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Country Report

Charge Card Transactions in

Charge Cards in Romania

19 pages, Nov 2018

US$990

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Executive Summary

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PROSPECTS

Charge cards continues to have a limited presence in financial cards

Charge cards was the smallest category of financial cards with visible sales in Romania over the review period, recording a marginal share for both numbers of cards and transaction value. Charge cards largely consists of commercial cards, which continued to grow in value because of corporate needs for such products.

Personal cards presence is marginal

Although limited in numbers, commercial charge cards have found more opportunities to develop in a not very popular category. Personal charge cards remained negligible, with both a limited offer from issuers and limited interest from potential consumers up to this point.

COMPETITIVE LANDSCAPE

Commercial charge cards ask for a specific approach and see reduced competition amongst issuers

Charge cards in Romania almost totally consist of commercial charge cards; personal charge cards have a negligible presence. As a result, the leading players use a business-to-business approach to grow and sustain their positions, using their sales force to engage directly with clients and promote the products, without deploying significant communication campaigns.

Strong competition from alternative products and exit of American Express

For corporate clients the benefits charge cards offered have been unchanged due to limited innovation and novelties. However, due to the strong competition generated by other competing products such as credit cards, and the limited interest of issuers in promoting charge cards at other products’ expense, charge cards have kept their marginal share.

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Overview

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Charge Cards in Romania - Category analysis

Charge Cards in Romania - Company Profile

HEADLINES

PROSPECTS

Charge cards continues to have a limited presence in financial cards

Personal cards presence is marginal

COMPETITIVE LANDSCAPE

Commercial charge cards ask for a specific approach and see reduced competition amongst issuers

Strong competition from alternative products and exit of American Express

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2013-2018
Table 2 Charge Cards Transactions 2013-2018
Table 3 Charge Cards in Circulation: % Growth 2013-2018
Table 4 Charge Cards Transactions: % Growth 2013-2018
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2013-2018
Table 6 Commercial Charge Cards Transactions 2013-2018
Table 7 Commercial Charge Cards in Circulation: % Growth 2013-2018
Table 8 Commercial Charge Cards Transactions: % Growth 2013-2018
Table 9 Charge Cards: Number of Cards by Issuer 2013-2017
Table 10 Charge Cards: Number of Cards by Operator 2013-2017
Table 11 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 12 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 13 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 14 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 15 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 16 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 17 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 18 Forecast Charge Cards Transactions 2018-2023
Table 19 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 20 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 21 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 22 Forecast Commercial Charge Cards Transactions 2018-2023
Table 23 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 24 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023

Credit Cards in Romania - Category analysis

Credit Cards in Romania - Company Profile

HEADLINES

PROSPECTS

Rising consumption is also supported through credit card spending

Number of credit cards to break the three million ceiling

Low levels of financial education hinder the potential benefits provided by credit cards

COMPETITIVE LANDSCAPE

Credit cards offer stronger competition to durables and other personal lending

Cetelem IFN becomes a banking subsidiary of Groupe BNP Paribas

Mastercard leads operators in credit cards, whilst American Express exits the market

CATEGORY DATA

Table 25 Credit Cards: Number of Cards in Circulation 2013-2018
Table 26 Credit Cards Transactions 2013-2018
Table 27 Credit Cards in Circulation: % Growth 2013-2018
Table 28 Credit Cards Transactions: % Growth 2013-2018
Table 29 Commercial Credit Cards: Number of Cards in Circulation 2013-2018
Table 30 Commercial Credit Cards Transactions 2013-2018
Table 31 Commercial Credit Cards in Circulation: % Growth 2013-2018
Table 32 Commercial Credit Cards Transactions: % Growth 2013-2018
Table 33 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 34 Personal Credit Cards Transactions 2013-2018
Table 35 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 36 Personal Credit Cards Transactions: % Growth 2013-2018
Table 37 Credit Cards: Number of Cards by Issuer 2013-2017
Table 38 Credit Cards: Number of Cards by Operator 2013-2017
Table 39 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 40 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 41 Commercial Credit Cards: Number of Cards by Issuer 2013-2017
Table 42 Commercial Credit Cards: Number of Cards by Operator 2013-2017
Table 43 Commercial Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 44 Commercial Credit Cards Payment Transaction Value by Operator 2013-2017
Table 45 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 46 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 47 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 48 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 49 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 50 Forecast Credit Cards Transactions 2018-2023
Table 51 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 52 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 53 Forecast Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 54 Forecast Commercial Credit Cards Transactions 2018-2023
Table 55 Forecast Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 56 Forecast Commercial Credit Cards Transactions: % Growth 2018-2023
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 58 Forecast Personal Credit Cards Transactions 2018-2023
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2018-2023
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2018-2023

