Retailer Financial Services in North and Latin America

Retailer Financial Services in North and Latin America published by Finaccord Ltd. in June, 2010. This report consists of 225 pages and the price starts from US $ 3292.

Introduction

Abstract

Prospectus contents

• What is the research?
• What is the rationale?
• What is the What methodology has been used?
• How do organisations surveyed break down?
• Which specific retailing groups have been researched
• What is the report structure?
• What are the key features of the research?
• How can the research be used?
• How can the PartnerBASE be used?
• Who can use the research?
• What are some of the key findings?
• What is the cost and format?
• How can the research be purchased?

<>1>What is the research?

Retailer Financial Services in North and Latin America is a report, based on a survey of 1,195 high profile retail brands in 12 countries, about the activity and partnerships of major retailers in areas of financial services including payment cards, consumer finance, retail banking and mainstream insurance policies, namely motor insurance, household insurance, accident insurance, dental insurance, other health insurance, travel insurance, pet insurance and life insurance. In addition, the study also covers proprietary and coalition loyalty schemes and international remittances. Countries covered are Argentina, Brazil, Canada, Chile, Colombia, Costa Rica, Ecuador, Mexico, Paraguay, Peru, Uruguay and the USA.

In fact, the study provides a comprehensive and detailed overview of the market for retailer financial services across the 12 countries in North and Latin America that goes far beyond the scope of previously published research. Moreover, the PartnerBASE"! database that accompanies the report details each of the many marketing initiatives for co-branded and store cards, proprietary and coalition loyalty programs, consumer finance, banking products, retailer insurance and international remittances traced by Finaccord. Other global regions covered in sister reports and associated databases are Asia Pacific and the Middle East, Eastern and South-Eastern Europe, Northern and Central Europe, and Southern and Western Europe.

What is the rationale?

A number of factors, some of which are specific to financial services and some to retailing, provide ample justification for the development of this report and the sister reports covering the same subject in four other broad global regions. With regards to financial services, this rationale can be broken down between what might be characterized as ' traditional' retailer financial services (i.e. cob d d/ branded / store cards and consumer finance / personal loans) and ' non-traditional' retailer financial services (i.e. insurance, mortgages and savings accounts). For example, in the field of ' traditional' retailer financial services, the experience of card issuers is that the profitability of successful cobranded card schemes, including retailer programs, usually exceeds that of standard payment cards.

Meanwhile, dynamics in the retailing market itself also give rise to increasing rationale both for retailer financial services and this comprehensive study of the subject. Retailer consolidation is helping to produce national champions with the branding, muscle and general profile needed to succeed in financial services in any given country. Furthermore, successful retail groups in the less developed markets of Latin America are experiencing substantial growth as an increasing proportion of consumers allocate their expenditure to formal retailing concepts. Indeed, a number of retailers such as these are taking advantage of the regular contact that they enjoy with consumers to roll out their own financial services propositions.

What methodology has been used?

The main research input into this study is a survey, carried out between April and June 2010, of 1,195 major retailing brands across 12 countries in North and Latin America. The aim of this investigation has been to gather top level data concerning the provision of financial services by the organizations in question, the operating models that they use and the financial partners with which they work in this t t N t ll context. Naturally, given that there are literally millions of smaller retailers in total in the territories reviewed, the majority with just a single outlet, Finaccord has sought to focus on the very largest entities that are likely to be of most strategic interest to providers of financial services. Indeed, the 1,195 major retailers break down by country and by category as illustrated in the graphic overleaf.

What is the report structure?

• 0. Executive Summary: providing a concise evaluation of the principal findings of the report.
• 1. Introduction: offering rationale, description of methodology and other related notes.
• 2. Regional Overview: comprising a regional overview of the activity of major retail brands in payment cards, proprietary and coalition loyalty programs, consumer finance / personal loans, banking, mainstream insurance policies and international remittances. As well as analyses of the operating models used by retailers for financial services, this section also analyses the extent to which retailer cards are affiliated to MasterCard, Visa and other international payment brands in each country and identifies retailers operating through captive or joint venture finance arms
• 3. Argentina: an in-depth analysis of the market for retailer financial services in Argentina with separate consideration given to initiatives in payment cards, loyalty schemes, consumer finance /personal loans, banking products, insurance and international remittances. Key partnerships between retail chains and banks, card issuers and insurance providers are identified for each of these financial services while retailers are analyzed according to whether they possess proprietary loyalty programs or participate in coalition loyalty schemes.

