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Country Report

Financial Cards and Payments in

Financial Cards and Payments in Japan

43 pages, Nov 2017

US$2,100

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Executive Summary

New Report Guarantee

If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

Healthy growth in total cards transactions

Although the Japanese are fonder of paying in cash than other countries, they are becoming more positive to the shift from cash payments to card payments, which led a strong value increase in total cards transactions over the review period, while cash transactions declined. This was mainly led by promotional activity to raise the total card transactions of existing customers by encouraging card usage for small transactions and recurring settlements such as utility bills.

Loyalty programmes and rewards continue to attract consumers

Loyalty programmes and rewards are main concerns for Japanese consumers when choosing a credit card. Accumulating points and/or airline mileage by using credit cards rather than paying by cash with no reward is attractive for consumers.

Digital payments have potential to grow

Mobile wallet has not been as successful as expected, even though consumers have devices which are able to utilise digital payments, according to the Bank of Japan. Mobile wallet has been available since 2004, under the name of Osaifu Keitai, a wallet for cell phones other than iPhone.

Technology creates new financial market environment

The Revised Banking Act was passed on 26 May 2017 in a House of Councillors plenary session and will come into effect in spring 2018, encouraging collaboration between banks and Fintech enterprises to provide convenient financial services. Under the Act, banks are obliged to share their APIs in order to encourage banks and Fintech companies to connect and provide advanced, low-cost services for consumers.

Enhanced security dispels consumer concerns

An increasing number of card fraud cases has hindered the growth of card transactions towards the Tokyo Olympic Games’ target, and it is a priority to tackle this. Therefore the Revised Instalment Sales Act was introduced in December 2016 to enhance card security.

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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 Japan 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 Japan, our research will save you time and money while empowering you to make informed, profitable decisions.

The Financial Cards and Payments in Japan 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 Japan?
What are the major operators and issuers in Japan?
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 Japan, 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 Japan - Industry Overview

EXECUTIVE SUMMARY

Healthy growth in total cards transactions

Loyalty programmes and rewards continue to attract consumers

Digital payments have potential to grow

Technology creates new financial market environment

Enhanced security dispels consumer concerns

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 Japan - Category analysis

PROSPECTS

Credit Cards in Japan - Category analysis

HEADLINES

PROSPECTS

Government policies and wider acceptance support the strong position of credit cards

Growth threatened by demographic changes

Commercial credit cards to remain a niche

COMPETITIVE LANDSCAPE

Visa remains the leading operator

Non-finance companies emerge in credit cards

Mitsubishi UFJ Nicos is the leading issuer

CATEGORY DATA

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

Debit Cards in Japan - Category analysis

HEADLINES

PROSPECTS

Debit cards play a minor role in Japan

Expanding number of issuers

Commercial debit cards set to grow

COMPETITIVE LANDSCAPE

J-Debit continues to lead, while losing share

Sumitomo Mitsui Bank launches a Visa debit card

JCB continues to gain ground

CATEGORY DATA

Table 63 Debit Cards: Number of Cards in Circulation 2012-2017
Table 64 Debit Cards Transactions 2012-2017
Table 65 Debit Cards in Circulation: % Growth 2012-2017
Table 66 Debit Cards Transactions: % Growth 2012-2017
Table 67 Debit Cards: Number of Cards by Issuer 2012-2016
Table 68 Debit Cards: Number of Cards by Operator 2012-2016
Table 69 Debit Cards Payment Transaction Value by Issuer 2012-2016
Table 70 Debit Cards Payment Transaction Value by Operator 2012-2016
Table 71 Forecast Debit Cards: Number of Cards in Circulation 2017-2022
Table 72 Forecast Debit Cards Transactions 2017-2022
Table 73 Forecast Debit Cards in Circulation: % Growth 2017-2022
Table 74 Forecast Debit Cards Transactions: % Growth 2017-2022

