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     Debit Transactions in Portugal
 联系购买电话:010-82863480 公司名称:佐思信息 公司地址:北京市海淀区
        苏州街 18 号院长远天地大厦 A2 座 1008-1 室(100080)
2010.11

摘要

About this Report

This Euromonitor market report provides market trend and market
growth analysis of the Debit Cards industry in Portugal. 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 Debit Cards in Portugal market research report includes:

    * Analysis of key supply-side and demand trends
    * Historic volumes and values, company and brand market shares
    * 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 Debit Cards in Portugal?
    * What are the major operators and issuers in Portugal?
    * How successful has debit been in competing with other card
forms?
    * How will consumer behavior shape the debit market?
    * What are the growth prospects for debit?

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 Debit Cards in Portugal,
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

    * Due to the effects of the economic crisis, the Portuguese have
been using their credit cards less and this has affected the number
of debit cards and debit transactions in a positive way. Besides
having affected consumption patterns, payment habits have also
changed as credit is seen as less of an option. As the growth rate of
non-performing loans grows in double-digit figures, banks are
becoming stricter about granting credit cards, preferring to promote
debit and other financial cards.

COMPETITIVE LANDSCAPE

    * Caixa Geral de Depositos continued to be the leading issuer of
debit cards in 2009. The main reason for such continued dominance is
mostly historic, as Caixa Geral de Depositos is state owned. This has
always portrayed Caixa Geral de Depositos as the most trustworthy
bank. In addition, the strategic focus on younger members of the
population – offering not only debit cards tied to different
universities, but also attractive mortgage conditions for young
professionals – has also strengthened its position.

PROSPECTS

    * The number of debit cards in circulation is expected to grow at
a 3% CAGR over the forecast period to reach 20.5 million in 2015,
however, with a greater increase of debit card transactions. The
younger members of the population should be responsible for the most
part of this growth as debit cards have already achieved full
maturity amongst the older members of the population (above 25), with
each person having an average of 1.6 debit cards, according to trade
press. As the economy starts to recover, this should affect primarily
the retail volume of debit transactions, due to the already large
penetration of debit cards amongst the Portuguese.
目录

Table of Contents
Debit Transactions in Portugal - Category Analysis
HEADLINES
TRENDS
•    Due to the effects of the economic crisis, the Portuguese have
been using their credit cards less and this has affected the number
of debit cards and debit transactions in a positive way. Besides
having affected consumption patterns, payment habits have also
changed as credit is seen as less of an option. As the growth rate of
non-performing loans grows in double-digit figures, banks are
becoming stricter about granting credit cards, preferring to promote
debit and other financial cards.
COMPETITIVE LANDSCAPE
•    Caixa Geral de Depositos continued to be the leading issuer of
debit cards in 2009. The main reason for such continued dominance is
mostly historic, as Caixa Geral de Depositos is state owned. This has
always portrayed Caixa Geral de Depositos as the most trustworthy
bank. In addition, the strategic focus on younger members of the
population – offering not only debit cards tied to different
universities, but also attractive mortgage conditions for young
professionals – has also strengthened its position.
PROSPECTS
•    The number of debit cards in circulation is expected to grow at
a 3% CAGR over the forecast period to reach 20.5 million in 2015,
however, with a greater increase of debit card transactions. The
younger members of the population should be responsible for the most
part of this growth as debit cards have already achieved full
maturity amongst the older members of the population (above 25), with
each person having an average of 1.6 debit cards, according to trade
press. As the economy starts to recover, this should affect primarily
the retail volume of debit transactions, due to the already large
penetration of debit cards amongst the Portuguese.
CATEGORY DATA
Debit Transactions in Portugal - Company Profiles
Banco Espirito Santo SA - Financial Cards and Payments - Portugal
STRATEGIC DIRECTION
KEY FACTS
COMPANY BACKGROUND
COMPETITIVE POSITIONING
•    Summary 3 Banco Espirito Santo SA: Competitive Position 2009
Banco Portugues de Investimento SA - Financial Cards and Payments -
Portugal
STRATEGIC DIRECTION
KEY FACTS
COMPANY BACKGROUND
COMPETITIVE POSITIONING
•    Summary 6 Banco Português de Investimento SA: Competitive
Position 2009
Caixa Geral de Depositos, Grupo - Financial Cards and Payments -
Portugal
STRATEGIC DIRECTION
KEY FACTS
COMPANY BACKGROUND
COMPETITIVE POSITIONING
•    Summary 9 Grupo Caixa Geral de Depositos: Competitive Position
2009
Millenium BCP - Financial Cards and Payments - Portugal
STRATEGIC DIRECTION
KEY FACTS
COMPANY BACKGROUND
COMPETITIVE POSITIONING
•    Summary 12 Millennium BCP: Competitive Position 2009
Financial Cards and Payments in Portugal - Industry Context
EXECUTIVE SUMMARY
Changes in consumer trends regarding financial cards and payments
New players enter the credit card payment network
Economic crisis affects financial cards and payments
International companies make progress in financial cards
Modernization of consumer tendencies
KEY TRENDS AND DEVELOPMENTS
Increased use of debit cards
Card Payment Management Network Becomes More Competitive
Effects of the economic crisis
New mergers shape the competitive framework
Taxes on ATM transactions and on card payments suspended
E-commerce is on the rise
MARKET INDICATORS
MARKET DATA
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 13 Research Sources

				
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