What are the key features of the research?

Key features of this report include:

• comprehensive coverage of the involvement in financial services of 1,195 major retail brands in 12 countries in North and Latin America;
• investigation of close to 800 schemes for retailer payment cards and point-of-sale finance: which finance providers are strong in which countries and with which retail chains do they collaborate?
• identification of over 550 proprietary retailer loyalty p p y y y programs including the split by country according to whether they are linked to a corresponding payment card or to a card with no payment function;
• focus on key initiatives in retailer banking such as ibi (C&A) in Brazil, President' s Choice Financial Services (Loblaw / CIBC) in Canada, Banco Falabella (Falabella) in Chile and other countries, Banco Azteca (Grupo Elektra) in Mexico, Banco Walmart (Walmart) in Mexico, and Kroger Personal Finance (Kroger / RBS Citizens) in the USA;
• in-depth consideration of retailer provision of mainstream insurance: 95 major retail brands in North and Latin America were active in ' brandassurance' by the second quarter of 2010.

How can the research be used?

You may be able to use this report and the PartnerBASE"! that accompanies it in one or more of the following ways:

• gain rapid access to a unique source of intelligence covering virtually all significant retail groups across an extremely wide range of geographies;
• monitor the activity of key national and international competitors in retailer financial services including the many international subsidiaries of BNP Paribas, Citigroup, GE Capital and HSBC;
• understand the potential in each country for converting proprietary retailer loyalty cards and coalition loyalty schemes into fully-fledged payment cards;
• evaluate the extent to which retail brands in the Americas could emerge as ' consumer champions' in mainstream retail banking;
• retailers in North and Latin America are becoming increasingly involved in insurance intermediation - appreciate the opportunity for creating distribution partnerships in this field.

Who can use the research?

• 1. Payment card issuers: this study is an up-to-date and comprehensive source of information about retailer payment cards in 12 markets in North and Latin America with coverage of credit /deferred debit, debit and rechargeable pre-paid products;
• 2 2. Banks and lending institutions: partnerships with major retailers for the provision of point-ofsale finance, especially in categories such as computers / electricals, furniture / household goods and online / home shopping, offer a potentially strong growth channel;
• 3. Insurance companies: as merger and acquisition activity brings about the creation of larger, more international retailing groups, the opportunities for underwriters and brokers to set up retailer insurance programs are sure to multiply;
• 4. Retailers: across Latin America, Banco Falabella runs a portfolio of more than five million active credit card accounts and a total loan book of almost US$3 billion: to what degree is there an opportunity for your organisation to expand profitably into financial services?
• 5. Loyalty management companies: the research offers a thorough guide to over 550 proprietary retailer loyalty programs in North and Latin America as well as coverage of the leading coalition loyalty schemes.
• 4. Key findings from the executive summary include:
  • retailer payment cards are most prevalent in Brazil, Canada and Peru where 76.5%, 70.3% and 57.9%, respectively, of major retail brands offer them, but are least common in Uruguay, Paraguay and Colombia with data points of 24.0%, 25.0% and 31.6%, respectively;
  • in Latin America, in particular, major retailers have established their own banking operations with a view to targeting lower and middle income customers with banking services, as these types of customer are often poorly served or overlooked by mainstream banking institutions;
  • however, some retailers may elect to sell their captive finance arms to mainstream banks or to reconfigure them as joint ventures in which a banking partner takes on some of the responsibility for their day-to-day running, including the management of credit risk;
  • the involvement in insurance of some of retail brands also extends to various assistance formulae in addition to the mainstream forms of insurance researched - for example, in Chile, Falabella also offers a pre-paid legal assistance policy while Johnson' s intermediates legal services on a ' pay when needed' basis. Expertise in financial services

