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Country Report

Credit Card Transactions in

Credit Cards in Japan

Nov 2019

US$990

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Executive Summary

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If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

PROSPECTS

Loyalty programmes support popularity of credit cards

While Japan remains a strongly cash-focused society, credit cards are the most popular financial cards in the country in terms of transaction value because of their appealing loyalty programmes, which include cash-back and points systems, and relatively broad acceptance. As Japanese consumers tend to prefer single payments rather than paying in instalments, attractive loyalty programmes act as a strong incentive for consumers to use credit cards.

Growing range of usage opportunities

Credit cards is benefiting from the expansion of e-commerce and mobile payment options such as Apple Pay and Google Pay, as well as the increasing acceptance of paying utility bills by credit card. Furthermore, the use of credit cards for internet retailing and mobile transactions is having a broader influence, making consumers more comfortable with using credit cards across a range of payment occasions.

Government working to encourage credit card payments in smaller retailers

The Japanese Government’s plans to roll out a nine-month points programme designed to encourage small retailers to accept digital payments as part of its Cashless Vision strategy should provide a boost to credit cards during the forecast period. Starting in October 2019, the plan involves giving shoppers paying by credit card and other non-cash methods points worth 5% of the purchase value at small and medium-sized outlets.

COMPETITIVE LANDSCAPE

Growing opportunities for contactless payment

Merchants in Japan have begun to introduce POS devices capable of handling contactless payments, something that remained uncommon for a long time in the market. By the end of the review period, major retailers, such as Lawson, one of Japan’s largest retail chains, and consumer foodservice operators, such as McDonald’s, had introduced contactless payment technologies in their outlets.

Strong loyalty programmes are a key competitive advantage

Strong loyalty programmes, such as offering discounts and cash/points back, are proving to be an important competitive advantage in credit cards. Rakuten, for example, is benefiting from its Rakuten Super Point Up Program, which allows consumers to earn extra Rakuten points which they can use for shopping at certain outlets and e-commerce websites.

Growing focus on collaboration

The intensification of competition in credit cards is encouraging the development of collaborations between issuers and other players. One interesting example is the Trip.

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Overview

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Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Credit Card Transactions industry in Japan with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Credit Card Transactions industry in Japan, our research will save you time and money while empowering you to make informed, profitable decisions.

The Credit Card Transactions in Japan market research report includes:

Analysis of key supply-side and demand trends
Detailed segmentation of international and local products
Historic volumes and values, company and brand market shares
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

What is the market size of Credit Card Transactions in Japan?
What are the major operators and issuers in Japan?
What is the current state and expected evolution of consumer payment preference?
What payment instrument offers the highest growth potential?
What strategies and positioning have consumer finance companies utilized to win in the market?

Why buy this report?

Gain competitive intelligence about market leaders
Track key industry trends, opportunities and threats
Inform your marketing, brand, strategy and market development, sales and supply functions

Euromonitor’s industry reports, including Credit Card Transactions in Japan, originate from our database within our Consumer Finance market share and market size database

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Charge Cards in Japan - Category analysis

