ATM Transactions in South Africa
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2011.3
摘要
About this Report
This Euromonitor market report provides market trend and market
growth analysis of the ATM Cards industry in South Africa. With this
market report, you’ll be able to explore in detail the changing
shape and potential of the industry. You will now be able to plan and
build strategy on real industry data and projections.
The ATM Cards in South Africa market research report includes:
* Analysis of key supply-side and demand trends
* Historic volumes and values
* Five year forecasts of market trends and market growth
* Robust and transparent market research methodology,
conducted in-country
Our market research reports answer questions such as:
* What is the market size of ATM Cards in South Africa?
* What are the major operators and issuers in South Africa?
* How do consumer payment trends regarding cash factor into
the use of ATM cards?
* What innovative banking services are available at ATMs?
* What are the growth prospects for ATM?
Why buy this report?
* Gain competitive intelligence about market leaders
* Track key industry trends, opportunities and threats
* Inform your marketing, brand, strategy and market
development, sales and supply functions
Euromonitor’s industry reports, including ATM Cards in South Africa,
originate from our database within our Consumer Finance market share
and market size database, Passport, a platform which analyses
Consumer Finance in 46 countries and globally.
Each report is delivered with the following components:
Report: PDF and Word
Market statistics: Excel workbook
Sample Analysis
TRENDS
* In the review period, the usability of ATMs increased
dramatically. There have been many improvements to both software and
functionality, allowing South African consumers to transcend the
‘ATM equals cash’ mindset. Consumers are now able to pay for
utilities, recharge mobile devices and internet services, transfer to
a number of previously set-up linked accounts, and even pay traffic
fines with their ATM cards. This has turned ATMs into a more well-
rounded transaction offering which consumers perceive to be far more
convenient than having to do a number of individual transactions at
multiple stores. This trend is more prevalent amongst younger, more
tech-savvy generations, whereas older, rural consumers seem less
comfortable with multi-functionality and still prefer to see ATM
cards for the cash they represent.
COMPETITIVE LANDSCAPE
* One of the key advertising campaigns relating to ATMs in
2010 came from Capitec. The company has minimal ATM infrastructure of
its own compared to the other major banks in the country; however,
Capitec seems to have aligned itself with major retailers, most
prominently Pick ‘n Pay and PEP, and offers free cash-back at tills.
Intrinsically, Capitec is developing a cash-back culture rather than
installing new infrastructure to compete with the big four.
PROSPECTS
* Although there is certainly a trend towards cashless
transactions in some market segments, it is unlikely that the need
for cash in South Africa will be eliminated in the forecast period.
The informal sector in the country is very large and is unlikely to
make a transition to a cashless culture in the forecast period.
Although a significant portion of the informal sector is present in
rural areas and amongst lower-income groups, there is a surprisingly
strong informal sector in the country’s major cities and urban areas.
Informal markets are deeply ingrained in black South African culture
and, as long as the majority of the population prefers to transact in
this manner, the need for ATMs will continue. Compounding this is the
black market in South Africa, which some analysts suggest could make
up as much as 15% of the economy’s total value transactions. Whether
the percentage is really as high as this or not, it certainly
contributes to the use of cash.
目录
Table of Contents
ATM Transactions in South Africa - Category Analysis
HEADLINES
TRENDS
In the review period, the usability of ATMs increased dramatically.
There have been many improvements to both software and functionality,
allowing South African consumers to transcend the ‘ATM equals cash’
mindset. Consumers are now able to pay for utilities, recharge mobile
devices and internet services, transfer to a number of previously
set-up linked accounts, and even pay traffic fines with their ATM
cards. This has turned ATMs into a more well-rounded transaction
offering which consumers perceive to be far more convenient than
having to do a number of individual transactions at multiple stores.
This trend is more prevalent amongst younger, more tech-savvy
generations, whereas older, rural consumers seem less comfortable
with multi-functionality and still prefer to see ATM cards for the
cash they represent.
COMPETITIVE LANDSCAPE
One of the key advertising campaigns relating to ATMs in 2010 came
from Capitec. The company has minimal ATM infrastructure of its own
compared to the other major banks in the country; however, Capitec
seems to have aligned itself with major retailers, most prominently
Pick ‘n Pay and PEP, and offers free cash-back at tills.