Table of Contents

0.0 EXECUTIVE SUMMARY

• The research is based on a survey of 1,195 major retail brands across 12 countries
• A very high proportion of retail chains in Brazil, Canada and Peru offer their own payment cards with activity rates highest among department stores when analyzed by category of retailer
• Under 25% of retailer payment card initiatives are exclusive to either MasterCard or Visa with retailer-owned, independent networks particularly commonplace in Chile
• Captive card issuers are most widespread in Argentina, Canada, Chile, Ecuador and Paraguay
• BNP Paribas, Citigroup, GE Capital and HSBC hold retailer partnerships across several countries
• Almost a half of the 1,195 retail brands surveyed operate their own proprietary loyalty scheme
• Seven out of the 12 countries host coalition loyalty programs in which major retailers participate
• The provision of consumer finance is concentrated primarily in certain retail sectors
• Some retailers may elect to sell stakes in their captive finance arms to mainstream banks although others operate a less risky model of merely hosting branches within their stores
• Retailers distribute mainstream insurance policies in nine of the 12 countries considered with motor and household insurance the policy types most commonly offered although with several retail brands in Chile having also introduced assistance products
• Examples of captive underwriting are present in Ecuador, Mexico and Peru
• Tough economic conditions placed a partial brake on retailer financial services in 2008 and 2009 although the longer term prospects for this strategy in the Americas are still encouraging
• Underlying payment card markets are growing rapidly in a number of countries in Latin America
• Store cards can be internationalized and loyalty cards can be converted into payment cards
• Retailers partnerships represent an important strategic option for banking and insurance entities

1.0 INTRODUCTION

• Rationale
  • Retailer financial services can be broken down between ' traditional' and ' non-traditional' services
  • Retailers can take advantage of changes in consumer finance and payment card markets
  • Consolidation among conventional banks provides justification for the entry of retailer banks
  • The evolution of the retailing market itself is also favourable to the integration of financial services
• Methodology
  • Finaccord' s research covers 1,195 major retail brands across North and Latin America
  • Product definitions
  • Coverage of payment cards includes credit, deferred debit, debit and rechargeable pre-paid cards
  • Proprietary and coalition loyalty programs are present in a variety of different formats
  • The involvement of retail chains in the distribution of consumer credit is also considered as is their activity as distributors of mainstream consumer insurance products
• Finaccord

2.0 REGIONAL OVERVIEW

• Introduction
• Retailer payment cards
  • Retailers in Brazil, Canada and Peru are most likely to have their own payment card
  • Over 80% of department store chains surveyed offer their own co-branded or store card
  • The region' s fuel retailers have adopted a variety of approaches to offering payment cards
  • Other than in Canada, retailer payment cards are primarily credit or deferred debit products
  • Captive card issuers are most prevalent in Argentina, Canada, Chile, Ecuador and Paraguay
  • Almost a half of the region' s retailer payment card programs are exclusively private label
  • Retailer cards badged with the Visa brand are most widespread in Costa Rica, Mexico and Peru
  • Initiatives due solely to issuers controlled by five groups make up almost one quarter of schemes
• Proprietary retailer loyalty programs
  • In relative terms, proprietary loyalty programs are most widespread in the USA among countries and among cash and carry chains by category of retailer
  • Almost a quarter of all proprietary loyalty programs identified are linked to a payment card
• Coalition loyalty programs
  • Retailer involvement in coalition loyalty schemes is most advanced in Peru, Chile and Ecuador with DIY retailers and health and beauty chains most likely to have affiliated themselves
• Consumer finance / personal loans
  • Consumer finance is offered by over a fifth of retail brands surveyed in Brazil, Chile and Peru
  • Department stores and cash and carry chains are most likely to make consumer loans available
  • Captive operating models are dominant in Chile, Ecuador, Mexico, Paraguay and Peru
• Banking products
  • Seven countries host at least some retail brands offering mortgages or savings products
• Captives and joint ventures
  • Captive retailer finance arms can be of significant interest to mainstream banking institutions
• Insurance
  • Retail brands are active in promoting insurance in nine out of 12 countries in the region with motor, household and life insurance policies the most likely to be offered
  • A majority of activity is concentrated in the department store and cash and carry retail categories
  • Retailers utilize a diverse range of operating models for selling insurance policies and must sometimes establish their own authorized insurance intermediaries
• International remittance services
  • There are over 50.7 million individuals classifiable as migrants in North and Latin America generating international remittance outflows approaching US$50 billion with the value of inflows per resident highest in Mexico
• The evidence of consumer research in Germany and the UK
  • Supermarkets and other retailers are influential in Germany for certain financial products most notably personal loans / consumer finance and credit cards although there is little evidence to suggest that consumers will use them to buy insurance
  • In contrast, retail brands are significant for various types of insurance in the UK with their distribution share apparently highest for pet insurance

