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PUBLISHER: Euromonitor International | PRODUCT CODE: 1219491

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PUBLISHER: Euromonitor International | PRODUCT CODE: 1219491

Financial Cards and Payments in Germany

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PAGES: 62 Pages
DELIVERY TIME: 1-2 business days
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Financial cards and payments in Germany experienced a boost in 2022 resulting from real growth in consumer spending. With the impact of the pandemic on everyday life in Germany gradually waning, consumer expenditure increased considerably. This was further driven by the combination of significant pent-up demand, particularly for services, and a high level of savings following two years of pandemic-related restrictions which reduced spending. Due to this high level of savings, rising inflation an...

Euromonitor International's Financial Cards and Payments in Germany report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Financial Cards in Circulation, M-Commerce, Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Financial Cards and Payments market;
  • Pinpoint growth sectors and identify factors driving change;
  • Understand the competitive environment, the market's major players and leading brands;
  • Use five-year forecasts to assess how the market is predicted to develop.
Product Code: FCDE

TABLE OF CONTENTS

List Of Contents And Tables

EXECUTIVE SUMMARY

  • Financial cards and payments in 2022: The big picture
  • Within financial cards, all eyes turn to debit cards
  • Electronic payments fuelled by rapid innovation and consumer adoption
  • Shift away from cash intensifies competition within financial cards and payments
  • What next for financial cards and payments?

MARKET INDICATORS

  • Table 1 Number of POS Terminals: Units 2017-2022
  • Table 2 Number of ATMs: Units 2017-2022
  • Table 3 Value Lost to Fraud 2017-2022
  • Table 4 Card Expenditure by Location 2022
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2017-2022
  • Table 6 Domestic versus Foreign Spend 2022

MARKET DATA

  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2017-2022
  • Table 8 Financial Cards by Category: Number of Accounts 2017-2022
  • Table 9 Financial Cards Transactions by Category: Value 2017-2022
  • Table 10 Financial Cards by Category: Number of Transactions 2017-2022
  • Table 11 Consumer Payments by Category: Value 2017-2022
  • Table 12 Consumer Payments by Category: Number of Transactions 2017-2022
  • Table 13 M-Commerce by Category: Value 2017-2022
  • Table 14 M-Commerce by Category: % Value Growth 2017-2022
  • Table 15 Financial Cards: Number of Cards by Issuer 2017-2021
  • Table 16 Financial Cards: Number of Cards by Operator 2017-2021
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2017-2021
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2017-2021
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2022-2027
  • Table 20 Forecast Financial Cards by Category: Number of Accounts 2022-2027
  • Table 21 Forecast Financial Cards Transactions by Category: Value 2022-2027
  • Table 22 Forecast Financial Cards by Category: Number of Transactions 2022-2027
  • Table 23 Forecast Consumer Payments by Category: Value 2022-2027
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2022-2027
  • Table 25 Forecast M-Commerce by Category: Value 2022-2027
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2022-2027

DISCLAIMER

SOURCES

  • Summary 1 Research Sources

DEBIT CARDS IN GERMANY

KEY DATA FINDINGS

2022 DEVELOPMENTS

  • Debit cards maintains growth momentum as the impact of the pandemic wanes
  • Leading local operator faces growing pressure amid Maestro exit
  • Mastercard and Visa continue rapid expansion

PROSPECTS AND OPPORTUNITIES

  • Multiple drivers strengthen outlook for debit cards in Germany
  • Non-girocard debit cards will further disrupt the competitive landscape
  • Rapid changes threaten girocard's dominance in the years ahead

CATEGORY DATA

  • Table 27 Debit Cards: Number of Cards in Circulation 2017-2022
  • Table 28 Debit Cards Transactions 2017-2022
  • Table 29 Debit Cards in Circulation: % Growth 2017-2022
  • Table 30 Debit Cards Transactions: % Growth 2017-2022
  • Table 31 Debit Cards: Number of Cards by Issuer 2017-2021
  • Table 32 Debit Cards: Number of Cards by Operator 2017-2021
  • Table 33 Debit Cards Payment Transaction Value by Issuer 2017-2021
  • Table 34 Debit Cards Payment Transaction Value by Operator 2017-2021
  • Table 35 Forecast Debit Cards: Number of Cards in Circulation 2022-2027
  • Table 36 Forecast Debit Cards Transactions 2022-2027
  • Table 37 Forecast Debit Cards in Circulation: % Growth 2022-2027
  • Table 38 Forecast Debit Cards Transactions: % Growth 2022-2027

CHARGE CARDS IN GERMANY

KEY DATA FINDINGS

2022 DEVELOPMENTS

  • Charge cards continues to recover from pandemic's impact
  • Visa and Mastercard dominate an increasingly dynamic environment
  • New card strategy by international operators threatens charge cards

