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The Cards and Payments Industry in South Africa: Emerging Trends and Opportunities to 2019

The Cards and Payments Industry in South Africa: Emerging Trends and Opportunities to 2019


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Executive Summary

Synopsis

Timetric's 'The Cards and Payments Industry in South Africa: Emerging Trends and Opportunities to 2019' report provides detailed analysis of market trends in South Africa's cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including check payments, credit transfers, direct debits, payment cards and cash transactions during the review period (2010-2014).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, and transaction values and volumes during the review period and over the forecast period (2015-2019). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together Timetric's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies, recent changes in regulatory structure, card fraud statistics and profiles of card issuers operating in the country.

Summary

Timetric's 'The Cards and Payments Industry in South Africa: Emerging Trends and Opportunities to 2019' report provides top-level market analysis, information and insights into South Africa's cards and payments industry, including:

Current and forecast values for each market in South Africa's cards and payments industry, including debit card, credit and charge cards. It also includes detailed analysis of the prepaid card market.

Detailed insights into payment instruments including credit transfers, cash transactions, checks, direct debits and payment cards. It also, includes an overview of the country's key alternative payment instruments.

E-commerce market analysis and online payment types.

Analysis of various market drivers and regulations governing South Africa's cards and payments industry.

Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.

Comprehensive analysis of consumer attitudes and buying preferences for cards.

The competitive landscape of South Africa's cards and payments industry.

Scope

This report provides a comprehensive analysis of South Africa's cards and payments industry.

It provides current values for South Africa's cards and payments industry for 2014, and forecast figures to 2019.

It details the different demographic, economic, infrastructural and business drivers affecting South Africa's cards and payments industry.

It outlines the current regulatory framework in the industry.

It details marketing strategies used by various banks and other institutions.

It profiles major banks in South Africa's cards and payments industry.

Reasons To Buy

Make strategic business decisions, using top-level historic and forecast market data, related to South Africa's cards and payments industry and each market within it.

Understand the key market trends and growth opportunities in South Africa's cards and payments industry.

Assess the competitive dynamics in South Africa's cards and payments industry.

Gain insights into marketing strategies used for various card types in South Africa.

Gain insights into key regulations governing South Africa's cards and payments industry.

Key Highlights

To increase the uptake of mobile POS (mPOS) among small and medium sized merchants, solution providers in South Africa are offering terminals at lower costs, one of the latest being the introduction of the Edge mPOS solution in July 2014 by South Africa-based technology provider Emerge Mobile. It costs USD 92.1 (ZAR1,000), and comes with a free mobile app compatible with iOS and Android phones. Previously, Absa Bank launched its Payment Pebble mPOS solution in 2013, exclusively for SMEs. Similarly, Nedbank launched the PocketPOS in the same year. The introduction of low-cost terminals is anticipated to encourage merchants to accept card-based payments, driving payment card transaction volumes and values.

Alternative payment instruments are gaining traction in South Africa, with banks and payment companies introducing new solutions. Recent include the launch of MasterPass, Zapper and FlickPay in July 2014, and SnapScan in May 2014. The MasterPass digital wallet was introduced by MasterCard in association with Standard Bank. Master Pass users can shop online without disclosing payment and shipping information with every purchase. Zapper, FlickPay and SnapScan are mobile payment (m-payment) solutions which enable consumers to pay using QR codes and a PIN. The initiatives are expected to advance the development of alternative payments in South Africa.

To support government's financial inclusion plan to bring the unbanked population under the purview of formal banking, all major banks in South Africa including Absa Bank, Standard Bank, First National Bank (FNB) and Nedbank offer basic bank accounts with minimal banking charges. In addition to these leading banks, telecoms service provider MTN launched a mobile-only bank, Tyme, in November 2012, with no monthly fees or minimum balance requirements. Anyone aged above 16 years with a valid South African ID document can open an account. Tyme was acquired by Commonwealth Bank of Australia in February 2015.