Debit Cards in Romania - Category analysis

Debit Cards in Romania - Company Profile

HEADLINES

PROSPECTS

Accessible and affordable debit cards dominate financial cards

Debit cards the main financial card product to benefit from the dynamic economy

Contactless revolution continues

COMPETITIVE LANDSCAPE

Banca Transilvania consolidates its pole position

Minimum differentiation asks for added value provided by issuers and operators

New consumer groups expected to bring a wave of competition

CATEGORY DATA

Table 61 Debit Cards: Number of Cards in Circulation 2013-2018
Table 62 Debit Cards Transactions 2013-2018
Table 63 Debit Cards in Circulation: % Growth 2013-2018
Table 64 Debit Cards Transactions: % Growth 2013-2018
Table 65 Debit Cards: Number of Cards by Issuer 2013-2017
Table 66 Debit Cards: Number of Cards by Operator 2013-2017
Table 67 Debit Cards Payment Transaction Value by Issuer 2013-2017
Table 68 Debit Cards Payment Transaction Value by Operator 2013-2017
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2018-2023
Table 70 Forecast Debit Cards Transactions 2018-2023
Table 71 Forecast Debit Cards in Circulation: % Growth 2018-2023
Table 72 Forecast Debit Cards Transactions: % Growth 2018-2023

Pre-Paid Cards in Romania - Category analysis

Pre-Paid Cards in Romania - Company Profile

HEADLINES

PROSPECTS

Transition to electronic meal vouchers shapes open-loop prepaid and overall prepaid cards

New products launch to cover previously underdeveloped or uncovered segments

Transportation cards increase in availability and popularity

COMPETITIVE LANDSCAPE

Mastercard dominates digitalised meal vouchers

Banca Transilvania is the latest to include an electronic meal voucher in its portfolio

Revolut enters prepaid cards in Romania

CATEGORY DATA

Table 73 Pre-paid Cards: Number of Cards in Circulation 2013-2018
Table 74 Pre-paid Cards Transactions 2013-2018
Table 75 Pre-paid Cards in Circulation: % Growth 2013-2018
Table 76 Pre-paid Cards Transactions: % Growth 2013-2018
Table 77 Closed Loop Pre-paid Cards Transactions 2013-2018
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 79 Open Loop Pre-paid Cards Transactions 2013-2018
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 81 Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 82 Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 83 Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 84 Pre-paid Cards Transaction Value by Operator 2013-2017
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 94 Forecast Pre-paid Cards Transactions 2018-2023
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2018-2023
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2018-2023
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2018-2023
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2018-2023
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2018-2023

Store Cards in Romania - Category analysis

Store Cards in Romania - Company Profile

PROSPECTS

Financial Cards and Payments in Romania - Industry Overview

EXECUTIVE SUMMARY

Financial cards in Romania breaks records year after year

The acceptance network remains limited, reducing the industry’s potential

Technology supports future developments in the industry

Through the success of electronic meal vouchers, Mastercard consolidates its lead in financial cards

There is only one direction expected for financial cards’ future path

MARKET INDICATORS

Table 101 Number of POS Terminals: Units 2013-2018
Table 102 Number of ATMs: Units 2013-2018
Table 103 Value Lost to Fraud 2013-2018
Table 104 Card Expenditure by Location 2017
Table 105 Financial Cards in Circulation by Type: % Number of Cards 2013-2018
Table 106 Domestic versus Foreign Spend 2018

