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Country Report

Financial Cards and Payments in

Financial Cards and Payments in Brazil

Oct 2019

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Executive Summary

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

Because of the contraction in consumer expenditure resulting from the recession in 2014, Brazilians still feel reluctant to spend. Even so, credit cards and overdrafts are the most commonly used types of credit in Brazil.

Disruptive players presenting themselves as a simple solution to educate financially

The solid growth in penetration of smartphones in Brazil over the review period saw the country rank first in Latin America in terms of penetration of this device and put Brazil in the frontline of digital inclusion in the region. This has enabled a scenario where innovation in card payments has become natural and urgent, paving the way for the surge of domestic disruptive players whose business models are centred in the user’s experience.

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

With a growing number of banked consumers, as well an intensified competition between card acquirers over the review period that increased the penetration of POS machines within Brazilian retail and institutional channels, debit cards have become an alternative worthy of consideration when making lower ticket purchases. For that reason, debit cards have been growing in Brazil mainly at the expense of cash transactions.

Digital wallets becoming increasingly more common in Brazil

Brazil has been witnessing a growing number of digital wallets that work with a myriad of financial cards. Technology company Merci created a platform where consumers can aggregate the credit they receive from the store cards of different retailers.

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

Although financial cards are expected to benefit from the economic recovery that is to come, expectations of better economic performance have been frustrated by poor macroeconomic results since the final years of the review period, with little signs that the recovery will come any time soon. In that sense, economic recovery will be slow, even with interest rates at historic low levels.

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

The Financial Cards and Payments in Brazil market research report includes:

Analysis of key supply-side and demand trends
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 Financial Cards and Payments in Brazil?
What are the major operators and issuers in Brazil?
How will regulation impact the market?
What is the current state of emerging payment technologies such as mobile commerce?

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 Financial Cards and Payments in Brazil, originate from our database within our Consumer Finance market share and market size database, Passport, a platform which analyses Consumer Finance in 46 countries and globally.

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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 1 Number of POS Terminals: Units 2014-2019
Table 2 Number of ATMs: Units 2014-2019
Table 3 Value Lost to Fraud 2014-2019
Table 4 Card Expenditure by Location 2019
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 6 Domestic versus Foreign Spend 2019

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 8 Financial Cards by Category: Number of Accounts 2014-2019
Table 9 Financial Cards Transactions by Category: Value 2014-2019
Table 10 Financial Cards by Category: Number of Transactions 2014-2019
Table 11 Consumer Payments by Category: Value 2014-2019
Table 12 Consumer Payments by Category: Number of Transactions 2014-2019
Table 13 M-Commerce by Category: Value 2014-2019
Table 14 M-Commerce by Category: % Value Growth 2014-2019
Table 15 Financial Cards: Number of Cards by Issuer 2014-2018
Table 16 Financial Cards: Number of Cards by Operator 2014-2018
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 20 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 21 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 22 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 23 Forecast Consumer Payments by Category: Value 2019-2024
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 25 Forecast M-Commerce by Category: Value 2019-2024
Table 26 Forecast M-Commerce by Category: % Value Growth 2019-2024

SOURCES

Summary 1 Research Sources

Charge Cards in Brazil - Category analysis

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 27 Charge Cards: Number of Cards in Circulation 2014-2019
Table 28 Charge Cards Transactions 2014-2019
Table 29 Charge Cards in Circulation: % Growth 2014-2019
Table 30 Charge Cards Transactions: % Growth 2014-2019
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2014-2019
Table 32 Commercial Charge Cards Transactions 2014-2019
Table 33 Commercial Charge Cards in Circulation: % Growth 2014-2019
Table 34 Commercial Charge Cards Transactions: % Growth 2014-2019
Table 35 Personal Charge Cards: Number of Cards in Circulation 2014-2019
Table 36 Personal Charge Cards Transactions 2014-2019
Table 37 Personal Charge Cards in Circulation: % Growth 2014-2019
Table 38 Personal Charge Cards Transactions: % Growth 2014-2019
Table 39 Charge Cards: Number of Cards by Issuer 2014-2018
Table 40 Charge Cards: Number of Cards by Operator 2014-2018
Table 41 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 42 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 44 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 47 Personal Charge Cards: Number of Cards by Issuer 2014-2018
Table 48 Personal Charge Cards: Number of Cards by Operator 2014-2018
Table 49 Personal Charge Cards Transaction Value by Issuer 2014-2018
Table 50 Personal Charge Cards Transaction Value by Operator 2014-2018
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 52 Forecast Charge Cards Transactions 2019-2024
Table 53 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 54 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 56 Forecast Commercial Charge Cards Transactions 2019-2024
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2019-2024
Table 60 Forecast Personal Charge Cards Transactions 2019-2024
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2019-2024
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2019-2024

