Indian Payment Card Market Forecast to 2012 by RNCOS

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									RNCOS                      Indian Payment Card Market Forecast to 2012
Online Business Research
RNCOS                                                     Indian Payment Card Market Forecast to 2012
Online Business Research




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                                               RNCOS




                            © Indian Payment Card Market Forecast to 2012
                                                  Edition 2.0
                              All rights reserved. This publication is protected
                           by copyright. No part of it may be reproduced, stored
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RNCOS                                                                         Indian Payment Card Market Forecast to 2012
Online Business Research




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RNCOS                          Indian Payment Card Market Forecast to 2012
Online Business Research




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RNCOS                                                                             Indian Payment Card Market Forecast to 2012
Online Business Research




                                                               Table of Contents

1.  Analyst View.........................................................................................................................................8
2.  Economic Overview ............................................................................................................................9
3.  Market Attractions .............................................................................................................................11
  3.1   Changing Consumer Spending Patterns .....................................................................................11
  3.2   Improving Payment Infrastructure ...............................................................................................12
  3.3   Growing Trends of E-shopping....................................................................................................13
  3.4   Favorable Regulatory Environment .............................................................................................16
  3.5   Holistic Competition .....................................................................................................................17
4. Indian Financial Card Market: Current and Future Outlook..........................................................18
  4.1   Debit Cards..................................................................................................................................19
  4.2   Credit Cards.................................................................................................................................25
  4.3   ATM Networks .............................................................................................................................34
  4.4   POS Terminals ............................................................................................................................36
  4.5   Leading Card Issuers ..................................................................................................................38
5. Future Growth Avenues....................................................................................................................40
  5.1   Smart Cards.................................................................................................................................40
  5.2   Prepaid and Co-brand Cards.......................................................................................................41
  5.3   Domestic Service Providers ........................................................................................................43
  5.4   Mobile ATMs................................................................................................................................44
  5.5   Biometric & Solar ATMs ..............................................................................................................45
  5.6   Micro ATMs..................................................................................................................................47
6. Industry Restraints ............................................................................................................................48
  6.1   Awareness ...................................................................................................................................48
  6.2   Delinquency Ratio and Frauds ....................................................................................................50
7. Competitive Landscape ....................................................................................................................51
  7.1   ICICI Bank Ltd .............................................................................................................................51
  7.2   HDFC Bank Ltd............................................................................................................................53
  7.3   Citibank NA..................................................................................................................................56
  7.4   State Bank of India ......................................................................................................................59
  7.5   Punjab National Bank ..................................................................................................................61




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RNCOS                                                                  Indian Payment Card Market Forecast to 2012
Online Business Research




List of Figures'

Figure 3-1: Online Shopping Transaction by Region (%)............................................................................13
Figure 3-2: Forecast for Number of Internet Users (Million), 2010-2013 ....................................................14
Figure 3-3: Forecast for Number of Personal Computers (Million), 2010-2013 ..........................................14
Figure 4-1: Number of Debit Cards Issued by Banks (Million), FY 2006 to FY 2010..................................20
Figure 4-2: Forecast for Number of Debit Cards Issued by Banks (Million), FY 2011 to FY 2013 .............21
Figure 4-3: Number of Debit Card Payment Transactions (Million), FY 2006 to FY 2009 ..........................22
Figure 4-4: Debit Card Payment Transactions (Billion INR), FY 2006 to FY 2010 .....................................23
Figure 4-5: Forecast for Debit Card Payment Transactions (Billion INR), FY 2011 to FY 2013.................24
Figure 4-6: Number of Credit Cards Issued by Banks (Million), FY 2006 to FY 2010 ................................27
Figure 4-7: Forecast for Number of Credit Cards Issued by Banks (Million), FY 2011 to FY 2013 ............28
Figure 4-8: Credit Cards Issuance by Type of Bank (%), FY 2009 .............................................................28
Figure 4-9: Number of Credit Card Payment Transactions (Million), FY 2006 to FY 2009.........................29
Figure 4-10: Credit Card Payment Transactions (Billion INR), FY 2006 to FY 2010 ..................................30
Figure 4-11: Forecast for Credit Card Payment Transactions (Billion INR), FY 2011 to FY 2013..............31
Figure 4-12: Premium Credit Card Market Potential (Million), FY 2010 to FY 2013 ...................................32
Figure 4-13: Premium Credit Card Market (Billion INR), FY 2010 to FY 2013 ...........................................33
Figure 4-14: Number of ATMs (‘000), FY 2007 to FY 2009 ........................................................................34
Figure 4-15: Number of ATMs by Type of Bank (%), FY 2009 ...................................................................35
Figure 4-16: Number of POS Terminals (Million), FY 2008 & FY 2009 ......................................................36
Figure 4-17: Share of Leading Players in POS Network (FY 2009)............................................................37
Figure 4-18: Leading Credit Cards Issuers (%), FY 2009 ............................................................
								
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