Cards
• Prepaid Cards - Challenges & Opportunities
• Advantages of Debit Cards
• Disadvantages of Debit Cards
• Growth Drivers
• Market Restraints

5. Types of Debit Cards

• Online or PIN Debit Cards
• Offline or Signature Debit Cards
• PIN Vs Signature Debit Transaction Fee
• “Credit” and “Debit” Purchases
• PIN Faces Competition from Contactless and Signature-Less Debit Transactions
• Debit Cards for Telephone, Mail and Internet Transactions
• Debit Cards As Stored Value Cards

6. Credit Card Vs Debit Card

• Comparative Review of Debit and Credit Card Functions
• Processing Fee for Debit and Credit Cards
• Interchange Fee
• Interchange Fee for Signature Debit Cards and Credit Cards
• Table 2: Fee Structure for Credit Card and Signature Debit Card Transactions (Purchase Price US$100) in the US
• Interchange Fee for PIN-Based Debit Transactions
• Table 3: Fee Structure for PIN (Online) Debit Card Transactions (Purchase Price US$100) in the US

7. Debit Card Fraud

• Fraud - An Inevitable Consequence of Rapid Growth
• Dealing with Advancing Card Fraud Tactics
• Major Tools Employed by Card Issuers for Fighting Debit Card Fraud
• Basic Fraud Prevention Tools for Debit Cards
• Additional Fraud Prevention Technologies/Tools
• Rising Card Fraud Losses - A Major Concern for Card Issuers
• Consumer Apathy Hampers Implementation of Card Fraud Measures
• Financial & Infrastructure Constraints Plague Card Fraud Control Implementation
• Debit Card Fraud Losses
• Card Fraud Losses in North America
• Card Fraud Losses in Europe
• Table 4: Global Debit Card Fraud Losses (2004-2008P): 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)

8. Recent Industry Activity

• Metavante Acquires Nomad Payments
• Fortress Financial Takes Over Moneyworx
• Hertford to Deliver CrewCard Debit Cards
• Net Spend and Capital One in Strategic Partnership
• InComm and nFinanSe in Distribution Agreement
• Serverside and PayJr Develop Program to Issue
• Customized Visa Debit Cards
• Capital One and NetSpend Team Up for Reloadable Prepaid Debit Card
• Interac Certifies Gemalto for Supply of EMV Compliant Debit Cards
• Citibank and East Asia Bank Seek Approval for Selling Debit Cards in China
• German Sparda Chooses MasterCard’s Maestro Debit Plan
• CCSI and Bone Thugs-N-Harmony Enter into Agreement
• 3PEA Forays into Prepaid Debit Cards Arena
• eCommLink Partners with First Bank & Trust
• Five Banks to Introduce Visa V Pay Chip-and-PIN-only Debit Cards in Italy
• Tempo Payments Inks Agreement With Fiserv EFT
• No Borders Pens Pact with Corregidora Global Group to Distribute Debit Cards
• First Data Renews Agreement with LaSalle Bank & Golden 1 Credit Union
• Atos Origin Acquires Banksys
• Card Express Enters into Agreement with Eight Pemco Technologies Customers
• Alpine Bank Acquires Saylent Technologies Inc’s Y-Debit Solution
• GTREX Capital Partners with XpressDebit for its Debit Card Program
• PayAllNow Selects Altair as a Preferred Debit Card Issuer for European Payroll Market
• SHPS, First Data & UMB Bank Team Up to Offer Debit Card
• Global Financial Exchange Sets Up New Company with MGT
• Fifth Third Expands Service Offerings by Acquiring CMC
• LIC Partners with UTI to Provide Annuity Debit Cards
• Soooogood Financial Services Inks Agreement to Distribute Stored Value Debit Card
• DRFS to Deliver Debit Cards to Poder de Compra
• Xinhua Finance Collaborates with FreeStar
• Visa Protects Indian Debit Cardholders through Zero Liability Program
• eCard to Team Up with Polish Banks for Enabling Debit-Based Online Transactions
• CNB Inks Agreement with No Borders to Issue and Process Prepaid Debit Cards
• Morgan Beaumont Partners with MPS for New Prepaid ATM/Debit Card Program
• Citibank and MTV in Partnership to Introduce New MasterCard Debit Card
• Global Vision Partners with BGG to Market Debit Cards Across EMEA
• BPCL and SBI Form Partnership for Debit Cards
• Viking Capital Group Acquires Secure Cash™ Card Program
• No Borders and Equity One Set Up a Joint Venture
• Global Links and Alliance Card Enter into an Agreement
• Global Vision Signs Agreement to Introduce Debit Card
• Oceanic Bank Collaborates with Interswitch to Upgrade its Debit Card

