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Market research for the consumer finance industry

Euromonitor has the world’s most comprehensive research on the consumer finance industry. We monitor and analyse industry trends in consumer finance globally, including in-depth data on market share and market size – from the “big picture” down to specific category levels. Categories in consumer finance include:


Euromonitor data and market analysis advances your knowledge of the industry and its competitive environment, ensuring accurate and focused strategies for your business. Our market research can be used throughout your entire organisation, including strategic development, marketing, mergers and acquisitions, and brand management.

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Global Briefing

Consumer Payments 2015: Trends, Developments and Prospects

Globally, the consumer payment market has more than doubled over the last decade to reach US$47 trillion in 2014. There are three main themes that will dominate the consumer payments storyline in 2015: driving financial card payment volume by ...

Mar 2015 | US$1,200 | Pages: 55 | Add to cart | View details

Country Report

Financial Cards and Payments in South Africa

The South African economy continued to suffer during the period 2013/2014. Structural problems continued to impede economic growth, with rising utility and fuel costs and other inflationary pressures driving interest rate hikes. The poor export ...

Feb 2015 | US$1,900 | Pages: 61 | Add to cart | View details

Country Report

Consumer Lending in the Netherlands

There was a small improvement in outstanding balance within consumer lending in 2014, as the Dutch economy showed a slow but sound recovery. The trend of paying back loans with savings is still continuing, but, in addition, there are strong signs ...

Feb 2015 | US$1,900 | Pages: 12 | Add to cart | View details

Country Report

Consumer Lending in Malaysia

Consumer lending recorded slower current value growth in both gross lending and outstanding balance terms in 2014. Malaysia’s household debt to GDP ratio stood at close to 89% as of 2013, thus forcing the Malaysian government to take further action ...

Feb 2015 | US$1,900 | Pages: 12 | Add to cart | View details

Country Report

Consumer Lending in Romania

In order to revitalise the crediting market in Romania, the National Bank of Romania (BNR) has adopted a series of measures including reduction of the reference interest rate from 6% in the first quarter of 2013 to 3% in Q1 2014. The most visible ...

Feb 2015 | US$1,900 | Pages: 12 | Add to cart | View details

Country Report

Financial Cards and Payments in Romania

Despite the bright growth prospects for the card payment segment over the forecast period, the dynamic rise in the value of card transactions over the review period and the increase in the number of cards issued, extension of the network of POS ...

Feb 2015 | US$1,900 | Pages: 61 | Add to cart | View details

Country Report

Financial Cards and Payments in the United Kingdom

The rise of remote mobile payments and the UK’s ongoing online shopping boom contributed to the increasing online use of credit and debit cards in 2014, although the rise of proximity mobile payments has the potential to compromise this growth. New ...

Feb 2015 | US$1,900 | Pages: 69 | Add to cart | View details

Country Report

Financial Cards and Payments in Singapore

Consumers preferred making payments using cards instead of cash as this was considered convenient and fuss-free. Card operators also offered numerous privileges and benefits ranging from lifestyle to travel needs. Besides these privileges, consumers ...

Feb 2015 | US$1,900 | Pages: 65 | Add to cart | View details

Country Report

Consumer Lending in Singapore

Consumer lending performed well in 2014, with total gross lending registering positive current value growth. Card lending saw a slowdown in gross lending growth compared with 2013, partly due to tightened regulations on unsecured credit. “Other” ...

Feb 2015 | US$1,900 | Pages: 18 | Add to cart | View details

Country Report

Financial Cards and Payments in the US

The pendulum of credit card spending has finally swung back towards personal cards, after growth had been primarily driven by corporate spending following the recession. While corporate coffers are still quite full, there is less government interest ...

Feb 2015 | US$1,900 | Pages: 85 | Add to cart | View details

Company Profile

Banco Santander SA in Consumer Finance

Banco Santander is one of the largest banks by total assets based in Europe and has retail operations throughout East and West Europe, Latin America and the US. The bank transitioned from a local lender to an international institution through a ...

Feb 2015 | US$525 | Pages: 31 | Add to cart | View details

Country Report

Consumer Lending in Mexico

Consumer lending continued to show notable expansion in 2014. Stronger signs of economic recovery continued to emerge in several categories of consumer lending, such as card lending and other personal lending. Gross lending in auto lending slowed ...

