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Globale Trends bei Zahlkarten

Global Trends in the Payment Card Industry 2012

Globale Trends im Bereich von Bankkarten, Debit Cards und Kreditkarten

Globale Trends bei Karten

Drei Studien zu den wesentlichen Herausforderungen im Bereich Karten jeweils aus Sicht von Acquirer, Issuer und Processor.

Acquirers

Despite uncertainties around global economic recovery, the card payments industry continues to show high growth rates globally. Card transactions continue to increase, driven by consumer preference for non-cash transactions. Cards are now increasingly being used for low-value transactions, and with significant growth in online and mobile commerce, card payments are expected to continue to show growth in the near future.

In this paper we explore how the merchant acquiring industry is undergoing a sea of change mostly driven by several factors: changing payment needs of merchants; consumer’s preference to shop online; a rapid increase in mobile commerce; and the emergence of non-banking players. Acquirers are also facing regulatory compliance pressures, and fraud and security concerns continue to challenge the industry.

Die Studie „Global Trends in the Payment Card Industry 2012: Acquirers“ kann hier herunter geladen werden.

Issuers

Despite the ongoing economic crisis, cards transaction volumes globally have been increasing mainly due to strong growth in Asia Pacific, Latin America, and other emerging markets. Card transaction volumes are expected to continue to grow, with Brazil, China and other Asia Pacific regions being the main contributors. The average transaction value, however, is declining due to the geographic expansion of cards into emerging countries, and tapping into a low value segment–competing with cash—in mature economies.

This paper explores trends for card issuers in 2012. In terms of driving card industry growth, mobile and contactless payments are expected to be the fastest growing segments going forward. In addition, technological advancements and innovations coupled with fraud protection measures are expected to further drive expansion in the cards industry. With the increasing adoption of smart phones and ease of access to internet, consumer preferences have shifted towards mobile-based payments over physical credit and debit cards. More users are opting for mobile channels to make their daily payments, and to manage various aspects of both their business and personal activities. This trend makes it a high priority for issuers to protect these mobile transactions from any kind of fraud and security breaches.

Die Studie „Global Trends in the Payment Card Industry 2012: Issuers“ kann hier herunter geladen werden.

Processors

Despite uncertainties around the global economic recovery, the card payment industry continued to show high growth rates worldwide in 2011. Throughout 2011, card transactions continued to increase driven by consumer preference for non-cash transactions. Cards are now increasingly used for low-value transactions, and with significant growth in online and mobile commerce, card payments are expected to grow strongly in the near future. The stakeholders in the card industry–including acquirers, card processors, and card issuers—are all witnessing shifting trends due to changing customer preferences as well as technological advancements and innovations.

This paper discusses industry trends of interest to cards processors including how processors can play an important role in reducing fraud losses through increased investments in fraud detection and prevention technologies. In addition to security concerns, card processors can offer differentiated value-added services in several areas including: fraud and risk management; business data analytics; and loyalty programs to increase profitability.

Die Studie „Global Trends in the Payment Card Industry 2012: Processors“ kann hier herunter geladen werden.

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