1 Definitions and Methodology

1.1 Definitions

1.2 Methodology

2 Key Facts and Events

3 Executive Summary

4 Payment Instruments

4.1 Current Payment Environment

5 E-Commerce

5.1 E-Commerce Market Analysis

6 Alternative Payments

6.1 Alternative Payment Instruments

6.1.1 Cell Pay Point

6.1.2 PayPal

6.1.3 MasterPass

6.1.4 Ukash

6.1.5 FlickPay

6.1.6 SnapScan

6.1.7 Zapper

7 Regulations in the Cards and Payments Industry

7.1 Regulatory Framework

7.1.1 National Credit Act

7.1.2 Interchange fee regulation

7.2 Anti-Money Laundering (AML)

7.3 Foreign Direct Investment (FDI) Regulations

8 Analysis of Cards and Payments Industry Drivers

8.1 Demographic Drivers

8.2 Economic Drivers

8.3 Infrastructure Drivers

8.4 Business Drivers

9 Market Segmentation and New Product Launches

9.1 Market Segmentation and Targeting

9.1.1 Consumer cards

9.1.2 Commercial cards

9.2 New Product Launches

10 Payment Cards

10.1 Payment Cards Market Analysis

10.1.1 Volume and value of payment card transactions by type

10.1.2 Personal vs commercial cards

11 Debit Cards

11.1 Debit Card Market Analysis

11.1.1 Debit card transaction volumes and values by channel

11.1.2 Debit card scheme and issuer shares in terms of transaction value

11.1.3 Debit cards comparison

12 Credit Cards

12.1 Credit Card Market Analysis

12.1.1 Credit card transaction volumes and values by channel

12.1.2 Credit card scheme and issuer shares in terms of transaction value

12.1.3 Credit cards comparison

13 Charge Cards

13.1 Charge Card Market Analysis

13.1.1 Charge card transaction volumes and values by channel

13.1.2 Charge card scheme shares in terms of transaction value

13.1.3 Charge cards comparison

14 Commercial Cards

14.1 Commercial Card Market Analysis

14.1.1 Commercial cards comparison

15 Card Fraud Statistics

15.1 Card Fraud Analysis

16 Card Issuers

16.1 Absa Bank

16.2 Standard Bank

16.3 First National Bank

16.4 Nedbank

17 Prepaid Cards

17.1 Prepaid Card Market Analysis

17.1.1 Prepaid cards comparison

18 Merchant Acquiring

18.1 Merchant Acquiring Market Analysis

19 Appendix

19.1 Tables

19.2 Contact Timetric

19.3 About Timetric

19.4 Timetric's Services

19.5 Disclaimer

Figure 1: South Africa-Payment Instrument Shares by Transaction Value (%), 2010 and 2014

Figure 2: South Africa-Payment Instrument Shares by Transaction Volume (%), 2010 and 2014

Figure 3: South Africa-E-Commerce Value (USD Billion) and Payment Types (%)

Figure 4: South Africa-Total Population and Structure

Figure 5: South Africa-Economic Indicators

Figure 6: South Africa-Number of ATMs, POS Terminals and Banking Composition

Figure 7: South Africa-Real Household Consumption

Figure 8: South Africa-Segmentation by Card Type, 2016

Figure 9: South Africa-Growth in Payment Card Transaction Values and Number of Cards in Circulation by Type, 2010-2019

Figure 10: South Africa-Volume and Value of Payment Card Transactions by Type (%), 2010-2019

Figure 11: South Africa-Personal and Commercial Card, Transaction Volumes and Values (%), 2010-2019

Figure 12: South Africa-Growth in Debit Card Transaction Values and Number of Debit Cards in Circulation, 2010-2019

Figure 13: South Africa-Debit Card Transaction Volumes and Values by Channel, 2010-2019

Figure 14: South Africa-Debit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014

Figure 15: South Africa-Growth in Credit Card Transaction Values and Number of Credit Cards in Circulation, 2010-2019

Figure 16: South Africa-Credit Card Transaction Volumes and Values by Channel, 2010-2019