MARKET DATA

Table 107 Financial Cards by Category: Number of Cards in Circulation 2013-2018
Table 108 Financial Cards by Category: Number of Accounts 2013-2018
Table 109 Financial Cards Transactions by Category: Value 2013-2018
Table 110 Financial Cards by Category: Number of Transactions 2013-2018
Table 111 Consumer Payments by Category: Value 2013-2018
Table 112 Consumer Payments by Category: Number of Transactions 2013-2018
Table 113 M-Commerce by Category: Value 2013-2018
Table 114 M-Commerce by Category: % Value Growth 2013-2018
Table 115 Financial Cards: Number of Cards by Issuer 2013-2017
Table 116 Financial Cards: Number of Cards by Operator 2013-2017
Table 117 Financial Cards: Card Payment Transactions Value by Operator 2013-2017
Table 118 Financial Cards: Card Payment Transactions Value by Issuer 2013-2017
Table 119 Forecast Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 120 Forecast Financial Cards by Category: Number of Accounts 2018-2023
Table 121 Forecast Financial Cards Transactions by Category: Value 2018-2023
Table 122 Forecast Financial Cards by Category: Number of Transactions 2018-2023
Table 123 Forecast Consumer Payments by Category: Value 2018-2023
Table 124 Forecast Consumer Payments by Category: Number of Transactions 2018-2023
Table 125 Forecast M-Commerce by Category: Value 2018-2023
Table 126 Forecast M-Commerce by Category: % Value Growth 2018-2023

Megatrends

Country Report

Charge Cards in Romania

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Charge cards continues to have a limited presence in financial cards

Personal cards presence is marginal

COMPETITIVE LANDSCAPE

Commercial charge cards ask for a specific approach and see reduced competition amongst issuers

Strong competition from alternative products and exit of American Express

Overview

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Table of Contents

Charge Cards in Romania - Category analysis

Charge Cards in Romania - Company Profile

HEADLINES

PROSPECTS

Charge cards continues to have a limited presence in financial cards

Personal cards presence is marginal

COMPETITIVE LANDSCAPE

Commercial charge cards ask for a specific approach and see reduced competition amongst issuers

Strong competition from alternative products and exit of American Express

CATEGORY DATA

Credit Cards in Romania - Category analysis

Credit Cards in Romania - Company Profile

HEADLINES

PROSPECTS

Rising consumption is also supported through credit card spending

Number of credit cards to break the three million ceiling

Low levels of financial education hinder the potential benefits provided by credit cards

COMPETITIVE LANDSCAPE

Credit cards offer stronger competition to durables and other personal lending

Cetelem IFN becomes a banking subsidiary of Groupe BNP Paribas

Mastercard leads operators in credit cards, whilst American Express exits the market

CATEGORY DATA

Debit Cards in Romania - Category analysis

Debit Cards in Romania - Company Profile

HEADLINES

PROSPECTS

Accessible and affordable debit cards dominate financial cards

Debit cards the main financial card product to benefit from the dynamic economy

Contactless revolution continues

COMPETITIVE LANDSCAPE

Banca Transilvania consolidates its pole position

Minimum differentiation asks for added value provided by issuers and operators

New consumer groups expected to bring a wave of competition

CATEGORY DATA

Pre-Paid Cards in Romania - Category analysis

Pre-Paid Cards in Romania - Company Profile

HEADLINES

PROSPECTS

Transition to electronic meal vouchers shapes open-loop prepaid and overall prepaid cards

New products launch to cover previously underdeveloped or uncovered segments

Transportation cards increase in availability and popularity

COMPETITIVE LANDSCAPE

Mastercard dominates digitalised meal vouchers

Banca Transilvania is the latest to include an electronic meal voucher in its portfolio

Revolut enters prepaid cards in Romania

CATEGORY DATA

Store Cards in Romania - Category analysis

Store Cards in Romania - Company Profile

PROSPECTS

Financial Cards and Payments in Romania - Industry Overview

EXECUTIVE SUMMARY

Financial cards in Romania breaks records year after year

The acceptance network remains limited, reducing the industry’s potential

Technology supports future developments in the industry

Through the success of electronic meal vouchers, Mastercard consolidates its lead in financial cards

There is only one direction expected for financial cards’ future path

MARKET INDICATORS

MARKET DATA

DEFINITIONS

SOURCES

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