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Country Report

Financial Cards and Payments in

Financial Cards and Payments in Brazil

50 pages, Nov 2018

US$2,100

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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!

Lower levels of consumer spending contribute to the performance of different card functions

Brazil’s economy faced its worst recession in decades in the later part of the review period, marked by the deterioration of the labour market. High levels of unemployment have made consumers more cautious about making large purchases or taking on debt.

Debit cards continue gaining space in consumers’ minds for small purchases

Debit transactions in Brazil have been an increasingly frequent alternative to cash transactions, especially for lower-priced purchases, as more consumers gain access to basic financial services. Thus, the trend towards replacing consumer cash transactions with debit payments is expected to continue, especially for low-value purchases.

Medium-sized retailers gain relevance as store card issuers

Store cards may become increasingly fragmented. While large retailers are abandoning store cards in favour of cobranded personal credit cards, delegating the administration of those cards to issuers and networks, medium-sized retailers are strengthening their partnerships with store card companies.

Pre-paid cards gain relevance on the premise of being a simple payment solution

Pre-paid transactions continue to grow in Brazil, mostly supported by employee benefits open loop pre-paid cards and government benefits closed loop pre-paid cards. The reason behind this performance is that pre-paid cards are marketed as a simple payment option that offers the possibility of financial inclusion to those who do not have a bank account, which credit and debit cards fail to do.

Economic recovery being slower than expected impairs a more aggressive performance of card payments

Overall, financial card transactions are expected to benefit from the increasing levels of expenditure brought by the gradual economic recovery that will help improve consumers’ confidence. However, recovery will occur at a pace that is slower than expected, even with the country’s benchmark interest rate at historic low levels.

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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 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

Lower levels of consumer spending contribute to the performance of different card functions

Debit cards continue gaining space in consumers’ minds for small purchases

Medium-sized retailers gain relevance as store card issuers

Pre-paid cards gain relevance on the premise of being a simple payment solution

Economic recovery being slower than expected impairs a more aggressive performance of card payments

MARKET INDICATORS

Table 1 Number of POS Terminals: Units 2013-2018
Table 2 Number of ATMs: Units 2013-2018
Table 3 Value Lost to Fraud 2013-2018
Table 4 Card Expenditure by Location 2017
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2013-2018
Table 6 Domestic versus Foreign Spend 2018

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2013-2018
Table 8 Financial Cards by Category: Number of Accounts 2013-2018
Table 9 Financial Cards Transactions by Category: Value 2013-2018
Table 10 Financial Cards by Category: Number of Transactions 2013-2018
Table 11 Consumer Payments by Category: Value 2013-2018
Table 12 Consumer Payments by Category: Number of Transactions 2013-2018
Table 13 M-Commerce by Category: Value 2013-2018
Table 14 M-Commerce by Category: % Value Growth 2013-2018
Table 15 Financial Cards: Number of Cards by Issuer 2013-2017
Table 16 Financial Cards: Number of Cards by Operator 2013-2017
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2013-2017
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2013-2017
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 20 Forecast Financial Cards by Category: Number of Accounts 2018-2023
Table 21 Forecast Financial Cards Transactions by Category: Value 2018-2023
Table 22 Forecast Financial Cards by Category: Number of Transactions 2018-2023
Table 23 Forecast Consumer Payments by Category: Value 2018-2023
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2018-2023
Table 25 Forecast M-Commerce by Category: Value 2018-2023
Table 26 Forecast M-Commerce by Category: % Value Growth 2018-2023

SOURCES

Summary 1 Research Sources

Charge Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Charge cards are more resilient to lower consumer expenditure due to their premium positioning

Educating consumers and providing premium services are key to the expansion of charge card usage

COMPETITIVE LANDSCAPE

American Express and Banco Bradesco remain the only players, with a focus on commercial charge cards

Creating differentiated service platforms is key in expanding the penetration of commercial charge cards

