Aarkstore Enterprise: Switzerlands Cards and Payments Industry

Aarkstore Enterprise
Website : http://www.aarkstore.com/

25
th
September 2014
Switzerlands Cards and Payments Industry

Synopsis
The report provides top-level market analysis, information and insights into Switzerlands cards and payments
industry, including:

Current and forecast values for each category of Switzerlands cards and payments industry, including debit cards,
credit cards and prepaid cards
Comprehensive analysis of the industrys market attractiveness and future growth areas
Analysis of various market drivers and regulations governing Switzerlands cards and payments industry
Detailed analysis of the marketing strategies adopted for selling debit, credit, charge and prepaid cards used by
banks and other institutions in the market
Comprehensive analysis of consumer attitudes and buying preferences for cards
The competitive landscape of Switzerlands cards and payments industry

Summary
The Swiss payment cards grew in value and volume terms during the review period (20092013). In terms of
transaction value, payment cards grew from CHF111.3 billion (US$102.3 billion) in 2009 to CHF126.7 billion
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(US$136.8 billion) in 2013, at a review-period compound annual growth rate (CAGR) of 3.31%, and is anticipated
to post a forecast-period (20142018) CAGR of 2.85% to reach to CHF146.3 billion (US$161.6 billion) in 2018. In
terms of the number of cards in circulation, payment cards grew from 16.6 million in 2009 to 20.7 million in 2013,
at a CAGR of 5.63%, and are anticipated to post a forecast-period CAGR of 3.65% to reach 24.9 million in 2018.
Several mobile payments (m-payments) solutions were promoted in the country during the review period. Some
charge amounts to mobile phone bills, while others are linked to bank accounts or credit cards. Post Finance offers
an m-payment solution that is connected to the customers account. Currently, m-payments are used at parking
facilities, vending machines and mountain cabs where there is a mobile phone reception. M-payments grew
significantly during the review period and are anticipated to provide scope for card-based payments over the
forecast period.
In terms of transaction value, both the credit and charge card markets recorded CAGRs of 4.84% and 4.24%
respectively. In 2013, the value of credit card transactions reported at point of sale (POS) terminals was
significantly greater than that reported at ATMs, representing 94.4% of the total credit cards transaction value.
Similarly, the charge cards transaction value reported at POS terminals was greater than that reported at ATMs,
representing 95.1% of the total charge cards transaction value.
The increasing use of credit and charge cards at POS terminals for purchases, supported by banks offering bonus
programs, reward points, cash back offers and discounts at partner retailers, will further increase card transaction
values over the forecast period.
With growth in the payment cards instrument type, both in terms of the number of cards and transaction value,
card fraud increased marginally at a CAGR of 0.59% during the review period, from CHF94.4 million (US$86.8
million) in 2009 to CHF96.7 million (US$104.3 million) in 2013. Banks and Swiss authorities carry out periodic
card fraud awareness campaigns and preventive measures to safeguard against card misuse. Banks also list dos
and donts on their websites and at ATMs to reduce card fraud.

Scope
This report provides a comprehensive analysis of Switzerlands cards and payments industry.
It provides current values for Switzerlands cards and payments industry for 2013, and forecast figures for 2018.
It details the different economic, infrastructural and business drivers affecting Switzerlands cards and payments
industry.
It outlines the current regulatory framework in the industry.
It details the marketing strategies used by various banks and other institutions.
It profiles the major banks in Switzerlands cards and payments industry.



Reasons To Buy
Make strategic business decisions using top-level historic and forecast market data related to Switzerlands cards
and payments industry and each market within it.
Understand the key market trends and growth opportunities within Switzerlands cards and payments industry.
Assess the competitive dynamics in Switzerlands cards and payments industry.
Gain insights in to the marketing strategies used for selling various card types in Switzerland.
Gain insights into key regulations governing Switzerlands cards and payments industry.

