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Country Report

Debit Transactions in

Debit Cards in the Czech Republic

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

Contactless debit cards and income growth stimulate spending

As by far the dominant financial cards category in the Czech Republic, debit cards absorbed a high share of the growth in consumer spending resulting from strong income growth, low unemployment and rising consumer confidence over the review period. Contactless debit cards is expected to reach nearly a 100% share of all debit cards in the Czech Republic by the end of 2019.

Launch of Apple Pay in February 2019 boosts the opportunities for growth

Mobile contactless payments continue to rise due to the increasing popularity and availability of smartphone apps enabling mobile payments. With the introduction of Android Pay in late 2017 (rebranded Google Pay in 2018), the percentage of Czech consumers using mobile payments rapidly increased.

Average spend per card continues growing, with a rising share of online payments

Debit cards continued to see strong growth in both volume and value transactions in 2019. Much lower growth was seen in the number of cards in circulation, indicating that growth was due to greater use of existing cards.

COMPETITIVE LANDSCAPE

Mastercard remains the leading operator of debit cards, ahead of Visa

Mastercard remained the leading operator in personal and commercial debit cards in the Czech Republic in 2018, in terms of both cards in circulation and value transactions. Towards the end of the review period, the company successfully rolled out innovations, including mobile contactless payments through the Masterpass application.

Ceska Sporitelna remains the leading issuer by improving services

Amongst debit card issuers, Ceska Sporitelna remained the leader in terms of value sales and cards in circulation in 2018, in both commercial and personal debit cards. Over 2014-2017, it witnessed a decline in debit cards in circulation, as it lost clients to more innovative banks in the market, such as Moneta and Air Bank.

Mobile banking will affect debit cards over the forecast period

The deciding factor for banks to retain customers will be their ability to offer innovative mobile banking and payment solutions. The competitiveness of younger banks will place increasing pressure on traditional banks such as Ceska Sporitelna and Ceskoslovenska Obchodni Banka.

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Overview

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.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Debit Transactions industry in Czech Republic 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 Czech Republic, our research will save you time and money while empowering you to make informed, profitable decisions.

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

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Charge Cards in the Czech Republic - Category analysis

Charge Cards in the Czech Republic - Company Profile

HEADLINES

PROSPECTS

Charge cards dominated by commercial cards but remains a niche

Growth will be limited by changes in card conditions and aversion to card lending

Growth of personal charge cards unlikely as American Express has no partner

COMPETITIVE LANDSCAPE

CCS Ceska Spolecnost Pro Platebni Karty offers various benefits

Saturation leads to increasing competition for commercial clients

American Express has a limited presence as it has no partner in the country

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 Charge Cards: Number of Cards by Issuer 2014-2018
Table 10 Charge Cards: Number of Cards by Operator 2014-2018
Table 11 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 12 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 13 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 14 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 15 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 16 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 17 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 18 Forecast Charge Cards Transactions 2019-2024
Table 19 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 20 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 21 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 22 Forecast Commercial Charge Cards Transactions 2019-2024
Table 23 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 24 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024

Credit Cards in the Czech Republic - Category analysis

Credit Cards in the Czech Republic - Company Profile

HEADLINES

PROSPECTS

Decline in card numbers and value growth indicate higher spending per card

Cardholders become more responsible, making the most of interest-free periods

Debt aversion set to limit growth, but there remain opportunities

COMPETITIVE LANDSCAPE

Home Credit remains the leading issuer, providing the widest variety of credit cards

