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Synopsis
The report provides top-level market analysis, information and insights on Sweden's cards and payments industry, including:
- Current and forecast values for each category of Sweden's cards and payments industry, including debit cards, credit cards and prepaid cards.
- Comprehensive analysis of the industry’s market attractiveness and future growth areas.
- Analysis of various market drivers and regulations governing Sweden's cards and payments industry.
- Detailed analysis of the marketing strategies adopted for selling debit, credit and prepaid cards used by various banks and other institutions in the market.
- Comprehensive analysis of consumer attitude and buying preferences for cards.
- Competitive landscape of Sweden's cards and payments industry.

Summary
Sweden has an export-oriented economy, and according to the World Economic Forum (WEF), it ranks as the sixth-most-competitive economy in the world 2013'2014. Sweden is moving fast towards being an electronic and cashless economy. In terms of the number of cards in circulation, its card payments channel posted a compound annual growth rate (CAGR) of 1.99% during the review period (2008'2012). This somewhat slow growth was mainly due to the debt crises in the eurozone. The overall card payments channel is expected to post a CAGR of 2.16% over the forecast period (2013'2017).
During the review period, debit cards occupied the largest share of the payments channel, posting a CAGR of 3.04%. The debit cards category is expected to post a forecast-period CAGR of 3.00%, while credit cards are expected to account for a CAGR of 1.09%.
The Swedish card payments channel grew marginally in value terms during the review period. The channel posted a review-period CAGR of 3.47%, from SEK739.0 billion (US$112.1 billion) in 2008 to SEK846.9 billion (US$124.2 billion) in 2012. It is expected to register a forecast-period CAGR of 3.88%, from SEK888.2 billion (US$128.2 billion) in 2013 to SEK1,034.2 billion (US$148.8 billion) in 2017.
As banking customers become more sophisticated, banks are looking to differentiate their product offerings, and card customization is gaining attention.

Scope
- This report provides a comprehensive analysis of Sweden's cards and payments industry.
- It provides the current value for Sweden's cards and payments industry for 2012, and forecast figures for 2017.
- It details the different economic, infrastructural and business drivers affecting Sweden's cards and payments industry.
- It outlines current regulatory framework in the industry.
- It details the marketing strategies used by various bankers and other institutions.
- It profiles the major banks in Sweden's cards and payments industry.

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

Key Highlights
- In terms of the number of cards in circulation, its card payments channel posted a compound annual growth rate (CAGR) of 1.99% during the review period (2008'2012). This somewhat slow growth was mainly due to the debt crises in the eurozone. The overall card payments channel is expected to post a CAGR of 2.16% over the forecast period (2013'2017).
- During the review period, debit cards occupied the largest share of the payments channel, posting a CAGR of 3.04%. The debit cards category is expected to post a forecast-period CAGR of 3.00%, while credit cards are expected to account for a CAGR of 1.09%.
- The Swedish card payments channel grew marginally in value terms during the review period. The channel posted a review-period CAGR of 3.47%, from SEK739.0 billion (US$112.1 billion) in 2008 to SEK846.9 billion (US$124.2 billion) in 2012. It is expected to register a forecast-period CAGR of 3.88%, from SEK888.2 billion (US$128.2 billion) in 2013 to SEK1,034.2 billion (US$148.8 billion) in 2017.
- Contactless and NFC payments are being rolled out extensively across Sweden. In 2012, Scandinavian Airlines launched SAS Smart Pass stickers to its EuroBonus Gold frequent fliers, enabling passengers to check in without traditional paper boarding passes.

