The Cards and Payments Industry in Japan: Emerging Trends and Opportunities to 2019

GlobalData’s 'The Cards and Payments Industry in Japan: Emerging Trends and Opportunities to 2019' report provides detailed analysis of market trends in Japan's cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, payment cards, cash transactions and check payments during the review period (2010–2014).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, and transaction values and volumes during the review period and over the forecast period (2015–2019). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies, recent changes in regulatory structure and profiles of card issuers operating in the country.

Scope

• This report provides a comprehensive analysis of Japan's cards and payments industry.

• It provides current values for Japan's cards and payments industry for 2014, and forecast figures to 2019.

• It details the different demographic, economic, infrastructural and business drivers affecting Japan's cards and payments industry.

• It outlines the current regulatory framework in the industry.

• It details marketing strategies used by various banks and other institutions.

• It profiles major card issuers in Japan's cards and payments industry.

Key Highlights

What is the Japanese government implementing to encourage electronic payments? Which initiative seeks to address ATM compatibility for tourists? What plans from the Ministry of Economy, Trade and Industry will further benefit foreign consumers?

Which three Japanese banks are taking up the challenge of compatibility? Which key parts of the plan are set to be completed by 2020?

What extra measures is the Japanese government planning to carry out to continue encouraging the inflow of visitors?

Reasons to buy

• Make strategic business decisions, using top-level historic and forecast market data, related to Japan's cards and payments industry and each market within it.

• Understand the key market trends and growth opportunities in Japan's cards and payments industry.

• Assess the competitive dynamics in Japan's cards and payments industry.

• Gain insights into marketing strategies used for various card types in Japan.

• Gain insights into key regulations governing Japan's cards and payments industry.