3.0 ARGENTINA

• Introduction
• Retailer payment cards
  • Most retailer payment cards in Argentina are private label credit cards issued on a captive basis although one joint venture and a handful of deals with external issuers are in evidence
• Proprietary retailer loyalty programs
  • Most proprietary loyalty schemes remain unlinked to a corresponding retailer payment card
• Coalition loyalty programs
  • The potential exists for coalition loyalty programs to develop in Argentina from the current low level
  • BBVA Banco Frances is the issuer of the ServiClub loyalty scheme payment card
• Consumer finance / personal loans
  • The finance products offered by Grupo Gaona and Marquez are available only to retired customers
• Banking products / insurance
• Insurance
  • Falabella is seeking to grow its book of insurance policyholders in Argentina both for mainstream insurance policies and for niche forms of insurance and assistance
• International remittance services
  • Among major retail chains in Argentina, only Walmart is active in the international payment market

4.0 BRAZIL

• Introduction
• Retailer payment cards
  • Brazil can lay claim to being the world' s most developed market for retailer payment cards with major retail brands adhering to a variety of operating models in this context
  • ibi, the captive bank of C&A, manages a portfolio of in excess of 20 million cardholders with Midway Financeira, established in 2008, responsible for a book of more than 15 million
  • Tricard is the card issuing subsidiary of the Grupo Martins conglomerate
  • Private label and other networks, including Aura, offer alternatives to MasterCard and Visa
  • Cetelem' s Brazilian business returned to profitability in 2009 following an operating loss in 2008
  • Dacasa Financeira has built up a portfolio of approximately two million customers
• Proprietary retailer loyalty programs
  • Over a half of major retail chains in Brazil have launched their own loyalty scheme
• Coalition loyalty programs
  • Both Multiplus Fidelidade and Smiles owe their origins to the airline sector
• Consumer finance / personal loans
  • Compared to elsewhere in the Americas, provision rates for point-of-sale finance are quite high with captive, joint venture and non-captive partnerships all in evidence
• Banking products
  • Bergamais Supermercado hosts branches of Bradesco in many of its stores
• Insurance
  • Seven major retail chains in Brazil promote mainstream forms of insurance of the type researched
• International remittance services
  • No major retail chains in Brazil are involved in the provision of international remittance services

5.0 CANADA

• Introduction
• Retailer payment cards
  • Rechargeable prepaid cards are offered very frequently by major retail brands in Canada
  • MasterCard is far more widespread than Visa as a co-branding partner for retailer cards
• Proprietary retailer loyalty programs
  • More than one in five major retailers have linked a proprietary loyalty program to a payment card
• Coalition loyalty programs
  • Consumers in Canada can choose between a number of different coalition loyalty programs
  • Air Miles Canada claimed to possess more than ten million members as of April 2010
• Consumer finance / personal loans
  • Schemes for classic point-of-sale finance are not especially common in Canada
• Banking products
  • President' s Choice Financial Services has built up a portfolio of around three million customers and has diversified into new areas of banking and insurance since its original launch in 1998
  • Canadian Tire Bank offers high interest savings accounts and guaranteed investment certificates
• Insurance
  • Five retailing groups in Canada had developed insurance propositions by the first half of 2010
  • For regulatory reasons, the activities of the HBC Insurance Agency vary by region across Canada
  • Through PC Financial, the Loblaw Companies grouping is active in both insurance and banking
  • The insurance proposition of London Drug is limited to the states of Alberta and British Columbia
  • Retailer schemes are spread across a number of providers, including several specialist firms
• International remittance services
  • Several retail chains in Canada provide an international money transfer service for consumers

6.0 CHILE

• Introduction
• Retailer payment cards
  • Retailer-owned card issuers continue to dominate Chile' s payment card market with over ten million store cards having been issued by these entities mainly to the low and middle income earners traditionally ignored by mainstream banks
  • Cards issued by Presto are accepted at more than 50,000 retail outlets across Chile
  • Solventa Servicios Financieros can access its own branches as well as retail outlet distribution
• Proprietary retailer loyalty programs
  • Most proprietary loyalty schemes are linked to a corresponding retailer payment card
  • Cencosud claims that its Circulo Mas loyalty program is the largest in Chile by member numbers
• Coalition loyalty programs
  • Three retailer-owned loyalty schemes can be classified as coalition programs each of which are supported by an associated payment card
• Consumer finance / personal loans
  • Retailer finance schemes are also dominated by captive entities
• Banking products
  • Cencosud, Falabella and Ripley are all active in the wider banking sector in Chile
  • Falabella has been active in this arena since 1998
  • Cencosud' s Banco Paris saw its asset base shrink by over 15% during 2009
  • Over a half of transactions generated by Ripley' s payment card are due to Ripley' s own stores
• Insurance
  • Many of Chile' s major retail groups have established captive insurance brokerages with those of Cencosud and Falabella known to intermediate a substantial volume of policies
  • Several retailers have also introduced innovative niche insurance and assistance formulae
• International remittance services
  • Among major retail chains in Chile, only Falabella is active in the international remittance sector

