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Synopsis
Timetric’s 'The Cards and Payments Industry in Argentina: Emerging Trends and Opportunities to 2019' report provides detailed analysis of market trends in Argentina's cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including check payments, credit transfers, direct debits, payment cards and cash transactions 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 Timetric’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, recent changes in regulatory structure and profiles of card issuers operating in the country.

Summary
Timetric’s 'The Cards and Payments Industry in Argentina: Emerging Trends and Opportunities to 2019' report provides top-level market analysis, information and insights into Argentina's cards and payments industry, including:

- Current and forecast values for each market in Argentina's cards and payments industry, including debit cards, credit and charge cards. It also includes detailed analysis of the prepaid card market.

- Detailed insights into payment instruments including check payments, credit transfers, direct debits, payment cards and cash transactions. It also includes an overview of the country's key alternative payment instruments.

- Analysis of various market drivers and regulations governing Argentina's cards and payments industry.

- Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.

- Comprehensive analysis of consumer attitudes and buying preferences for cards.

- The competitive landscape of Argentina's cards and payments industry.

Scope
- This report provides a comprehensive analysis of Argentina's cards and payments industry.

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

- It details the different demographic, economic, infrastructural and business drivers affecting Argentina'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 banks in Argentina's cards and payments industry.

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

- Understand the key market trends and growth opportunities in Argentina's cards and payments industry.

- Assess the competitive dynamics in Argentina's cards and payments industry.

- Gain insights into marketing strategies used for various card types in Argentina.

- Gain insights into key regulations governing Argentina's cards and payments industry.

Key Highlights
- The government increased tax on all credit and debit card purchases made abroad from 20% to 35%, in December 2013, with 50% tax on online purchases above US$25 (ARS201.9) from foreign websites. The restriction on online shopping and use of payment cards abroad was an attempt to control a drop in foreign currency reserves, which fell by 29% in 2013 to US$30.9 billion (ARS168.7 billion), a seven-year low. These restrictions are expected to result in slow growth in credit card transactions over the forecast period (2015–2019).

- The central bank of Argentina, Banco Central de la República Argentina (BCRA), in June 2014, imposed a cap of 40% on interest rates for personal loans and credit cards in an effort to increase consumer spending and to restrict lenders from charging high interest from consumers. This move encourages consumer spending, but is anticipated to negatively impact banks’ profitability. To compensate for revenue loss, banks are likely to increase fee-based charges and reduce reward programs and other benefits.

- Argentina, Brazil and Chile are rapidly migrating to Europay, MasterCard, Visa (EMV) technology-enabled payment cards and POS terminals. American Express launched EMV cards in Argentina in June 2014. Initially, the company introduced the cards, with Citibank, for its Black and Platinum customers. However, it is expected to expand this technology to its entire card portfolio, and other banks. The implementation of EMV is expected to help reduce card fraud activity in the country over the forecast period.

Table Of Contents

The Cards and Payments Industry in Argentina: Emerging Trends and Opportunities to 2019
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
4.2 Alternative Payment Instruments
4.2.1 PayPal
4.2.2 Pagofacil
4.2.3 Rapipago
4.2.4 Paysafecard
4.2.5 MercadoPago
5 Regulations in the Cards and Payments Industry
5.1 Regulatory Framework
5.2 Anti-Money Laundering (AML)
5.3 Foreign Direct Investment (FDI) Regulations
6 Analysis of Cards and Payments Industry Drivers
6.1 Demographic Drivers
6.2 Economic Drivers
6.3 Infrastructure Drivers
6.4 Business Drivers
7 Market Segmentation
7.1 Market Segmentation and Targeting
7.1.1 Consumer cards
7.1.2 Commercial cards
8 Payment Cards
8.1 Payment Cards Analysis
8.1.1 Volume and value of payment card transactions by type
8.1.2 Personal vs commercial cards
9 Debit Cards
9.1 Debit Card Market Analysis
9.1.1 Debit card transaction volumes and values by channel
9.1.2 Debit card scheme and issuer shares in terms of transaction value
10 Credit Cards
10.1 Credit Card Market Analysis
10.1.1 Credit card transaction volumes and values by channel
10.1.2 Credit card scheme and issuer shares in terms of transaction value
11 Charge Cards
11.1 Charge Card Market Analysis
11.1.1 Charge card transaction volumes and values by channel
11.1.2 Charge card scheme shares in terms of transaction value
12 Commercial Cards
12.1 Commercial Card Market Analysis
13 Card Issuers
13.1 Banco de Galicia y Buenos Aires
13.2 Banco Santander Río
13.3 Banco de la Nación Argentina
13.4 Banco de la Provincia de Buenos Aires
13.5 BBVA Banco Frances
14 Prepaid Cards
14.1 Prepaid Card Market Analysis
15 Merchant Acquiring
15.1 Merchant Acquiring Market Analysis
16 Appendix
16.1 Tables
16.2 Contact Timetric
16.3 About Timetric
16.4 Timetric's Services
16.5 Disclaimer

