Financial Cards and Payments in Japan

December 2022
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Overview:

Understand the latest market trends and future growth opportunities for the Financial Cards and Payments industry in Japan with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.

Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.

If you're in the Financial Cards and Payments industry in Japan, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Financial Cards and Payments in Japan report includes:

  • Analysis of key supply-side and demand trends
  • Detailed segmentation of international and local products
  • Historic volume and value sizes, company and brand market shares
  • Five year forecasts of market trends and market growth
  • Robust and transparent research methodology, conducted in-country

This report answers:

  • What is the market size of Financial Cards and Payments in Japan?
  • What are the major trends key to understanding Financial Cards and Payments in Japan?
  • How has COVID-19, recession and macroeconomic volatility impacted the market?
  • How long will the market take to recover? What are the opportunities now?
  • How will political context and shifting cultural values shape future growth?
  • Where is future growth expected to be most dynamic?
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Financial Cards and Payments in Japan - Industry Overview

Financial cards and payments in 2022: The big picture
2022 key trends
Competitive landscape
What next for financial cards and payments?
Table 1 Number of POS Terminals: Units 2017-2022
Table 2 Number of ATMs: Units 2017-2022
Table 3 Value Lost to Fraud 2017-2022
Table 4 Card Expenditure by Location 2022
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2017-2022
Table 6 Domestic versus Foreign Spend 2022
Table 7 Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 8 Financial Cards by Category: Number of Accounts 2017-2022
Table 9 Financial Cards Transactions by Category: Value 2017-2022
Table 10 Financial Cards by Category: Number of Transactions 2017-2022
Table 11 Consumer Payments by Category: Value 2017-2022
Table 12 Consumer Payments by Category: Number of Transactions 2017-2022
Table 13 M-Commerce by Category: Value 2017-2022
Table 14 M-Commerce by Category: % Value Growth 2017-2022
Table 15 Financial Cards: Number of Cards by Issuer 2017-2021
Table 16 Financial Cards: Number of Cards by Operator 2017-2021
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2017-2021
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2017-2021
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2022-2027
Table 20 Forecast Financial Cards by Category: Number of Accounts 2022-2027
Table 21 Forecast Financial Cards Transactions by Category: Value 2022-2027
Table 22 Forecast Financial Cards by Category: Number of Transactions 2022-2027
Table 23 Forecast Consumer Payments by Category: Value 2022-2027
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2022-2027
Table 25 Forecast M-Commerce by Category: Value 2022-2027
Table 26 Forecast M-Commerce by Category: % Value Growth 2022-2027

DISCLAIMER

Summary 1 Research Sources

Credit Cards in Japan - Category analysis

KEY DATA FINDINGS

Contactless (touch-on) payment increases
Loyalty programmes offer experiences, but some retailers are selective
Retailers/service providers become more selective, and players increase security
Green fintech will become a hotter topic
Government trying to accelerate the move to cashless
New players set to enter the Japanese market
Table 27 Credit Cards: Number of Cards in Circulation 2017-2022
Table 28 Credit Cards Transactions 2017-2022
Table 29 Credit Cards in Circulation: % Growth 2017-2022
Table 30 Credit Cards Transactions: % Growth 2017-2022
Table 31 Commercial Credit Cards: Number of Cards in Circulation 2017-2022
Table 32 Commercial Credit Cards Transactions 2017-2022
Table 33 Commercial Credit Cards in Circulation: % Growth 2017-2022
Table 34 Commercial Credit Cards Transactions: % Growth 2017-2022
Table 35 Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 36 Personal Credit Cards Transactions 2017-2022
Table 37 Personal Credit Cards in Circulation: % Growth 2017-2022
Table 38 Personal Credit Cards Transactions: % Growth 2017-2022
Table 39 Credit Cards: Number of Cards by Issuer 2017-2021
Table 40 Credit Cards: Number of Cards by Operator 2017-2021
Table 41 Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 42 Credit Cards Payment Transaction Value by Operator 2017-2021
Table 43 Commercial Credit Cards: Number of Cards by Issuer 2017-2021
Table 44 Commercial Credit Cards: Number of Cards by Operator 2017-2021
Table 45 Commercial Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 46 Commercial Credit Cards Payment Transaction Value by Operator 2017-2021
Table 47 Personal Credit Cards: Number of Cards by Issuer 2017-2021
Table 48 Personal Credit Cards: Number of Cards by Operator 2017-2021
Table 49 Personal Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 50 Personal Credit Cards Payment Transaction Value by Operator 2017-2021
Table 51 Forecast Credit Cards: Number of Cards in Circulation 2022-2027
Table 52 Forecast Credit Cards Transactions 2022-2027
Table 53 Forecast Credit Cards in Circulation: % Growth 2022-2027
Table 54 Forecast Credit Cards Transactions: % Growth 2022-2027
Table 55 Forecast Commercial Credit Cards: Number of Cards in Circulation 2022-2027
Table 56 Forecast Commercial Credit Cards Transactions 2022-2027
Table 57 Forecast Commercial Credit Cards in Circulation: % Growth 2022-2027
Table 58 Forecast Commercial Credit Cards Transactions: % Growth 2022-2027
Table 59 Forecast Personal Credit Cards: Number of Cards in Circulation 2022-2027
Table 60 Forecast Personal Credit Cards Transactions 2022-2027
Table 61 Forecast Personal Credit Cards in Circulation: % Growth 2022-2027
Table 62 Forecast Personal Credit Cards Transactions: % Growth 2022-2027

