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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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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

Country Report

Consumer Lending in India

The Indian economy was not performing well at the beginning of 2014 but it gained momentum after the national elections and subsequent change of government in May of the same year. The economy and consumer lending saw an upward movement due to the ...

Nov 2014 | US$1,900 | Pages: 11 | Add to cart | View details

Country Report

Consumer Lending in Chile

Continuing the recent trend, consumer lending saw double-digit growth in 2014. However, consumer debt is also rising relative to disposable income. Lower growth rates of disposable income due to the deceleration of the economy and an increase in ...

Nov 2014 | US$1,900 | Pages: 12 | Add to cart | View details

Global Briefing

Converting Paper Payments

Alternatives to paper payment have the potential to positively impact all actors involved in the payment process, from governments to consumers. Regulation and policy aimed at realising the efficiency gains and cost reductions has developed at ...

Nov 2014 | US$1,200 | Pages: 49 | Add to cart | View details

Country Report

Consumer Lending in Canada

Lukewarm economic recovery, weakening housing market and tighter mortgage lending rules restricted the growth of consumer lending in 2014. Although consumer confidence improved gradually from the low point in late 2011 and low interest rate persisted...

Nov 2014 | US$1,900 | Pages: 17 | Add to cart | View details

Country Report

Financial Cards and Payments in Brazil

2014 was marked by the worsening macroeconomic conditions in Brazil. Together with a slowdown in GDP growth, high inflation and household indebtedness levels resulted in a downturn in consumer confidence. Retail sales were also impacted by weak ...

Nov 2014 | US$1,900 | Pages: 69 | Add to cart | View details

Country Report

Consumer Lending in the United Arab Emirates

2014 saw strong recovery from the economic recession in terms of GDP growth, as well as foreign direct investment. This in turn pushed consumer confidence higher, resulting in growth in consumer lending. Banks which were reluctant to lend prior to ...

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

Country Report

Financial Cards and Payments in the United Arab Emirates

Following the economic downturn in 2008, the financial sector in the United Arab Emirates was the first to take a hit, and there was a huge exodus of expatriates and a collapse in consumer confidence. 2014 saw a complete recovery of the economy, with...

Nov 2014 | US$1,900 | Pages: 64 | Add to cart | View details

Country Report

Financial Cards and Payments in Venezuela

More than six years after the monetary conversion that created the “Bolivar Fuerte” (Strong Bolivar, in English) in 2008 and with 400% inflation from 2008 until 2013, the highest denomination bank note in the Venezuelan market is still Bs100. ...

Nov 2014 | US$1,900 | Pages: 74 | Add to cart | View details

Country Report

Consumer Lending in France

The confidence of average French households in their financial situation continues to deteriorate. This is being caused by stagnant GDP growth and high unemployment rates, which reached peaks during 2014. French consumers tend to prefer to save money...

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

Country Report

Consumer Lending in Italy

The negative economic environment in Italy and the longstanding economic crisis in the country have continued to have a negative effect on the performance of consumer lending in Italy. In fact, towards the end of the review period, declines were ...

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

Country Report

Financial Cards and Payments in Egypt

Egypt has recently undergone a period of political and economic instability and growth in financial cards and payments has been affected by lower levels of consumer confidence, although growth is expected to remain positive during 2014. In fact, ...

Nov 2014 | US$1,900 | Pages: 44 | Add to cart | View details

Country Report

Financial Cards and Payments in Italy

The economic environment remained negative in Italy at the end of the review period, which continue to place limits on disposable income levels. In addition, the prolonged economic crisis has influenced the behaviour of Italian consumers, resulting ...

Nov 2014 | US$1,900 | Pages: 81 | Add to cart | View details

Country Report

Financial Cards and Payments in France

Growth in financial cards and payments remained positive in 2014, although the number of transactions is expected to have increased at a faster rate than value growth. Consumers are increasingly using financial cards instead of cash, a trend which is...

Nov 2014 | US$1,900 | Pages: 69 | Add to cart | View details

Country Report

Consumer Lending in Venezuela

The Venezuelan government determines the share of total credits that any bank must lend to the agricultural, housing, manufacturing and tourism industries. In addition, the government also mandates a minimum amount that banks must lend to ...

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