9. Product Introductions/Innovations

• Paychex Unveils Paychex FSA Debit Card
• Citibank Unveils Co-Branded Debit Card
• IDBI Rolls Out New International Debit MasterCard
• Citibank and SMRT Introduce New Debit Card
• Tempo & QuikTrip to Introduce Debit Card with Fuel
• Discount Feature
• Neteller Releases New Debit Cards in Asia and Europe
• Guardian Launches Benny Prepaid MasterCard Debit Card
• Murphy Oil to Introduce New Debit Cards
• Sanlam Introduces Sanlam Liquid Debit Card
• Halifax Launches First Visa Debit Card in Ireland
• Indian Bank Introduces International Debit Card
• Capital One to Launch New Debit Card
• Barclays to Introduce Carbon Neutral Debit Card in the UK
• MasterCard & Upromise Unveil New Rewards Program
• MasterCard Offers Zero Liability Protection Program to US Small Business Cards
• MasterCard Introduces Counter-Fraud Solution for PIN Debit Transactions
• UTI Bank/Axis Bank Introduces International Debit Card for Small & Medium Enterprises
• SBI to Introduce ATM-Cum-Debit Card Cash Back Scheme in Select Cities
• OPM Launches Debit Card for Procuring Healthcare Products on Trial Basis
• EDP Launches Elvis Presley Prepaid Visa® Card
• Chase Introduces Visa-Branded ‘Blink’ Debit Cards
• HDFC Launches Exclusive Debit Card for Women
• Discover Financial Unveils New Discover® Signature Debit Card
• Binghamton Introduces Giant EXTRA Plus Debit Card for its Customers
• VIB Unveils New VIB Values Debit Card
• IBQ Rolls Out Debit Card for Middle East & North African Markets
• Bulgaria FIB Introduces Visa Electron Debit Card for Online Transactions
• UniCredit Romania Unveils Visa Business Electron Debit Card
• U.S. Bank & Cabela’s Roll Out Debit Card with RewardsProgram
  • TalkSport Introduces Pre-Pay Debit Card to EnterFinancial Services Market
  • Metavante Integrates BenSoft’s RepayMe Solution into itsHealthcare Debit Card
  • Debitman Receives Patent for New Retailer Debit CardNetwork Payment System
  • Dashen Introduces First Visa Electron Debit Card inEthiopia
  • ANZ Introduces ANZ Everyday Visa Debit Card
  • RCBC Unveils Debit Card for Overseas Filipino Workers
  • DTB Forays into Card Business by Launching Open VisaDebit Card
  • Citibank Introduces Student Debit Scholarship CardAcross Poland
  • NBB Rolls Out New MasterCard Debit Card AcrossBahrain
  • QCSI Incorporates MyHealthBank Software into BenefitsDebit Card
  • Visa Collaborates with Insurance Companies to OfferDebit Card
  • PNB and MasterCard Introduce PNB MasterCardDebit Card
  • Banamex Introduces New Toluca Co-Branded Debit Card
  • Amscot Introduces MasterCard Prepaid Debit Card
  • HDFC Bank Introduces International Gold Debit Card forIndian Customers
  • InstaDial Introduces New US Dollar MultiCard DebitVisa® Card
  • Wachovia Rolls Out Direct Pay Prepaid Debit Card
  • Cash Now Launches New Electronic Debit Card
  • RMF Rolls Out ATM-Cum-Debit Card for its MutualFund Investors
  • Affinity Card Systems Launches Ethos Prepaid Debit Card
  • MasterCard & BankWest to Introduce a New Debit Card
  • IOB Teams Up with VISA to Launch InstacashDebit Card
  • Marcatel Unveils Debit Card for Hispanic Community in the US
  • Barclays Bank Introduces New Visa ElectronicDebit Card for Kenyan Customers
  • BRD-Groupe Introduces BRD-ISIC Debit Card forStudent Community
  • KeyBank Unveils MasterCard PayPass Debit Card
  • Kotak Mahindra Bank Rolls Out Prepaid FixedDenomination Card
  • HBL Offers Visa-Enabled Value Debit Card
  • Debit Cash Card Introduces New Debit Card Program
  • MasterCard Europe Introduces Cash2Go MaestroDebit Card in the UK
  • Yes Bank Launches International Gold & SilverDebit Cards in India
  • Allow Card of America Rolls Out New Debit Card forYoung Customers
  • USA Paycard Launches Prepaid Debit Card forUn-Banked Employees
  • AmigoMoney Introduces Visa Debit Card for HispanicCommunity
  • Wachovia Introduces Dinero Directo RemittanceDebit Card
  • Delta Hotels Rolls Out Gift Card Program for Clients
  • Bradesco Launches CDC Bradesco Visa ElectronDebit Card
  • Corp Bank Introduces All-in-One Farmers’ Debit Card
  • National Bank of Pakistan Unveils E-Banking Debit Card
  • IndusInd Bank to Introduce Women’s Debit Card
  • Banco de la Nacion to Launch Debit Card