Few co-branded cards and no recent new launches

CATEGORY DATA

Table 25 Credit Cards: Number of Cards in Circulation 2014-2019
Table 26 Credit Cards Transactions 2014-2019
Table 27 Credit Cards in Circulation: % Growth 2014-2019
Table 28 Credit Cards Transactions: % Growth 2014-2019
Table 29 Commercial Credit Cards: Number of Cards in Circulation 2014-2019
Table 30 Commercial Credit Cards Transactions 2014-2019
Table 31 Commercial Credit Cards in Circulation: % Growth 2014-2019
Table 32 Commercial Credit Cards Transactions: % Growth 2014-2019
Table 33 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 34 Personal Credit Cards Transactions 2014-2019
Table 35 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 36 Personal Credit Cards Transactions: % Growth 2014-2019
Table 37 Credit Cards: Number of Cards by Issuer 2014-2018
Table 38 Credit Cards: Number of Cards by Operator 2014-2018
Table 39 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 40 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 41 Commercial Credit Cards: Number of Cards by Issuer 2014-2018
Table 42 Commercial Credit Cards: Number of Cards by Operator 2014-2018
Table 43 Commercial Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 44 Commercial Credit Cards Payment Transaction Value by Operator 2014-2018
Table 45 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 46 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 47 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 48 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 49 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 50 Forecast Credit Cards Transactions 2019-2024
Table 51 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 52 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 53 Forecast Commercial Credit Cards: Number of Cards in Circulation 2019-2024
Table 54 Forecast Commercial Credit Cards Transactions 2019-2024
Table 55 Forecast Commercial Credit Cards in Circulation: % Growth 2019-2024
Table 56 Forecast Commercial Credit Cards Transactions: % Growth 2019-2024
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 58 Forecast Personal Credit Cards Transactions 2019-2024
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in the Czech Republic - Category analysis

Debit Cards in the Czech Republic - Company Profile

HEADLINES

PROSPECTS

Contactless debit cards and income growth stimulate spending

Launch of Apple Pay in February 2019 boosts the opportunities for growth

Average spend per card continues growing, with a rising share of online payments

COMPETITIVE LANDSCAPE

Mastercard remains the leading operator of debit cards, ahead of Visa

Ceska Sporitelna remains the leading issuer by improving services

Mobile banking will affect debit cards over the forecast period

CATEGORY DATA

Table 61 Debit Cards: Number of Cards in Circulation 2014-2019
Table 62 Debit Cards Transactions 2014-2019
Table 63 Debit Cards in Circulation: % Growth 2014-2019
Table 64 Debit Cards Transactions: % Growth 2014-2019
Table 65 Debit Cards: Number of Cards by Issuer 2014-2018
Table 66 Debit Cards: Number of Cards by Operator 2014-2018
Table 67 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 68 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 70 Forecast Debit Cards Transactions 2019-2024
Table 71 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 72 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in the Czech Republic - Category analysis

Pre-Paid Cards in the Czech Republic - Company Profile

HEADLINES

PROSPECTS

Pre-paid cards most dynamic within payment cards thanks to meal cards

Digitalisation of meal cards boosts open loop pre-paid cards

Debit and credit card acceptance on public transport hampers growth

COMPETITIVE LANDSCAPE

Competition revolves around the digitalisation of benefits and Apple Pay

Revolut fills the gap in general purpose reloadable cards

Little benefit seen in open loop pre-paid cards, other than meal cards

CATEGORY DATA

Table 73 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 74 Pre-paid Cards Transactions 2014-2019
Table 75 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 76 Pre-paid Cards Transactions: % Growth 2014-2019
Table 77 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 79 Open Loop Pre-paid Cards Transactions 2014-2019
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 81 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 82 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 83 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 84 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 94 Forecast Pre-paid Cards Transactions 2019-2024
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in the Czech Republic - Category analysis

Store Cards in the Czech Republic - Company Profile

PROSPECTS

Financial Cards and Payments in the Czech Republic - Industry Overview

EXECUTIVE SUMMARY

Rising incomes and greater merchant card acceptance ensure continued growth

Apple Pay launches in the Czech Republic, affecting the payments space

Contactless technology strongly affects debit and pre-paid cards

The rise of fintechs and Apple Pay will affect the competitive environment

Debit and pre-paid cards expected to be boosted by funding for contactless terminals

MARKET INDICATORS

Table 101 Number of POS Terminals: Units 2014-2019
Table 102 Number of ATMs: Units 2014-2019
Table 103 Value Lost to Fraud 2014-2019
Table 104 Card Expenditure by Location 2019
Table 105 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 106 Domestic versus Foreign Spend 2019