Table Of Contents

Sweden%s Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
Table of Contents
1 Executive Summary
2 Analysis of the Market Environment, Key Trends and Drivers
2.1 Payment Infrastructure and Emerging Technologies
2.1.1 Automatic teller machines (ATMs)
2.1.2 Point of sale (POS) terminals
2.1.3 Internet penetration
2.1.4 Contactless and NFC technology at payment terminals
2.1.5 Acceptance of smart cards for e-ticketing, online tax deductions and healthcare
2.1.6 Increasing acceptance of EMV cards
2.1.7 Mobile payments
2.2 Business Drivers
2.2.1 Retail industry
2.2.2 Large number of young population
2.3 Economic Drivers
2.3.1 Stable GDP
2.3.2 Inflation
2.3.3 GDP per capita
3 Cards and Payments Industry Share Analysis
3.1 Industry Overview
3.1.1 Cash
3.1.2 Checks
3.1.3 Card payments
3.1.4 Credit transfers
3.1.5 Direct debits
4 Regulatory Framework and Card Fraud Statistics
4.1 Regulatory Framework
4.1.1 SEPA cards framework
4.1.2 Swedish laws regarding card use
4.1.3 Anti-money laundering
4.1.4 Foreign direct investment (FDI) regulations
4.2 Card Fraud Statistics
4.2.1 Card-not-present fraud
4.2.2 Cards lost or stolen
4.2.3 Card ID theft
4.2.4 Counterfeit cards
5 Emerging Consumer Attitudes and Trends
5.1 Industry Segmentation and Targeting
5.1.1 Retail users
5.1.2 Corporate segment
5.2 Travel and Tourism Spending
5.2.1 Outbound tourist trips
5.2.2 Outbound tourist spending
5.3 Retail Card Spending
5.3.1 Analysis by product categories
5.3.2 Analysis by retail channels
6 Analysis of Card Payments and Growth Prospects
6.1 Channel Share Analysis by Card Category
6.2 Size and Forecast of the Card Payments Channel
6.2.1 Analysis by number of cards in circulation
6.2.2 Analysis by transaction value
7 Analysis of Credit Card Payments and Growth Prospects
7.1 Overall Category Size and Forecast
7.1.1 Analysis by number of cards in circulation
7.1.2 Analysis by transaction value
7.1.3 Analysis by transaction volume
7.2 Transaction Share Analysis by Channel
7.2.1 Analysis by transaction value
7.2.2 Analysis by transaction volume
7.3 Personal Credit Cards Sub-Category Size and Forecast
7.3.1 Analysis by number of cards in circulation
7.3.2 Analysis by transaction value
7.3.3 Analysis by transaction volume
7.4 Commercial Credit Cards Sub-Category Size and Forecast
7.4.1 Analysis by number of cards in circulation
7.4.2 Analysis by transaction value
7.4.3 Analysis by transaction volume
7.5 Competitive Landscape
7.5.1 Scheme share analysis
7.5.2 Issuer share analysis
8 Analysis of Debit Card Payments and Growth Prospects
8.1 Overall Category Size and Forecast
8.1.1 Analysis by number of cards in circulation
8.1.2 Analysis by transaction value
8.1.3 Analysis by transaction volume
8.2 Transaction Share Analysis by Channel
8.2.1 Analysis by transaction value
8.2.2 Analysis by transaction volume
8.3 Competitive Landscape
8.3.1 Scheme share analysis
8.3.2 Issuer share analysis
9 Analysis of Charge Card Payments and Growth Prospects
9.1 Overall Category Size and Forecast
9.1.1 Analysis by number of cards in circulation
9.1.2 Analysis by transaction value
9.1.3 Analysis by transaction volume
9.2 Transaction Share Analysis by Channel
9.2.1 Analysis by transaction value
9.2.2 Analysis by transaction volume
9.3 Personal Charge Cards Category Size and Forecast
9.3.1 Analysis by number of cards in circulation
9.3.2 Analysis by transaction value
9.3.3 Analysis by transaction volume
9.4 Commercial Charge Cards Sub-Category Size and Forecast
9.4.1 Analysis by number of cards in circulation
9.4.2 Analysis by transaction value
9.4.3 Analysis by transaction volume
9.5 Competitive Landscape
9.5.1 Scheme share analysis
9.5.2 Issuer share analysis
10 Merchant Acquiring
10.1 Merchant Acquirers in Sweden
11 Company Profiles of Card Issuers
11.1 Swedbank
11.1.1 Key financials
11.1.2 Card portfolio
11.1.3 Strategies
11.2 Nordea Bank
11.2.1 Key financials
11.2.2 Card portfolio
11.2.3 Strategies
11.3 Westra Wermlands Sparbank
11.3.1 Key financials
11.3.2 Card portfolio
11.3.3 Strategies
11.4 Svenska Handelsbanken AB
11.4.1 Key financials
11.4.2 Card portfolio
11.4.3 Strategies
11.5 Resurs Bank
11.5.1 Key financials
11.5.2 Card portfolio
11.5.3 Strategies
12 Appendix
12.1 Methodology
12.2 Contact Timetric
12.3 About Timetric
12.4 Timetric's Services
12.5 Definitions
12.6 Disclaimer

