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Country Report

Financial Cards and Payments in

Financial Cards and Payments in Brazil

52 pages, Oct 2017

US$2,100

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Executive Summary

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Recessionary cycle impacts financial cards as consumers are less willing to spend

In 2017, debit card transactions posted current value growth well below the review period CAGR, with growth barely strong enough to keep up with inflation. The recessive economic cycle in Brazil had an impact across all financial cards and payments categories in 2017, either because consumers had less money to spend or because they were forced to rethink their spending habits amidst a scenario of lower confidence in the economy.

Debit transactions benefit from lower inflation and higher spending power

2017 saw debit card transactions posted current value growth well below the review period CAGR, although growth was still positive in the category. One of the reasons is the high indebtedness of Brazilian consumers, which has contributed to many preferring cards with debit functions over credit cards in order to use credit for higher-priced purchases.

Credit keeps losing ground to debit, but should benefit from recovery in consumer spending

Credit card transactions continues to lose share of overall spending to debit cards, despite the recent decrease in the country’s benchmark interest rate. As of 2017, Brazil’s economy is expected to see an incipient recovery after experiencing one of its worst recessions in decades.

Pre-paid cards companies investing in catering to a broader audience

General purpose reloadable cards posted solid growth in terms of the number of cards in circulation in 2017. Simplicity is the key to driving growth and remaining relevant for pre-paid cards and general purpose reloadable cards is thus recording stronger growth than either debit or credit cards as they fill gaps that credit and debit cards did not cover previously.

Economic recovery to benefit credit cards and employee benefit pre-paid cards

Pre-paid card companies are expected to continue providing consumers with offerings that not only highlight convenience but which are also unlikely to be launched by banks and other traditional financial institutions. Furthermore, the gradual recovery of Brazil’s labour market as the economy recovers during the forecast period is set to contribute to the improved performance of employee benefit pre-paid cards, one of the most important pre-paid cards categories in the country due to the meal vouchers that most Brazilian workers receive.

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Overview

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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

Recessionary cycle impacts financial cards as consumers are less willing to spend

Debit transactions benefit from lower inflation and higher spending power

Credit keeps losing ground to debit, but should benefit from recovery in consumer spending

Pre-paid cards companies investing in catering to a broader audience

Economic recovery to benefit credit cards and employee benefit pre-paid cards

MARKET INDICATORS

Table 1 Number of POS Terminals: Units 2012-2017
Table 2 Number of ATMs: Units 2012-2017
Table 3 Value Lost to Fraud 2012-2017
Table 4 Card Expenditure by Location 2017
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2012-2017
Table 6 Domestic versus Foreign Spend 2017

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2012-2017
Table 8 Financial Cards by Category: Number of Accounts 2012-2017
Table 9 Financial Cards Transactions by Category: Value 2012-2017
Table 10 Financial Cards by Category: Number of Transactions 2012-2017
Table 11 Consumer Payments by Category: Value 2012-2017
Table 12 Consumer Payments by Category: Number of Transactions 2012-2017
Table 13 M-Commerce by Category: Value 2013-2017
Table 14 M-Commerce by Category: % Value Growth 2013-2017
Table 15 Financial Cards: Number of Cards by Issuer 2012-2016
Table 16 Financial Cards: Number of Cards by Operator 2012-2016
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2012-2016
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2012-2016
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 20 Forecast Financial Cards by Category: Number of Accounts 2017-2022
Table 21 Forecast Financial Cards Transactions by Category: Value 2017-2022
Table 22 Forecast Financial Cards by Category: Number of Transactions 2017-2022
Table 23 Forecast Consumer Payments by Category: Value 2017-2022
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2017-2022
Table 25 Forecast M-Commerce by Category: Value 2017-2022
Table 26 Forecast M-Commerce by Category: % Value Growth 2017-2022