10. Focus on Select Players

• Debit Card Issuers
• Bank of America Corporation (US)
• Barclays Plc (UK)
• China Merchants Bank Co., Ltd (China)
• Citigroup, Inc. (US)
• Citibank Inc (US)
• Crédit Agricole S.A (France)
• Deutsche Bank AG (Germany)
• Direct Response Financial Services, Inc. (US)
• HSBC Holdings Plc (UK)
• ING Group N.V. (The Netherlands)
• JPMorgan Chase & Co. (US)
• Laser Card Services Ltd. (Ireland)
• Lloyds TSB Group Plc (UK)
• The Royal Bank of Scotland Group Plc (UK)
• S2 Card Services Ltd. (UK)
• State Bank of India (India)
• Wachovia Corporation (US)
• Washington Mutual, Inc. (US)
• Wells Fargo & Company (US)
• EFT Networks/Card Processing Companies
• SA Banksys NV (Belgium)
• First Data Corporation (US)
• STAR® Networks, Inc.
• Metavante Corporation (US)
• MasterCard Worldwide (US)
• PULSE EFT Association, Inc. (US)
• SSB SPA (Italy)
• Visa U.S.A., Inc. (US)

11. Global Market Perspective

• Table 5: 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 2003 through 2012 (includes corresponding Graph/Chart)
• Table 6: World 10-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 2003, 2007 & 2012 (includes corresponding Graph/Chart)

