Cards and Consumer Finance in Germany 2008

A Lafferty Report

Publication Date	September 2008
Publisher	Lafferty Group
Product Type	Report
Pages	30
ISBN Number	not applicable
Product Code	LFY00029

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Summary

Lafferty Cards & Consumer Finance in Germany 2008

Introduction

Lafferty Cards & Consumer Finance in Germany 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 German consumers have been conservative in accruing debt and have relied on overdrafts for their short-term borrowing needs.

Traditionally, cards have not been as popular as a form of borrowing, although this is gradually starting to change.

The younger generation is seen as a main target for growth in credit card usage.

Revolving credit products continue to face an uphill battle in penetrating the German market, although there have been some signs of growth.
Foreign issuers have been more active in developing and promoting credit cards, although recently some domestic issuers have shifted focus towards revolving card products.

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