Intrinsically, Capitec is developing a cash-back culture rather than
installing new infrastructure to compete with the big four.
PROSPECTS
Although there is certainly a trend towards cashless transactions in
some market segments, it is unlikely that the need for cash in South
Africa will be eliminated in the forecast period. The informal sector
in the country is very large and is unlikely to make a transition to
a cashless culture in the forecast period. Although a significant
portion of the informal sector is present in rural areas and amongst
lower-income groups, there is a surprisingly strong informal sector
in the country’s major cities and urban areas. Informal markets are
deeply ingrained in black South African culture and, as long as the
majority of the population prefers to transact in this manner, the
need for ATMs will continue. Compounding this is the black market in
South Africa, which some analysts suggest could make up as much as
15% of the economy’s total value transactions. Whether the
percentage is really as high as this or not, it certainly contributes
to the use of cash.
CATEGORY DATA
Table 1 ATM Cards Category Performance: 2005-2010
Table 2 ATM Cards Category Performance: Number of Cards in
Circulation 2005-2010
Table 3 ATM Cards Category Performance: % Growth 2005-2010
Table 4 ATM Cards in Circulation Category Performance: % Growth 2005-
2010
Table 5 ATM Cards Forecast Category Performance: 2010-2015
Table 6 ATM Cards Forecast Category Performance: Number of Cards in
Circulation 2010-2015
Table 7 ATM Cards Forecast Category Performance: % Growth 2010-2015
Table 8 ATM Cards in Circulation Forecast Category Performance: %
Growth 2010-2015
Financial Cards and Payments in South Africa - Industry Context
EXECUTIVE SUMMARY
South Africa upgrades financial card infrastructure and functionality
Debit cards shows good value growth
Pre-paid continues performing well
Visa's 2010 FIFA World Cup sponsorship pays off
PayPal enters South Africa
Big banks’ dominance under threat in the forecast period
KEY TRENDS AND DEVELOPMENTS
Economic overview in relation to financial cards
FIFA World Cup technology boost
Big four is being challenged by smaller players
Cash still popular for lower-income consumers
Debit transactions posts stronger growth than credit card
transactions
Certain financial card crimes are increasing
E-Commerce and M-Commerce show good growth but from small bases
MARKET INDICATORS
Table 9 Number of POS Terminals 2005-2010
Table 10 Number of ATMs 2005-2010
Table 11 Value Lost to Fraud 2005-2010
Table 12 Card Expenditure by Location 2010
Table 13 Card Expenditure by Category 2010
Table 14 Financial Cards in Circulation by Type: % Number of Cards
2005-2010
Table 15 Domestic versus Foreign Spend 2010
MARKET DATA
Table 16 Consumer Payments: Value 2005-2010
Table 17 Consumer Payments: Number of Transactions 2005-2010
Table 18 Financial Cards: Number of Cards in Circulation 2005-2010
Table 19 Financial Cards Transactions: Value 2005-2010
Table 20 Financial Cards: Number of Transactions 2005-2010
Table 21 Financial Cards: Number of Accounts 2005-2010
Table 22 Financial Cards: Number of Cards by Issuer 2005-2009
Table 23 Financial Cards: Number of Cards by Operator 2005-2009
Table 24 Financial Cards: Card Payment Transaction Value by Operator
2005-2009
Table 25 Financial Cards: Card Payment Transaction Value by Issuer
2005-2009
Table 26 Consumer Payments Forecast: Value 2010-2015
Table 27 Consumer Payments Forecast: Number of Transactions 2010-2015
Table 28 Financial Cards Forecast: Number of Cards in Circulation
2010-2015
Table 29 Financial Cards Forecast: Value 2010-2015
Table 30 Financial Cards Forecast: Number of Transactions 2010-2015
Table 31 Financial Cards Forecast: Number of Accounts 2010-2015
DEFINITIONS
ATM function
Debit function
Credit function
Commercial credit cards
Charge card function
Commercial charge cards
Open Loop pre-paid function
Closed Loop pre-paid function
Store cards
Pre-paid
Contact Smart Card
Contactless Smart Card
Card Expenditure by Location
Card Expenditure by Sector
Domestic versus Foreign
Value lost to fraud
Summary 1 Research Sources