ATM Transactions in Malaysia
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2011.1
摘要
About this Report
This Euromonitor market report provides market trend and market
growth analysis of the ATM Cards industry in Malaysia. 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 Malaysia 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 Malaysia?
* What are the major operators and issuers in Malaysia?
* 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 Malaysia,
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
* There was a slight trend towards cash payments towards the end
of the review period, in the wake of the economic downturn. The
government and media encouraged consumers to become more prudent in
their spending habits, with the government notably introducing a
service tax on credit cards and debit cards in 2010. A growing number
thus opted to withdraw their weekly or daily budgets and spend in
cash. This trend supported ongoing growth for ATM cards during the
economic downturn seen towards the end of the review period, although
there was perhaps inevitably a decline in growth rates in comparison
to the time of the economic boom at the start of the review period.
In 2010, there was 8% rise in ATM transaction volume and 5% growth in
current value, with this supported by a growing number withdrawing
cash on a weekly basis in order to better budget their expenditure.
COMPETITIVE LANDSCAPE
* Malayan Banking and CIMB are the leading players in ATM cards,
due to these banks having the largest customer base and the largest
ATM networks. In 2010, Malayan Banking had over 2,700 ATMs operating
in Malaysia, while CIMB operated over 2,100 machines. CIMB saw the
strongest growth in ATM unit volume in 2010 over the previous year,
as the bank invested in upgrading and expanding its network.
PROSPECTS
* There is expected to be continued migration from ATM-only cards
to debit cards during the forecast period. A growing number of
consumers will be attracted by dual-purpose Visa or MasterCard debit
cards, with Malayan Banking pushing for strong growth in cardholders
for its Visa Debit card. In addition, other leading banks are
expected to launch dual-purpose debit-ATM cards during the forecast
period, with strong marketing likely to boost consumer awareness and
uptake for these cards.
目录
Table of Contents
ATM Transactions in Malaysia - Category Analysis
HEADLINES
TRENDS
There was a slight trend towards cash payments towards the end of the
review period, in the wake of the economic downturn. The government
and media encouraged consumers to become more prudent in their
spending habits, with the government notably introducing a service
tax on credit cards and debit cards in 2010. A growing number thus
opted to withdraw their weekly or daily budgets and spend in cash.
This trend supported ongoing growth for ATM cards during the economic
downturn seen towards the end of the review period, although there
was perhaps inevitably a decline in growth rates in comparison to the
time of the economic boom at the start of the review period. In 2010,
there was 8% rise in ATM transaction volume and 5% growth in current
value, with this supported by a growing number withdrawing cash on a
weekly basis in order to better budget their expenditure.
COMPETITIVE LANDSCAPE
Malayan Banking and CIMB are the leading players in ATM cards, due to
these banks having the largest customer base and the largest ATM
networks. In 2010, Malayan Banking had over 2,700 ATMs operating in
Malaysia, while CIMB operated over 2,100 machines. CIMB saw the
strongest growth in ATM unit volume in 2010 over the previous year,
as the bank invested in upgrading and expanding its network.
PROSPECTS
There is expected to be continued migration from ATM-only cards to
debit cards during the forecast period. A growing number of consumers
will be attracted by dual-purpose Visa or MasterCard debit cards,
with Malayan Banking pushing for strong growth in cardholders for its
Visa Debit card. In addition, other leading banks are expected to
launch dual-purpose debit-ATM cards during the forecast period, with
strong marketing likely to boost consumer awareness and uptake for
these cards.
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 Malaysia - Industry Context
EXECUTIVE SUMMARY
Strong growth due to economic growth and innovation
Service tax on credit and debit cards causes concern
Rapid economic recovery supports growth
Citigroup and Malayan Banking compete at top
Investment and economic growth expected for forecast period
KEY TRENDS AND DEVELOPMENTS
Financial Sector Master Plan offers opportunities and challenges
Strong economic performance supports growth
Islamic banking attracts new consumers to financial cards
Widening scope for contactless payments
Service tax hinders credit and charge cards
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
APPENDIX
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