7.0 COLOMBIA

• Introduction
• Retailer payment cards
  • A significant proportion of major retail chains in Colombia offer their own retailer payment card
  • The card schemes of Colombian retailers are spread quite thinly among several competitors
• Proprietary retailer loyalty programs
  • Most retailer loyalty schemes are not related to a corresponding retailer payment card
• Coalition loyalty programs
• Consumer finance / personal loans
  • Point-of-sale finance in Colombia is made available through a variety of means including relationships with energy companies to verify borrower creditworthiness
  • FENALCO, an important national trade association, is also active in this field
• Banking products
  • Banking services are provided by two of the largest cajas de compensacion
• Insurance
  • Carrefour, Droguerias Cafam and Falabella are all active as distributors of insurance
• International remittance services
  • Western Union has established partnerships with several major retail chains in Colombia

8.0 COSTA RICA

• Introduction
• Retailer payment cards
  • Costa Rica hosts just one captive issuer of retailer payment cards
  • A majority of retailer payment cards in Costa Rica carry the Visa marque with Citibank the foremost non-captive card issuer in this respect
• Proprietary retailer loyalty programs
  • Over a half of major retail chains surveyed in Costa Rica operate a proprietary loyalty program
• Coalition loyalty programs
• Consumer finance / personal loans
  • Point-of-sale finance not linked to any payment card is less widely available in Costa Rica
• Banking products / insurance
• International remittance services
  • Western Union maintains relationships with several major retail chains in Costa Rica

9.0 ECUADOR

• Introduction
• Retailer payment cards
  • Most retailer payment cards in Ecuador are private label products although the MegaMaxi and SuperMaxi cards are available in multiple formats
• Proprietary retailer loyalty programs
  • Most proprietary loyalty schemes are run by retail brands belonging to Corporacion Favorita Coalition loyalty programs which is also the owner of the Cadena de Beneficios Supermaxi coalition loyalty program
• Consumer finance / personal loans
  • The market for stand-alone point-of-sale finance in Ecuador remains limited
• Banking products
  • Banco Territorial has grown rapidly since being acquired by Grupo Zunino in 2004
• Insurance
  • Like comparable retail formats in nearby Chile, Casa Tosi has begun selling insurance
• International remittance services
  • No major retail brands in Ecuador are currently providing international remittance services

10.0 MEXICO

• Introduction
• Retailer payment cards
  • A number of leading retail groups in Mexico issue cards through captive or joint venture entities
  • Banco Facil has experienced significant difficulties with bad debt since its launch in 2007
  • BNP Paribas Personal Finance acquired a 50% stake in Prestacomer in November 2008
  • Visa is more prominent than MasterCard in Mexico' s retailer payment card market while Citigroup' s Banamex has been most prolific in creating non-captive partnerships
• Proprietary retailer loyalty programs
  • Almost a third of major retail brands in Mexico operate a proprietary loyalty scheme Coalition loyalty programs although no coalition loyalty programs had been launched at the time of the research
• Consumer finance / personal loans
  • FONACOT plays an important role in the provision of consumer credit in Mexico
• Banking products
  • Through its link with Banamex, Soriana has chosen a non-captive route to retailer banking
  • Banco Ahorro Famsa has grown rapidly since launch but has yet to reach profitability
  • Banco Azteca has built up a network of more than 1,500 branches in under ten years
  • Since launch, the performance of BanCoppel has been similar to that of Banco Ahorro Famsa
  • Relative to its total assets, Banco Walmart has a lower exposure to credit risk
• Insurance
  • Whether measured by brands or groups, retailer insurance is an influential concept in Mexico
  • Seguros Azteca Danos, the non-life underwriter, experienced rapid growth in 2009
• International remittance services
  • Chedraui' s Cartera Dinamica facilitates the receipt of remittances made in the United States

