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The Cards and Payments Industry in South Africa: Emerging Trends and Opportunities to 2020

The Cards and Payments Industry in South Africa: Emerging Trends and Opportunities to 2020


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Executive Summary

Timetric's 'The Cards and Payments Industry in South Africa: Emerging Trends and Opportunities to 2020' report provides detailed analysis of market trends in the South African cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including direct debits, check payments, payment cards, cash transactions and credit transfers during the review period (2011-2015).

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 (2016-2020). It also offers information on the country's competitive landscape, including the 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 details of regulatory policy and recent changes in the regulatory structure.

Summary

Timetric's 'The Cards and Payments Industry in South Africa: Emerging Trends and Opportunities to 2020' report provides top-level market analysis, information and insights into the South African cards and payments industry, including:

Current and forecast values for each market in the South African cards and payments industry, including debit card, credit and charge cards.

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

E-commerce market analysis.

Analysis of various market drivers and regulations governing the South African 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 in the South African cards and payments industry.

Scope

This report provides a comprehensive analysis of the South African cards and payments industry.

It provides current values for the South African cards and payments industry for 2015, and forecast figures to 2020.

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

It outlines the current regulatory framework in the industry.

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

Reasons To Buy

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

Understand the key market trends and growth opportunities in the South African cards and payments industry.

Assess the competitive dynamics in the South African cards and payments industry.

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

Gain insights into key regulations governing the South African cards and payments industry.

Key Highlights

The central bank of South Africa revised interchange fees for debit and credit cards from March 2015, reducing the caps from 0.55% and 1.71% to 0.44% and 1.48% respectively. This resulted in a decline in the overall merchant service charge (MSC) on both debit and credit card transactions. A declining MSC reduces the overall cost of card acceptance for merchants, encouraging them to accept card-based payments. However, it is anticipated to significantly impact card issuers' profitability over the forecast period (2016-2020). With revenues falling, issuers are likely to cut card offerings and benefits for consumers.

Alternative payment instruments are slowly gaining traction in South Africa, with banks, payment companies and technology providers introducing new solutions. MasterCard, for instance, launched its MasterPass digital wallet in South Africa, in association with Standard Bank, in July 2014. A number of other payment solutions, such as Zapper, FlickPay and SnapScan, were also launched during the year. To capitalize on the rising consumer preference for alternative payments, Zazoo, a subsidiary of the UK-based technology provider Net 1 UEPS Technologies, launched the VCpay mobile payment (m-payment) app.

To control growing consumer debt and payment defaults, the South African government amended the National Credit Act (NCA) in May 2014, to include new measures when offering credit facilities. The measures were implemented from March 2015. Banks are now required to analyze customers' income and take all monthly debt repayment obligations into account before offering credit facilities. However, the measures had little impact on the fast-growing credit card market, as consumers are increasingly using credit cards as a temporary source of disposable income. Low interest rates, in comparison with personal loans, installment facilities, flexible repayment options and interest-free credit periods of up to 57 days, are anticipated to drive credit card transaction volumes and values over the forecast period (2016-2020).

1 DEFINITIONS AND METHODOLOGY

1.1 Definitions

1.2 Methodology

2 KEY FACTS AND HIGHLIGHTS

3 EXECUTIVE SUMMARY

4 PAYMENT INSTRUMENTS

5 E-COMMERCE AND ALTERNATIVE PAYMENTS

5.1 E-Commerce Market and Payment Methods

5.2 Alternative Payment Solutions

5.2.1 PayPal

5.2.2 MasterPass

5.2.3 Zapper

5.2.4 SnapScan

5.2.5 FlickPay

5.2.6 Cell Pay Point

5.2.7 Ukash

5.2.8 VCpay

5.2.9 InstantMoney

6 REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY

6.1 Regulatory Framework

6.1.1 National Credit Act

6.1.2 Interchange fee regulation

6.2 Anti-Money Laundering (AML)

6.3 Foreign Direct Investment (FDI) Regulations

7 ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS

8 PAYMENT CARDS

9 DEBIT CARDS

9.1 Debit Cards Market Analysis

9.2 Debit Card Scheme and Issuer Shares

9.3 Debit Cards Comparison

10 PAY LATER CARDS

10.1 Pay Later Cards Market Analysis

10.2 Pay Later Card Scheme and Issuer Shares

10.3 Pay Later Cards Comparison

11 CARD ISSUERS

11.1 Absa Bank

11.2 Standard Bank

11.3 FirstRand Limited

11.4 Nedbank

12 PREPAID CARDS

13 MERCHANT ACQUIRING

14 APPENDIX

14.1 Tables

14.2 Contact Timetric

14.3 About Timetric

14.4 Timetric's Services

14.5 Disclaimer

Figure 1: South Africa-Payment Instrument Shares by Transaction Value (%), 2011 vs. 2015

