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Country Report

Debit Transactions in

Debit Cards in Brazil

Oct 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

Debit cards gaining share over cash transactions mainly driven by lower ticket purchases

The growing number of banked consumers, as well the intensified competition between card acquirers over the review period that increased the penetration of POS machines within Brazilian retail and institutional channels, has contributed to making debit cards an alternative payment method worthy of consideration when making lower ticket purchases. Therefore, debit cards have been growing in Brazil mainly at the expense of cash transactions, which also holds true when it comes to commercial debit cards.

Banks start earning less with debit card transactions after Central Bank’s measure

As of October 2018, Brazil’s Central Bank decided to impose a maximum value to the discount fee charged for debit card transactions. Merchants are charged by the acquirer to pay the discount fee every time an electronic payment is carried out using the latter’s POS machine.

Debit cards to grow as an alternative for payments in apps

Although still very insipient, the use of debit cards for payments in app is expected to show growing relevance over the forecast period. The possibility of using debit cards for digital payments, such as e-commerce transactions or services such as Uber and food delivery, can open an opportunity to include consumers who have little access to digital payments because they do not have a credit card, which is the most commonly used type of financial card accepted in apps.

COMPETITIVE LANDSCAPE

NFC payments to become more widespread driven by large retail banks

Itaú Unibanco SA was the first retail bank to introduce Apple Pay in Brazil as of April 2018, with only a small number of cards being eligible to be used in Apple’s digital wallet. In the second half of 2019, the bank announced that all of its credit cards and debit cards can be used in not only Apple Pay, but also in Samsung Pay and Google Pay.

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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 Debit Transactions industry in Brazil 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 Debit Transactions industry in Brazil, our research will save you time and money while empowering you to make informed, profitable decisions.

The Debit Transactions in Brazil 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 Debit Transactions in Brazil?
What are the major operators and issuers in Brazil?
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 Debit Transactions in Brazil, originate from our database within our Consumer Finance market share and market size database.

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Charge Cards in Brazil - Category analysis

Charge Cards in Brazil - Company Profile

HEADLINES

PROSPECTS

Low familiarity with charge cards and high income target audience limit the penetration of this financial card

COMPETITIVE LANDSCAPE

Charge cards still dominated by American Express and Banco Bradesco

CATEGORY DATA

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

Credit Cards in Brazil - Category analysis

Credit Cards in Brazil - Company Profile

HEADLINES

PROSPECTS

Credit card transactions performance to benefit from improved consumer confidence

Digital innovation plays a major role in transforming Brazilians’ relationship with credit cards

COMPETITIVE LANDSCAPE

Nubank grows stronger sustained by user experience

Large players respond to what was once a trend initiated by fintechs

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2014-2019
Table 38 Credit Cards Transactions 2014-2019
Table 39 Credit Cards in Circulation: % Growth 2014-2019
Table 40 Credit Cards Transactions: % Growth 2014-2019
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2014-2019
Table 42 Commercial Credit Cards Transactions 2014-2019
Table 43 Commercial Credit Cards in Circulation: % Growth 2014-2019
Table 44 Commercial Credit Cards Transactions: % Growth 2014-2019
Table 45 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 46 Personal Credit Cards Transactions 2014-2019
Table 47 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 48 Personal Credit Cards Transactions: % Growth 2014-2019
Table 49 Credit Cards: Number of Cards by Issuer 2014-2018
Table 50 Credit Cards: Number of Cards by Operator 2014-2018
Table 51 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 52 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2014-2018
Table 54 Commercial Credit Cards: Number of Cards by Operator 2014-2018
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2014-2018
Table 57 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 58 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 62 Forecast Credit Cards Transactions 2019-2024
Table 63 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 64 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2019-2024
Table 66 Forecast Commercial Credit Cards Transactions 2019-2024
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2019-2024
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2019-2024
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 70 Forecast Personal Credit Cards Transactions 2019-2024
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in Brazil - Category analysis

Debit Cards in Brazil - Company Profile

HEADLINES

PROSPECTS

Debit cards gaining share over cash transactions mainly driven by lower ticket purchases

Banks start earning less with debit card transactions after Central Bank’s measure

Debit cards to grow as an alternative for payments in apps

COMPETITIVE LANDSCAPE

NFC payments to become more widespread driven by large retail banks

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2014-2019
Table 74 Debit Cards Transactions 2014-2019
Table 75 Debit Cards in Circulation: % Growth 2014-2019
Table 76 Debit Cards Transactions: % Growth 2014-2019
Table 77 Debit Cards: Number of Cards by Issuer 2014-2018
Table 78 Debit Cards: Number of Cards by Operator 2014-2018
Table 79 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 80 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 82 Forecast Debit Cards Transactions 2019-2024
Table 83 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 84 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in Brazil - Category analysis

Pre-Paid Cards in Brazil - Company Profile

HEADLINES

PROSPECTS

Versatility of pre-paid cards gains relevance in a low confidence scenario

Employee benefit cards to perform more strongly depending on the highly expected recovery of the labour market

COMPETITIVE LANDSCAPE

Government-funded programmes maintain CEF having a leading position

Pre-paid card issuers broadening their acceptance and portfolios

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 86 Pre-paid Cards Transactions 2014-2019
Table 87 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 88 Pre-paid Cards Transactions: % Growth 2014-2019
Table 89 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 91 Open Loop Pre-paid Cards Transactions 2014-2019
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 93 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 94 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 95 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 96 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 106 Forecast Pre-paid Cards Transactions 2019-2024
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in Brazil - Category analysis