Key Highlights
The Swiss payment cards grew in value and volume terms during the review period (20092013). In terms of
transaction value, payment cards grew from CHF111.3 billion (US$102.3 billion) in 2009 to CHF126.7 billion
(US$136.8 billion) in 2013, at a review-period compound annual growth rate (CAGR) of 3.31%, and is anticipated
to post a forecast-period (20142018) CAGR of 2.85% to reach to CHF146.3 billion (US$161.6 billion) in 2018. In
terms of the number of cards in circulation, payment cards grew from 16.6 million in 2009 to 20.7 million in 2013,
at a CAGR of 5.63%, and are anticipated to post a forecast-period CAGR of 3.65% to reach 24.9 million in 2018.
Several mobile payments (m-payments) solutions were promoted in the country during the review period. Some
charge amounts to mobile phone bills, while others are linked to bank accounts or credit cards. Post Finance offers
an m-payment solution that is connected to the customers account. Currently, m-payments are used at parking
facilities, vending machines and mountain cabs where there is a mobile phone reception. M-payments grew
significantly during the review period and are anticipated to provide scope for card-based payments over the
forecast period.
In terms of transaction value, both the credit and charge card markets recorded CAGRs of 4.84% and 4.24%
respectively. In 2013, the value of credit card transactions reported at point of sale (POS) terminals was
significantly greater than that reported at ATMs, representing 94.4% of the total credit cards transaction value.
Similarly, the charge cards transaction value reported at POS terminals was greater than that reported at ATMs,
representing 95.1% of the total charge cards transaction value.
The increasing use of credit and charge cards at POS terminals for purchases, supported by banks offering bonus
programs, reward points, cash back offers and discounts at partner retailers, will further increase card transaction
values over the forecast period.



With growth in the payment cards instrument type, both in terms of the number of cards and transaction value,
card fraud increased marginally at a CAGR of 0.59% during the review period, from CHF94.4 million (US$86.8
million) in 2009 to CHF96.7 million (US$104.3 million) in 2013. Banks and Swiss authorities carry out periodic
card fraud awareness campaigns and preventive measures to safeguard against card misuse. Banks also list dos
and donts on their websites and at ATMs to reduce card fraud.

Tables Of Contents
1 Executive Summary
2 Analysis of Market Environment, Key Trends and Drivers
2.1 Payment Infrastructure and Emerging Technologies
2.1.1 Growing number of ATMs
2.1.2 Growing number of POS terminals
2.1.3 Rising internet penetration
2.1.4 Growing mobile payments
2.2 Business Drivers
2.2.1 Growth in retail industry
2.2.2 Growth in e-commerce
2.3 Economic Drivers
2.3.1 GDP growth
2.3.2 GDP per capita
2.3.3 Inflation
3 Cards and Payments Industry Share Analysis
3.1 Industry Overview
3.1.1 Credit transfer
3.1.2 Payment cards
3.1.3 Direct debits



3.1.4 Cash transactions
3.1.5 Check payments
4 Regulatory Framework and Card Fraud Statistics
4.1 Regulatory Framework
4.1.1 Overview
4.2 SEPA Cards Framework
4.2.1 Anti-money laundering and counter terrorism financing (AML/CTF)
4.2.2 Foreign direct investment (FDI) regulations
4.3 Card Fraud Statistics
4.3.1 Card-not-present fraud
4.3.2 Counterfeit card fraud
4.3.3 Lost or stolen card fraud
4.3.4 Card ID theft
5 Emerging Consumer Attitudes and Trends
5.1 Industry Segmentation and Targeting
5.1.1 Retail segment
5.1.2 Corporate segment
5.2 Travel and Tourism Spending
5.2.1 Outbound tourist trips
5.2.2 Outbound tourist spending
6 Analysis of Payment Cards and Growth Prospects
6.1 Payment Cards Share Analysis by Card Market
6.2 Size of and Forecast for the Card Market
6.2.1 Analysis by number of cards in circulation



6.2.2 Analysis by transaction value
7 Analysis of Credit Cards Market and Growth Prospects
7.1 Overall Market Size and Forecast
7.1.3 Analysis by transaction volume
7.2 Transaction Share Analysis by Channel
7.3 Personal Credit Cards Segment Size and Forecast
7.4 Commercial Credit Cards Segment Size and Forecast
7.5 Competitive Landscape
7.5.1 Scheme share analysis
7.5.2 Issuer share analysis
8 Analysis of Debit Cards Market and Growth Prospects



8.3.2 Issuer share analysis
9 Analysis of Charge Cards Market and Growth Prospects
9.3 Personal Charge Cards Segment Size and Forecast
9.4 Commercial Charge Cards Segment Size and Forecast