Pre-Paid Cards in Japan - Category analysis

HEADLINES

PROSPECTS

Pre-paid cards increasingly popular

Open loop pre-paid cards set to record the strongest retail value growth

Closed loop lags, but still with strong growth

COMPETITIVE LANDSCAPE

Retailers characterise pre-paid cards

Branded pre-paid cards make an entrance

CATEGORY DATA

Table 75 Pre-paid Cards: Number of Cards in Circulation 2012-2017
Table 76 Pre-paid Cards Transactions 2012-2017
Table 77 Pre-paid Cards in Circulation: % Growth 2012-2017
Table 78 Pre-paid Cards Transactions: % Growth 2012-2017
Table 79 Closed Loop Pre-paid Cards Transactions 2012-2017
Table 80 Closed Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 81 Open Loop Pre-paid Cards Transactions 2012-2017
Table 82 Open Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 83 Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 84 Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 85 Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 86 Pre-paid Cards Transaction Value by Operator 2012-2016
Table 87 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 88 Closed Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 89 Closed Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 90 Closed Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 91 Open Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 92 Open Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 93 Open Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 94 Open Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 95 Forecast Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 96 Forecast Pre-paid Cards Transactions 2017-2022
Table 97 Forecast Pre-paid Cards in Circulation: % Growth 2017-2022
Table 98 Forecast Pre-paid Cards Transactions: % Growth 2017-2022
Table 99 Forecast Closed Loop Pre-paid Cards Transactions 2017-2022
Table 100 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 101 Forecast Open Loop Pre-paid Cards Transactions 2017-2022
Table 102 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2017-2022

Store Cards in Japan - Category analysis

HEADLINES

PROSPECTS

Store cards set to continue to decline

Co-branded credit cards to replace store cards

Higher department store sales do not benefit store cards

COMPETITIVE LANDSCAPE

Takashimaya leads store cards

Isetan Mitsukoshi Holdings the leading GBO

Stores encourage a shift to branded credit cards

CATEGORY DATA

Table 103 Store Cards: Number of Cards in Circulation 2012-2017
Table 104 Store Cards Transactions 2012-2017
Table 105 Store Cards in Circulation: % Growth 2012-2017
Table 106 Store Cards Transactions: % Growth 2012-2017
Table 107 Store Cards: Number of Cards by Issuer 2012-2016
Table 108 Store Cards: Payment Transaction Value by Issuer 2012-2016
Table 109 Forecast Store Cards: Number of Cards in Circulation 2017-2022
Table 110 Forecast Store Cards Transactions 2017-2022
Table 111 Forecast Store Cards in Circulation: % Growth 2017-2022
Table 112 Forecast Store Cards Transactions: % Growth 2017-2022

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Megatrends

Country Report

Financial Cards and Payments in Japan

New Report Guarantee

Executive Summary

New Report Guarantee

Healthy growth in total cards transactions

Loyalty programmes and rewards continue to attract consumers

Digital payments have potential to grow

Technology creates new financial market environment

Enhanced security dispels consumer concerns

Overview

Why buy this report?

Samples (FAQs about samples):

Want to find out more about this report?

Table of Contents

Financial Cards and Payments in Japan - Industry Overview

EXECUTIVE SUMMARY

Healthy growth in total cards transactions

Loyalty programmes and rewards continue to attract consumers

Digital payments have potential to grow

Technology creates new financial market environment

Enhanced security dispels consumer concerns

MARKET INDICATORS

MARKET DATA

SOURCES

Charge Cards in Japan - Category analysis

PROSPECTS

Credit Cards in Japan - Category analysis

HEADLINES

PROSPECTS

Government policies and wider acceptance support the strong position of credit cards

Growth threatened by demographic changes

Commercial credit cards to remain a niche

COMPETITIVE LANDSCAPE

Visa remains the leading operator

Non-finance companies emerge in credit cards

Mitsubishi UFJ Nicos is the leading issuer

CATEGORY DATA

Debit Cards in Japan - Category analysis

HEADLINES

PROSPECTS

Debit cards play a minor role in Japan

Expanding number of issuers

Commercial debit cards set to grow

COMPETITIVE LANDSCAPE

J-Debit continues to lead, while losing share

Sumitomo Mitsui Bank launches a Visa debit card

JCB continues to gain ground

CATEGORY DATA

Pre-Paid Cards in Japan - Category analysis

HEADLINES

PROSPECTS

Pre-paid cards increasingly popular

Open loop pre-paid cards set to record the strongest retail value growth

Closed loop lags, but still with strong growth

COMPETITIVE LANDSCAPE

Retailers characterise pre-paid cards

Branded pre-paid cards make an entrance

CATEGORY DATA

Store Cards in Japan - Category analysis

HEADLINES

PROSPECTS

Store cards set to continue to decline

Co-branded credit cards to replace store cards

Higher department store sales do not benefit store cards

COMPETITIVE LANDSCAPE

Takashimaya leads store cards

Isetan Mitsukoshi Holdings the leading GBO

Stores encourage a shift to branded credit cards

CATEGORY DATA

Why buy this report?

Want to find out more about this report?

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