III. MARKET

1. The United States

• A. Market Analysis
  • Payment Cards Industry in the US - An Overview
  • Current and Future Analysis
  • Debit Cards Market
  • A Preview
  • An Introduction to Debit Cards Market
  • Factors Driving Growth of Debit Cards in the US
  • Rewards & Prepaid Cards
  • Routine & Low-Value Transactions
  • Major Trends
  • Debit Card Transactions Witness Rapid Growth…
  • PIN and Dual Feature Debit Cards to WitnessRapid Growth…
  • Card Associations in the US
  • Table 7: US Debit Cards Industry (2005-2006): Leading PIN-Debit Networks by Market Share (%) of Transaction Volume for Interlink (Visa), Star, Pulse, NYCE and Others (includes corresponding Graph/Chart)
  • Interchange Fees
  • Competition Intensifies Between Debit CardSchemes
  • Table 8: US Interchange Fee for Debit Transactions for Scheme-Based and PIN-Based Systems (1994-2004) (includes corresponding Graph/Chart)
  • MasterCard and Visa Settlement LowersInterchange Rates
  • Associations Lower Interchange Fee forSmall Ticket Transactions
  • Visa Lowers Interchange Fees
  • Visa’s Small Ticket Strategy Succeeds…
  • MasterCard’s Small Ticket Debit Programs
  • Programs from American Express
  • Online Vs Offline Debit Cards
  • Table 9: Leading Offline Debit Card Issuers in the US by Number of Cards (In Million) (2004-2005) (includes corresponding Graph/Chart)
  • PIN Transactions to Grow at the Expense ofOffline Segment…
  • Trends in Signature & PIN Debit Card Segments
  • Debit Card Vs Other Payment Methods
  • Credit Faces Challenge from Debit Cards Market
  • Saturation in Credit Cards Segment BoostsDebit Cards Market
  • Table 10: Market Share of Debit Cards and Credit Cards in the US (2004-2008) (includes corresponding Graph/Chart)
  • PIN & Signature Usage at POS ExceedsCredit Cards
  • Use of Cash and Checks Drops…
  • Checks Dominate Bill Payments Arena
  • Debit Cards - Replacing Cash Payments
  • Debit Card Spending Exceeds Credit CardSpending
  • Table 11: Consumer Preference for Payment System by Age Group for ATM/Debit Card, Credit Card and Checks (2005) (includes corresponding Graph/Chart)
  • Banks Undertake Innovative Initiatives toPromote Card Usage
  • Debit Cards Erode Credit Cards Revenues
  • Rising Debt from Credit Cards Drives Use ofDebit Cards
  • Leading Debit Card Players Enter Credit CardsArena
  • Challenges Facing US Debit Cards Market
  • Interchange Fee - A Major Challenge forCard Associations
  • Lack of Consensus on Revenues HampersRevenue Generation
  • Multiplicity of Cards - A Major Obstacle forConsumers
  • Demographic Challenges Hurdle RapidAdoption
  • ‘Bucket Spending’ Limits Card Usage toSmall-Value Transactions
  • Major Issues Affecting US Debit Cards Market
  • Impact of Consolidation in Banking Sector onDebit Cards Market
  • Security - A Major Concern for Issuing Banks
  • Trends & Developments
  • Declining Use of ATMs
  • Women Debit Card Users on the Rise…
  • Teen Prepaid Cards Growing Popular…
  • Credit Unions Benefit from GrowingDebit Card Usage
  • Government Agencies Slow to Adopt Debit Cardsfor Disbursements
  • California DMV Adopts ATM/Debit Cards forAccelerating Service Provision
  • Card Issuers Capitalize on ‘Back-to-School’Spending Period
  • Card Issuers Re-Evaluate Limit on Daily PINDebit Transactions
  • Debit Cards in Natural Emergencies
  • Visa Provides E-Payment Facility in Theatres
  • Surging Use of MasterCard’s PayPass Debit &Credit Cards
  • Debit Card Usage at Stores
  • Table 12: In-Store Payments in the US (2001-2005): Percentage Breakdown of Payment Type for Cash, Debit Card, Credit Card, Check and Others (includes corresponding Graph/Chart)
  • Online Purchases
  • Reward Programs for Debit Cards
  • Rising Debit Card Fraud - A Key Concern Area forCard Participants
  • Debit Card Fraud - An Expanding Menace
  • Debit Card Fraud Loss
  • Table 13: US Payments Industry (2005 & 2009): Percentage Breakdown of Fraud Loss by Payment Type for Credit Card, Check, Signature Debit, PIN Debit and ACH (includes corresponding Graph/Chart)
  • Table 14: US Debit Card Issuers (2006-2008): Percentage Breakdown of IT Spending Value by Activity for Transaction Processing, Risk Management, Card & Account management, Acquisition/Marketing, Customer Servicing and Other Back Office (includes corresponding Graph/Chart)
  • Legal Implications for Debit Card Fraud
  • New Federal Legislation on Fraud Disclosure
  • Visa Implements ADCR for Expediting Fraud LossReimbursement…
  • Security Codes - Internal Security Mechanism
  • Future of Smart Cards in the US
  • Contactless Technology Offer Enormous GrowthPotential
  • Banks Allow Controversial Overdraw Facility forDebit Card Transactions
  • Overdraft Fees - Burning Hole in the Customers’Pocket
  • Overdraft Transactions Under the Scanner…
  • Debit Cards for Healthcare Benefits PlanAdministration
  • Growing Demand for Debit Cards in HealthcareBenefits Administration Programs
  • Prepaid FSA Debit Cards to Grow Further
  • IRS Issues New Regulations for Debit Cards…
  • Smart Medical Debit Cards Facilitate Faster ClaimSettlements
  • Cards Dominate Holiday Spending Payments
  • Table 15: Payment Methods During Holiday Season in the US (2005-2006): Percentage Breakdown for Debit/Check Cards, Credit Cards, Cash and Checks (includes corresponding Graph/Chart)
  • Growing Penetration of Debit Cards Among SmallBusinesses
  • Visa Products for Small Business Owners…
  • Rising Use of Debit Cards for Micro-Payments
  • Growing Use of Debit Cards for Low-ValueTransactions…
  • Debit Cards Facilitate Faster and Secure ChildSupport Payments
  • Prepaid Debit Cards - Ideal for BenefitsPayments
  • Popularity of Payroll Debit Cards Rises AmongBanked and Un-banked Employees
  • New Regulations Place Unauthorized Usage Liabilityon Card Issuers & Employers
  • Growing Use of Cards for Payment ofRecurring Bills
  • Card Companies Focus on Minority Communities
  • Hispanic Consumers - Growth Opportunity forCard Companies
  • Debit Cards Used for Payment of UnemploymentBenefits
  • Prepaid Debit Cards Market in the US
  • Proposed Government Initiatives Offer GrowthOpportunities…
  • Globalization - Key to Growth of PrepaidDebit Cards
  • Strategic Corporate Developments
  • Product Introductions
  • Focus on Select Players
  • Card Issuing Companies
  • Bank of America Corporation
  • Citigroup, Inc.
  • Citibank, Inc
  • Direct Response Financial Services, Inc.
  • JPMorgan Chase & Co.
  • Wachovia Corporation
  • Washington Mutual, Inc.
  • Wells Fargo & Company
  • EFT Networks/Card Processing Companies
  • First Data Corporation
  • STAR® Networks, Inc.
  • Metavante Corporation
  • MasterCard Worldwide
  • PULSE EFT Association, Inc.
  • Visa U.S.A., Inc.
• B. Market Analytics
  • Table 16: 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 2003 through 2012 (includes corresponding Graph/Chart)
  • Table 17: US 10-Year Perspective for Debit Cards by Product Segment - Percentage Breakdown by Cards in Use for Signature (Offline) and PIN (Online) Markets for Years 2003, 2007 & 2012
  • Table 18: US Recent Past, Current & Future Analysis for Debit Card Transaction Volume (in Billion) by Product Segment - Signature (Offline) and PIN (Online) Markets Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)
  • Table 19: US 10-Year Perspective for Debit Cards by Product Segment - Percentage Breakdown by Transaction Volume for Signature (Offline) and PIN (Online) Markets for Years 2003, 2007 & 2012