Store Cards in Brazil - Company Profile

HEADLINES

PROSPECTS

Store cards of large players losing ground to co-branded options

Instalment payments a key feature of store cards in Brazil

COMPETITIVE LANDSCAPE

Digital wallet helps consumers use store cards outside a retailer’s network

Medium-sized retailers partnering with store card companies and making the category more fragmented

CATEGORY DATA

Table 113 Store Cards: Number of Cards in Circulation 2014-2019
Table 114 Store Cards Transactions 2014-2019
Table 115 Store Cards in Circulation: % Growth 2014-2019
Table 116 Store Cards Transactions: % Growth 2014-2019
Table 117 Store Cards: Number of Cards by Issuer 2014-2018
Table 118 Store Cards: Payment Transaction Value by Issuer 2014-2018
Table 119 Forecast Store Cards: Number of Cards in Circulation 2019-2024
Table 120 Forecast Store Cards Transactions 2019-2024
Table 121 Forecast Store Cards in Circulation: % Growth 2019-2024
Table 122 Forecast Store Cards Transactions: % Growth 2019-2024

Financial Cards and Payments in Brazil - Industry Overview

EXECUTIVE SUMMARY

Financial cards transactions to benefit from future improvements in the labour market

Disruptive players presenting themselves as a simple solution to educate financially

Debit cards gaining relevance at the expense of cash and beginning to be used in digital transactions

Digital wallets becoming increasingly more common in Brazil

Poor macroeconomic results delay the economic recovery, impairing more aggressive performance of financial cards

MARKET INDICATORS

Table 123 Number of POS Terminals: Units 2014-2019
Table 124 Number of ATMs: Units 2014-2019
Table 125 Value Lost to Fraud 2014-2019
Table 126 Card Expenditure by Location 2019
Table 127 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 128 Domestic versus Foreign Spend 2019

MARKET DATA

Table 129 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 130 Financial Cards by Category: Number of Accounts 2014-2019
Table 131 Financial Cards Transactions by Category: Value 2014-2019
Table 132 Financial Cards by Category: Number of Transactions 2014-2019
Table 133 Consumer Payments by Category: Value 2014-2019
Table 134 Consumer Payments by Category: Number of Transactions 2014-2019
Table 135 M-Commerce by Category: Value 2014-2019
Table 136 M-Commerce by Category: % Value Growth 2014-2019
Table 137 Financial Cards: Number of Cards by Issuer 2014-2018
Table 138 Financial Cards: Number of Cards by Operator 2014-2018
Table 139 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 140 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 141 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 142 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 143 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 144 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 145 Forecast Consumer Payments by Category: Value 2019-2024
Table 146 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 147 Forecast M-Commerce by Category: Value 2019-2024
Table 148 Forecast M-Commerce by Category: % Value Growth 2019-2024

Megatrends

Country Report

Debit Cards in Brazil

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Debit cards gaining share over cash transactions mainly driven by lower ticket purchases

Banks start earning less with debit card transactions after Central Bank’s measure

Debit cards to grow as an alternative for payments in apps

COMPETITIVE LANDSCAPE

NFC payments to become more widespread driven by large retail banks

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 Brazil - Category analysis

Charge Cards in Brazil - Company Profile

HEADLINES

PROSPECTS

Low familiarity with charge cards and high income target audience limit the penetration of this financial card

COMPETITIVE LANDSCAPE

Charge cards still dominated by American Express and Banco Bradesco

CATEGORY DATA

Credit Cards in Brazil - Category analysis

Credit Cards in Brazil - Company Profile

HEADLINES

PROSPECTS

Credit card transactions performance to benefit from improved consumer confidence

Digital innovation plays a major role in transforming Brazilians’ relationship with credit cards

COMPETITIVE LANDSCAPE

Nubank grows stronger sustained by user experience

Large players respond to what was once a trend initiated by fintechs

CATEGORY DATA

Debit Cards in Brazil - Category analysis

Debit Cards in Brazil - Company Profile

HEADLINES

PROSPECTS

Debit cards gaining share over cash transactions mainly driven by lower ticket purchases

Banks start earning less with debit card transactions after Central Bank’s measure

Debit cards to grow as an alternative for payments in apps

COMPETITIVE LANDSCAPE

NFC payments to become more widespread driven by large retail banks

CATEGORY DATA

Pre-Paid Cards in Brazil - Category analysis

Pre-Paid Cards in Brazil - Company Profile

HEADLINES

PROSPECTS

Versatility of pre-paid cards gains relevance in a low confidence scenario

Employee benefit cards to perform more strongly depending on the highly expected recovery of the labour market

COMPETITIVE LANDSCAPE

Government-funded programmes maintain CEF having a leading position

Pre-paid card issuers broadening their acceptance and portfolios

CATEGORY DATA

Store Cards in Brazil - Category analysis

Store Cards in Brazil - Company Profile

HEADLINES

PROSPECTS

Store cards of large players losing ground to co-branded options

Instalment payments a key feature of store cards in Brazil

COMPETITIVE LANDSCAPE

Digital wallet helps consumers use store cards outside a retailer’s network

Medium-sized retailers partnering with store card companies and making the category more fragmented

CATEGORY DATA

Financial Cards and Payments in Brazil - Industry Overview

EXECUTIVE SUMMARY

Financial cards transactions to benefit from future improvements in the labour market

Disruptive players presenting themselves as a simple solution to educate financially

Debit cards gaining relevance at the expense of cash and beginning to be used in digital transactions

Digital wallets becoming increasingly more common in Brazil

Poor macroeconomic results delay the economic recovery, impairing more aggressive performance of financial cards

MARKET INDICATORS

MARKET DATA

SOURCES

Why buy this report?

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