Figure 17: South Africa-Credit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014

Figure 18: South Africa-Growth in Charge Card Transaction Values and Number of Charge Cards in Circulation, 2010-2019

Figure 19: South Africa-Charge Card Transaction Volumes and Values by Channel, 2010-2019

Figure 20: South Africa-Charge Card Scheme Shares in Terms of Transaction Value (%), 2014

Figure 21: South Africa-Number of Commercial Cards in Circulation and Transaction Value, 2010-2019

Figure 22: South Africa-Shares of Various Types of Card Fraud in Terms of Transaction Value (%), 2010 and 2014

Figure 23: South Africa-Number of Prepaid Cards in Circulation and Transaction Value, 2010-2019

Figure 24: South Africa-Merchant Acquiring Transaction Volume and Value, 2010-2019

Figure 25: South Africa-Acquirers' Market Share in Terms of Transaction Volume and Value (%), 2014

Figure 26: South Africa-Number of Retail Outlets and Total Merchant Accounts (Thousand), 2010-2019

Table 1: Key Definitions

Table 2: Annual Average Exchange Rate

Table 3: South Africa-Key Facts, 2014

Table 4: Regional Benchmarking of South African Payment Cards, 2014

Table 5: South Africa-Interchange Rates

Table 6: South Africa-Interchange Fees

Table 7: South Africa-Mode of Entry of Foreign Banks

Table 8: Cards for High-Income Consumers, 2016

Table 9: Cards for Low-Income Consumers, 2016

Table 10: Cards for Travelers, 2016

Table 11: Cards for Students and Young Population, 2016

Table 12: Commercial Cards Comparison and Key Features, 2016

Table 13: South Africa-New Product Launches

Table 14: South Africa-Pay Now, Average Interchange Fees: Intra-Network Transactions (%), 2010-2014

Table 15: South Africa-Pay Now, Average Merchant Service Charge: Domestic Transactions (%), 2010-2019

Table 16: South Africa-Basic Bank Accounts, 2016

Table 17: South Africa-Small Business Current Accounts, 2016

Table 18: South Africa-Debit Cards Comparison and Key Features, 2016

Table 19: South Africa-Pay Later, Average Interchange Fees: Intra-Network Transactions (%), 2010-2014

Table 20: South Africa-Pay Later, Average Merchant Service Charge: Domestic Transactions (%), 2010-2019

Table 21: South Africa-Gold Credit Cards Comparison and Key Features, 2016

Table 22: South Africa-Premium Credit Cards Comparison and Key Features, 2015

Table 23: South Africa-Charge Cards Comparison and Key Features, 2016

Table 24: South Africa-Commercial Cards Comparison and Key Features, 2016

Table 25: South Africa-Prepaid Cards Comparison and Key Features, 2016

Table 26: South Africa-Payment Instrument Transaction Values (ZAR Billion), 2010-2014

Table 27: South Africa-Payment Instrument Transaction Values (USD Billion), 2010-2014

Table 28: South Africa-Payment Instrument Transaction Volumes (Million), 2010-2014

Table 29: South Africa-Number of Payment Cards in Circulation by Type (Million), 2010-2019

Table 30: South Africa-Volume of Payment Card Transactions by Type (Million), 2010-2019

Table 31: South Africa-Value of Payment Card Transactions by Type (ZAR Billion), 2010-2019

Table 32: South Africa-Value of Payment Card Transactions by Type (USD Billion), 2010-2019

Table 33: South Africa-Personal and Commercial Card Transaction Volumes (Million), 2010-2019

Table 34: South Africa-Personal and Commercial Card Transaction Values (ZAR Billion), 2010-2019

Table 35: South Africa-Personal and Commercial Card Transaction Values (USD Billion), 2010-2019

Table 36: South Africa-Number of Debit Cards in Circulation (Million), 2010-2019

Table 37: South Africa-Debit Card Transaction Volumes and Frequency by Channel, 2010-2019

Table 38: South Africa-Debit Card Total and Average Transaction Values by Channel, 2010-2019