List of Tables
Table 1: Sweden - Payment Channels (SEK Billion), 2008-2012
Table 2: Sweden - Market Entry Strategies of Foreign Banks
Table 3: Sweden - Card Fraud (SEK Million), 2008-2012
Table 4: Sweden - Cards Offered to Younger Population, 2014
Table 5: Sweden - Cards for Premium Customers, 2014
Table 6: Sweden - Corporate Cards Offered, 2014
Table 7: Sweden - Consumer Card Spending by Product Category, (SEK Million), 2012
Table 8: Sweden - Consumer Card Spending by Retail Channel (SEK Million), 2008-2012
Table 9: Sweden - Card Payments Channel by Card Category (Million), 2008-2017
Table 10: Sweden - Card Payments Channel Size by Number of Cards (Million), 2008-2017
Table 11: Sweden - Card Payments Channel Size by Transaction Value (SEK Billion), 2008-2017
Table 12: Sweden - Card Payments Channel Size by Transaction Value (US$ Billion), 2008-2017
Table 13: Sweden - Credit Cards Category Size by Number of Cards (Million), 2008-2017
Table 14: Sweden - Credit Cards Category Size by Transaction Value (SEK Billion), 2008-2017
Table 15: Sweden - Credit Cards Category Size by Transaction Value (US$ Billion), 2008-2017
Table 16: Sweden - Credit Cards Category Size by Transaction Volume (Million), 2008-2017
Table 17: Sweden - Personal Credit Cards Sub-Category Size by Number of Cards (Million), 2008-2017
Table 18: Sweden - Personal Credit Cards Sub-Category Size by Transaction Value (SEK Billion), 2008-2017
Table 19: Sweden - Personal Credit Cards Sub-Category Size by Transaction Value (US$ Billion), 2008-2017
Table 20: Sweden - Personal Credit Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Table 21: Sweden - Commercial Credit Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Table 22: Sweden - Commercial Credit Cards Sub-Category Size by Transaction Value (SEK Million), 2008-2017
Table 23: Sweden - Commercial Credit Cards Sub-Category Size by Transaction Value (US$ Million), 2008-2017
Table 24: Sweden - Commercial Credit Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Table 25: Sweden - Debit Cards Category Size by Number of Cards (Million), 2008-2017
Table 26: Sweden - Debit Cards Category Size by Transaction Value (SEK Billion), 2008-2017
Table 27: Sweden - Debit Cards Category Size by Transaction Value (US$ Billion), 2008-2017
Table 28: Sweden - Debit Cards Category Size by Transaction Volume (Billion), 2008-2017
Table 29: Sweden - Charge Cards Category Size by Number of Cards (Thousand), 2008-2017
Table 30: Sweden - Charge Cards Category Size by Transaction Value (SEK Billion), 2008-2017
Table 31: Sweden - Charge Cards Category Size by Transaction Value (US$ Billion), 2008-2017
Table 32: Sweden - Charge Cards Category Size by Transaction Volume (Million), 2008-2017
Table 33: Sweden - Personal Charge Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Table 34: Sweden ? Personal Charge Cards Sub-Category Size by Transaction Value (SEK Million), 2008-2017
Table 35: Sweden ? Personal Charge Cards Sub-Category Size by Transaction Value (US$ Million), 2008-2017
Table 36: Sweden ? Personal Charge Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Table 37: Sweden ? Commercial Charge Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Table 38: Sweden ? Commercial Charge Cards Sub-Category Size by Transaction Value (SEK Billion), 2008-2017
Table 39: Sweden ? Commercial Charge Cards Sub-Category Size by Transaction Value (US$ Billion), 2008-2017
Table 40: Sweden ? Commercial Charge Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Table 41: Swedbank - Key Financial Indicators (SEK Billion), 2011-2012
Table 42: Swedbank - Card Portfolio and Key Features
Table 43: Nordea Group - Key Financial Indicators (EUR Billion), 2011-2012
Table 44: Nordea Bank - Card Portfolio and Key Features
Table 45: Westra Wermlands Sparbank - Key Financial Indicators (SEK Million), 2011-2012
Table 46: Westra Wermlands Sparbank - Card Portfolio and Key Features
Table 47: Svenska Handelsbanken AB - Key Financial Indicators (SEK Million), 2011-2012
Table 48: Svenska Handelsbanken AB - Card Portfolio and Key Features
Table 49: Resurs Bank - Key Financial Indicators (SEK Million), 2011-2012
Table 50: Resurs Bank - Card Portfolio and Key Features
Table 51: Key Definitions