Credit Cards in Brazil - Category analysis

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 63 Credit Cards: Number of Cards in Circulation 2014-2019
Table 64 Credit Cards Transactions 2014-2019
Table 65 Credit Cards in Circulation: % Growth 2014-2019
Table 66 Credit Cards Transactions: % Growth 2014-2019
Table 67 Commercial Credit Cards: Number of Cards in Circulation 2014-2019
Table 68 Commercial Credit Cards Transactions 2014-2019
Table 69 Commercial Credit Cards in Circulation: % Growth 2014-2019
Table 70 Commercial Credit Cards Transactions: % Growth 2014-2019
Table 71 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 72 Personal Credit Cards Transactions 2014-2019
Table 73 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 74 Personal Credit Cards Transactions: % Growth 2014-2019
Table 75 Credit Cards: Number of Cards by Issuer 2014-2018
Table 76 Credit Cards: Number of Cards by Operator 2014-2018
Table 77 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 78 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 79 Commercial Credit Cards: Number of Cards by Issuer 2014-2018
Table 80 Commercial Credit Cards: Number of Cards by Operator 2014-2018
Table 81 Commercial Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 82 Commercial Credit Cards Payment Transaction Value by Operator 2014-2018
Table 83 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 84 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 85 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 86 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 87 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 88 Forecast Credit Cards Transactions 2019-2024
Table 89 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 90 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 91 Forecast Commercial Credit Cards: Number of Cards in Circulation 2019-2024
Table 92 Forecast Commercial Credit Cards Transactions 2019-2024
Table 93 Forecast Commercial Credit Cards in Circulation: % Growth 2019-2024
Table 94 Forecast Commercial Credit Cards Transactions: % Growth 2019-2024
Table 95 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 96 Forecast Personal Credit Cards Transactions 2019-2024
Table 97 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 98 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in Brazil - Category analysis

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 99 Debit Cards: Number of Cards in Circulation 2014-2019
Table 100 Debit Cards Transactions 2014-2019
Table 101 Debit Cards in Circulation: % Growth 2014-2019
Table 102 Debit Cards Transactions: % Growth 2014-2019
Table 103 Debit Cards: Number of Cards by Issuer 2014-2018
Table 104 Debit Cards: Number of Cards by Operator 2014-2018
Table 105 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 106 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 107 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 108 Forecast Debit Cards Transactions 2019-2024
Table 109 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 110 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in Brazil - Category analysis

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 111 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 112 Pre-paid Cards Transactions 2014-2019
Table 113 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 114 Pre-paid Cards Transactions: % Growth 2014-2019
Table 115 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 117 Open Loop Pre-paid Cards Transactions 2014-2019
Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 119 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 120 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 121 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 122 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 123 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 124 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 125 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 126 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 127 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 128 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 129 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 130 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 131 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 132 Forecast Pre-paid Cards Transactions 2019-2024
Table 133 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 134 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 135 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 136 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 137 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 138 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in Brazil - Category analysis

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 139 Store Cards: Number of Cards in Circulation 2014-2019
Table 140 Store Cards Transactions 2014-2019
Table 141 Store Cards in Circulation: % Growth 2014-2019
Table 142 Store Cards Transactions: % Growth 2014-2019
Table 143 Store Cards: Number of Cards by Issuer 2014-2018
Table 144 Store Cards: Payment Transaction Value by Issuer 2014-2018
Table 145 Forecast Store Cards: Number of Cards in Circulation 2019-2024
Table 146 Forecast Store Cards Transactions 2019-2024
Table 147 Forecast Store Cards in Circulation: % Growth 2019-2024
Table 148 Forecast Store Cards Transactions: % Growth 2019-2024

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Megatrends

Country Report

Financial Cards and Payments in Brazil

New Report Guarantee

Executive Summary

New Report Guarantee

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

Overview

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Table of Contents

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

Charge Cards in Brazil - Category analysis

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

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

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

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

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

Why buy this report?

Want to find out more about this report?

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