The Cards and Payments Industry in Switzerland: Emerging Trends and Opportunities to 2020

GlobalData’s 'The Cards and Payments Industry in Switzerland: Emerging Trends and Opportunities to 2020' report provides detailed analysis of market trends in the Swiss cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including direct debits, check payments, payment cards and credit transfers during the review period (2011–2015).

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 (2016–2020). It also offers information on the country's competitive landscape, including the 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 details of regulatory policy and recent changes in the regulatory structure.

Scope

• This report provides a comprehensive analysis of the Swiss cards and payments industry.

• It provides current values for the Swiss cards and payments industry for 2015, and forecast figures to 2020.

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

• It outlines the current regulatory framework in the industry.

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

Key Highlights

Which regulatory body lowered the interchange fees of Visa and MasterCard credit cards? Under the new regulation what is the cap for the interchange fee? How does this reduction compare to the original fee? What is the further reduction in this fee planned from August 1, 2017? How much is this reduction in fees expected to save merchants annually? What is the anticipated impact on the profitability of the card issuers up to 2020? What is likely to result from this impact and how will it affect consumers in Switzerland?

What is driving the uptake of alternative payments among Swiss consumers? Which provider launched its mobile payment (m-payment) service in July 2016? Which prominent retailers in Switzerland are accepting this payment solution? Which electronic payment transaction company is expanding the scope of its service? What will this expansion enable users to do? Which providers have launched their respective digital wallets?

What was the total number of contactless cards in 2015? What is this total expected to reach by 2020? Which banks and card issuers offer payment cards with contactless functionality in Switzerland?

Reasons to buy

• Make strategic business decisions using top-level historic and forecast market data related to the Swiss cards and payments industry and each market within it.

• Understand the key market trends and growth opportunities in the Swiss cards and payments industry.

• Assess the competitive dynamics in the Swiss cards and payments industry.

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

• Gain insights into key regulations governing the Swiss cards and payments industry.

Companies mentioned

PostFinance

UBS

Credit Suisse

Raiffeisen Bank

Migros Bank

Viseca

M-Card

American Express

Visa

MasterCard

Diners Club

Table of Contents

1 DEFINITIONS AND METHODOLOGY

1.1 Definitions

1.2 Methodology

2 KEY FACTS AND HIGHLIGHTS

3 EXECUTIVE SUMMARY

4 PAYMENT INSTRUMENTS

5 E-COMMERCE AND ALTERNATIVE PAYMENTS

5.1 E-Commerce Market and Payment Methods

5.2 Alternative Payment Solutions

5.2.1 PayPal

5.2.2 Apple Pay

5.2.3 MasterPass

5.2.4 Paymit

5.2.5 Tellwa

5.2.6 Twint

5.2.7 Sofort

6 REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY

6.1 Regulatory Framework

6.1.1 SEPA cards framework

6.1.2 Interchange fee regulation

6.2 Anti-Money Laundering (AML)

6.3 Foreign Direct Investment (FDI) Regulations

7 ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS

8 PAYMENT CARDS

9 DEBIT CARDS

9.1 Debit Cards Market Analysis

9.2 Debit Card Scheme and Issuer Shares

9.3 Debit Cards Comparison

10 PAY LATER CARDS

10.1 Pay Later Cards Market Analysis

10.2 Pay Later Card Scheme and Issuer Shares

10.3 Pay Later Cards Comparison

11 PREPAID CARDS

12 APPENDIX

12.1 Tables

12.2 Contact GlobalData

12.3 About GlobalData

12.4 GlobalData’s Services

12.5 Disclaimer

List of Tables

Table 1: Key Definitions

Table 2: Annual Average Exchange Rate

Table 3: Switzerland – Key Facts, 2015

Table 4: Regional Benchmarking of Switzerland’s Payment Cards, 2015

Table 5: Switzerland – Mode of Entry of Foreign Banks

Table 6: Switzerland – Debit Cards Comparison and Key Features, 2016

Table 7: Switzerland – Gold Credit Cards Comparison and Key Features, 2016

Table 8: Switzerland – Premium Credit Cards Comparison and Key Features, 2016

Table 9: Switzerland – Charge Cards Comparison and Key Features, 2016

Table 10: Switzerland – Payment Instrument Transaction Values (CHF Million), 2011–2015

Table 11: Switzerland – Payment Instrument Transaction Values (US$ Million), 2011–2015

Table 12: Switzerland – Payment Instrument Transaction Volumes (Million), 2011–2015

Table 13: Switzerland – Number of Payment Cards in Circulation by Type (Million), 2011–2020

Table 14: Switzerland – Volume of Payment Card Transactions by Type (Million), 2011–2020

Table 15: Switzerland – Value of Payment Card Transactions by Type (CHF Billion), 2011–2020

Table 16: Switzerland – Value of Payment Card Transactions by Type (US$ Billion), 2011–2020

Table 17: Switzerland – Number of Debit Cards in Circulation (Million), 2011–2020

Table 18: Switzerland – Debit Card Transaction Volumes and Frequency by Channel, 2011–2020

Table 19: Switzerland – Debit Card Total and Average Transaction Values by Channel, 2011–2020