CATEGORY DATA

Table 27 Charge Cards: Number of Cards in Circulation 2013-2018
Table 28 Charge Cards Transactions 2013-2018
Table 29 Charge Cards in Circulation: % Growth 2013-2018
Table 30 Charge Cards Transactions: % Growth 2013-2018
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2013-2018
Table 32 Commercial Charge Cards Transactions 2013-2018
Table 33 Commercial Charge Cards in Circulation: % Growth 2013-2018
Table 34 Commercial Charge Cards Transactions: % Growth 2013-2018
Table 35 Personal Charge Cards: Number of Cards in Circulation 2013-2018
Table 36 Personal Charge Cards Transactions 2013-2018
Table 37 Personal Charge Cards in Circulation: % Growth 2013-2018
Table 38 Personal Charge Cards Transactions: % Growth 2013-2018
Table 39 Charge Cards: Number of Cards by Issuer 2013-2017
Table 40 Charge Cards: Number of Cards by Operator 2013-2017
Table 41 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 42 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 44 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 47 Personal Charge Cards: Number of Cards by Issuer 2013-2017
Table 48 Personal Charge Cards: Number of Cards by Operator 2013-2017
Table 49 Personal Charge Cards Transaction Value by Issuer 2013-2017
Table 50 Personal Charge Cards Transaction Value by Operator 2013-2017
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 52 Forecast Charge Cards Transactions 2018-2023
Table 53 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 54 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 56 Forecast Commercial Charge Cards Transactions 2018-2023
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 60 Forecast Personal Charge Cards Transactions 2018-2023
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2018-2023
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2018-2023

Credit Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Slower-than-expected economic recovery postpones a more aggressive performance of credit cards

New rules on revolving credit have little impact on consumers’ indebtedness

COMPETITIVE LANDSCAPE

The digital environment paves the way for innovation in credit cards

New launches by Nubank and CBSS

CATEGORY DATA

Table 63 Credit Cards: Number of Cards in Circulation 2013-2018
Table 64 Credit Cards Transactions 2013-2018
Table 65 Credit Cards in Circulation: % Growth 2013-2018
Table 66 Credit Cards Transactions: % Growth 2013-2018
Table 67 Commercial Credit Cards: Number of Cards in Circulation 2013-2018
Table 68 Commercial Credit Cards Transactions 2013-2018
Table 69 Commercial Credit Cards in Circulation: % Growth 2013-2018
Table 70 Commercial Credit Cards Transactions: % Growth 2013-2018
Table 71 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 72 Personal Credit Cards Transactions 2013-2018
Table 73 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 74 Personal Credit Cards Transactions: % Growth 2013-2018
Table 75 Credit Cards: Number of Cards by Issuer 2013-2017
Table 76 Credit Cards: Number of Cards by Operator 2013-2017
Table 77 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 78 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 79 Commercial Credit Cards: Number of Cards by Issuer 2013-2017
Table 80 Commercial Credit Cards: Number of Cards by Operator 2013-2017
Table 81 Commercial Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 82 Commercial Credit Cards Payment Transaction Value by Operator 2013-2017
Table 83 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 84 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 85 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 86 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 87 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 88 Forecast Credit Cards Transactions 2018-2023
Table 89 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 90 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 91 Forecast Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 92 Forecast Commercial Credit Cards Transactions 2018-2023
Table 93 Forecast Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 94 Forecast Commercial Credit Cards Transactions: % Growth 2018-2023
Table 95 Forecast Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 96 Forecast Personal Credit Cards Transactions 2018-2023
Table 97 Forecast Personal Credit Cards in Circulation: % Growth 2018-2023
Table 98 Forecast Personal Credit Cards Transactions: % Growth 2018-2023

Debit Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Debit cards continue gaining share over cash transactions

Debit cards do not face fierce competition from pre-paid cards

COMPETITIVE LANDSCAPE

Elo continues to grow in an environment still dominated by large operators

Elo joins with Diners Club to enlarge its merchant acceptance

CATEGORY DATA

Table 99 Debit Cards: Number of Cards in Circulation 2013-2018
Table 100 Debit Cards Transactions 2013-2018
Table 101 Debit Cards in Circulation: % Growth 2013-2018
Table 102 Debit Cards Transactions: % Growth 2013-2018
Table 103 Debit Cards: Number of Cards by Issuer 2013-2017
Table 104 Debit Cards: Number of Cards by Operator 2013-2017
Table 105 Debit Cards Payment Transaction Value by Issuer 2013-2017
Table 106 Debit Cards Payment Transaction Value by Operator 2013-2017
Table 107 Forecast Debit Cards: Number of Cards in Circulation 2018-2023
Table 108 Forecast Debit Cards Transactions 2018-2023
Table 109 Forecast Debit Cards in Circulation: % Growth 2018-2023
Table 110 Forecast Debit Cards Transactions: % Growth 2018-2023

Pre-Paid Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Uncertainty surrounding macroeconomic conditions delays the recovery of pre-paid cards