10 Analysis of Prepaid Cards Market and Growth Prospects
10.2 Open-Loop Prepaid Cards Segment Size and Forecast
10.3 Closed-Loop Prepaid Cards Segment Size and Forecast
11 Merchant Acquiring
12 Company Profiles of Card Issuers
12.1 Post Finance
12.1.1 Key financials
12.1.2 Card portfolio
12.1.3 Strategies
12.2 Union Bank of Switzerland
12.2.3 Strategies
12.3 Raiffeisen Switzerland



12.3.3 Strategies
12.4 Credit Suisse
12.4.3 Strategies
12.5 Cornr Bank
12.5.3 Strategies
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetrics Services
13.5 Definitions
13.6 Disclaimer
List Of Tables
Table 1: Switzerland Payment Instruments (CHF Billion), 20092013
Table 2: Market Entry Strategies of Foreign Banks
Table 3: Switzerland Card Fraud Value (CHF Million), 20092013
Table 4: Switzerland Cards for High-Income Customers, 2014
Table 5: Switzerland Cards for Students and Young Population, 2014
Table 6: Switzerland Cards for Travelers, 2014
Table 7: Switzerland Cards Offered for Corporate Customers, 2014



Table 8: Switzerland Payment Cards Instrument by Card Market (Thousand), 20092018
Table 9: Switzerland Payment Cards Instrument Size by Volume of Cards (Million), 20092018
Table 10: Switzerland Payment Cards Instrument Size by Transaction Value (CHF Billion), 20092018
Table 11: Switzerland Payment Cards Instrument Size by Transaction Value (US$ Billion), 20092018
Table 12: Switzerland Credit Cards Market Size by Volume of Cards (Million), 20092018
Table 13: Switzerland Credit Cards Market Size by Transaction Value (CHF Billion), 20092018
Table 14: Switzerland Credit Cards Market Size by Transaction Value (US$ Billion), 20092018
Table 15: Switzerland Credit Cards Market Size by Transaction Volume (Million), 20092018
Table 16: Switzerland Personal Credit Cards Segment Size by Volume of Cards (Million), 20092018
Table 17: Switzerland Personal Credit Cards Segment Size by Transaction Value (CHF Billion), 20092018
Table 18: Switzerland Personal Credit Cards Segment Size by Transaction Value (US$ Billion), 20092018
Table 19: Switzerland Personal Credit Cards Segment Size by Transaction Volume (Million), 20092018
Table 20: Switzerland Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 20092018
Table 21: Switzerland Commercial Credit Cards Segment Size by Transaction Value (CHF Million), 20092018
Table 22: Switzerland Commercial Credit Cards Segment Size by Transaction Value (US$ Million), 20092018
Table 23: Switzerland Commercial Credit Cards Segment Size by Transaction Volume (Million), 20092018
Table 24: Switzerland Debit Cards Market Size by Volume of Cards (Million), 20092018
Table 25: Switzerland Debit Cards Market Size by Transaction Value (CHF Billion), 20092018
Table 26: Switzerland Debit Cards Market Size by Transaction Value (US$ Billion), 20092018
Table 27: Switzerland Debit Cards Market Size by Transaction Volume (Million), 20092018
Table 28: Switzerland Charge Cards Market Size by Volume of Cards (Thousand), 20092018
Table 29: Switzerland Charge Cards Market Size by Transaction Value (CHF Billion), 20092018
Table 30: Switzerland Charge Cards Market Size by Transaction Value (US$ Billion), 20092018
Table 31: Switzerland Charge Cards Market Size by Transaction Volume (Million), 20092018