Table 20: Switzerland – Debit Card Total and Average Transaction Values by Channel, 2011–2020

Table 21: Switzerland – Number of Debit Cards in Circulation by Scheme (Thousand), 2011–2015

Table 22: Switzerland – Debit Card Transaction Values by Scheme (CHF Billion), 2011–2015

Table 23: Switzerland – Debit Card Transaction Values by Scheme (US$ Billion), 2011–2015

Table 24: Switzerland – Debit Card Transaction Values by Issuer (CHF Billion), 2011–2015

Table 25: Switzerland – Debit Card Transaction Values by Issuer (US$ Billion), 2011–2015

Table 26: Switzerland – Number of Pay Later Cards in Circulation (Million), 2011–2020

Table 27: Switzerland – Pay Later Card Transaction Volumes and Frequency by Channel, 2011–2020

Table 28: Switzerland – Pay Later Card Total and Average Transaction Values by Channel, 2011–2020

Table 29: Switzerland – Pay Later Card Total and Average Transaction Values by Channel, 2011–2020

Table 30: Switzerland – Number of Pay Later Cards in Circulation by Scheme (Thousand), 2011–2015

Table 31: Switzerland – Pay Later Card Transaction Values by Scheme (CHF Billion), 2011–2015

Table 32: Switzerland – Pay Later Card Transaction Values by Scheme (US$ Billion), 2011–2015

Table 33: Switzerland – Pay Later Card Transaction Values by Issuer (CHF Billion), 2011–2015

Table 34: Switzerland – Pay Later Card Transaction Values by Issuer (US$ Billion), 2011–2015

Table 35: Switzerland – Number of Credit Cards in Circulation (Million), 2011–2020

Table 36: Switzerland – Credit Card Transaction Volumes and Frequency by Channel, 2011–2020

Table 37: Switzerland – Credit Card Total and Average Transaction Values by Channel, 2011–2020

Table 38: Switzerland – Credit Card Total and Average Transaction Values by Channel, 2011–2020

Table 39: Switzerland – Number of Credit Cards in Circulation by Scheme (Thousand), 2011–2015

Table 40: Switzerland – Credit Card Transaction Values by Scheme (CHF Billion), 2011–2015

Table 41: Switzerland – Credit Card Transaction Values by Scheme (US$ Billion), 2011–2015

Table 42: Switzerland – Number of Charge Cards in Circulation (Thousand), 2011–2020

Table 43: Switzerland – Charge Card Transaction Volumes and Frequency by Channel, 2011–2020

Table 44: Switzerland – Charge Card Total and Average Transaction Values by Channel, 2011–2020

Table 45: Switzerland – Charge Card Total and Average Transaction Values by Channel, 2011–2020

Table 46: Switzerland – Number of Charge Cards in Circulation by Scheme (Thousand), 2011–2015

Table 47: Switzerland – Charge Card Transaction Values by Scheme (CHF Million), 2011–2015

Table 48: Switzerland – Charge Card Transaction Values by Scheme (US$ Million), 2011–2015

Table 49: Switzerland – Personal and Commercial Pay Later Card Transaction Volumes (Million), 2011–2020

Table 50: Switzerland – Personal and Commercial Pay Later Card Transaction Values (CHF Billion), 2011–2020

Table 51: Switzerland – Personal and Commercial Pay Later Card Transaction Values (US$ Billion), 2011–2020

Table 52: Switzerland – Number of Commercial Pay Later Cards in Circulation (Thousand), 2011–2020

Table 53: Switzerland – Commercial Pay Later Card Transaction Volumes (Million), 2011–2020

Table 54: Switzerland – Commercial Pay Later Card Transaction Values (CHF Billion), 2011–2020

Table 55: Switzerland – Commercial Pay Later Card Transaction Values (US$ Billion), 2011–2020

Table 56: Switzerland – Number of Prepaid Cards in Circulation (Million), 2011–2020

Table 57: Switzerland – Prepaid Card Transaction Values (CHF Million), 2011–2020

Table 58: Switzerland – Prepaid Card Transaction Values (US$ Million), 2011–2020

List of Figures

Figure 1: Switzerland – Payment Instrument Shares by Transaction Value (%), 2011 vs 2015

Figure 2: Switzerland – Payment Instrument Shares by Transaction Volume (%), 2011 vs 2015

Figure 3: Switzerland – E-Commerce Value, 2011–2020

Figure 4: Switzerland – E-Commerce Payment Methods, 2015

Figure 5: Switzerland – Population

Figure 6: Switzerland – Economic Indicators

Figure 7: Switzerland – ATMs and POS Terminals

Figure 8: Switzerland – Real Household Consumption

Figure 9: Switzerland – Growth in Payment Card Transaction Values and Number of Cards in Circulation by Type, 2011–2020

Figure 10: Switzerland – Debit Card Penetration and Turnover Per Card

Figure 11: Switzerland – Debit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2015

Figure 12: Switzerland – Pay Later Cards Penetration and Turnover Per Card

Figure 13: Switzerland – Pay Later Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2015

Figure 14: Switzerland – Number of Prepaid Cards in Circulation and Transaction Value, 2011–2020

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