Figure 2: South Africa-Payment Instrument Shares by Transaction Volume (%), 2011 vs. 2015

Figure 3: South Africa-E-Commerce Value, 2011-2020

Figure 4: South Africa-E-Commerce Payment Methods, 2015

Figure 5: South Africa-Population

Figure 6: South Africa-Economic Indicators

Figure 7: South Africa-ATMs and POS Terminals

Figure 8: South Africa-Household Consumption

Figure 9: South Africa-Growth in Payment Card Transaction Values and Number of Cards in Circulation by Type, 2011-2020

Figure 10: South Africa-Debit Card Penetration and Turnover Per Card

Figure 11: South Africa-Debit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2015

Figure 12: South Africa-Pay Later Cards Penetration and Turnover Per Card

Figure 13: South Africa-Pay Later Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2015

Figure 14: South Africa-Number of Prepaid Cards in Circulation and Transaction Value, 2011-2020

Figure 15: South Africa-Merchant Acquiring Transaction Volume and Value, 2011-2020

Figure 16: South Africa-Acquirers' Market Share in Terms of Transaction Volume and Value (%), 2015

Figure 17: South Africa-Average Merchant Service Charge and Interchange Fee (%), 2011-2020

Table 1: Key Definitions

Table 2: Annual Average Exchange Rate

Table 3: South Africa-Key Facts, 2015

Table 4: Regional Benchmarking of South Africa's Payment Cards, 2015

Table 5: South Africa-Interchange Rates

Table 6: South Africa-Interchange Rates

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

Table 8: South Africa-Basic Bank Account, 2016

Table 9: South Africa-Small Business Current Accounts, 2016

Table 10: South Africa-Debit Cards Comparison and Key Features, 2016

Table 11: South Africa-Gold Credit Cards Comparison and Key Features, 2016

Table 12: South Africa-Premium Credit Cards Comparison and Key Features, 2016

Table 13: South Africa-Charge Cards Comparison and Key Features, 2016

Table 14: South Africa-Payment Instrument Transaction Values (ZAR Billion), 2011-2015

Table 15: South Africa-Payment Instrument Transaction Values (USD Billion), 2011-2015

Table 16: South Africa-Payment Instrument Transaction Volumes (Million), 2011-2015

Table 17: South Africa-Number of Payment Cards in Circulation by Type (Million), 2011-2020

Table 18: South Africa-Volume of Payment Card Transactions by Type (Million), 2011-2020

Table 19: South Africa-Value of Payment Card Transactions by Type (ZAR Billion), 2011-2020

Table 20: South Africa-Value of Payment Card Transactions by Type (USD Billion), 2011-2020

Table 21: South Africa-Number of Debit Cards in Circulation (Million), 2011-2020

Table 22: South Africa-Debit Card Transaction Volumes and Frequency by Channel, 2011-2020

Table 23: South Africa-Debit Card Total and Average Transaction Values by Channel, 2011-2020

Table 24: South Africa-Debit Card Total and Average Transaction Values by Channel, 2011-2020

Table 25: South Africa-Number of Debit Cards in Circulation by Scheme (Million), 2011-2015

Table 26: South Africa-Debit Card Transaction Values by Scheme (ZAR Billion), 2011-2015

Table 27: South Africa-Debit Card Transaction Values by Scheme (USD Billion), 2011-2015

Table 28: South Africa-Debit Card Transaction Values by Issuer (ZAR Billion), 2011-2015

Table 29: South Africa-Debit Card Transaction Values by Issuer (USD Billion), 2011-2015

Table 30: South Africa-Number of Pay Later Cards in Circulation (Million), 2011-2020

Table 31: South Africa-Pay Later Card Transaction Volumes and Frequency by Channel, 2011-2020

Table 32: South Africa-Pay Later Card Total and Average Transaction Values by Channel, 2011-2020