2. Canada

• A. Market Analysis
  • Current and Future Analysis
  • Canada Payment Cards Market - An Overview
  • IDP - Canada’s National Debit Scheme
  • Table 20: Global Debit Card Usage (2004): Debit Card Transactions Per Inhabitant by Country for Canada, Sweden, The Netherlands and the US (2004) (includes corresponding Graph/Chart)
  • Tech-Savvy Consumers Facilitate Growth in ElectronicPayments Segment
  • A Chronology of Select Technological Developmentsin Canada’s Financial Industry
  • Major Developments & Trends
  • Debit Card Use Spirals During Holiday Season…
  • Card Companies Undertake Trials forEMV Compliance…
  • Canada Promotes Use of Chip-Enabled Cards…
  • Growing Use of Debit Cards for $25-$100 ValueTransactions…
  • Consumers Prefer PIN Debit Transactions…
  • Canada Introduces New Voluntary Code forDebit Card Transactions
  • Rising Debit Card Fraud at Canadian Retail GasStations…
  • Strategic Corporate Developments
  • Product Introductions
• B. Market Analytics
  • Table 21: Canada Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

3. Japan

• A. Market Analysis
  • Current and Future Analysis
  • Payments Cards in Japan - An Overview
  • Japanese Debit Cards Market - A HistoricalPerspective
  • Debit Cards System in Japan
  • Card Associations in Japan
  • Online Processing Dominates Debit Card ProcessingScenario…
  • Debit Cards Find Use in High Value Transactions…
  • JCB - A Major Card Industry Player
• B. Market Analytics
  • Table 22: Japanese Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4. Europe

• A. Market Analysis
  • Current and Future Analysis
  • Banking Facilities in Europe
  • Central and Eastern Europe (CEE) Region
  • Cards Replace Cash and Paper Transactions…
  • Payments Cards Address Needs of Un-BankedPopulation
  • Focus on Prepaid Cards
  • Single Euro Payments Area (SEPA) Takes Shape inEurope
  • Rationale Behind SEPA…
  • European Banking Sector Proposes Pan-EuropeanDebit Card Scheme
  • What is SEPA?
  • EAPS Initiates Process of SEPA Compliance forEuropean Debit Cards
  • Major Highlights of SEPA
  • Current & Post-SEPA Scenario in EU Nations…
  • Banks Fear MasterCard’s Dominance
  • MasterCard Defers Introduction of New InterchangeRates for Europe
  • MasterCard’s New Interchange Fees for Europe
  • European Prepaid Cards Market on the Rise…
  • Table 23: European Prepaid Cards Market (2006): Percentage Breakdown of Spending by Type of Prepaid Card (includes corresponding Graph/Chart)
  • Table 24: European Prepaid Cards Market (2006): Percentage Breakdown of Spending by Type of Prepaid Card (includes corresponding Graph/Chart)
  • Strategic Corporate Developments
• B. Market Analytics
  • Table 25: European Recent Past, Current and Future Analysis 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 2012 (includes corresponding Graph/Chart)
  • Table 26: European 10-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 2003, 2007 & 2012 (includes corresponding Graph/Chart)

4a. France

• A. Market Analysis
  • Current and Future Analysis
  • Payment Cards Market in France - An Overview
  • French Payment Cards Market Continues to Rise…
  • Debit Cards in France
  • Carte Bleue - The National Debit Card Scheme
  • Crédit Agricole S.A (France) - A Key Player
• B. Market Analytics
  • Table 27: French Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4b. Germany

• A. Market Analysis
  • Current and Future Analysis
  • An Overview of the German Payment Cards Market
  • Germany Leads Europe in Card Transactions
  • Visa Seeks to Break Maestro’s Stronghold onEuropean Debit Cards Market
  • Strategic Corporate Developments
  • Deutsche Bank AG - A Leading Player
• B. Market Analytics
  • Table 28: German Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4c. Italy