11.0 PARAGUAY

• Introduction
• Retailer payment cards
  • A handful of retailer payment cards are in evidence, mostly in a private label format
  • The Stock Visa card is just one of several co-branded cards developed by Interbanco
• Proprietary retailer loyalty programs
  • Few major retail brands in Paraguay have developed their own loyalty scheme thus far
• Coalition loyalty programs
• Consumer finance / personal loans
  • The limited market for point-of-sale finance is organized mainly on a captive basis
• Banking products / insurance
• International remittance services

11.0 PERU

• Introduction
• Retailer payment cards
  • A majority of major retail brands in Peru have developed co-branded or private label cards
  • Vivanda has developed a co-branded card in association with American Express with Hiraoka distinguishing itself through both Diners Club and Visa cards
  • A majority of sales transacted in Max and Ripley stores are paid for with a Banco Ripley card
  • The co-branded Vea Visa card accounts for over a half of all payment cards issued by Interbank
  • Scotiabank is the most prolific creator of partnerships for retailer payment cards in Peru
• Proprietary retailer loyalty programs
  • Relatively few Peruvian retailers operate their own proprietary loyalty scheme
• Coalition loyalty programs
  • Both Empresas Ripley and Falabella have exported their loyalty schemes to Peru
• Consumer finance / personal loans
  • Banco Financiera and Financiera TFC are the only non-captive partners identified in Peru
• Banking products
  • Eight major retail brands in Peru host bank branches within their stores
• Insurance
  • Four retailing groups are active as distributors in the Peruvian insurance sector
  • Selling through retail outlets adds up to an important marketing option for Interseguro
• International remittance services
  • Among retail brands in Peru, only Carsa is active in the provision of international remittances

12.0 URUGUAY

• Introduction
• Retailer payment cards
  • Most retailer payment cards are available in both MasterCard and Visa versions with three non-captive and one captive card issuer involved in this market
• Proprietary retailer loyalty programs
  • Eight major retail brands in Uruguay have developed their own loyalty scheme thus far
• Coalition loyalty programs
• Consumer finance / personal loans
  • Point-of-sale finance in Uruguay remains at an early stage of its development
• Banking products / insurance
• International remittance services
  • None of the main retailers in Uruguay has a relationship with international money transfer providers

13.0 USA

• Introduction
• Retailer payment cards
  • Over a half of the major brands surveyed in the US have developed their own payment card with a small number of these active in this sphere through small captive banks
  • Nordstrom has stated that it will continue to manage its own credit card business
• Proprietary retailer loyalty programs
  • Almost six out of ten major US retail brands run a proprietary retailer loyalty program with many of these applying to several brands within single retailing groups
  • Coalition loyalty programs
• Consumer finance / personal loans
  • The ubiquity of credit cards means that relatively few retailers offer stand-alone consumer credit
• Banking products
  • While several major US retail brands have stopped distributing mortgages savings products are promoted by five, including Costco, Cub Foods and Nordstrom
• Insurance
  • A number of retail brands market motor, household, pet or life insurance to their customers
  • Kroger Personal Finance has been active in financial services, including insurance, since 2004
  • Retailers face the barrier of state-by-state regulation when it comes to selling insurance
• International remittance services
  • International remittance services a very substantial number of major retail brands in the US with Moneygram and Western Union exercising a virtual duopoly in this sphere