Table 39: South Africa-Debit Card Total and Average Transaction Values by Channel, 2010-2019

Table 40: South Africa-Number of Debit Cards in Circulation by Scheme (Million), 2010-2014

Table 41: South Africa-Debit Card Transaction Values by Scheme (ZAR Billion), 2010-2014

Table 42: South Africa-Debit Card Transaction Values by Scheme (USD Billion), 2010-2014

Table 43: South Africa-Debit Card Transaction Values by Issuer (ZAR Billion), 2010-2014

Table 44: South Africa-Debit Card Transaction Values by Issuer (USD Billion), 2010-2014

Table 45: South Africa-Number of Credit Cards in Circulation (Million), 2010-2019

Table 46: South Africa-Credit Card Transaction Volumes and Frequency by Channel, 2010-2019

Table 47: South Africa-Credit Card Total and Average Transaction Values by Channel, 2010-2019

Table 48: South Africa-Credit Card Total and Average Transaction Values by Channel, 2010-2019

Table 49: South Africa-Number of Credit Cards in Circulation by Scheme (Thousand), 2010-2014

Table 50: South Africa-Credit Card Transaction Values by Scheme (ZAR Billion), 2010-2014

Table 51: South Africa-Credit Card Transaction Values by Scheme (USD Billion), 2010-2014

Table 52: South Africa-Pay Later Card Transaction Values by Issuer (ZAR Billion), 2010-2014

Table 53: South Africa-Pay Later Card Transaction Values by Issuer (USD Billion), 2010-2014

Table 54: South Africa-Credit Card Balances Outstanding by Issuer (ZAR Billion), 2010-2014

Table 55: South Africa-Credit Card Balances Outstanding by Issuer (USD Billion), 2010-2014

Table 56: South Africa-Number of Charge Cards in Circulation (Thousand), 2010-2019

Table 57: South Africa-Charge Card Transaction Volumes and Frequency by Channel, 2010-2019

Table 58: South Africa-Charge Card Total and Average Transaction Values by Channel, 2010-2019

Table 59: South Africa-Charge Card Total and Average Transaction Values by Channel, 2010-2019

Table 60: South Africa-Number of Charge Cards in Circulation by Scheme (Thousand), 2010-2014

Table 61: South Africa-Charge Card Transaction Values by Scheme (ZAR Billion), 2010-2014

Table 62: South Africa-Charge Card Transaction Values by Scheme (USD Million), 2010-2014

Table 63: South Africa-Number of Commercial Cards in Circulation (Thousand), 2010-2019

Table 64: South Africa-Commercial Card Transaction Values (ZAR Billion), 2010-2019

Table 65: South Africa-Commercial Card Transaction Values (USD Billion), 2010-2019

Table 66: South Africa-Card Fraud (ZAR Million), 2010-2014

Table 67: South Africa-Card Fraud (USD Million), 2010-2014

Table 68: South Africa-Number of Prepaid Cards in Circulation (Million), 2010-2019

Table 69: South Africa-Prepaid Card Transaction Values (ZAR Billion), 2010-2019

Table 70: South Africa-Prepaid Card Transaction Values (USD Billion), 2010-2019

Table 71: South Africa-Merchant Acquiring Transaction Volumes by Channel (Billion), 2010-2019

Table 72: South Africa-Merchant Acquiring Transaction Values (ZAR Billion), 2010-2019

Table 73: South Africa-Merchant Acquiring Transaction Values (USD Billion), 2010-2019

Table 74: South Africa-Acquirers' Transaction Volumes (Million), 2010-2014

Table 75: South Africa-Acquirers' Transaction Values (ZAR Billion), 2010-2014

Table 76: South Africa-Acquirers' Transaction Values (USD Billion), 2010-2014

Table 77: South Africa-Retail Outlets and Merchant Accounts (Thousand), 2010-2019

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The cards and payments industry in South Africa, Financial cards, Debit cards, Credit cards, Charge card, Prepaid cards, EMV card, E-commerce, Alternative payments


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