PROSPECTS AND OPPORTUNITIES

  • Charge cards offers further growth potential despite rising challenges
  • New card strategy by Visa and Mastercard will determine trajectory of charge cards
  • Emerging payment alternatives could dampen stronger growth opportunities

CATEGORY DATA

  • Table 39 Charge Cards: Number of Cards in Circulation 2017-2022
  • Table 40 Charge Cards Transactions 2017-2022
  • Table 41 Charge Cards in Circulation: % Growth 2017-2022
  • Table 42 Charge Cards Transactions: % Growth 2017-2022
  • Table 43 Commercial Charge Cards: Number of Cards in Circulation 2017-2022
  • Table 44 Commercial Charge Cards Transactions 2017-2022
  • Table 45 Commercial Charge Cards in Circulation: % Growth 2017-2022
  • Table 46 Commercial Charge Cards Transactions: % Growth 2017-2022
  • Table 47 Personal Charge Cards: Number of Cards in Circulation 2017-2022
  • Table 48 Personal Charge Cards Transactions 2017-2022
  • Table 49 Personal Charge Cards in Circulation: % Growth 2017-2022
  • Table 50 Personal Charge Cards Transactions: % Growth 2017-2022
  • Table 51 Charge Cards: Number of Cards by Issuer 2017-2021
  • Table 52 Charge Cards: Number of Cards by Operator 2017-2021
  • Table 53 Charge Cards Payment Transaction Value by Issuer 2017-2021
  • Table 54 Charge Cards Payment Transaction Value by Operator 2017-2021
  • Table 55 Commercial Charge Cards: Number of Cards by Issuer 2017-2021
  • Table 56 Commercial Charge Cards: Number of Cards by Operator 2017-2021
  • Table 57 Commercial Charge Cards Payment Transaction Value by Issuer 2017-2021
  • Table 58 Commercial Charge Cards Payment Transaction Value by Operator 2017-2021
  • Table 59 Personal Charge Cards: Number of Cards by Issuer 2017-2021
  • Table 60 Personal Charge Cards: Number of Cards by Operator 2017-2021
  • Table 61 Personal Charge Cards Transaction Value by Issuer 2017-2021
  • Table 62 Personal Charge Cards Transaction Value by Operator 2017-2021
  • Table 63 Forecast Charge Cards: Number of Cards in Circulation 2022-2027
  • Table 64 Forecast Charge Cards Transactions 2022-2027
  • Table 65 Forecast Charge Cards in Circulation: % Growth 2022-2027
  • Table 66 Forecast Charge Cards Transactions: % Growth 2022-2027
  • Table 67 Forecast Commercial Charge Cards: Number of Cards in Circulation 2022-2027
  • Table 68 Forecast Commercial Charge Cards Transactions 2022-2027
  • Table 69 Forecast Commercial Charge Cards in Circulation: % Growth 2022-2027
  • Table 70 Forecast Commercial Charge Cards Transactions: % Growth 2022-2027
  • Table 71 Forecast Personal Charge Cards: Number of Cards in Circulation 2022-2027
  • Table 72 Forecast Personal Charge Cards Transactions 2022-2027
  • Table 73 Forecast Personal Charge Cards in Circulation: % Growth 2022-2027
  • Table 74 Forecast Personal Charge Cards Transactions: % Growth 2022-2027

PRE-PAID CARDS IN GERMANY

KEY DATA FINDINGS

2022 DEVELOPMENTS

  • Pre-paid cards records temporary decline amid extraordinary circumstances
  • Open loop pre-paid cards sees diverging development as Geldkarte is discontinued
  • Germany's temporary 9-euro travel scheme disrupts growth of eTicket

PROSPECTS AND OPPORTUNITIES

  • Positive outlook for pre-paid cards as cash transactions decline
  • Strong potential for open loop pre-paid cards in non-cash environment
  • eTicket travel card could see widespread adoption following 9-euro ticket experience

CATEGORY DATA

  • Table 75 Pre-paid Cards: Number of Cards in Circulation 2017-2022
  • Table 76 Pre-paid Cards Transactions 2017-2022
  • Table 77 Pre-paid Cards in Circulation: % Growth 2017-2022
  • Table 78 Pre-paid Cards Transactions: % Growth 2017-2022
  • Table 79 Closed Loop Pre-paid Cards Transactions 2017-2022
  • Table 80 Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
  • Table 81 Open Loop Pre-paid Cards Transactions 2017-2022
  • Table 82 Open Loop Pre-paid Cards Transactions: % Growth 2017-2022
  • Table 83 Pre-paid Cards: Number of Cards by Issuer 2017-2021
  • Table 84 Pre-paid Cards: Number of Cards by Operator 2017-2021
  • Table 85 Pre-paid Cards Transaction Value by Issuer 2017-2021
  • Table 86 Pre-paid Cards Transaction Value by Operator 2017-2021
  • Table 87 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
  • Table 88 Closed Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
  • Table 89 Closed Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
  • Table 90 Closed Loop Pre-paid Cards Transaction Value by Operator 2017-2021
  • Table 91 Open Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
  • Table 92 Open Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
  • Table 93 Open Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
  • Table 94 Open Loop Pre-paid Cards Transaction Value by Operator 2017-2021
  • Table 95 Forecast Pre-paid Cards: Number of Cards in Circulation 2022-2027
  • Table 96 Forecast Pre-paid Cards Transactions 2022-2027
  • Table 97 Forecast Pre-paid Cards in Circulation: % Growth 2022-2027
  • Table 98 Forecast Pre-paid Cards Transactions: % Growth 2022-2027
  • Table 99 Forecast Closed Loop Pre-paid Cards Transactions 2022-2027
  • Table 100 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2022-2027
  • Table 101 Forecast Open Loop Pre-paid Cards Transactions 2022-2027
  • Table 102 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2022-2027