SOURCES

Summary 1 Research Sources

Charge Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Charge cards largely immune to economic crisis due to high-income consumer base

Investment in the commercial segment set to drive charge cards transactions

COMPETITIVE LANDSCAPE

American Express remains dominant, focusing on the commercial segment

Competition from credit cards places limits on growth in charge cards

CATEGORY DATA

Table 27 Charge Cards: Number of Cards in Circulation 2012-2017
Table 28 Charge Cards Transactions 2012-2017
Table 29 Charge Cards in Circulation: % Growth 2012-2017
Table 30 Charge Cards Transactions: % Growth 2012-2017
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2012-2017
Table 32 Commercial Charge Cards Transactions 2012-2017
Table 33 Commercial Charge Cards in Circulation: % Growth 2012-2017
Table 34 Commercial Charge Cards Transactions: % Growth 2012-2017
Table 35 Personal Charge Cards: Number of Cards in Circulation 2012-2017
Table 36 Personal Charge Cards Transactions 2012-2017
Table 37 Personal Charge Cards in Circulation: % Growth 2012-2017
Table 38 Personal Charge Cards Transactions: % Growth 2012-2017
Table 39 Charge Cards: Number of Cards by Issuer 2012-2016
Table 40 Charge Cards: Number of Cards by Operator 2012-2016
Table 41 Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 42 Charge Cards Payment Transaction Value by Operator 2012-2016
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2012-2016
Table 44 Commercial Charge Cards: Number of Cards by Operator 2012-2016
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2012-2016
Table 47 Personal Charge Cards: Number of Cards by Issuer 2012-2016
Table 48 Personal Charge Cards: Number of Cards by Operator 2012-2016
Table 49 Personal Charge Cards Transaction Value by Issuer 2012-2016
Table 50 Personal Charge Cards Transaction Value by Operator 2012-2016
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2017-2022
Table 52 Forecast Charge Cards Transactions 2017-2022
Table 53 Forecast Charge Cards in Circulation: % Growth 2017-2022
Table 54 Forecast Charge Cards Transactions: % Growth 2017-2022
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 56 Forecast Commercial Charge Cards Transactions 2017-2022
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2017-2022
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 60 Forecast Personal Charge Cards Transactions 2017-2022
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2017-2022
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2017-2022

Credit Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Credit card transactions to benefit from gradual recovery in consumer confidence

New rules for revolving credit to help prevent consumers accruing large debts

COMPETITIVE LANDSCAPE

Co-branded credit cards and pure online players gain relevance

Rising use of digital technology paves the way for the development of credit cards

CATEGORY DATA

Table 63 Credit Cards: Number of Cards in Circulation 2012-2017
Table 64 Credit Cards Transactions 2012-2017
Table 65 Credit Cards in Circulation: % Growth 2012-2017
Table 66 Credit Cards Transactions: % Growth 2012-2017
Table 67 Commercial Credit Cards: Number of Cards in Circulation 2012-2017
Table 68 Commercial Credit Cards Transactions 2012-2017
Table 69 Commercial Credit Cards in Circulation: % Growth 2012-2017
Table 70 Commercial Credit Cards Transactions: % Growth 2012-2017
Table 71 Personal Credit Cards: Number of Cards in Circulation 2012-2017
Table 72 Personal Credit Cards Transactions 2012-2017
Table 73 Personal Credit Cards in Circulation: % Growth 2012-2017
Table 74 Personal Credit Cards Transactions: % Growth 2012-2017
Table 75 Credit Cards: Number of Cards by Issuer 2012-2016
Table 76 Credit Cards: Number of Cards by Operator 2012-2016
Table 77 Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 78 Credit Cards Payment Transaction Value by Operator 2012-2016
Table 79 Commercial Credit Cards: Number of Cards by Issuer 2012-2016
Table 80 Commercial Credit Cards: Number of Cards by Operator 2012-2016
Table 81 Commercial Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 82 Commercial Credit Cards Payment Transaction Value by Operator 2012-2016
Table 83 Personal Credit Cards: Number of Cards by Issuer 2012-2016
Table 84 Personal Credit Cards: Number of Cards by Operator 2012-2016
Table 85 Personal Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 86 Personal Credit Cards Payment Transaction Value by Operator 2012-2016
Table 87 Forecast Credit Cards: Number of Cards in Circulation 2017-2022
Table 88 Forecast Credit Cards Transactions 2017-2022
Table 89 Forecast Credit Cards in Circulation: % Growth 2017-2022
Table 90 Forecast Credit Cards Transactions: % Growth 2017-2022
Table 91 Forecast Commercial Credit Cards: Number of Cards in Circulation 2017-2022
Table 92 Forecast Commercial Credit Cards Transactions 2017-2022
Table 93 Forecast Commercial Credit Cards in Circulation: % Growth 2017-2022
Table 94 Forecast Commercial Credit Cards Transactions: % Growth 2017-2022
Table 95 Forecast Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 96 Forecast Personal Credit Cards Transactions 2017-2022
Table 97 Forecast Personal Credit Cards in Circulation: % Growth 2017-2022
Table 98 Forecast Personal Credit Cards Transactions: % Growth 2017-2022