Table 32: Switzerland Personal Charge Cards Segment Size by Volume of Cards (Thousand), 20092018
Table 33: Switzerland Personal Charge Cards Segment Size by Transaction Value (CHF Million), 20092018
Table 34: Switzerland Personal Charge Cards Segment Size by Transaction Value (US$ Million), 20092018
Table 35: Switzerland Personal Charge Cards Segment Size by Transaction Volume (Million), 20092018
Table 36: Switzerland Commercial Charge Cards Segment Size by Volume of Cards (Thousand), 20092018
Table 37: Switzerland Commercial Charge Cards Segment Size by Transaction Value (CHF Million), 20092018
Table 38: Switzerland Commercial Charge Cards Segment Size by Transaction Value (US$ Million), 20092018
Table 39: Switzerland Commercial Charge Cards Segment Size by Transaction Volume (Million), 20092018
Table 40: Switzerland Prepaid Cards Market Size by Volume of Cards (Million), 20092018
Table 41: Switzerland Prepaid Cards Market Size by Transaction Value (CHF Million), 20092018
Table 42: Switzerland Prepaid Cards Market Size by Transaction Value (US$ Million), 20092018
Table 43: Switzerland Open-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 20092018
Table 44: Switzerland Open-Loop Prepaid Cards Segment Size by Transaction Value (CHF Million), 20092018
Table 45: Switzerland Open-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 20092018
Table 46: Switzerland Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 20092018
Table 47: Switzerland Closed-Loop Prepaid Cards Segment Size by Transaction Value (CHF Million), 20092018
Table 48: Switzerland Closed-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 20092018
Table 49: Post Finance Key Financial Indicators (CHF Million), Year Ended December, 20122013
Table 50: Post Finance Card Portfolio and Key Features, 2014
Table 51: UBS Key Financial Indicators (CHF Million), Year Ended December, 20122013
Table 52: UBS Card Portfolio and Key Features
Table 53: Raiffeisen Switzerland Key Financial Indicators (CHF Million), Year Ended December 20122013
Table 54: Raiffeisen Switzerland Card Portfolio and Key Features
Table 55: Credit Suisse Key Financial Indicators (CHF Million), Year Ended December, 20122013



Table 56: Credit Suisse Card Portfolio and Key Features
Table 57: Cornr Bank Key Financial Indicators (CHF Million), Year Ended December, 20122013
Table 58: Cornr Bank Card Portfolio and Key Features
Table 59: Key Definitions

List Of Figures
Figure 1: Benchmarking the Swiss Payment Cards Instrument Against Other Regional Markets
Figure 2: Switzerland Growth of Various Card Markets in Terms of Number of Cards in Circulation (%), 2009
2018
Figure 3: Switzerland ATM Volume and Penetration, 20092018
Figure 4: Switzerland POS Volume and Penetration, 20092018
Figure 5: Switzerland Internet Penetration (Internet Users per 100 Inhabitants), 20092018
Figure 6: Switzerland Value of M-Payments (CHF Million), 20092018
Figure 7: Switzerland Retail Sales Value (CHF Billion), 20092018
Figure 8: Switzerland E-Commerce Value (CHF Billion), 20092018
Figure 9: Switzerland Real GDP Growth (%), 20092018
Figure 10: Switzerland Nominal GDP Per Capita (US$), 20092018
Figure 11: Switzerland Inflation (Consumer Price Inflation) Rate (%), 20092018
Figure 12: Switzerland Shares of Payment Instruments (%), 2009 and 2013
Figure 13: Switzerland Card Fraud Transaction Values by Type of Fraud (%), 2009 and 2013
Figure 14: Switzerland Card-Not-Present Fraud Value (CHF Million), 20092013
Figure 15: Switzerland Counterfeit Card Fraud Value (CHF Million), 20092013



