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NORDIC CARD TRENDS _ OPPORTUNITIES 2011-2012

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					   NORDIC CARD TRENDS &
   OPPORTUNITIES 2011-2012




 Card market size forecasts for debit, credit and prepaid
 Prepaid market assessment for nine prepaid categories
 12 card trends and opportunities in 2011 and 2012




           MACAW research | www.macawresearch.com | Nordic card trends and opportunities 2011-2012
 Understand the trends that will shape the dynamic Nordic card
 industry in 2011 and 2012 in an increasingly competitive market.
     • This unique report determines the growth opportunities for the
       credit, debit and prepaid card markets in Norway, Sweden, Denmark
       and Finland.

     • Explore card trends and opportunities in the Nordic region that will
       allow you to tap into new revenue streams in an ever evolving
       industry.

     • Key concepts include card portfolio optimization, prepaid
       opportunities, contactless and mobile payments,
       and user experience innovations.




NORDIC CARD TRENDS AND OPPORTUNITIES 2011-2012

   The report describes the development of the credit and debit card markets over the last three
    years and predicts the spend patterns for 2011-2012 for Denmark, Finland, Norway and Sweden
    utilizing a historically accurate statistical model based on card payments and economic
    indicators.

   Next, the report assesses the potential of the emerging Nordic prepaid card sector, including
    drivers and inhibitors to growth, and the size of the current market potential for both closed and
    open loop products. Nine different prepaid categories are assessed: Consumer gifting,
    Government disbursements, Corporate incentives & benefits, Payroll, FX & Travel, Fuel,
    Transportation, Remittance, and General purpose reloadable products.

   Finally, the report presents 12 Trend articles, each which explores new card trends and
    opportunities in the Nordics. The topics revolve around modern card portfolio optimization, new
    prepaid channels and segments, social media and payments (including Facebook), mobile and
    contactless payments, and credit and debit trends including loyalty points and cash back. The
    articles are backed by facts, professional views and case studies. For those who want additional
    information on a given topic, references to online resources such as blog posts, news articles,
    press releases, company websites and financial reports are provided.




             MACAW research | www.macawresearch.com | Nordic card trends and opportunities 2011-2012
CONTENTS


CARD STATISTICS AND                         Higher funding costs                       Affinity transactions
FORECASTS                                                                               Opportunity: Choose your
 European Comparisons                      Behavior Scoring                            Affinity
 Nordic Card Statistics                    Behavior scoring vs. credit                Opportunity: Tax funded
 Card Forecasting Model                     application scoring                         cash back
 Card Market Size Forecasts                Card Performance
                                             Optimization                               P2P Lending
NORDIC PREPAID MARKET                       Case study: Vanquis Bank                    Predictions
ASSESSMENT                                                                               Case study: TrustBuddy
 Prepaid application                      Mobile Payments
  descriptions                              Defining mobile payments                  Google, Apple, Amazon,
 Benefits delivered by prepaid             Nordic countries versus                   PayPal and Facebook
  applications                               Developing countries                       Online payments
 Prepaid drivers and inhibitors            The Challenger case                        Proprietary payments
  of growth                                 The Payment network case                   Redefining banking
 Prepaid market size forecasts             The Merchant case                          Caveats of virtual currencies
 Prepaid competitive                       The Consumer case                          Reality check
  landscape                                 Mobile payments in a Sepa                  Case study: Facebook credits
 Second E-money Directive                   perspective
                                            The Mobile Payments                        Banking Apps and UX
TRENDS AND OPPORTUNITIES                     Ecosystem                                   Banking Apps
Prepaid 3rd Party Distribution              Summary                                     What can banks learn from
 History                                                                                 Apple, Facebook etc?
 Third party channels                    Contactless Payments
 The closed loop business                 Form factors                               Virtual Game Goods
  case                                     Chicken and egg                             Spending real money on
 The open loop business case              Contactless appeal                           virtual goods
                                           Consumer attitudes                          Third party gaming services
Government Prepaid                                                                      Virtual goods - banking
 Public sector prepaid                   Cash Back and Bonus Points                     opportunity?
 Case study: Stuttgart                    Cash back and point variants                Co-branded opportunity
  FamilienCard                             Cash back levels                            Opportunity: Funcom
 Case study: Nordea                       Rational consumers
  Municipality Cards                       The Banana Case                             Appendix: Methodology notes
                                           Opportunity: Cash back for                  and terminology
Risk Based Pricing                          business
 Differentiated APRs
 Unsecured loans use risk-                Debit Card Innovation
  based pricing                             Debit loyalty programs
 Market saturation                         Micro transactions




               MACAW research | www.macawresearch.com | Nordic card trends and opportunities 2011-2012
WHO CAN BENEFIT FROM THIS RESEARCH

       Card industry professionals                                  Card issuers
       Business developers                                          Retail banks
       Product managers                                             Acquirers and processors
       Marketers                                                    Card manufacturers
       Analysts                                                     Card solution providers
       Senior management                                            Telecom companies
       Business consultants                                         Banking associations
       Government officials                                         Government institutions




ABOUT MACAW RESEARCH

MACAW research is a Norwegian consulting company specialized in cards and payments intelligence. We have
experience from projects in 20+ countries ranging from card performance optimization to card market
forecasts and business development aid. Our clients are card issuers, card service providers and other payment
industry stakeholders.

Contact details
E-mail: post@macawresearch.com                         Visit our website: http://www.macawresearch.com
Phone: +47 412 69 669                                  Read our blog: http://macawresearch.blogspot.com
Mail: Finnhaugveien 8, 0760 Oslo – Norway              Follow us on Twitter: http://twitter.com/macawresearch




              MACAW research | www.macawresearch.com | Nordic card trends and opportunities 2011-2012

				
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