Cards and Consumer Finance in The Netherlands 2008

Lafferty Cards & Consumer Finance in The Netherlands 2008

Introduction

Lafferty Cards & Consumer Finance in The Netherlands 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 Mortgages form a very high proportion of total consumer borrowing in the Netherlands.

The market has a very high level of total indebtedness to personal disposable income due to high levels of mortgage lending.

Consumers still view non-mortgage credit negatively, and this is reflected in the low level of non-indebtedness.

Despite healthy revolving credit card growth between 2003 and 2006, the Netherlands remains - in the short-term - a debit (and deferred debit) card market.
Consumers in the Netherlands typically use credit cards to access credit lines under the interest-free period and to purchase higher value products and services, rather than using the card as a payment instrument.