• A. Market Analysis
  • Current and Future Analysis
  • Italian Payment Cards Market - An Insight
  • Table 29: Italian Payment Cards Market (2003-2007E): Percentage Breakdown of Transaction Volume for Credit and Debit Cards (includes corresponding Graph/Chart)
  • Major Card Issuers in Italy
  • Card Statistics At a Glance
  • Payment Network
  • MasterCard Vs Visa
  • Impact of SEPA on Italian Debit Cards Market
  • Strategic Corporate Developments
• B. Market Analytics
  • Table 30: Italian Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4d. United Kingdom

• A. Market Analysis
  • Current and Future Analysis
  • Payment Cards Market in the UK - An Overview
  • Debit Card Vs Credit Cards
  • Debit Cards Drive Growth in the PaymentCards Arena
  • Table 31: UK Payment Cards Market (2004-2006): Percentage Breakdown of Transaction Volume by Type of Card for Debit Cards and Credit, Store and Charge Cards (includes corresponding Graph/Chart)
  • Debit Cards Outshine Credit Cards
  • Debit Cards Score Over Credit Cards…
  • Key Card Statistics for 2005
  • Card Associations in the UK
  • Table 32: Visa Payments Cards in the UK (2005): Percentage Breakdown of Number of Cards and Spending on Card for Debit and Credit Cards
  • Chip & PIN Technology Lowers Card Fraud Losses…
  • Table 33: Payment Cards Market in the UK (2005): Percentage Breakdown of Fraud Losses for UK-Issued Cards by Type of Fraud (includes corresponding Graph/Chart)
  • UK Payments Industry - A Historical Perspective
  • Waning Popularity of Cheques…
  • Table 34: UK Payments Industry (2000-2005): Number of ATMs Installed (in Thousands) by ATM Deployer (includes corresponding Graph/Chart)
  • Table 35: UK Payments Industry (1998-2005): Percentage Breakdown of Transaction Volume by Payment Method for Cash Payments, Non-Cash Payments and Others (includes corresponding Graph/Chart)
  • Table 36: UK Payment Cards Industry (1998-2003): Percentage Breakdown of Transaction Volume by Payment Method for Debit Cards, Credit and Charge Cards and Store Cards (includes corresponding Graph/Chart)
  • Debit Card Spending Continues to Rise….
  • Table 37: UK Payments Industry (2005): Consumer Spending (in £ Billion) at Retail Outlets by Payment Method for Debit Cards, Cash and Others (includes corresponding Graph/Chart)
  • Growing Demand for Prepaid Cards…
  • Use of Cards for Charitable Donations
  • Card Statistics for 2006 Christmas Season
  • UK to Introduce Contactless Cards for Low-ValueTransactions
  • Strategic Corporate Developments
  • Product Introductions
  • Focus on Select Players
  • Barclays Plc
  • HSBC Holdings Plc
  • Lloyds TSB Group Plc
  • The Royal Bank of Scotland Group Plc
  • S2 Card Services Ltd./Solo
• B. Market Analytics
  • Table 38: UK Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4e. Spain

• A. Market Analysis
  • Current and Future Analysis
  • Overview of Spanish Payment Cards Market
  • Debit Cards Market in 2005
  • Visa - The Leading Card Brand in Spain
  • Table 39: Spanish Payment Cards Market (2005): Percentage Breakdown of Number of Visa Cards for Credit Card, Debit Card and Commercial Card (includes corresponding Graph/Chart)
  • Interchange Reduction Compels Banks to RestructureCard Programs
• B. Market Analytics
  • Table 40: Spanish Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4f. Russia

• A. Market Analysis
  • Current and Future Analysis
  • Payment Cards Industry - Growth Despite InadequateBanking Services
  • Debit Card Usage Grows…
• B. Market Analytics
  • Table 41: Russian Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

4g. Rest of Europe

• A. Market Analysis
  • Current and Future Analysis
  • Absence of Interchange Lowers Income Levels inNorth Europe
  • Select Regional Markets - An Overview
  • Belgium
  • Mobile Phones As Debit Cards…
  • Finland
  • Ireland
  • Overview
  • Laser - The National Debit Card Scheme
  • Declining Share of Cheque-Based Payments…
  • Portugal
  • Visa Card Usage Grows in Portugal…
  • The Netherlands
  • Turkey
  • An Insight into Turkish Payment Cards Market
  • Credit Cards Hold Sway in Turkish PaymentsMarket
  • Advanced Infrastructure Facilities to Drive CardsMarket
  • Strategic Corporate Developments
  • Product Introductions
  • Focus on Select Players
  • ING Group N.V. (The Netherlands)
  • Laser Card Services Ltd. (Ireland)
  • SA Banksys NV (Belgium)
  • SSB SPA (Italy)
• B. Market Analytics
  • Table 42: Rest of Europe Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