Table 33: South Africa-Pay Later Card Total and Average Transaction Values by Channel, 2011-2020

Table 34: South Africa-Number of Pay Later Cards in Circulation by Scheme (Thousand), 2011-2015

Table 35: South Africa-Pay Later Card Transaction Values by Scheme (ZAR Billion), 2011-2015

Table 36: South Africa-Pay Later Card Transaction Values by Scheme (USD Billion), 2011-2015

Table 37: South Africa-Pay Later Card Transaction Values by Issuer (ZAR Billion), 2011-2015

Table 38: South Africa-Pay Later Card Transaction Values by Issuer (USD Billion), 2011-2015

Table 39: South Africa-Number of Credit Cards in Circulation (Million), 2011-2020

Table 40: South Africa-Credit Card Transaction Volumes and Frequency by Channel, 2011-2020

Table 41: South Africa-Credit Card Total and Average Transaction Values by Channel, 2011-2020

Table 42: South Africa-Credit Card Total and Average Transaction Values by Channel, 2011-2020

Table 43: South Africa-Number of Credit Cards in Circulation by Scheme (Million), 2011-2015

Table 44: South Africa-Credit Card Transaction Values by Scheme (ZAR Billion), 2011-2015

Table 45: South Africa-Credit Card Transaction Values by Scheme (USD Billion), 2011-2015

Table 46: South Africa-Number of Charge Cards in Circulation (Thousand), 2011-2020

Table 47: South Africa-Charge Card Transaction Volumes and Frequency by Channel, 2011-2020

Table 48: South Africa-Charge Card Total and Average Transaction Values by Channel, 2011-2020

Table 49: South Africa-Charge Card Total and Average Transaction Values by Channel, 2011-2020

Table 50: South Africa-Number of Charge Cards in Circulation by Scheme (Thousand), 2011-2015

Table 51: South Africa-Charge Card Transaction Values by Scheme (ZAR Million), 2011-2015

Table 52: South Africa-Charge Card Transaction Values by Scheme (USD Million), 2011-2015

Table 53: South Africa-Personal and Commercial Pay Later Card Transaction Volumes (Million), 2011-2020

Table 54: South Africa-Personal and Commercial Pay Later Card Transaction Values (ZAR Billion), 2011-2020

Table 55: South Africa-Personal and Commercial Pay Later Card Transaction Values (USD Billion), 2011-2020

Table 56: South Africa-Number of Commercial Pay Later Cards in Circulation (Thousand), 2011-2020

Table 57: South Africa-Commercial Pay Later Card Transaction Volumes (Million), 2011-2020

Table 58: South Africa-Commercial Pay Later Card Transaction Values (ZAR Billion), 2011-2020

Table 59: South Africa-Commercial Pay Later Card Transaction Values (USD Billion), 2011-2020

Table 60: South Africa-Number of Prepaid Cards in Circulation (Million), 2011-2020

Table 61: South Africa-Prepaid Card Transaction Values (ZAR Billion), 2011-2020

Table 62: South Africa-Prepaid Card Transaction Values (USD Billion), 2011-2020

Table 63: South Africa-Merchant Acquiring Transaction Volumes (Billion), 2011-2020

Table 64: South Africa-Merchant Acquiring Transaction Values (ZAR Billion), 2011-2020

Table 65: South Africa-Merchant Acquiring Transaction Values (USD Billion), 2011-2020

Table 66: South Africa-Acquirers' Transaction Volumes (Million), 2011-2015

Table 67: South Africa-Acquirers' Transaction Values (ZAR Billion), 2011-2015

Table 68: South Africa-Acquirers' Transaction Values (USD Billion), 2011-2015

Table 69: South Africa-Retail Outlets and Card Accepting Merchants (Thousand), 2011-2020

Table 70: South Africa-Debit Card, Average Interchange Fees: Intra-Network Transactions (%), 2011-2015

Table 71: South Africa-Debit Card, Average Merchant Service Charge and Interchange Fee (%), 2011-2020

Table 72: South Africa-Pay Later Card, Average Interchange Fees: Intra-Network Transactions (%), 2011-2015

Table 73: South Africa-Pay Later Card, Average Merchant Service Charge and Interchange Fee (%), 2011-2020

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Absa Bank, Standard Bank, FirstRand Limited, Nedbank Group Limited, Capitec Bank, American Express, Visa, MasterCard, Diners Club

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


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