GRAPHICS / TABLES

• Major retailers covered by the research segmented by category and by country
• % of major retailers in North and Latin America offering payment cards split by country, 2009 / 2010
• % of major retailers in North and Latin America offering payment cards split by category of retailer, 2009 / 2010
• % split of fuel retailers in North and Latin America that have developed co-branded consumer-oriented payment cards in addition to or instead of fuel cards, 2009 / 2010
• % split of payment cards offered by major retailers in North and Latin America by type and country, 2009 / 2010
• % split of payment cards offered by major retailers in North and Latin America by type and country, 2009 / 2010 (data)
• % split of payment cards offered by major retailers in North and Latin America by operating model and country, 2009 / 2010
• % split of payment cards offered by major retailers in North and Latin America by operating model and country, 2009 / 2010 (data)
• % split of payment cards offered by major retailers in North and Latin America by network / marque, 2009 / 2010
• % split of payment cards offered by major retailers by network / marque and country in North and Latin America, 2009 / 2010
• % split of payment cards offered by major retailers by network / marque and country in North and Latin America, 2009 / 2010 (data)
• Influence of issuers owned or controlled by Alliance Data Systems, BNP Paribas, Citigroup, GE Capital and HSBC on payment cards offered by major retailers in North and Latin America, 2009 / 2010
• % of major retailers in North and Latin America offering proprietary loyalty programs split by country, 2009 / 2010
• % of major retailers in North and Latin America offering proprietary loyalty programs split by category of retailer, 2009 / 2010
• % split of proprietary loyalty programs offered by major retailers in North and Latin America according to whether they are linked to a payment card and / or a card with no payment function or are not linked to any kind of card by country, 2009 / 2010
• % split of proprietary loyalty programs offered by major retailers in North and Latin America according to whether they are linked to a payment card and / or a card with no payment function or are not linked to any kind of card by country, 2009 / 2010 (data)
• % of major retailers in North and Latin America involved in coalition loyalty programs split by country, 2009 / 2010
• % of major retailers in North and Latin America involved in coalition loyalty programs split by category of retailer, 2009 / 2010
• % of major retailers in North and Latin America offering consumer finance / personal loans split by country, 2009 / 2010
• % of major retailers in North and Latin America offering consumer finance / personal loans by category of retailer, 2009 / 2010
• % split of schemes for consumer finance / personal loans offered by major retailers in North and Latin America by operating model and country, 2009 / 2010
• % split of schemes for consumer finance / personal loans offered by major retailers in North and Latin America by operating model and country, 2009 / 2010 (data)
• % of major retailers in North and Latin America offering mortgages split by country, 2009 / 2010
• % of major retailers in North and Latin America offering savings accounts split by country, 2009 / 2010
• Major retailers in North and Latin America with captive or joint venture finance arms, 2009 / 2010
• Major retailers in North and Latin America with captive or joint venture finance arms, 2009 / 2010 (continued)
• Major retailers in North and Latin America with captive or joint venture finance arms, 2009 / 2010 (continued)
• Major retailers in North and Latin America with captive or joint venture finance arms, 2009 / 2010 (continued)
• Major retailers in North and Latin America with captive or joint venture finance arms, 2009 / 2010 (continued)
• % of major retailers in North and Latin America offering any form of mainstream insurance split by country, 2009 / 2010
• Overview of retailer provision of mainstream insurance in North and Latin America by type of policy, 2009 / 2010
• % of major retailers in North and Latin America offering any form of mainstream insurance by category of retailer, 2009 / 2010
• % split of schemes for mainstream insurance offered by major retailers in North and Latin America by operating model and country, 2009 / 2010
• % split of schemes for mainstream insurance offered by major retailers in North and Latin America by operating model and country, 2009 / 2010 (data)
• Major retailers in North and Latin America distributing motor insurance: operating models and partners, 2009 / 2010
• Major retailers in North and Latin America distributing motor insurance: operating models and partners, 2009 / 2010 (continued)
• Major retailers in North and Latin America distributing household insurance: operating models and partners, 2009 / 2010
• Major retailers in North and Latin America distributing household insurance: operating models and partners, 2009 / 2010 (continued)
• Major retailers in North and Latin America distributing accident insurance: operating models and partners, 2009 / 2010
• Major retailers in North and Latin America distributing dental insurance: operating models and partners, 2009 / 2010
• Major retailers in North and Latin America distributing other health insurance: operating models and partners, 2009 / 2010
• Major retailers in North and Latin America distributing travel insurance: operating models and partners, 2009 / 2010
• Major retailers in North and Latin America distributing pet insurance: operating models and partners, 2009 / 2010
• Major retailers in North and Latin America distributing life insurance: operating models and partners, 2009 / 2010
• Major retailers in North and Latin America distributing life insurance: operating models and partners, 2009 / 2010 (continued)
• Number of international migrants and percentage of population classified as international migrants in North and Latin America (data)
• International remittance outflows and inflows in North and Latin America, 2007 (data)
• International remittance outflows per migrant and inflows per capita in North and Latin America, 2007 (data)
• % of consumers in Germany acquiring financial services through supermarkets and all other types of retailer combined, 2008 and previous years compared (data)
• % of consumers in the UK acquiring financial services through supermarkets and all other types of retailer combined, 2007 and previous years compared (data)
• Retailer payment cards in Argentina: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Argentina: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Argentina: provision rates and program types, 2009 / 2010
• Retailer involvement in coalition loyalty programs in Argentina: provision rates and program types, 2009 / 2010
• Payment cards linked to coalition loyalty programs in Argentina: card types, operating models, and network and issuer shares, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Argentina: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer provision of insurance in Argentina: provision rates by type of insurance, 2009 / 2010