Debit Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Debit cards gain relevance as a payment method for lower-priced purchases

Higher demand for fmcg benefits debit card transactions

COMPETITIVE LANDSCAPE

Major operators still dominate the competitive landscape for debit transactions

Elo Participações underlines its importance among card operators

CATEGORY DATA

Table 99 Debit Cards: Number of Cards in Circulation 2012-2017
Table 100 Debit Cards Transactions 2012-2017
Table 101 Debit Cards in Circulation: % Growth 2012-2017
Table 102 Debit Cards Transactions: % Growth 2012-2017
Table 103 Debit Cards: Number of Cards by Issuer 2012-2016
Table 104 Debit Cards: Number of Cards by Operator 2012-2016
Table 105 Debit Cards Payment Transaction Value by Issuer 2012-2016
Table 106 Debit Cards Payment Transaction Value by Operator 2012-2016
Table 107 Forecast Debit Cards: Number of Cards in Circulation 2017-2022
Table 108 Forecast Debit Cards Transactions 2017-2022
Table 109 Forecast Debit Cards in Circulation: % Growth 2017-2022
Table 110 Forecast Debit Cards Transactions: % Growth 2017-2022

Pre-Paid Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Open loop pre-paid cards to respond positively to macroeconomic recovery

General purpose reloadable cards appeal due to versatility and simplicity

Strong growth opportunities the basis for rising interest in pre-paid cards

COMPETITIVE LANDSCAPE

Serving untapped segments the main strategy in general purpose reloadable cards

Competition set to intensify

CATEGORY DATA

Table 111 Pre-paid Cards: Number of Cards in Circulation 2012-2017
Table 112 Pre-paid Cards Transactions 2012-2017
Table 113 Pre-paid Cards in Circulation: % Growth 2012-2017
Table 114 Pre-paid Cards Transactions: % Growth 2012-2017
Table 115 Closed Loop Pre-paid Cards Transactions 2012-2017
Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 117 Open Loop Pre-paid Cards Transactions 2012-2017
Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 119 Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 120 Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 121 Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 122 Pre-paid Cards Transaction Value by Operator 2012-2016
Table 123 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 124 Closed Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 125 Closed Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 126 Closed Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 127 Open Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 128 Open Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 129 Open Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 130 Open Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 131 Forecast Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 132 Forecast Pre-paid Cards Transactions 2017-2022
Table 133 Forecast Pre-paid Cards in Circulation: % Growth 2017-2022
Table 134 Forecast Pre-paid Cards Transactions: % Growth 2017-2022
Table 135 Forecast Closed Loop Pre-paid Cards Transactions 2017-2022
Table 136 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 137 Forecast Open Loop Pre-paid Cards Transactions 2017-2022
Table 138 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2017-2022