Figure 16: Switzerland Lost or Stolen Card Fraud Value (CHF Million), 20092013
Figure 17: Switzerland Card ID Theft Value (CHF Million), 20092013
Figure 18: Switzerland Cards and Payments Industry Segmentation by Card Type
Figure 19: Switzerland Volume of Outbound Tourist Trips (Thousand), 20092018
Figure 20: Switzerland Outbound Tourist Spending (CHF Billion), 20092018
Figure 21: Switzerland Payment Cards Instrument by Card Market (%), 20092018
Figure 22: Switzerland Payment Cards Instrument Size by Volume of Cards (Million), 20092018
Figure 23: Switzerland Payment Cards Instrument Size by Transaction Value (CHF Billion), 20092018
Figure 24: Switzerland Credit Cards Market Volume and Penetration, 20092018
Figure 25: Switzerland Credit Cards Market Size by Volume of Cards (Million), 20092018
Figure 26: Switzerland Credit Cards Market Size by Transaction Value (CHF Billion), 20092018
Figure 27: Switzerland Credit Cards Market Size by Transaction Volume (Million), 20092018
Figure 28: Switzerland Credit Cards Market Transaction Value Share Analysis by Channel (CHF Billion), 2009
2018
Figure 29: Switzerland Credit Cards Market Transaction Volume Share Analysis by Channel (Million), 20092018
Figure 30: Switzerland Personal Credit Cards Segment Size by Volume of Cards (Million), 20092018
Figure 31: Switzerland Personal Credit Cards Segment Size by Transaction Value (CHF Billion), 20092018
Figure 32: Switzerland Personal Credit Cards Segment Size by Transaction Volume (Million), 20092018
Figure 33: Switzerland Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 20092018
Figure 34: Switzerland Commercial Credit Cards Segment Size by Transaction Value (CHF Million), 20092018
Figure 35: Switzerland Commercial Credit Cards Segment Size by Transaction Volume (Million), 20092018
Figure 36: Switzerland Credit Cards Market Share by Scheme in Terms of Transaction Value (%), 2013
Figure 37: Switzerland Credit Cards Market Share by Issuer in Terms of Transaction Value (%), 2013
Figure 38: Switzerland Debit Cards Market Volume and Penetration, 20092018
Figure 39: Switzerland Debit Cards Market Size by Volume of Cards (Million), 20092018



Figure 40: Switzerland Debit Cards Market Size by Transaction Value (CHF Billion), 20092018
Figure 41: Switzerland Debit Cards Market Size by Transaction Volume (Million), 20092018
Figure 42: Switzerland Debit Cards Market Transaction Value Share Analysis by Channel (CHF Billion), 2009
2018
Figure 43: Switzerland Debit Cards Market Transaction Volume Share Analysis by Channel (Million), 20092018
Figure 44: Switzerland Debit Cards Market Share by Scheme in Terms of Transaction Value (%), 2013
Figure 45: Switzerland Debit Cards Market Share by Issuer in Terms of Transaction Value (%), 2013
Figure 46: Switzerland Charge Cards Market Volume and Penetration, 20092018
Figure 47: Switzerland Charge Cards Market Size by Volume of Cards (Thousand), 20092018
Figure 48: Switzerland Charge Cards Market Size by Transaction Value (CHF Billion), 20092018
Figure 49: Switzerland Charge Cards Market Size by Transaction Volume (Million), 20092018
Figure 50: Switzerland Charge Cards Market Transaction Value Share Analysis by Channel (CHF Million), 2009
2018
Figure 51: Switzerland Charge Cards Market Transaction Volume Share Analysis by Channel (Thousand), 2009
2018
Figure 52: Switzerland Personal Charge Cards Segment Size by Volume of Cards (Thousand), 20092018
Figure 53: Switzerland Personal Charge Cards Segment Size by Transaction Value (CHF Million), 20092018
Figure 54: Switzerland Personal Charge Cards Segment Size by Transaction Volume (Million), 20092018
Figure 55: Switzerland Commercial Charge Cards Segment Size by Volume of Cards (Thousand), 20092018
Figure 56: Switzerland Commercial Charge Cards Segment Size by Transaction Value (CHF Million), 20092018
Figure 57: Switzerland Commercial Charge Cards Segment Size by Transaction Volume (Million), 20092018
Figure 58: Switzerland Charge Card Market Shares by Scheme in Terms of Transaction Value (%), 2013
Figure 59: Switzerland Prepaid Cards Market Volume and Penetration, 20092018
Figure 60: Switzerland Prepaid Cards Market Size by Volume of Cards (Million), 20092018
Figure 61: Switzerland Prepaid Cards Market Size by Transaction Value (CHF Million), 20092018



Figure 62: Switzerland Open-Loop Prepaid Cards Segment Size by Volume of Cards (Thousand), 20092018
Figure 63: Switzerland Open-Loop Prepaid Cards Segment Size by Transaction Value (CHF Million), 20092018
Figure 64: Switzerland Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 20092018
Figure 65: Switzerland Closed-Loop Prepaid Cards Segment Size by Transaction Value (CHF Million), 20092018
Figure 66: Switzerland Share of Merchant Acquirers in Terms of Transaction Volume at POS Terminals, 2013

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