• Retailer provision of insurance in Argentina: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer payment cards in Brazil: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Brazil: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Brazil: provision rates and program types, 2009 / 2010
• Retailer involvement in coalition loyalty programs in Brazil: provision rates and program types, 2009 / 2010
• Payment cards linked to coalition loyalty programs in Brazil: card types, operating models, and network and issuer shares, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Brazil: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer provision of insurance in Brazil: provision rates by type of insurance, 2009 / 2010
• Retailer provision of insurance in Brazil: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer payment cards in Canada: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Canada: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Canada: provision rates and program types, 2009 / 2010
• Coalition loyalty programs in Canada: provision rates and program types, 2009 / 2010
• Payment cards linked to coalition loyalty programs in Canada: card types, operating models, and network and issuer shares, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Canada: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer provision of mortgages in Canada: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer provision of savings accounts in Canada: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer provision of insurance in Canada: provision rates by type of insurance, 2009 / 2010
• Retailer provision of insurance in Canada: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer payment cards in Chile: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Chile: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Chile: provision rates and program types, 2009 / 2010
• Retailer involvement in coalition loyalty programs in Chile: provision rates and program types, 2009 / 2010
• Payment cards linked to coalition loyalty programs in Chile: card types, operating models, and network and issuer shares, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Chile: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer provision of mortgages / savings accounts in Chile: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer provision of insurance in Chile: provision rates by type of insurance, 2009 / 2010
• Retailer provision of insurance in Chile: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer payment cards in Colombia: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Colombia: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Colombia: provision rates and program types, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Colombia: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer provision of mortgages in Colombia: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer provision of insurance in Colombia: provision rates by type of insurance, 2009 / 2010
• Retailer provision of insurance in Colombia: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer payment cards in Costa Rica: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Costa Rica: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Costa Rica: provision rates and program types, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Costa Rica: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer payment cards in Ecuador: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Ecuador: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Ecuador: provision rates and program types, 2009 / 2010
• Retailer involvement in coalition loyalty programs in Ecuador: provision rates and program types, 2009 / 2010
• Payment cards linked to coalition loyalty programs in Ecuador: card types, operating models, and network and issuer shares, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Ecuador: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer payment cards in Mexico: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Mexico: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Mexico: provision rates and program types, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Mexico: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer provision of savings accounts in Mexico: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer provision of insurance in Mexico: provision rates by type of insurance, 2009 / 2010
• Retailer provision of insurance in Mexico: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer payment cards in Paraguay: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Paraguay: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Paraguay: provision rates and program types, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Paraguay: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer payment cards in Peru: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Peru: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Peru: provision rates and program types, 2009 / 2010
• Retailer involvement in coalition loyalty programs in Peru: provision rates and program types, 2009 / 2010
• Payment cards linked to coalition loyalty programs in Peru: card types, operating models, and network and issuer shares, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Peru: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer provision of mortgages in Peru: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer provision of savings accounts in Peru: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer provision of insurance in Peru: provision rates by type of insurance, 2009 / 2010
• Retailer provision of insurance in Peru: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer payment cards in Uruguay: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in Uruguay: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in Uruguay: provision rates and program types, 2009 / 2010
• Retailer provision of consumer finance / personal loans in Uruguay: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer payment cards in the USA: provision rates, card types and operating models, 2009 / 2010
• Retailer payment cards in the USA: network and issuer shares, 2009 / 2010
• Proprietary retailer loyalty programs in the USA: provision rates and program types, 2009 / 2010
• Coalition loyalty programs in the USA: provision rates and program types, 2009 / 2010
• Payment cards linked to coalition loyalty programs in the USA: card types, operating models, and network and issuer shares, 2009 / 2010
• Retailer provision of consumer finance / personal loans in the USA: provision rates, operating models and lender market shares, 2009 / 2010
• Retailer provision of mortgages in the USA: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer provision of savings accounts in the USA: provision rates, operating models and partner market shares, 2009 / 2010
• Retailer provision of insurance in the USA: provision rates by type of insurance, 2009 / 2010
• International remittance services
• Retailer provision of insurance in the USA: provision rates, operating models and partner market shares, 2009 / 2010

Related Reports