Charge Cards in Japan - Company Profile

PROSPECTS

Credit Cards in Japan - Category analysis

Credit Cards in Japan - Company Profile

HEADLINES

PROSPECTS

Loyalty programmes support popularity of credit cards

Growing range of usage opportunities

Government working to encourage credit card payments in smaller retailers

COMPETITIVE LANDSCAPE

Growing opportunities for contactless payment

Strong loyalty programmes are a key competitive advantage

Growing focus on collaboration

CATEGORY DATA

Table 1 Credit Cards: Number of Cards in Circulation 2014-2019
Table 2 Credit Cards Transactions 2014-2019
Table 3 Credit Cards in Circulation: % Growth 2014-2019
Table 4 Credit Cards Transactions: % Growth 2014-2019
Table 5 Commercial Credit Cards: Number of Cards in Circulation 2014-2019
Table 6 Commercial Credit Cards Transactions 2014-2019
Table 7 Commercial Credit Cards in Circulation: % Growth 2014-2019
Table 8 Commercial Credit Cards Transactions: % Growth 2014-2019
Table 9 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 10 Personal Credit Cards Transactions 2014-2019
Table 11 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 12 Personal Credit Cards Transactions: % Growth 2014-2019
Table 13 Credit Cards: Number of Cards by Issuer 2014-2018
Table 14 Credit Cards: Number of Cards by Operator 2014-2018
Table 15 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 16 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 17 Commercial Credit Cards: Number of Cards by Issuer 2014-2018
Table 18 Commercial Credit Cards: Number of Cards by Operator 2014-2018
Table 19 Commercial Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 20 Commercial Credit Cards Payment Transaction Value by Operator 2014-2018
Table 21 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 22 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 23 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 24 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 25 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 26 Forecast Credit Cards Transactions 2019-2024
Table 27 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 28 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 29 Forecast Commercial Credit Cards: Number of Cards in Circulation 2019-2024
Table 30 Forecast Commercial Credit Cards Transactions 2019-2024
Table 31 Forecast Commercial Credit Cards in Circulation: % Growth 2019-2024
Table 32 Forecast Commercial Credit Cards Transactions: % Growth 2019-2024
Table 33 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 34 Forecast Personal Credit Cards Transactions 2019-2024
Table 35 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 36 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in Japan - Category analysis

Debit Cards in Japan - Company Profile

HEADLINES

PROSPECTS

Limited acceptance an obstacle to development

Diversification of offer erodes J-Debit’s share

Cashless Vision should provide a boost for debit cards

COMPETITIVE LANDSCAPE

J-Debit working to reinforce its position

Visa promoting contactless debit card

JCB focuses on mobile payment potential

CATEGORY DATA

Table 37 Debit Cards: Number of Cards in Circulation 2014-2019
Table 38 Debit Cards Transactions 2014-2019
Table 39 Debit Cards in Circulation: % Growth 2014-2019
Table 40 Debit Cards Transactions: % Growth 2014-2019
Table 41 Debit Cards: Number of Cards by Issuer 2014-2018
Table 42 Debit Cards: Number of Cards by Operator 2014-2018
Table 43 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 44 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 45 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 46 Forecast Debit Cards Transactions 2019-2024
Table 47 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 48 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in Japan - Category analysis

Pre-Paid Cards in Japan - Company Profile

HEADLINES

PROSPECTS

Pre-paid cards have relatively broad target base

Consumers appreciate convenience

Integration across transportation systems boosts closed loop pre-paid cards

COMPETITIVE LANDSCAPE

Diversification of acceptance boosts transportation cards

Suica working on mobile capability

Rakuten brings payment operations under one subsidiary

CATEGORY DATA

Table 49 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 50 Pre-paid Cards Transactions 2014-2019
Table 51 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 52 Pre-paid Cards Transactions: % Growth 2014-2019
Table 53 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 54 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 55 Open Loop Pre-paid Cards Transactions 2014-2019
Table 56 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 57 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 58 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 59 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 60 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 61 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 62 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 63 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 64 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 65 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 66 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 67 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 68 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 69 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 70 Forecast Pre-paid Cards Transactions 2019-2024
Table 71 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 72 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 73 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 74 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 75 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 76 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in Japan - Category analysis

Store Cards in Japan - Company Profile

HEADLINES

PROSPECTS

Store cards sees contraction in terms of card numbers and transaction value

Issuers shift to co-branded credit cards with attractive loyalty programmes

Persistent presence despite ongoing decline

COMPETITIVE LANDSCAPE

No new store cards being issued

Department stores’ travails negatively impact store cards

Takashimaya’s lead founded on considerable cardholder base

CATEGORY DATA

Table 77 Store Cards: Number of Cards in Circulation 2014-2019
Table 78 Store Cards Transactions 2014-2019
Table 79 Store Cards in Circulation: % Growth 2014-2019
Table 80 Store Cards Transactions: % Growth 2014-2019
Table 81 Store Cards: Number of Cards by Issuer 2014-2018
Table 82 Store Cards: Payment Transaction Value by Issuer 2014-2018
Table 83 Forecast Store Cards: Number of Cards in Circulation 2019-2024
Table 84 Forecast Store Cards Transactions 2019-2024
Table 85 Forecast Store Cards in Circulation: % Growth 2019-2024
Table 86 Forecast Store Cards Transactions: % Growth 2019-2024