General purpose open loop pre-paid cards gain relevance in Brazil

COMPETITIVE LANDSCAPE

Pre-paid cards appeal to issuers looking to serve an untapped consumer base

Digital innovations help drive the growth of general purpose pre-paid cards

CATEGORY DATA

Table 111 Pre-paid Cards: Number of Cards in Circulation 2013-2018
Table 112 Pre-paid Cards Transactions 2013-2018
Table 113 Pre-paid Cards in Circulation: % Growth 2013-2018
Table 114 Pre-paid Cards Transactions: % Growth 2013-2018
Table 115 Closed Loop Pre-paid Cards Transactions 2013-2018
Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 117 Open Loop Pre-paid Cards Transactions 2013-2018
Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 119 Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 120 Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 121 Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 122 Pre-paid Cards Transaction Value by Operator 2013-2017
Table 123 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 124 Closed Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 125 Closed Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 126 Closed Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 127 Open Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 128 Open Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 129 Open Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 130 Open Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 131 Forecast Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 132 Forecast Pre-paid Cards Transactions 2018-2023
Table 133 Forecast Pre-paid Cards in Circulation: % Growth 2018-2023
Table 134 Forecast Pre-paid Cards Transactions: % Growth 2018-2023
Table 135 Forecast Closed Loop Pre-paid Cards Transactions 2018-2023
Table 136 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 137 Forecast Open Loop Pre-paid Cards Transactions 2018-2023
Table 138 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2018-2023

Store Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Store cards from medium-sized retailers promote customer loyalty

Large retailers substitute cobranded credit cards for store cards

COMPETITIVE LANDSCAPE

Offering instalment payments is key

Store cards to become more fragmented

CATEGORY DATA

Table 139 Store Cards: Number of Cards in Circulation 2013-2018
Table 140 Store Cards Transactions 2013-2018
Table 141 Store Cards in Circulation: % Growth 2013-2018
Table 142 Store Cards Transactions: % Growth 2013-2018
Table 143 Store Cards: Number of Cards by Issuer 2013-2017
Table 144 Store Cards: Payment Transaction Value by Issuer 2013-2017
Table 145 Forecast Store Cards: Number of Cards in Circulation 2018-2023
Table 146 Forecast Store Cards Transactions 2018-2023
Table 147 Forecast Store Cards in Circulation: % Growth 2018-2023
Table 148 Forecast Store Cards Transactions: % Growth 2018-2023

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Megatrends

Country Report

Financial Cards and Payments in Brazil

New Report Guarantee

Executive Summary

New Report Guarantee

Lower levels of consumer spending contribute to the performance of different card functions

Debit cards continue gaining space in consumers’ minds for small purchases

Medium-sized retailers gain relevance as store card issuers

Pre-paid cards gain relevance on the premise of being a simple payment solution

Economic recovery being slower than expected impairs a more aggressive performance of card payments

Overview

Why buy this report?

Samples (FAQs about samples):

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Table of Contents

Financial Cards and Payments in Brazil - Industry Overview

EXECUTIVE SUMMARY

Lower levels of consumer spending contribute to the performance of different card functions

Debit cards continue gaining space in consumers’ minds for small purchases

Medium-sized retailers gain relevance as store card issuers

Pre-paid cards gain relevance on the premise of being a simple payment solution

Economic recovery being slower than expected impairs a more aggressive performance of card payments

MARKET INDICATORS

MARKET DATA

SOURCES

Charge Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Charge cards are more resilient to lower consumer expenditure due to their premium positioning

Educating consumers and providing premium services are key to the expansion of charge card usage

COMPETITIVE LANDSCAPE

American Express and Banco Bradesco remain the only players, with a focus on commercial charge cards

Creating differentiated service platforms is key in expanding the penetration of commercial charge cards

CATEGORY DATA

Credit Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Slower-than-expected economic recovery postpones a more aggressive performance of credit cards

New rules on revolving credit have little impact on consumers’ indebtedness

COMPETITIVE LANDSCAPE

The digital environment paves the way for innovation in credit cards

New launches by Nubank and CBSS

CATEGORY DATA

Debit Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Debit cards continue gaining share over cash transactions

Debit cards do not face fierce competition from pre-paid cards

COMPETITIVE LANDSCAPE

Elo continues to grow in an environment still dominated by large operators

Elo joins with Diners Club to enlarge its merchant acceptance

CATEGORY DATA

Pre-Paid Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Uncertainty surrounding macroeconomic conditions delays the recovery of pre-paid cards

General purpose open loop pre-paid cards gain relevance in Brazil

COMPETITIVE LANDSCAPE

Pre-paid cards appeal to issuers looking to serve an untapped consumer base

Digital innovations help drive the growth of general purpose pre-paid cards

CATEGORY DATA

Store Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Store cards from medium-sized retailers promote customer loyalty

Large retailers substitute cobranded credit cards for store cards

COMPETITIVE LANDSCAPE

Offering instalment payments is key

Store cards to become more fragmented

CATEGORY DATA

Why buy this report?

Want to find out more about this report?

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