High Growth Forecasted for the World Debit Cards Market

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World Debit Cards Market

This report analyzes the worldwide markets for Debit Cards in million units. The report provides separate comprehensive analytics for the US, Canada, Japan, Europe, Asia-Pacific, Latin America and Rest of World. Annual forecasts are provided for each region for the period of 2003 through 2012. The report profiles 175 companies including many key and niche players worldwide such as Bank of America Corporation, Barclays Plc, China Merchants Bank Co., Ltd, Citigroup, Inc., Citibank Inc., Credit Agricole S.A, Deutsche Bank AG, Direct Response Financial Services, Inc., HSBC Holdings Plc, ING Group N.V., JPMorgan Chase & Co., Laser Card Services Ltd., Lloyds TSB Group Plc, The Royal Bank of Scotland Group Plc, S2 Card Services Ltd., State Bank of India, Wachovia Corporation, Washington Mutual, Inc., Wells Fargo & Company, SA Banksys NV, First Data Corporation, STAR® Networks, Inc., Metavante Corporation, MasterCard Worldwide, PULSE EFT Association, Inc., SSB SPA, and Visa U.S.A., Inc. Market data and analytics are derived from primary and secondary research. Company profiles are mostly extracted from URL research and reported select online sources.

I. INTRODUCTION, METHODOLOGY & PRODUCT DEFINITIONS

Study Reliability and Reporting Limitations I-1

Disclaimers I-2

Data Interpretation & Reporting Level I-2

Quantitative Techniques & Analytics I-3

Product Definitions and Scope of Study I-3

Debit Card I-3

Prepaid Debit Cards I-3

Online or PIN Debit Cards I-3

Offline or Signature Debit Cards I-4

II. EXECUTIVE SUMMARY

1. Industry Overview II-1

Payment Cards Industry - An Overview II-1

Table 1: Global Financial Cards Industry (2005): Percentage Breakdown of Leading Countries by Number of Cards (includes corresponding Graph/Chart) II-1

Technological Innovations Drive Up Card Transactions II-1

Cards Replace Cash and Paper Transactions II-2

Debit Cards - A Convenient Cash-Less Payment System II-2

Current and Future Analysis II-2

Asia-Pacific - Riding on Chinese Debit Card Success II-2

2. Market Dynamics II-3

Small Value Transactions to Drive Growth in Debit Cards Arena II-3

Intensifying Consolidation in European Card Processing Sector II-3

Asia-Pacific Drives Global Debit Card Use II-3

Growing Use of Cards for Payment of Recurring Bills II-3

Card Companies Focus on Select Consumer Segments II-3

Card Associations Intensify Campaign for Prepaid Cards II-4

Fraud Facilitates Development of New Technologies II-4

Contactless Technology to Fight Fraudulent Transactions II-4

Debit Cards Use Rises During Holiday Season II-4

Technology to Overcome Inadequacies in Infrastructure II-5

Non-Banking Agencies to Counter the Dominance of Associations II-5

Debit Cards for New Mobile Payment System II-5

3. Major Issues Influencing Debit Cards Market II-6

Interchange Fee - A Contentious issue II-6

Visa and MasterCard Face Legal Implications II-6

Security - A Key Concern for Issuing Banks II-6

SEPA Set to Restructure Debit Cards Payment System in EU II-6

Absence of Debit Interchange Programs Affects European Income Levels II-7

Alternative Online Payment Modes - A Threat to Debit Cards II-7

ACH System - A Major Challenge Facing Debit Cards Industry II-7

Merchant Resistance Obstructs Debit Card Adoption II-7

Rising Fraud in PIN Debit Transactions Worries Consumers II-8

Expensive Overdraft Fees Raises Concern II-8

4. Product Overview II-9

Debit Cards - A Conceptual Definition II-9

Debit Cards in Force Across the World II-9 Debit Card - A Commodity Product II-10

Debit Card Penetration & Activation II-10

Authorization Hold - Saving Retailers from Risk II-10

Electronic Funds Transfer Point of Sale (EFTPOS) II-11

Transaction Processing in Debit Cards II-11

Process Flow for Online Debit Transactions II-12

Process Flow in Signature Debit Transactions II-13

Electronic Funds Transfer Networks (EFT) Networks II-13

Visa & MasterCard - Principal Global Debit Brands II-14

Reward Programs Gain Popularity II-14

Prepaid Bank Debit Cards II-15

Prepaid or Stored Value Card II-15

Common Applications of Prepaid Debit Cards II-15

Transfer of Funds II-15

Retail Debit Cards II-15

Payroll Debit Cards II-16

Health Debit Cards II-16

Prepaid Cards - Challenges & Opportunities II-16

Advantages of Debit Cards II-16

Disadvantages of Debit Cards II-17

Growth Drivers II-17

Market Restraints II-17

5. Types of Debit Cards II-18

Online or PIN Debit Cards II-18

Offline or Signature Debit Cards II-18

PIN Vs Signature Debit Transaction Fee II-18

"Credit" and "Debit" Purchases II-19

PIN Faces Competition from Contactless and Signature-Less Debit Transactions II-19

Debit Cards for Telephone, Mail and Internet Transactions II-20

Debit Cards As Stored Value Cards II-20

6. Credit Card Vs Debit Card II-21

Comparative Review of Debit and Credit Card Functions II-21