Financial Cards and Payments in Japan - Industry Overview

EXECUTIVE SUMMARY

Period of transformation

Expanding cashless payment to small merchants

Security concerns remain an important issue

Loyalty programmes and reward schemes prove an important competitive tool

Numerous growth drivers set to maintain expansion despite obstacles

MARKET INDICATORS

Table 87 Number of POS Terminals: Units 2014-2019
Table 88 Number of ATMs: Units 2014-2019
Table 89 Value Lost to Fraud 2014-2019
Table 90 Card Expenditure by Location 2019
Table 91 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 92 Domestic versus Foreign Spend 2019

MARKET DATA

Table 93 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 94 Financial Cards by Category: Number of Accounts 2014-2019
Table 95 Financial Cards Transactions by Category: Value 2014-2019
Table 96 Financial Cards by Category: Number of Transactions 2014-2019
Table 97 Consumer Payments by Category: Value 2014-2019
Table 98 Consumer Payments by Category: Number of Transactions 2014-2019
Table 99 M-Commerce by Category: Value 2014-2019
Table 100 M-Commerce by Category: % Value Growth 2014-2019
Table 101 Financial Cards: Number of Cards by Issuer 2014-2018
Table 102 Financial Cards: Number of Cards by Operator 2014-2018
Table 103 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 104 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 105 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 106 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 107 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 108 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 109 Forecast Consumer Payments by Category: Value 2019-2024
Table 110 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 111 Forecast M-Commerce by Category: Value 2019-2024
Table 112 Forecast M-Commerce by Category: % Value Growth 2019-2024

Megatrends

Country Report

Credit Cards in Japan

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Loyalty programmes support popularity of credit cards

Growing range of usage opportunities

Government working to encourage credit card payments in smaller retailers

COMPETITIVE LANDSCAPE

Growing opportunities for contactless payment

Strong loyalty programmes are a key competitive advantage

Growing focus on collaboration

Overview

Why buy this report?

SAMPLES

Delivery Method

Overview

Why buy this report?

Want to find out more about this report?

Table of Contents

Charge Cards in Japan - Category analysis

Charge Cards in Japan - Company Profile

PROSPECTS

Credit Cards in Japan - Category analysis

Credit Cards in Japan - Company Profile

HEADLINES

PROSPECTS

Loyalty programmes support popularity of credit cards

Growing range of usage opportunities

Government working to encourage credit card payments in smaller retailers

COMPETITIVE LANDSCAPE

Growing opportunities for contactless payment

Strong loyalty programmes are a key competitive advantage

Growing focus on collaboration

CATEGORY DATA

Debit Cards in Japan - Category analysis

Debit Cards in Japan - Company Profile

HEADLINES

PROSPECTS

Limited acceptance an obstacle to development

Diversification of offer erodes J-Debit’s share

Cashless Vision should provide a boost for debit cards

COMPETITIVE LANDSCAPE

J-Debit working to reinforce its position

Visa promoting contactless debit card

JCB focuses on mobile payment potential

CATEGORY DATA

Pre-Paid Cards in Japan - Category analysis

Pre-Paid Cards in Japan - Company Profile

HEADLINES

PROSPECTS

Pre-paid cards have relatively broad target base

Consumers appreciate convenience

Integration across transportation systems boosts closed loop pre-paid cards

COMPETITIVE LANDSCAPE

Diversification of acceptance boosts transportation cards

Suica working on mobile capability

Rakuten brings payment operations under one subsidiary

CATEGORY DATA

Store Cards in Japan - Category analysis

Store Cards in Japan - Company Profile

HEADLINES

PROSPECTS

Store cards sees contraction in terms of card numbers and transaction value

Issuers shift to co-branded credit cards with attractive loyalty programmes

Persistent presence despite ongoing decline

COMPETITIVE LANDSCAPE

No new store cards being issued

Department stores’ travails negatively impact store cards

Takashimaya’s lead founded on considerable cardholder base

CATEGORY DATA

Financial Cards and Payments in Japan - Industry Overview

EXECUTIVE SUMMARY

Period of transformation

Expanding cashless payment to small merchants

Security concerns remain an important issue

Loyalty programmes and reward schemes prove an important competitive tool

Numerous growth drivers set to maintain expansion despite obstacles