STORE CARDS IN GERMANY

KEY DATA FINDINGS

2022 DEVELOPMENTS

  • Ongoing post-pandemic recovery fuels temporary growth in store card transactions
  • Breuninger remains rare success story within store cards
  • Loyalty cards without payment function are preferred by retailers and consumers

PROSPECTS AND OPPORTUNITIES

  • Lack of innovation set to exacerbate downward trend of store cards
  • Breuninger and Douglas will remain exceptions from shift to co-branded credit cards
  • Rising influence of e-commerce and apps will fuel ongoing decline

CATEGORY DATA

  • Table 103 Store Cards: Number of Cards in Circulation 2017-2022
  • Table 104 Store Cards Transactions 2017-2022
  • Table 105 Store Cards in Circulation: % Growth 2017-2022
  • Table 106 Store Cards Transactions: % Growth 2017-2022
  • Table 107 Store Cards: Number of Cards by Issuer 2017-2021
  • Table 108 Store Cards: Payment Transaction Value by Issuer 2017-2021
  • Table 109 Forecast Store Cards: Number of Cards in Circulation 2022-2027
  • Table 110 Forecast Store Cards Transactions 2022-2027
  • Table 111 Forecast Store Cards in Circulation: % Growth 2022-2027
  • Table 112 Forecast Store Cards Transactions: % Growth 2022-2027

CREDIT CARDS IN GERMANY

KEY DATA FINDINGS

2022 DEVELOPMENTS

  • Limited benefits for credit cards with move away from cash
  • Co-branding strategy remains most effective amid declining credit card appeal
  • Buy Now Pay Later emerges as superior alternative to credit cards

PROSPECTS AND OPPORTUNITIES

  • Credit cards faces growing pressure in post-pandemic payment landscape
  • 2023 launch of new credit card by DSGV might provide growth impulse
  • Buy Now Pay Later likely to present further threat to credit cards

CATEGORY DATA

  • Table 113 Credit Cards: Number of Cards in Circulation 2017-2022
  • Table 114 Credit Cards Transactions 2017-2022
  • Table 115 Credit Cards in Circulation: % Growth 2017-2022
  • Table 116 Credit Cards Transactions: % Growth 2017-2022
  • Table 117 Personal Credit Cards: Number of Cards in Circulation 2017-2022
  • Table 118 Personal Credit Cards Transactions 2017-2022
  • Table 119 Personal Credit Cards in Circulation: % Growth 2017-2022
  • Table 120 Personal Credit Cards Transactions: % Growth 2017-2022
  • Table 121 Credit Cards: Number of Cards by Issuer 2017-2021
  • Table 122 Credit Cards: Number of Cards by Operator 2017-2021
  • Table 123 Credit Cards Payment Transaction Value by Issuer 2017-2021
  • Table 124 Credit Cards Payment Transaction Value by Operator 2017-2021
  • Table 125 Commercial Credit Cards: Number of Cards by Issuer 2017-2021
  • Table 126 Personal Credit Cards: Number of Cards by Issuer 2017-2021
  • Table 127 Personal Credit Cards: Number of Cards by Operator 2017-2021
  • Table 128 Personal Credit Cards Payment Transaction Value by Issuer 2017-2021
  • Table 129 Personal Credit Cards Payment Transaction Value by Operator 2017-2021
  • Table 130 Forecast Credit Cards: Number of Cards in Circulation 2022-2027
  • Table 131 Forecast Credit Cards Transactions 2022-2027
  • Table 132 Forecast Credit Cards in Circulation: % Growth 2022-2027
  • Table 133 Forecast Credit Cards Transactions: % Growth 2022-2027
  • Table 134 Forecast Personal Credit Cards: Number of Cards in Circulation 2022-2027
  • Table 135 Forecast Personal Credit Cards Transactions 2022-2027
  • Table 136 Forecast Personal Credit Cards in Circulation: % Growth 2022-2027
  • Table 137 Forecast Personal Credit Cards Transactions: % Growth 2022-2027
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