Feb 2015 | US$1,900 | Pages: 13 | Add to cart | View details

Country Report

Financial Cards and Payments in Germany

The long term trend of cash substitution continued in 2014, as German consumers are increasingly using financial cards for payments. Especially amongst young and middle-aged consumers it is regarded as more up-to-date to pay by card rather than by ...

Feb 2015 | US$1,900 | Pages: 73 | Add to cart | View details

Country Report

Consumer Lending in Austria

As a result of the European Central Bank’s (ECB) continuation of its loose monetary policy, interest on loans remained low in Austria in 2014, resulting in healthy demand for consumer lending and good growth in gross lending. Growth in the overall ...

Feb 2015 | US$1,900 | Pages: 14 | Add to cart | View details

Country Report

Consumer Lending in the Czech Republic

Strong growth both in terms of gross lending and outstanding balance continued throughout 2014 in the Czech Republic. Following on from the low interbank interest rates set by central banks across Europe, consumers in the Czech Republic benefited ...

Jan 2015 | US$1,900 | Pages: 13 | Add to cart | View details

Country Report

Consumer Lending in the US

Outside of the two credit categories that have made headlines in recent years (mortgages and education), most of the rest of the credit industry has seen healthy gains. In some categories this has been reflected as increased consumer demand, a side ...

Jan 2015 | US$1,900 | Pages: 20 | Add to cart | View details

Country Report

Consumer Lending in South Korea

Consumer lending recorded moderate growth in both gross lending and outstanding balance terms in 2014. Even though education lending and home lending growth rates are decreasing, mortgages/housing soared in 2014, thus boosting general consumer ...

Jan 2015 | US$1,900 | Pages: 14 | Add to cart | View details

Country Report

Financial Cards and Payments in South Korea

Financial cards and payments saw healthy growth in 2014, with value transactions showing a slight higher growth rate compared to the previous year. However, growth of cards in circulation has suffered for two consecutive years, due to a decline in ...

Jan 2015 | US$1,900 | Pages: 59 | Add to cart | View details

Country Report

Consumer Lending in Poland

After 2013 saw mortgages/housing gross lending falling to the lowest levels for seven years, the category began slowly recovering during 2014. The Polish economy registered strong growth rates during 2014, with even higher growth expected during ...

Jan 2015 | US$1,900 | Pages: 20 | Add to cart | View details

Country Report

Financial Cards and Payments in Poland

Following the Polish government’s decision to reduce interchange fees which previously among the highest in the EU, the development of cashless payments has accelerated in Poland. Major cash and carry retailers Makro and Selgros each introduced card ...

Jan 2015 | US$1,900 | Pages: 83 | Add to cart | View details

Country Report

Consumer Lending in Norway

Consumer lending in Norway continues to enjoy high and stable growth. Despite increasing demand for debt consolidation and the fact that household savings increased considerably during the review period, card usage remained high and consumer ...

Jan 2015 | US$1,900 | Pages: 17 | Add to cart | View details

Country Report

Financial Cards and Payments in Norway

The number of card transactions per capita in Norway was only surpassed by its fellow Scandinavian neighbour, Iceland, in the world. However, despite the country’s already elevated level of card usage, consumers continued to use their cards more ...

Jan 2015 | US$1,900 | Pages: 76 | Add to cart | View details

Country Report

Consumer Lending in Ukraine

In 2014, consumers are not keen to risk borrowing large sums of money, with ongoing military action and economic uncertainty in the country. As a result, gross lending is restricted, driven primarily by consumer interest in cash loans for minor needs...

Jan 2015 | US$1,900 | Pages: 13 | Add to cart | View details

Country Report

Financial Cards and Payments in Ukraine

Financial cards in Ukraine is benefiting from growing consumer interest in paying with cards for diverse products and services. The number of active cards is on the rise together with growth in transaction values. Traditionally the country has a ...

Jan 2015 | US$1,900 | Pages: 52 | Add to cart | View details

Country Report

Financial Cards and Payments in the Czech Republic

Card payments continued to see strong growth during 2014. The number of transactions has been rising even faster than retail value, which means that cards are being used more actively and consumers are using payment cards for lower sums. ATM and cash...