List of Tables
Table 1: Key Definitions
Table 2: Annual Average Exchange Rate
Table 3: Argentina - Key Facts, 2014
Table 4: Regional Benchmarking of Argentine Payment Cards, 2014
Table 5: Argentina - Mode of Entry of Foreign Banks
Table 6: Argentina - Cards for High-Income Consumers, 2015
Table 7: Argentina - Cards for Travelers, 2015
Table 8: Argentina - Cards for Students and Young Population, 2015
Table 9: Argentina - Cards for Shoppers, 2015
Table 10: Argentina - Commercial Cards Comparison and Key Features, 2015
Table 11: Argentina - Payment Instrument Transaction Values (ARS Billion), 2010-2014
Table 12: Argentina - Payment Instrument Transaction Values (US$ Billion), 2010-2014
Table 13: Argentina - Payment Instrument Transaction Volumes (Million), 2010-2014
Table 14: Argentina - Number of Payment Cards in Circulation by Type (Million), 2010-2019
Table 15: Argentina - Volume of Payment Card Transactions by Type (Million), 2010-2019
Table 16: Argentina - Value of Payment Card Transactions by Type (ARS Billion), 2010-2019
Table 17: Argentina - Value of Payment Card Transactions by Type (US$ Billion), 2010-2019
Table 18: Argentina - Personal and Commercial Card Transaction Volumes ( Million), 2010-2019
Table 19: Argentina - Personal and Commercial Card Transaction Values (ARS Billion), 2010-2019
Table 20: Argentina - Personal and Commercial Card Transaction Values (US$ Billion), 2010-2019
Table 21: Argentina - Number of Debit Cards in Circulation (Million), 2010-2019
Table 22: Argentina - Debit Card Transaction Volumes and Frequency by Channel, 2010-2019
Table 23: Argentina - Debit Card Total and Average Transaction Values by Channel, 2010-2019
Table 24: Argentina - Debit Card Total and Average Transaction Values by Channel, 2010-2019
Table 25: Argentina - Number of Debit Cards in Circulation by Scheme (Thousand), 2010-2014
Table 26: Argentina - Debit Card Transaction Values by Scheme (ARS Billion), 2010-2014
Table 27: Argentina - Debit Card Transaction Values by Scheme (US$ Billion), 2010-2014
Table 28: Argentina - Debit Card Transaction Values by Issuer (ARS Billion), 2010-2014
Table 29: Argentina - Debit Card Transaction Values by Issuer (US$ Billion), 2010-2014
Table 30: Argentina - Number of Credit Cards in Circulation (Million), 2010-2019
Table 31: Argentina - Credit Card Transaction Volumes and Frequency by Channel, 2010-2019
Table 32: Argentina - Credit Card Total and Average Transaction Values by Channel, 2010-2019
Table 33: Argentina - Credit Card Total and Average Transaction Values by Channel, 2010-2019
Table 34: Argentina - Number of Credit Cards in Circulation by Scheme (Million), 2010-2014
Table 35: Argentina - Credit Card Transaction Values by Scheme (ARS Billion), 2010-2014
Table 36: Argentina - Credit Card Transaction Values by Scheme (US$ Billion), 2010-2014
Table 37: Argentina - Pay Later Card Transaction Values by Issuer (ARS Billion), 2010-2014
Table 38: Argentina - Pay Later Card Transaction Values by Issuer (US$ Billion), 2010-2014
Table 39: Argentina - Credit Card Balances Outstanding by Issuer (ARS Billion), 2010-2014
Table 40: Argentina - Credit Card Balances Outstanding by Issuer (US$ Million), 2010-2014
Table 41: Argentina - Number of Charge Cards in Circulation (Thousand), 2010-2019
Table 42: Argentina - Charge Card Transaction Volumes and Frequency by Channel, 2010-2019
Table 43: Argentina - Charge Card Total and Average Transaction Values by Channel, 2010-2019
Table 44: Argentina - Charge Card Total and Average Transaction Values by Channel, 2010-2019
Table 45: Argentina - Number of Charge Cards in Circulation by Scheme (Thousand), 2010-2014
Table 46: Argentina - Charge Card Transaction Values by Scheme (ARS Million), 2010-2014
Table 47: Argentina - Charge Card Transaction Values by Scheme (US$ Million), 2010-2014
Table 48: Argentina - Number of Commercial Cards in Circulation (Million), 2010-2019
Table 49: Argentina - Commercial Cards Transaction Value (ARS Billion), 2010-2019
Table 50: Argentina - Commercial Card Transaction Values (US$ Billion), 2010-2019
Table 51: Argentina - Number of Prepaid Cards in Circulation (Million), 2010-2019
Table 52: Argentina - Prepaid Card Transaction Values (ARS Billion), 2010-2019
Table 53: Argentina - Prepaid Card Transaction Values (US$ Billion), 2010-2019
Table 54: Argentina - Merchant Acquirers' Transaction Volume by Card Type (Million), 2010-2019
Table 55: Argentina - Merchant Acquirers' Total Transaction Value (ARS Billion), 2010-2019
Table 56: Argentina - Merchant Acquirers' Total Transaction Value (US$ Billion), 2010-2019
Table 57: Argentina - Merchant Acquirers' Transaction Volume (Million), 2010-2014
Table 58: Argentina - Merchant Acquirers' Transaction Value (ARS Billion), 2010-2014
Table 59: Argentina - Merchant Acquirers' Transaction Value (US$ Billion), 2010-2014
Table 60: Argentina - Retail Outlets and Merchant Accounts (Thousand), 2010-2019

