Financial Cards and Payments in the Czech Republic

Financial Cards and Payments in the Czech Republic - Industry Overview

EXECUTIVE SUMMARY

Rising incomes and greater merchant card acceptance ensure continued growth

Apple Pay launches in the Czech Republic, affecting the payments space

Contactless technology strongly affects debit and pre-paid cards

The rise of fintechs and Apple Pay will affect the competitive environment

Debit and pre-paid cards expected to be boosted by funding for contactless terminals

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 the Czech Republic - Category analysis

HEADLINES

PROSPECTS

Charge cards dominated by commercial cards but remains a niche

Growth will be limited by changes in card conditions and aversion to card lending

Growth of personal charge cards unlikely as American Express has no partner

COMPETITIVE LANDSCAPE

CCS Ceska Spolecnost Pro Platebni Karty offers various benefits

Saturation leads to increasing competition for commercial clients

American Express has a limited presence as it has no partner in the country

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 Charge Cards: Number of Cards by Issuer 2014-2018
Table 36 Charge Cards: Number of Cards by Operator 2014-2018
Table 37 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 38 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 39 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 40 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 41 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 42 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 43 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 44 Forecast Charge Cards Transactions 2019-2024
Table 45 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 46 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 47 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 48 Forecast Commercial Charge Cards Transactions 2019-2024
Table 49 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 50 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024

Credit Cards in the Czech Republic - Category analysis

HEADLINES

PROSPECTS

Decline in card numbers and value growth indicate higher spending per card

Cardholders become more responsible, making the most of interest-free periods

Debt aversion set to limit growth, but there remain opportunities

COMPETITIVE LANDSCAPE

Home Credit remains the leading issuer, providing the widest variety of credit cards

Few co-branded cards and no recent new launches

CATEGORY DATA

Table 51 Credit Cards: Number of Cards in Circulation 2014-2019
Table 52 Credit Cards Transactions 2014-2019
Table 53 Credit Cards in Circulation: % Growth 2014-2019
Table 54 Credit Cards Transactions: % Growth 2014-2019
Table 55 Commercial Credit Cards: Number of Cards in Circulation 2014-2019
Table 56 Commercial Credit Cards Transactions 2014-2019
Table 57 Commercial Credit Cards in Circulation: % Growth 2014-2019
Table 58 Commercial Credit Cards Transactions: % Growth 2014-2019
Table 59 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 60 Personal Credit Cards Transactions 2014-2019
Table 61 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 62 Personal Credit Cards Transactions: % Growth 2014-2019
Table 63 Credit Cards: Number of Cards by Issuer 2014-2018
Table 64 Credit Cards: Number of Cards by Operator 2014-2018
Table 65 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 66 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 67 Commercial Credit Cards: Number of Cards by Issuer 2014-2018
Table 68 Commercial Credit Cards: Number of Cards by Operator 2014-2018
Table 69 Commercial Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 70 Commercial Credit Cards Payment Transaction Value by Operator 2014-2018
Table 71 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 72 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 73 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 74 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 75 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 76 Forecast Credit Cards Transactions 2019-2024
Table 77 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 78 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 79 Forecast Commercial Credit Cards: Number of Cards in Circulation 2019-2024
Table 80 Forecast Commercial Credit Cards Transactions 2019-2024
Table 81 Forecast Commercial Credit Cards in Circulation: % Growth 2019-2024
Table 82 Forecast Commercial Credit Cards Transactions: % Growth 2019-2024
Table 83 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 84 Forecast Personal Credit Cards Transactions 2019-2024
Table 85 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 86 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in the Czech Republic - Category analysis

HEADLINES

PROSPECTS

Contactless debit cards and income growth stimulate spending

Launch of Apple Pay in February 2019 boosts the opportunities for growth

Average spend per card continues growing, with a rising share of online payments

COMPETITIVE LANDSCAPE

Mastercard remains the leading operator of debit cards, ahead of Visa

Ceska Sporitelna remains the leading issuer by improving services

Mobile banking will affect debit cards over the forecast period

CATEGORY DATA

Table 87 Debit Cards: Number of Cards in Circulation 2014-2019
Table 88 Debit Cards Transactions 2014-2019
Table 89 Debit Cards in Circulation: % Growth 2014-2019
Table 90 Debit Cards Transactions: % Growth 2014-2019
Table 91 Debit Cards: Number of Cards by Issuer 2014-2018
Table 92 Debit Cards: Number of Cards by Operator 2014-2018
Table 93 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 94 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 95 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 96 Forecast Debit Cards Transactions 2019-2024
Table 97 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 98 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in the Czech Republic - Category analysis

HEADLINES

PROSPECTS

Pre-paid cards most dynamic within payment cards thanks to meal cards

Digitalisation of meal cards boosts open loop pre-paid cards

Debit and credit card acceptance on public transport hampers growth

COMPETITIVE LANDSCAPE

Competition revolves around the digitalisation of benefits and Apple Pay

Revolut fills the gap in general purpose reloadable cards

Little benefit seen in open loop pre-paid cards, other than meal cards

CATEGORY DATA

Table 99 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 100 Pre-paid Cards Transactions 2014-2019
Table 101 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 102 Pre-paid Cards Transactions: % Growth 2014-2019
Table 103 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 105 Open Loop Pre-paid Cards Transactions 2014-2019
Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 107 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 108 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 109 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 110 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 120 Forecast Pre-paid Cards Transactions 2019-2024
Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 122 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 125 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in the Czech Republic - Category analysis

PROSPECTS

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