Cards and Consumer Finance in Finland 2008

A Lafferty Report

Publication Date	September 2008
Publisher	Lafferty Group
Product Type	Report
Pages	30
ISBN Number	not applicable
Product Code	LFY00027

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Summary

Lafferty Cards & Consumer Finance in Finland 2008

Introduction

Lafferty Cards & Consumer Finance in Finland 2008 is the most comprehensive research available on consumer finance and credit cards in the market. A mixture of quantitative and qualitative methods is used by a dedicated team of in-house researchers and analysts to produce accurate and unbiased data. It comprises of 11 sections: key facts, demographics, the economy, consumer credit market, cards market, credit cards profit pool, pricing and enhancements, networks, credit cards issuers, merchant acquiring & processing and other cards market information. The report is reader friendly through the use of a bullet point format and graphs, pie charts and tables to help illustrate key data. Industry experts are always on hand to talk you through any data queries.

Highlights Finland has witnessed a doubling of credit cards since 2002 rising to 4.2 million at the end of 2007.

A key feature of the payment cards market in Finland is the popularity of dual function debit and credit cards. However, activity on the credit function of such cards has been low, resulting in relatively low spend levels and a low rate of borrowing.
In the face of such challenges, some issuers have adopted a more entrenched method for encouraging credit card usage, and particularly borrowing. The package current account model - whereby credit cards are bundled with other banking products - has been adopted by several banks.
Finland has a low household debt to income ratio compared to other markets in Western Europe.
Personal loans remain the favoured non-mortgage borrowing tool. The credit card market is dominated by retail and local cards.

Content

Report Contents
below Is a Standard Country Template for Guidance Purposes. Constraints in Data Availability May Exist in Certain Markets, However Where Possible Estimates Will Be Provided.
1. Key Facts
2. Demographics:
- Population Metrics
- Ownership of Key Consumer Goods
- Internet Usage by Population
3. Economic Indicators:
- Major Economic Indicators
4. Consumer Credit Market:
- Consumer Credit Outstandings and Indebtedness
- Consumer Credit Outstandings by Product
5. Cards Market:
- Card Holdings per 100 Adult
- Card Numbers by Type
- Credit Cards Metrics
- Credit Cards Profitability Indicators
- Debit Cards Metrics
6. Profit Pool:
- Profit Pool
7. Pricing & Enhancements:
- Card Pricing and Enhancements
8. Networks:
- Networks Credit Card Market Shares
- Networks Credit Card Numbers
- Networks Credit Card Billed Volume
- Number of Credit Card Transactions
- Networks Average Credit Card Transaction Value
- Credit Card Interchange Fees by Network
- Networks Debit Card Market Shares
- Networks Debit Card Numbers
- Networks Debit Card Billed Volume
- Networks Number of Debit Card Transactions
- Networks Average Debit Card Transaction Value
- Debit Card Interchange Fees by Network
9. Key Issuers:
- Key Issuers Market Shares
10. Merchant Acquiring & Processing:
- Merchant Acquirer Credit Card Market Share
- Merchant Service Charges
- Credit Card Issuer / Acquirer / Processor Relationships
- Credit Card Acquiring Processor Market Shares by Card Numbers
- Credit Card Acquiring Processor Market Shares by Number of POS Transactions