Debit Cards in Japan - Category analysis

KEY DATA FINDINGS

Campaigns support the growth of debit cards
Similarity with cash payment resonates well with a cash-heavy market
Brand debit performs better than J-debit
Further strong expansion expected for debit cards
Debit cards may be a good fit for an ageing society
Debit cards to remain a niche, due to competition with other payment types
Table 63 Debit Cards: Number of Cards in Circulation 2017-2022
Table 64 Debit Cards Transactions 2017-2022
Table 65 Debit Cards in Circulation: % Growth 2017-2022
Table 66 Debit Cards Transactions: % Growth 2017-2022
Table 67 Debit Cards: Number of Cards by Issuer 2017-2021
Table 68 Debit Cards: Number of Cards by Operator 2017-2021
Table 69 Debit Cards Payment Transaction Value by Issuer 2017-2021
Table 70 Debit Cards Payment Transaction Value by Operator 2017-2021
Table 71 Forecast Debit Cards: Number of Cards in Circulation 2022-2027
Table 72 Forecast Debit Cards Transactions 2022-2027
Table 73 Forecast Debit Cards in Circulation: % Growth 2022-2027
Table 74 Forecast Debit Cards Transactions: % Growth 2022-2027

Pre-Paid Cards in Japan - Category analysis

KEY DATA FINDINGS

Pre-paid cards can be charged in an increasing number of ways
Pre-paid cards increasingly compete with touch-on (contactless) credit cards
Connectivity issues concern users
New offering aims to spread commuter travel
Pre-paid cards still has potential in terms of digital gift-giving
Mixed reactions towards potential expansion of usage of pre-paid cards
Table 75 Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 76 Pre-paid Cards Transactions 2017-2022
Table 77 Pre-paid Cards in Circulation: % Growth 2017-2022
Table 78 Pre-paid Cards Transactions: % Growth 2017-2022
Table 79 Closed Loop Pre-paid Cards Transactions 2017-2022
Table 80 Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 81 Open Loop Pre-paid Cards Transactions 2017-2022
Table 82 Open Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 83 Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 84 Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 85 Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 86 Pre-paid Cards Transaction Value by Operator 2017-2021
Table 87 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 88 Closed Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 89 Closed Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 90 Closed Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 91 Open Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 92 Open Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 93 Open Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 94 Open Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 95 Forecast Pre-paid Cards: Number of Cards in Circulation 2022-2027
Table 96 Forecast Pre-paid Cards Transactions 2022-2027
Table 97 Forecast Pre-paid Cards in Circulation: % Growth 2022-2027
Table 98 Forecast Pre-paid Cards Transactions: % Growth 2022-2027
Table 99 Forecast Closed Loop Pre-paid Cards Transactions 2022-2027
Table 100 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2022-2027
Table 101 Forecast Open Loop Pre-paid Cards Transactions 2022-2027
Table 102 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2022-2027

Store Cards in Japan - Category analysis

KEY DATA FINDINGS

Store cards continue to target the affluent population
Store cards highly dependent on the performance of department stores
Providing unique services and experiences becoming increasingly important
Recovery of store cards depends on performance of department stores
Growth in the number of wealthy consumers offers some hope, but competition will remain
Personalisation and premium services will create more connections with cardholders
Table 103 Store Cards: Number of Cards in Circulation 2017-2022
Table 104 Store Cards Transactions 2017-2022
Table 105 Store Cards in Circulation: % Growth 2017-2022
Table 106 Store Cards Transactions: % Growth 2017-2022
Table 107 Store Cards: Number of Cards by Issuer 2017-2021
Table 108 Store Cards: Payment Transaction Value by Issuer 2017-2021
Table 109 Forecast Store Cards: Number of Cards in Circulation 2022-2027
Table 110 Forecast Store Cards Transactions 2022-2027
Table 111 Forecast Store Cards in Circulation: % Growth 2022-2027
Table 112 Forecast Store Cards Transactions: % Growth 2022-2027
The following categories and subcategories are included:

Financial Cards and Payments

    • ATM Cards
      • Commercial Charge Cards
      • Personal Charge Cards
      • Commercial Credit Cards
      • Personal Credit Cards
      • Commercial Debit Cards
      • Personal Debit Cards
      • Closed Loop Pre-Paid Cards
      • Open Loop Pre-Paid Cards
    • Store Cards
      • ATM Transactions
          • Commercial Charge Card Transactions
          • Personal Charge Card Transactions
          • Commercial Credit Card Transactions
            • Average Personal Credit Card Balance
            • Average Personal Credit Card Limit
            • Personal Credit Card Utilisation
          • Commercial Debit Card Transactions
          • Personal Debit Card Transactions
          • Closed Loop Pre-Paid Card Transactions
          • Open Loop Pre-Paid Card Transactions
        • Store Card Transactions
      • Commercial Card Payment Transactions
      • Commercial Electronic Direct/ACH Transactions
      • Commercial Paper Payment Transactions
      • Personal Card Payment Transactions
      • Personal Electronic Direct/ACH Transactions
      • Personal Paper Payment Transactions
        • Commercial Electronic Direct/ACH Transactions
        • Personal Electronic Direct/ACH Transactions
          • Commercial Cash Transactions
          • Commercial Other Paper Transactions
          • Personal Cash Transactions
          • Personal Other Paper Transactions
      • Mobile M-Commerce Proximity
      • Mobile M-Commerce Remote
    • Tablet M-Commerce
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