5. Asia-Pacific

• A. Market Analysis
  • Current and Future Analysis
  • Asian Markets Drive Global Debit Card Adoption…
  • Asia Pacific - Major Contributor to Growth inVisa Debit and Prepaid Programs
  • Pakistan & Bangladesh Driving Growth forVisa Debit Cards
• B. Market Analytics
  • Table 43: Asia-Pacific Recent Past, Current and Future Analysis 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 Years 2003 through 2012 (includes corresponding Graph/Chart)
  • Table 44: Asia-Pacific 10-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 2003, 2007 & 2012 (includes corresponding Graph/Chart)

5a. Australia

• A. Market Analysis
  • Current and Future Analysis
  • Overview
  • RBA Introduces New Regulations for PaymentCards Industry
  • EMV Compliance & Technological AdvancementsHold Key to Growth
  • Debit Cards in Australia
  • Interchange Fee in Australia
  • RBA Implements New Standards forDebit Cards
  • Debit Card Fraud in Australia
  • Table 45: Debit Card Fraud in Australia (2006): Number of Frauds (In Thousands) and Value (In $ Million)
  • Table 46: Debit Card Fraud in Australia (2006): Number (In Thousands) and Value (In $ Million) by Type of Fraud for Lost/Stolen, Counterfeit/Skimming, Never Received and Others (includes corresponding Graph/Chart)
  • Product Introductions
• B. Market Analytics
  • Table 47: Australian Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

5b. China

• A. Market Analysis
  • Current and Future Analysis
  • China’s Bankcard Industry - An Overview
  • Bankcard Industry in China Witnesses ContinuousGrowth
  • Table 48: Bankcards Industry in China (2000-2005): Percentage Breakdown of Cards Issued by Payment Card for Debit and Credit Cards (includes corresponding Graph/Chart)
  • Rise in Personal Accounts Facilitate DebitCard Use…
  • Credit Cards in Nascent Stage…
  • Government Promotes Use of Bankcards
  • China Proposes New Bankcard Regulations
  • Major Trends
  • China’s Central Bank Reduces Service Charges forMigrant Workers
  • SARS Crisis Aids Growth in Card Utilization
  • Additional Services Ensure Continuous Growth forDebit Cards
  • Strategic Corporate Developments
  • China Merchants Bank Co., Ltd - A Major Player
• B. Market Analytics
  • Table 49: Chinese Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

5c. India

• A. Market Analysis
  • Current and Future Analysis
  • Financial Cards Industry in India
  • Table 50: Payment Cards Industry in India (2004-2005): Percentage Breakdown of Transaction Volume and Value for Debit Cards and Credit Cards (includes corresponding Graph/Chart)
  • Debit Cards - A Dominant Presence
  • Credit Cards to Drive Future Growth…
  • SBI Dominates Debit Card Issuance Scenario
  • Table 51: Debit Cards Market in India (2004-2006E): Percentage Breakdown of Leading Card Issuers by Number of Cards for SBI, ICICI, HDFC, UTI, Citibank and Others (includes corresponding Graph/Chart)
  • Table 52: Debit Cards Market in India (2005): Market Share (%) of Leading Banks by Transaction Volume for State Bank of India, ICICI, HDFC, UTI, Canara Bank, Citibank and Others (includes corresponding Graph/Chart)
  • Debit Cards Market - Enormous Opportunities forCard Issuers
  • Issues & Trends
  • Intensifying Competitive Environment…
  • Prepaid & Premium Cards - Potential for HigherDebit Card Utilization
  • Increased Adoption of Electronic Systems BoostsDemand for Debit Cards
  • Low Utilization Rates at POS Terminals…
  • Overcoming Infrastructure Challenges…
  • Focus Shifts to Smaller Towns & Cities
  • Visa Initiates ADP Program for DevelopingInfrastructure in Smaller Cities
  • SBI Promotes Debit Card Usage inSmall Cities
  • Indian Postal Department Proposes Debit Cardsfor MIS Accountholders
  • MasterCard & Visa Offer Differentiated Products…
  • Card Use for Routine Payments Grows…
  • Banks Promote Card Usage for Modernization ofBanking Operations
  • ICICI Bank Promotes Debit Cards to Save Planet
  • Visa Provides Zero Liability Protection Programfor Debit Cardholders
  • Strategic Corporate Developments
  • Product Introductions
• B. Market Analytics
  • Table 53: Indian Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

5d. Singapore

• A. Market Analysis
  • Current and Future Analysis
  • An Insight into Singapore’s Cards Market
  • Visa - The Dominant Card Brand
  • Product Introduction
• B. Market Analytics
  • Table 54: Singaporean Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