MARKET DATA

Table 107 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 108 Financial Cards by Category: Number of Accounts 2014-2019
Table 109 Financial Cards Transactions by Category: Value 2014-2019
Table 110 Financial Cards by Category: Number of Transactions 2014-2019
Table 111 Consumer Payments by Category: Value 2014-2019
Table 112 Consumer Payments by Category: Number of Transactions 2014-2019
Table 113 M-Commerce by Category: Value 2014-2019
Table 114 M-Commerce by Category: % Value Growth 2014-2019
Table 115 Financial Cards: Number of Cards by Issuer 2014-2018
Table 116 Financial Cards: Number of Cards by Operator 2014-2018
Table 117 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 118 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 119 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 120 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 121 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 122 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 123 Forecast Consumer Payments by Category: Value 2019-2024
Table 124 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 125 Forecast M-Commerce by Category: Value 2019-2024
Table 126 Forecast M-Commerce by Category: % Value Growth 2019-2024

Megatrends

Country Report

Debit Cards in the Czech Republic

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Contactless debit cards and income growth stimulate spending

Launch of Apple Pay in February 2019 boosts the opportunities for growth

Average spend per card continues growing, with a rising share of online payments

COMPETITIVE LANDSCAPE

Mastercard remains the leading operator of debit cards, ahead of Visa

Ceska Sporitelna remains the leading issuer by improving services

Mobile banking will affect debit cards over the forecast period

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 the Czech Republic - Category analysis

Charge Cards in the Czech Republic - Company Profile

HEADLINES

PROSPECTS

Charge cards dominated by commercial cards but remains a niche

Growth will be limited by changes in card conditions and aversion to card lending

Growth of personal charge cards unlikely as American Express has no partner

COMPETITIVE LANDSCAPE

CCS Ceska Spolecnost Pro Platebni Karty offers various benefits

Saturation leads to increasing competition for commercial clients

American Express has a limited presence as it has no partner in the country

CATEGORY DATA

Credit Cards in the Czech Republic - Category analysis

Credit Cards in the Czech Republic - Company Profile

HEADLINES

PROSPECTS

Decline in card numbers and value growth indicate higher spending per card

Cardholders become more responsible, making the most of interest-free periods

Debt aversion set to limit growth, but there remain opportunities

COMPETITIVE LANDSCAPE

Home Credit remains the leading issuer, providing the widest variety of credit cards

Few co-branded cards and no recent new launches

CATEGORY DATA

Debit Cards in the Czech Republic - Category analysis

Debit Cards in the Czech Republic - Company Profile

HEADLINES

PROSPECTS

Contactless debit cards and income growth stimulate spending

Launch of Apple Pay in February 2019 boosts the opportunities for growth

Average spend per card continues growing, with a rising share of online payments

COMPETITIVE LANDSCAPE

Mastercard remains the leading operator of debit cards, ahead of Visa

Ceska Sporitelna remains the leading issuer by improving services

Mobile banking will affect debit cards over the forecast period

CATEGORY DATA

Pre-Paid Cards in the Czech Republic - Category analysis

Pre-Paid Cards in the Czech Republic - Company Profile

HEADLINES

PROSPECTS

Pre-paid cards most dynamic within payment cards thanks to meal cards

Digitalisation of meal cards boosts open loop pre-paid cards

Debit and credit card acceptance on public transport hampers growth

COMPETITIVE LANDSCAPE

Competition revolves around the digitalisation of benefits and Apple Pay

Revolut fills the gap in general purpose reloadable cards

Little benefit seen in open loop pre-paid cards, other than meal cards

CATEGORY DATA

Store Cards in the Czech Republic - Category analysis

Store Cards in the Czech Republic - Company Profile

PROSPECTS

Financial Cards and Payments in the Czech Republic - Industry Overview

EXECUTIVE SUMMARY

Rising incomes and greater merchant card acceptance ensure continued growth

Apple Pay launches in the Czech Republic, affecting the payments space

Contactless technology strongly affects debit and pre-paid cards

The rise of fintechs and Apple Pay will affect the competitive environment

Debit and pre-paid cards expected to be boosted by funding for contactless terminals

MARKET INDICATORS