Canadian Payments Forecast - 2009

Table of Contents

• EXECUTIVE SUMMARY
• INTRODUCTION
• Objectives of the Study
• Research Methodology
• A Note on Forecasts
• Currency
• Acknowledgements
• PAYMENTS IN CANADA
• Introduction
• Cash Payments
• Cheques
• Debit Card Payments
• Cross-border Debit
• Credit Card Payments
• Card Issuance and Circulation
• Card Volumes
• Cardholder Acquisition
• Prepaid and Secured Credit Cards
• Merchant Acceptance of Credit Cards
• Online Payments and Transfers
• Online Purchases
• Online Payments
• Mobile and Contactless Payments
• MasterCard PayPass
• Visa PayWave
• Other Mobile Payments Initiatives in Canada
• Canadian Consumer Payments in Perspective
• KEY DEVELOPMENTS IN THE CANADIAN PAYMENTS INDUSTRY
• Introduction
• Fraud
• Credit Card Fraud
• Debit Card Fraud
• Cheque Fraud
• Counterfeiting
• Duality
• Impact of Non-Duality
• Impact of Duality
• Duality and EMV
• Interchange and the Merchant
• Discount Rate
• Interac as a .For-Profit. Company
• PROSPECTS FOR CONSUMER PAYMENTS IN CANADA
• Introduction
• The Canadian Economy
• The Outlook for Gross Domestic Product
• Personal Expenditure on Consumer
• Goods and Services
• REPORT PRICING
• Electronic Copy
• Retail Sales in Canada
• Payments Forecast
• ABM Equipment and
• Transaction Forecast
• Cash Payments Forecast
• Cheque Payments Forecast
• Debit Card Payments Forecast
• Credit Card Payments Forecast
• Cross-Border Debit Forecast
• Online Payments Forecast
• Mobile and Contactless Payments Forecast
• Payments Forecasts in Context

List of Figures

• Canadian Banknotes and Coin in Circulation
• ABM.s in Canada, by Ownership
• Cash Withdrawals at ABM.s In Canada
• Cash-based Retail Payment Transaction
• Volume and Value of Cheques Cleared through the ACSS in Canada
• Number of IDP Users (1992 . 2008)
• Volume and Value of IDP Transactions
• Debit Card Transactions by Sector
• Share of Transactions Volumes at Retail Outlets
• Share of Transaction Values at retail Outlets
• Canadian Travelers to the USA vs. USD/CAD Exchange Rate
• Cross Border Debit Transactions by Canadian Travelers to the USA (2004 . 2008)
• Number of Credit Cards in Circulation in Canada (2008)
• Number of VISA and MasterCard Cards Issued in Canada
• VISA and MasterCard Cards Issued in Canada (2000 . 2008)
• Credit Card Transaction Volumes and Net Retail Volume
• Share of Purchase Transaction Volumes
• Comparison of VISA and MasterCard
• Credit Card Mail Solicitations to US Households (1990 . 2008)
• Canadian Credit Card Loans (1998 . 2008)
• Number of Merchant Outlets Accepting VISA or MasterCard
• Transfer and Bill Payments by Delivery Channel (2002 . 2008)
• Share of Transfer and Bill Payment by Delivery Channel (2002 . 2008)
• Total Canadian Online Sales (2000 . 2008)
• Selected Online Activities of Home Internet Users in Canada (2005 and 2007)
• Online Canadian Consumer Ordering Patterns (2005 and 2007)
• Value and Volume of Online Purchase Payments in Canada (2001 . 2008)
• Number of Interac Online Merchants by Category
• Mobile Phone Handset Configurations for Near Field Communications
• Share of Electronic Transactions through the ACSS . Value (1990 . 2007)
• Share of Electronic Transactions through the ACSS . Vol. (1990 . 2007)
• Share of Personal Consumption Expenditure by Payment Type
• Payment Transactions on Personal Consumption Expenditure by Payment Instrument
• Consumer Preferences for Payment Method
• Credit Card Fraud in (1983 - 2008)
• Credit Card Fraud as a Percentage of Retail and Cash Advance Dollar Volumes
• Breakdown of Credit Card Fraud by Type (2007)
• Credit and Debit Card Fraud in Canada (2002 . 2008)
• Face Value of Counterfeit Notes Detected (1996 . 2008)
• Annual Change in GDP and Personal Expenditure (1962 . 2008)
• Forecast Real Growth in Canadian GDP (2009 . 2013)
• Canadian Consumer Confidence Index
• Forecast Real Growth in Canadian GDP and PCE (2009 . 2013)
• Components of Personal Consumer Expenditure (2008)
• US Consumer Spending Cutbacks in Recessions
• Canadian Non-Auto Retail Sales by Sector (2008)
• Average Annual Growth in Retail Sales by Sector (2001 . 2008)
• Projected Growth in Canadian Retail Sales (2009)
• Forecast Number of ABM.s in Canada (2009 . 2013)
• Forecast Volume and Value of Cash Withdrawals at ABM.s in Canada (2009 . 2013)
• Forecast of Cash-based Retail Payment Transaction Volumes in Canada (2009 . 2013)
• Forecast Volume and Value of Cheques Cleared through the ACSS in Canada (2009 . 2013)
• Forecast Number of Debit Cards in Circulation and Number of IDP users (2009 . 2013)
• Forecast Number of IDP Terminals (2009 . 2013)
• Forecast Annual Volume and Value of Interac Direct Payment Transactions (2009 . 2013)
• Forecast Number of Credit Cards in Circulation and Number of Active Cards (2009 . 2013)
• Forecast Number of Merchant Outlets Accepting VISA or MasterCard (2009 . 2013)
• Forecast Annual Volume and Value of Credit Card Transactions (2009 . 2013)
• Forecast Cross Border Debit Transactions by Canadian Travelers to the USA (2009 . 2013)
• Forecast Value and Volume of Online Purchase Payments in Canada (2009 . 2013)
• Forecast Credit Card and Alternative Payments for Online Purchases (2009 . 2013)
• Forecast Contactless Payment Cards and Terminals (2009 . 2013)
• Forecast Share of Personal Consumption Expenditure by Payment Type in Canada (2009 . 2013)
• Forecast Number of Payment Transactions by Payment Instrument (2009 . 2013)
• Forecast CAGR for Different Payment Instruments (2008 . 2013)
• Forecast Growth for Key Payment Segments (CAGR: 2008 . 2013)

List of Tables

• Debit Card Payment by Sector (2007)
• Shares of Debit Card Payments by Sector (2007)
• Terminal Intensity and Transaction Volume Averages by Sector (2007)
• Change in Debit Card Locations, Terminal, Transactions and Values from 2005 to 2007
• Primary Issuers of Visa and MasterCard in Canada
• Canadian Tire Financial Services Credit Card Portfolio vs. VISA/MasterCard Universe (2008)
• Credit Card Loans of the Major Credit Card Issuers in Canada (2008)
• Secured Credit Card Issuers and Offers in Canada
• Prepaid Credit Card Issuers in Canada
• Differences between Reloadable and Non-Reloadable Prepaid Credit Cards Offers in Canada
• Online Orders in Canada (2005 and 2007)
• Characteristics of Selected Alternative Online Payment Mechanisms
• Global PayPass Statistics (Q3 2008)
• Anchor PayPass Merchants in Canada
• VISA PayWave Statistics (Q2 2008)