Companies mentioned

Sumitomo Mitsui Financial Group

Sumitomo Mitsui Card Company

Credit Saison

Aeon Financial Service Company Ltd

Mitsubishi UFJ Nicos

Japan Post Bank

J-Debit

JCB

American Express

Visa

MasterCard

Table of Contents

1 Definitions and Methodology

1.1 Definitions

1.2 Methodology

2 Key Facts and Events

3 Executive Summary

4 Payment Instruments

4.1 Current Payment Environment

5 E-Commerce

5.1 E-Commerce Market Analysis

6 Alternative Payments

6.1 Alternative Payment Instruments

6.1.1 Osaifu-Keitai Wallet

6.1.2 QUICPay

6.1.3 Paidy

6.1.4 Boku

6.1.5 Square

6.1.6 PayPal

6.1.7 Bitcheck

6.1.8 Line Pay

6.1.9 MasterPass

7 Regulations in the Cards and Payments Industry

7.1 Regulatory Framework

7.1.1 Regulations applicable to issuers of prepaid payment instruments

7.1.2 Regulations on e-money

7.2 Anti Money Laundering Law

7.3 Foreign Direct Investment (FDI) Regulations

8 Analysis of Cards and Payments Industry Drivers

8.1 Demographic Drivers

8.2 Economic Drivers

8.3 Infrastructure Drivers

8.4 Business Drivers

9 Market Segmentation

9.1 Market Segmentation and Targeting

9.1.1 Consumer cards

9.1.2 Commercial cards

10 Payment Cards

10.1 Payment Cards Analysis

10.1.1 Volume and value of payment card transactions by type

10.1.2 Personal vs commercial cards

11 Debit Cards

11.1 Debit Card Market Analysis

11.1.1 Debit card transaction volumes and values by channel

11.1.2 Debit card scheme and issuer shares in terms of transaction value

11.1.3 Debit cards comparison

12 Credit Cards

12.1 Credit Card Market Analysis

12.1.1 Credit card transaction volumes and values by channel

12.1.2 Credit card scheme and issuer shares in terms of transaction value

12.1.3 Credit cards comparison

13 Charge Cards

13.1 Charge Card Market Analysis

13.1.1 Charge card transaction volumes and values by channel

13.1.2 Charge card scheme shares in terms of transaction value

14 Commercial Cards

14.1 Commercial Card Market Analysis

14.1.1 Commercial cards comparison

15 Card Issuers

15.1 Sumitomo Mitsui Financial Group

15.2 Credit Saison

15.3 Aeon Financial Service Company Ltd

15.4 Mitsubishi UFJ Nicos

15.5 Japan Post Bank

16 Prepaid Cards

16.1 Prepaid Card Market Analysis

16.1.1 Prepaid cards comparison

17 Appendix

17.1 Tables

17.2 Contact GlobalData

17.3 About GlobalData

17.4 GlobalData’s Services

17.5 Disclaimer

List of Tables

Table 1: Key Definitions

Table 2: Annual Average Exchange Rate

Table 3: Japan – Key Facts, 2014

Table 4: Regional Benchmarking of Japan Payment Cards, 2014

Table 5: Japan – Mode of Entry of Foreign Banks

Table 6: Cards for High-Income Consumers, 2016

Table 7: Cards for Travelers, 2016

Table 8: Cards for Students and Young Population, 2016

Table 9: Shopping Cards, 2016

Table 10: Commercial Cards Comparison and Key Features, 2016

Table 11: Japan – Debit Cards Comparison and Key Features, 2016

Table 12: Japan – Gold Credit Cards Comparison and Key Features, 2016

Table 13: Japan – Platinum Credit Cards Comparison and Key Features, 2016

Table 14: Japan – Commercial Cards Comparison and Key Features, 2016

Table 15: Japan – Prepaid Cards Comparison and Key Features, 2016

Table 16: Japan – Payment Instrument Transaction Values (JPY Trillion), 2010–2014

Table 17: Japan – Payment Instrument Transaction Values (US$ Billion), 2010–2014

Table 18: Japan – Payment Instrument Transaction Volumes (Million), 2010–2014

Table 19: Japan – Number of Payment Cards in Circulation by Type (Million), 2010–2019

Table 20: Japan – Volume of Payment Card Transactions by Type (Million), 2010–2019

Table 21: Japan – Value of Payment Card Transactions by Type (JPY Trillion), 2010–2019

Table 22: Japan – Value of Payment Card Transactions by Type (US$ Billion), 2010–2019

Table 23: Japan – Personal and Commercial Card Transaction Volumes (Million), 2010–2019

Table 24: Japan – Personal and Commercial Card Transaction Values (JPY Trillion), 2010–2019

Table 25: Japan – Personal and Commercial Card Transaction Values (US$ Billion), 2010–2019

Table 26: Japan – Number of Debit Cards in Circulation (Million), 2010–2019

Table 27: Japan – Debit Card Transaction Volumes and Frequency by Channel, 2010–2019

Table 28: Japan – Debit Card Total and Average Transaction Value by Channel, 2010–2019

Table 29: Japan – Debit Card Total and Average Transaction Value by Channel, 2010–2019

Table 30: Japan – Number of Debit Cards in Circulation By Scheme (Million), 2010–2014

Table 31: Japan – Debit Card Transaction Values By Scheme (JPY Billion), 2010–2014

Table 32: Japan – Debit Card Transaction Values By Scheme (US$ Billion), 2010–2014

Table 33: Japan – Debit Card Transaction Values by Issuer (JPY Trillion), 2010–2014

Table 34: Japan – Debit Card Transaction Values by Issuer (US$ Billion), 2010–2014

Table 35: Japan – Number of Credit Cards in Circulation (Million), 2010–2019

Table 36: Japan – Credit Card Transaction Volumes and Frequency by Channel, 2010–2019

Table 37: Japan – Credit Card Total and Average Transaction Values by Channel, 2010–2019

Table 38: Japan – Credit Card Total and Average Transaction Values by Channel, 2010–2019