Jan 2015 | US$1,900 | Pages: 64 | Add to cart | View details

Country Report

Consumer Lending in China

Mortgage/housing is the most important category consumer lending. However, the tepid performance of China’s residential housing market, affected by the slowing down of the macro economy and weaker consumer confidence, led to mortgage/housing seeing a...

Jan 2015 | US$1,900 | Pages: 14 | Add to cart | View details

Country Report

Financial Cards and Payments in China

Economic slowdown in China, as well as the uncertain global economy, resulting in weaker consumer confidence and less frequent transactions, slowed the growth in total card transactions in 2014. A significant slowdown in pre-paid card transactions, ...

Jan 2015 | US$1,900 | Pages: 61 | Add to cart | View details

Country Report

Financial Cards and Payments in Chile

Debit cards led growth within financial cards in 2014 in cards in circulation, number of transactions and also transaction value terms. The proliferation of POS terminals (under the Redcompra brand) serves as a stimulus for consumers to replace part ...

Jan 2015 | US$1,900 | Pages: 58 | Add to cart | View details

Country Report

Consumer Lending in Denmark

In 2014, the economy in Denmark continued to improve after experiencing many fluctuations throughout the review period. Just as economic instability and fluctuations have a very strong influence on consumer behaviour, so does stable improvement. This...

Jan 2015 | US$1,900 | Pages: 15 | Add to cart | View details

Country Report

Financial Cards and Payments in Denmark

The number of financial transactions in Denmark continued to increase in 2014. As a result, the value of transactions grew in current terms, and across all types of cards. Improvements in the economic climate in Denmark, decreased usage of cash and ...

Jan 2015 | US$1,900 | Pages: 65 | Add to cart | View details

Country Report

Consumer Lending in Portugal

The performance of the Portuguese economy has a strong influence on the performance of consumer lending in Portugal. Naturally, the Portuguese economy is in turn influenced by the Eurozone. While the Eurozone economy is starting to show reliable ...

Jan 2015 | US$1,900 | Pages: 15 | Add to cart | View details

Country Report

Financial Cards and Payments in Portugal

In the highly developed Portuguese financial market, the usage of cards as a means of payment is deeply rooted in consumer habits. Cash and other paper payment types have been losing popularity despite the fact that some retailers limited the ...

Jan 2015 | US$1,900 | Pages: 66 | Add to cart | View details

Global Briefing

The Mobile Wallet: A Pathway to Creating the Consumer-centric Experience of Tomorrow

When Starbucks Corp came to market in 2011 with its mobile payments app, there had yet to be a company that had gained much traction with the relatively new idea of a consumer using a mobile phone to make an in-store purchase. Now, the coffeehouse ...

Jan 2015 | US$1,200 | Pages: 47 | Add to cart | View details

Country Report

Financial Cards and Payments in Sweden

Sweden’s movement towards a cashless society is fuelling growth in financial cards and payments. This is not least because a growing number of retail banks are refusing to handle cash, while the attitude towards the use of cash as a payment method is...

Jan 2015 | US$1,900 | Pages: 78 | Add to cart | View details

Country Report

Consumer Lending in Sweden

Consumer lending in Sweden saw an increase in value for both outstanding balance and gross lending in 2014. This represents and reflects a continuation of the increasing trend established for outstanding balance and gross lending growth rates over ...

Jan 2015 | US$1,900 | Pages: 14 | Add to cart | View details

Company Profile

China Unionpay Co Ltd in Consumer Finance

China UnionPay is the largest global operator by cards in circulation, with over 4.3 billion cards distributed. The operator was launched in 2002 and immediately benefited from a domestic monopoly. CUP is investing in expanding issuing agreements ...

Jan 2015 | US$525 | Pages: 36 | Add to cart | View details

Country Report

Financial Cards and Payments in Mexico

Despite efforts by card issuers and operators, cash remained the preferred method of payment in Mexico. Large amounts of the population are considered unbanked or underserved, meaning significant opportunity remained to bring consumers into the ...

Jan 2015 | US$1,900 | Pages: 75 | Add to cart | View details

Country Report

Financial Cards and Payments in Taiwan

The rise of outbound travel among Taiwanese consumers has boosted demand for foreign currencies, leading to banks increasing their offering of currency withdrawals at ATMs. In 2014, the increase in cross-strait trade between Taiwan and mainland China...