5e. Rest of Asia-Pacific

• A. Market Analysis
  • Current and Future Analysis
  • Select Regional Markets - An Overview
  • Malaysia
  • EMV Compliance Fosters Debit Card Growth…
  • Major Card Issuers in Malaysia
  • The Philippines
  • Growing Popularity of Debit Cards
  • Debit Cards for Payroll & Benefit RemittanceApplications
  • Thailand
  • Product Introductions
• B. Market Analytics
  • Table 55: Rest of Asia-Pacific Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

6. Latin America

• A. Market Analysis
  • Current and Future Analysis
  • Payments Industry in Latin America -An Introduction
  • Electronic Payment Systems Infrastructure inLatin America
  • Clearing House
  • Card Networks
  • An Overview of the Plastic Cards Market
  • Low Penetration of Banking Services - A MajorObstacle
  • Impact of Inter-Country Differences
  • Debit Cards Market in Latin America
  • The Beginning…
  • Banks & Governments Promote DebitCard Usage
  • Low Consumer Savings Imply Lesser POSTransactions
  • Debit Card Issuers Face the Heat fromCredit Cards
  • Visa’s Card Transactions Grow Rapidly inLatin America
• B. Market Analytics
  • Table 56: Latin America Recent Past, Current and Future Analysis for Debit Cards by Geographic Region - Brazil, Argentina, Mexico, Rest of Latin America Markets Independently Analyzed with Annual Number of Cards in Use in Million Years 2003 through 2012 (includes corresponding Graph/Chart)
  • Table 57: Latin America 10-Year Perspective for Debit Cards by Geographic Region - Percentage Breakdown by Cards in Use for Brazil, Argentina, Mexico, Rest of Latin America Markets for Years 2003, 2007 & 2012 (includes corresponding Graph/Chart)

6a. Argentina

• A. Market Analysis
  • Current and Future Analysis
  • Debit Cards Market in Argentina
  • BCRA Rule for Payroll Payments FacilitatesGrowth…
  • Economic Compulsions Drive Card Use…
• B. Market Analytics
  • Table 58: Argentinean Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

6b. Brazil

• A. Market Analysis
  • Current and Future Analysis
  • Overview
  • Table 59: Payment Cards Market in Brazil (2000-2005): Percentage Breakdown of Number of Payment Cards for Credit Cards, Debit Cards and Store Cards (includes corresponding Graph/Chart)
  • Table 60: Payment Cards Market in Brazil (2000-2005): Percentage Breakdown of Number of Card Transactions for Credit Cards, Debit Cards and Store Cards (includes corresponding Graph/Chart)
  • Table 61: Payment Cards Market in Brazil (2000-2005): Percentage Breakdown of Value of Card Transactions for Credit Cards, Debit Cards and Store Cards (includes corresponding Graph/Chart)
  • Product Introductions
• B. Market Analytics
  • Table 62: Brazilian Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

6c. Mexico

• A. Market Analysis
  • Current and Future Analysis
  • An Introduction to Mexican Payments System
  • Debit Cards Market in Mexico
  • A Preview
  • Debit Cards - Low Utilization Rates OffersGrowth Prospects
  • Banks Collaborate with Government Agencies toPromote Card Use
  • Product Introductions
• B. Market Analytics
  • Table 63: Mexican Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

6d. Rest of Latin America

• A. Market Analysis
  • Current and Future Analysis
  • A Brief Overview of Select Regional Markets
  • Chile
  • Colombia
  • Peru
  • Visa Debit Card Utilization Rates on the Rise…
  • Venezuela
  • Card Growth Hampered by Inadequate EPCClearance System
  • Product Introduction
• B. Market Analytics
  • Table 64: Rest of Latin America Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

7. Rest of World

• A. Market Analysis
  • Current and Future Analysis
  • Select Regional Markets - An Overview
  • South Africa
  • Resurgent Economic and Political ScenarioBoosts Consumer Confidence…
  • Debit Cards - Driving Force for FinancialCards Market
  • Large Un-banked Population - Potential forDebit Cards Market Growth
  • Fighting Card Fraud with EMV Compliance…
  • Kenya
  • Inadequate Telecom Infrastructure - A MajorObstacle for Debit Card Usage
  • Visa - The Sole Provider of Debit Cards
  • Rise in Debit Card-Based Online PaymentsAcross the Middle East…
  • Growing Demand for Debit CardsAcross Egypt…
  • Strategic Corporate Developments
  • Product Introductions
• B. Market Analytics
  • Table 65: Rest of World Recent Past, Current & Future Analysis for Debit Cards Market Independently Analyzed with Annual Number of Cards in Use in Million for Years 2003 through 2012 (includes corresponding Graph/Chart)

COMPETITIVE LANDSCAPE