Table 39: Japan – Number of Credit Cards in Circulation By Scheme (Million), 2010–2014

Table 40: Japan – Credit Card Transaction Values By Scheme (JPY Trillion), 2010–2014

Table 41: Japan – Credit Card Transaction Values By Scheme (US$ Billion), 2010–2014

Table 42: Japan – Pay Later Card Transaction Values By Issuer (JPY Trillion), 2010–2014

Table 43: Japan – Pay Later Card Transaction Values By Issuer (US$ Billion), 2010–2014

Table 44: Japan – Credit Card Balances Outstanding By Issuer (JPY Billion), 2010–2014

Table 45: Japan – Credit Card Balances Outstanding By Issuer (US$ Billion), 2010–2014

Table 46: Japan – Number of Charge Cards in Circulation (Million), 2010–2019

Table 47: Japan – Charge Card Transaction Volumes and Frequency by Channel, 2010–2019

Table 48: Japan – Charge Card Total and Average Transaction Values by Channel, 2010–2019

Table 49: Japan – Charge Card Total and Average Transaction Values by Channel, 2010–2019

Table 50: Japan – Number of Charge Cards in Circulation By Scheme (Thousand), 2010–2014

Table 51: Japan – Charge Card Transaction Values By Scheme (JPY Million), 2010–2014

Table 52: Japan – Charge Card Transaction Values By Scheme (US$ Million), 2010–2014

Table 53: Japan – Number of Commercial Cards in Circulation (Million), 2010–2019

Table 54: Japan – Commercial Card Transaction Values (JPY Trillion), 2010–2019

Table 55: Japan – Commercial Card Transaction Values (US$ Billion), 2010–2019

Table 56: Japan – Number of Prepaid Cards in Circulation (Million), 2010–2019

Table 57: Japan – Prepaid Card Transaction Values (JPY Trillion), 2010–2019

Table 58: Japan – Prepaid Card Transaction Values (US$ Billion), 2010–2019

List of Figures

Figure 1: Japan – Payment Instrument Shares by Transaction Value (%), 2010 and 2014

Figure 2: Japan – Payment Instrument Shares by Transaction Volume (%), 2010 and 2014

Figure 3: Japan – E-Commerce Value (US$ Billion) and Payment Types (%)

Figure 4: Japan – Total Population and Structure

Figure 5: Japan – Economic Indicators

Figure 6: Japan – Number of ATMs and POS Terminals

Figure 7: Japan – Household Final Consumption Expenditure, 2010–2019

Figure 8: Japan – Segmentation by Card Type

Figure 9: Japan – Growth in Payment Card Transaction Values and Number of Cards in Circulation by Type, 2010–2019

Figure 10: Japan – Volume and Value of Payment Card Transactions by Type (%), 2010–2019

Figure 11: Japan – Personal and Commercial Card, Transaction Volume and Value (%), 2010–2019

Figure 12: Japan – Growth in Debit Card Transaction Values and Number of Debit Cards in Circulation, 2010–2019

Figure 13: Japan – Debit Card Transaction Volumes and Values by Channel, 2010–2019

Figure 14: Japan – Debit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014

Figure 15: Japan – Growth in Credit Card Transaction Values and Number of Credit Cards in Circulation, 2010–2019

Figure 16: Japan – Credit Card Transaction Volumes and Values by Channel, 2010–2019

Figure 17: Japan – Credit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014

Figure 18: Japan – Growth in Charge Card Transaction Values and Number of Charge Cards in Circulation, 2010–2019

Figure 19: Japan – Charge Card Transaction Volumes and Values by Channel, 2010–2019

Figure 20: Japan – Charge Card Scheme Shares in Terms of Transaction Value (%), 2014

Figure 21: Japan – Number of Commercial Cards in Circulation and Transaction Values, 2010–2019

Figure 22: Japan – Number of Prepaid Cards in Circulation and Transaction Values, 2010–2019

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