Jan 2015 | US$1,900 | Pages: 66 | Add to cart | View details

Country Report

Financial Cards and Payments in Spain

Spain’s deepest economic crisis for decades seemed to be coming to a conclusion towards the end of 2014. For the first time in several years, the main macroeconomic indicators were all positive, a very welcome trend which promoted increasing usage of...

Jan 2015 | US$1,900 | Pages: 81 | Add to cart | View details

Country Report

Financial Cards and Payments in Austria

2014 was another strong year for financial cards and payments in Austria as solid growth is expected to have been recorded in transactions volume and value terms in all categories. The number of card payments is set to increase at a faster pace than ...

Jan 2015 | US$1,900 | Pages: 81 | Add to cart | View details

Strategy Briefing

New Emerging Markets: Nigeria, Indonesia, Mexico, The Philippines and Turkey

With their growing economies, rising incomes and young, expanding populations, the five emerging markets of Nigeria, Indonesia, Mexico, Philippines and Turkey offer a wealth of opportunities for marketers facing stagnant demand in developed markets. ...

Jan 2015 | US$1,200 | Pages: 85 | Add to cart | View details

Country Report

Financial Cards and Payments in Indonesia

Growth for financial cards remains prevalent in Indonesia in 2014 with a slightly better growth in value compared to the previous year. Some major turbulence happening in the financial sector during 2013 has slackened the growth such as the rate of ...

Dec 2014 | US$1,900 | Pages: 62 | Add to cart | View details

Country Report

Consumer Lending in Indonesia

After the increase of BI’s rate by 175 basis points to 7.5% in 2013 in an attempt to reduce the rising value of the US dollar against the rupiah, the foreign trade deficit and soaring domestic inflation, consumer lending is expected to slow down ...

Dec 2014 | US$1,900 | Pages: 14 | Add to cart | View details

Country Report

Consumer Lending in Germany

Fears of financial instability and a cocooning trend are defining German consumers’ behaviour when they borrow. Loans are thus primarily taken out for lasting assets, namely home building and home renovation, and are less likely for durables and ...

Dec 2014 | US$1,900 | Pages: 14 | Add to cart | View details

Global Briefing

New Product Development: The Rush To Innovate the Next Finance Star

While investments into other industry start-ups have declined in recent years, venture capitalists continue to invest heavily within the financial services industry. The innovations can be categorised into three overriding themes: reaching the ...

Dec 2014 | US$1,200 | Pages: 42 | Add to cart | View details

Country Report

Consumer Lending in the United Kingdom

The UK economy experienced very positive growth in 2014, the fastest GDP growth seen in Western Europe, with a stronger jobs market and better credit availability supporting the recovery in the housing market. The Government’s Help to Buy scheme ...

Dec 2014 | US$1,900 | Pages: 13 | Add to cart | View details

Country Report

Financial Cards and Payments in Canada

After 2011, the Canadian economy decelerated from the strong rebound after the recession which led to growing caution by consumers due to already high debt-to-income ratio and cooling housing market. This was reflected in the lowest growth in ...

Dec 2014 | US$1,900 | Pages: 73 | Add to cart | View details

Country Report

Financial Cards and Payments in India

Indian society, although primarily cash-based, welcomed non-cash transactions rapidly in 2014. Card-based transactions in the form of debit, credit or pre-paid cards gained acceptance due to increased penetration of ATM machines, point-of-sales (POS)...

Dec 2014 | US$1,900 | Pages: 61 | Add to cart | View details

Country Report

Financial Cards and Payments in the Netherlands

By the end of 2013, the Dutch economy was showing real signs of recovery after a prolonged period of recession. The consumer confidence index also returned to positive ground and expectations are high for further growth in financial cards and ...

Dec 2014 | US$1,900 | Pages: 68 | Add to cart | View details

Country Report

Consumer Lending in South Africa

The South African economy continued to suffer from recession during 2013 and 2014. Structural problems continued to impede economic growth, with rising utility and fuel costs and other inflationary pressures resulting in interest rate hikes. In ...

Nov 2014 | US$1,900 | Pages: 15 | Add to cart | View details
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