List of Figures
Figure 1: Benchmarking the Swedish Card Payments Channel Against Other Key Regional Markets
Figure 2: Sweden - Growth of Various Card Categories (%), 2008-2017
Figure 3: Sweden - ATM Penetration (Thousand), 2008-2017
Figure 4: Sweden - POS Terminals Penetration (Thousand), 2008-2017
Figure 5: Sweden - Internet Users per 100 Inhabitants, 2008-2012
Figure 6: Sweden - Volume of EMV Cards (Million), 2008-2017
Figure 7: Sweden - Value of M-Payments (SEK Million), 2008-2017
Figure 8: Sweden - Value of Retail Sales (SEK Billion), 2008-2012
Figure 9: Sweden - GDP Growth (%), 2008-2017
Figure 10: Sweden - Inflation Rates (%), 2008-2017
Figure 11: Sweden - GDP Per Capita (US$), 2008-2017
Figure 12: Sweden - Share of Different Payment Channels (%), 2008 and 2012
Figure 13: Sweden - Card Fraud (SEK Million), 2008 and 2012
Figure 14: Sweden - Card-not-Present Fraud Value (SEK Million), 2008-2012
Figure 15: Sweden - Lost or Stolen Cards Fraud Value (SEK Million), 2008-2012
Figure 16: Sweden - Card ID Theft Fraud Value (SEK Million), 2008-2012
Figure 17: Sweden - Counterfeit Cards Fraud Value (SEK Million), 2008-2012
Figure 18: Sweden - Cards and Payments Industry Segmentation by Card Type, 2014
Figure 19: Sweden - Outbound Tourist Trips (Thousand), 2008-2012
Figure 20: Sweden - Outbound Tourists Spending (SEK Million), 2008-2017
Figure 21: Sweden - Retail Consumer Card Spending by Product Category, (%), 2012
Figure 22: Sweden - Retail Consumer Card Spending by Retail Channel, (%), 2012
Figure 23: Sweden - Card Payments Channel by Card Category (%), 2008-2017
Figure 24: Sweden - Card Payments Channel Size by Volume of Cards (Million), 2008-2017
Figure 25: Sweden - Card Payments Channel Size by Transaction Value (SEK Billion), 2008-2017
Figure 26: Sweden - Credit Card Volume and Penetration (Thousand), 2008-2017
Figure 27: Sweden - Credit Cards Category Size by Volume of Cards (Thousand), 2008-2017
Figure 28: Sweden - Credit Cards Category Size by Transaction Value (SEK Billion), 2008-2017
Figure 29: Sweden - Card Category Size by Transactions Volume (Million), 2008-2017
Figure 30: Sweden - Credit Card Transactions Value by Channel (SEK Billion), 2008-2017
Figure 31: Sweden - Credit Card Transaction Volume by Channel (Million), 2008-2017
Figure 32: Sweden - Personal Credit Cards Sub-Category Size by Volume of Cards (Thousand), 2008-2017
Figure 33: Sweden - Personal Credit Cards Sub-Category Size by Transaction Value (SEK Billion), 2008- 2017
Figure 34: Sweden - Personal Credit Cards Segment Size by Number of Transactions (Million), 2008-2017
Figure 35: Sweden - Commercial Credit Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Figure 36: Sweden - Commercial Credit Cards Sub-Category Size by Transaction Value (SEK Million),
Figure 37: Sweden - Commercial Credit Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Figure 38: Sweden - Credit Cards Category Share by Scheme (%), 2012
Figure 39: Sweden - Credit Cards Category Share by Issuer (%), 2012
Figure 40: Sweden - Debit Card Volume and Penetration (Million), 2008-2017
Figure 41: Sweden - Debit Card Category Size by Number of Cards (Million), 2008-2017
Figure 42: Sweden - Debit Cards Category Size by Transaction Value (SEK Billion), 2008-2017
Figure 43: Sweden - Debit Cards Category Size by Transaction Volume (Million), 2008-2017
Figure 44: Sweden - Debit Cards Transaction Value by Channel (SEK Billion), 2008-2017
Figure 45: Sweden - Debit Cards Transaction Volume by Channel (Billion), 2008-2017
Figure 46: Sweden - Debit Cards Category Share by Scheme (%), 2012
Figure 47: Sweden - Debit Cards Category Share by Issuer (%), 2012
Figure 48: Sweden - Charge Card Volume and Penetration (Thousand), 2008-2017
Figure 49: Sweden - Charge Cards Category Size by Number of Cards (Thousand), 2008-2017
Figure 50: Sweden - Charge Cards Category Size by Transaction Value (SEK Billion), 2008-2017
Figure 51: Sweden - Charge Cards Category Size by Transaction Volume (Million), 2008-2017
Figure 52: Sweden - Charge Cards Transaction Value by Channel (SEK Billion), 2008-2017
Figure 53: Sweden - Charge Cards Transaction Volume by Channel (Million), 2008-2017
Figure 54: Sweden - Personal Charge Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Figure 55: Sweden ? Personal Charge Cards Sub-Category Size by Transaction Value (PLN Million), 2008-2017
Figure 56: Sweden ? Personal Charge Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Figure 57: Sweden ? Commercial Charge Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Figure 58: Sweden ? Commercial Charge Cards Sub-Category Size by Transaction Value (SEK Billion), 2008-2017
Figure 59: Sweden ? Commercial Charge Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Figure 60: Sweden ? Charge Cards Category Share by Scheme (%), 2012
Figure 61: Sweden ? Debit Cards Category Share by Issuer (%), 2012
Figure 62: Sweden ? Market Share of Merchant Acquirers (%), 2012

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