Store Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Mid-sized retailers partnering with store cards companies to issue their own cards

Store cards popular due to the flexibility they offer

Store cards set to lose ground to co-branded credit cards

COMPETITIVE LANDSCAPE

Apparel and footwear specialist retailers dominate the issuing of store cards

Lojas Renner sets the pace

Leading players leaning towards co-branded cards

CATEGORY DATA

Table 139 Store Cards: Number of Cards in Circulation 2012-2017
Table 140 Store Cards Transactions 2012-2017
Table 141 Store Cards in Circulation: % Growth 2012-2017
Table 142 Store Cards Transactions: % Growth 2012-2017
Table 143 Store Cards: Number of Cards by Issuer 2012-2016
Table 144 Store Cards: Payment Transaction Value by Issuer 2012-2016
Table 145 Forecast Store Cards: Number of Cards in Circulation 2017-2022
Table 146 Forecast Store Cards Transactions 2017-2022
Table 147 Forecast Store Cards in Circulation: % Growth 2017-2022
Table 148 Forecast Store Cards Transactions: % Growth 2017-2022

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Megatrends

Country Report

Financial Cards and Payments in Brazil

New Report Guarantee

Executive Summary

New Report Guarantee

Recessionary cycle impacts financial cards as consumers are less willing to spend

Debit transactions benefit from lower inflation and higher spending power

Credit keeps losing ground to debit, but should benefit from recovery in consumer spending

Pre-paid cards companies investing in catering to a broader audience

Economic recovery to benefit credit cards and employee benefit pre-paid cards

Overview

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Table of Contents

Financial Cards and Payments in Brazil - Industry Overview

EXECUTIVE SUMMARY

Recessionary cycle impacts financial cards as consumers are less willing to spend

Debit transactions benefit from lower inflation and higher spending power

Credit keeps losing ground to debit, but should benefit from recovery in consumer spending

Pre-paid cards companies investing in catering to a broader audience

Economic recovery to benefit credit cards and employee benefit pre-paid cards

MARKET INDICATORS

MARKET DATA

SOURCES

Charge Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Charge cards largely immune to economic crisis due to high-income consumer base

Investment in the commercial segment set to drive charge cards transactions

COMPETITIVE LANDSCAPE

American Express remains dominant, focusing on the commercial segment

Competition from credit cards places limits on growth in charge cards

CATEGORY DATA

Credit Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Credit card transactions to benefit from gradual recovery in consumer confidence

New rules for revolving credit to help prevent consumers accruing large debts

COMPETITIVE LANDSCAPE

Co-branded credit cards and pure online players gain relevance

Rising use of digital technology paves the way for the development of credit cards

CATEGORY DATA

Debit Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Debit cards gain relevance as a payment method for lower-priced purchases

Higher demand for fmcg benefits debit card transactions

COMPETITIVE LANDSCAPE

Major operators still dominate the competitive landscape for debit transactions

Elo Participações underlines its importance among card operators

CATEGORY DATA

Pre-Paid Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Open loop pre-paid cards to respond positively to macroeconomic recovery

General purpose reloadable cards appeal due to versatility and simplicity

Strong growth opportunities the basis for rising interest in pre-paid cards

COMPETITIVE LANDSCAPE

Serving untapped segments the main strategy in general purpose reloadable cards

Competition set to intensify

CATEGORY DATA

Store Cards in Brazil - Category analysis

HEADLINES

PROSPECTS

Mid-sized retailers partnering with store cards companies to issue their own cards

Store cards popular due to the flexibility they offer

Store cards set to lose ground to co-branded credit cards

COMPETITIVE LANDSCAPE

Apparel and footwear specialist retailers dominate the issuing of store cards

Lojas Renner sets the pace

Leading players leaning towards co-branded cards

CATEGORY DATA

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