Cards and Consumer Finance in Western Europe 2008

A Lafferty Report

Publication Date	September 2008
Publisher	Lafferty Group
Product Type	Report
Pages	850
ISBN Number	not applicable
Product Code	LFY00040

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Summary

Introduction

Lafferty Cards & Consumer Finance in Western Europe 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 5 regional studies: cards markets, consumer finance, credit cards profit pools, credit cards issuers and merchant acquiring and processing. It also contains 16 country studies: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, The Netherlands, Norway, Portugal, Spain, Sweden, Switzerland and the United Kingdom. The report is reader-friendly through the use of a bullet point format and graphs, pie charts and tables to help illustrate key data.

Highlights:

The research demonstrates major differences in the provision of consumer finance in Western Europe in each of the key areas. Just looking at indebtedness rates as a ratio of consumer credit outstandings to personal disposable income reveals a range between 38 percent for Italy and 227 percent in the Netherlands. In some markets the ratio is driven by high levels of mortgage lending. Where this is the case it is identified by the data, as is the contribution of credit card lending to overall indebtedness.

The findings paint a comprehensive picture of Western Europes complex cards and consumer finance market. The research highlights the key components of consumer borrowing including personal loans, auto finance, credit cards and mortgages. In the card area, it also highlights debit and credit card usage figures (including the extent to which credit cards are used as a lending instrument), identifies major card issuers and their market share, and examines the various ways in which cards transactions are acquired and processed within the region, whether in-house or outsourced to a specialist processing company.

The research identifies factors that will impact on profitability. These include regulatory changes, changes in loss experience and other external factors.

It also considers best practice. This includes cases where card issuers have used innovative marketing techniques such as segmentation of reward schemes to extend card usage. It also examines cases where card issuers have encouraged existing cardholders to use the revolving credit facility rather than to use the card solely as a payment instrument.

Content

I . Executive Summary
I I . Regional Overview
1. Cards in Western Europe 2008
Payment Cards
- Payment Card Holdings per Adult
- Payment Card Numbers by Type
- Average Total Billed Volume by Card Type
- Payment Card Metrics:
  - POS and Atm Billed Volume
  - POS and Atm Transactions
  - POS and Atm Average Transaction Values
- Payment Card POS / Atm Ratio
Credit Cards
- Credit Card Metrics:
  - POS and Atm Billed Volume
  - POS and Atm Transactions
  - POS and Atm Average Transaction Values
- Credit Card Market Share
- Credit Card Average Transaction Value
- Credit Card Profitability Indicators:
  - Rollover Rate Outstandings
  - Net Credit Loss Rate
  - Interchange Rate
- Credit Card Rollover Rate
- Credit Card Net Credit Loss Rate
- Credit Card POS / Atm Ratio
Debit Cards
- Debit Card Metrics:
  - POS and Atm Billed Volume
  - POS and Atm Transactions
  - POS and Atm Average Transaction Values
- Debit Card POS / Atm Ratio
- Debit Card Average Transaction Value
2. Consumer Finance in Western Europe 2008
Consumer Indebtedness
- Consumer Finance Outstandings and Indebtedness:
  - Personal Disposable Income
  - Mortgage Outstandings
  - Non-Mortgage Outstandings
  - Indebtedness Levels
  - Average Debt per Household
- Indebtedness Levels by Type of Debt
- Total Outstandings and Indebtedness Levels by Market
- Mortgage Outstandings and Indebtedness Levels by Market
- Non-Mortgage Outstandings and Indebtedness Levels by Market
- Credit Card Outstandings and Indebtedness Levels by Market
Consumer Finance Outstandings
- Consumer Finance Outstandings by Product
- Consumer Finance Outstandings by Market
- Country Share by Total Outstandings
3. Credit Cards Profit Pools in Western Europe 2008
- Profit Pool
- Profit per Card
- Return on Outstandings by Market
- Profit Margin by Market
- Regional Profit Pool Share by Market
4. Credit Cards Issuers in Western Europe 2008
- Key Issuers Market Shares
- Credit Card Issuing Cagr
5. Merchant Acquiring & Processing in Western Europe 2008
Merchant Acquiring
- Merchant Service Charge
- Merchant Acquirer Credit Card Market Share Merchant Accounts
- Merchant Acquirer Credit Card Market Share Billed Volume
- Merchant Acquirer Credit Card Market Share Transactions
- Average Transaction Value by Merchant Acquirer
Processing
- Credit Card Issuing Processor Market Share by Cards
- Credit Card Acquiring Processor Market Shares by Transactions
I I I . Cards and Consumer Finance Western Europe
Country Reports 2008
- Austria
- Belgium
- Denmark
- Finland
- France
- Germany
- Greece
- Ireland
- Italy
- The Netherlands
- Norway
- Portugal
- Spain
- Sweden
- Switzerland
- United Kingdom