List of Figures
Figure 1: Argentina - Payment Instrument Shares by Transaction Value (%), 2010 and 2014
Figure 2: Argentina - Payment Instrument Shares by Transaction Volume (%), 2010 and 2014
Figure 3: Argentina - Total Population and Structure, 2014
Figure 4: Argentina - Economic Indicators, 2010-2019
Figure 5: Argentina - Number of ATMs, POS Terminals and Commercial Bank Branches
Figure 6: Argentina - Retail Sales and E-Commerce Values (US$ Billion), 2010-2014
Figure 7: Argentina - Cards and Payments Industry Segmentation by Card Type, 2015
Figure 8: Argentina - Growth in Payment Cards Transaction Value and Number of Cards in Circulation by Type, 2010-2019
Figure 9: Argentina - Volume and Value of Payment Card Transactions by Type (%), 2010-2019
Figure 10: Argentina - Personal and Commercial Cards, Transaction Volume and Value (%), 2010-2019
Figure 11: Argentina - Growth in Debit Cards Transaction Value and Number of Debit Cards in Circulation, 2010-2019
Figure 12: Argentina - Pay now, Average Interchange Fees: Intra-Network Transactions (%), 2010-2014
Figure 13: Argentina - Pay now, Average Merchant Service Charge: Domestic Transactions (%), 2010-2019
Figure 14: Argentina - Debit Card Transaction Volumes and Values by Channel, 2010-2019
Figure 15: Argentina - Debit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014
Figure 16: Argentina - Growth in Credit Card Transaction Values and Number of Credit Cards in Circulation, 2010-2019
Figure 17: Argentina - Pay later, Average Interchange Fees: Intra-Network Transactions (%),
Figure 18: Argentina - Pay later, Average Merchant Service Charge: Domestic Transactions (%),
Figure 19: Argentina - Credit Card Transaction Volumes and Values by Channel, 2010-2019
Figure 20: Argentina - Credit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014
Figure 21: Argentina - Growth in Charge Cards Transaction Value and Number of Credit Cards in Circulation, 2010-2019
Figure 22: Argentina - Charge Card Transaction Volumes and Values by Channel, 2010-2019
Figure 23: Argentina - Charge Card Scheme Shares in Terms of Transaction Value (%), 2014
Figure 24: Argentina - Number of Commercial Cards in Circulation and Transaction Value, 2010-2019
Figure 25: Argentina - Number of Prepaid Cards in Circulation and Transaction Value, 2010-2019
Figure 26: Argentina - Merchant Acquiring Transaction Volume and Value, 2010-2019
Figure 27: Argentina - Merchant Acquirers' Market Shares in Terms of Transaction Volume and Value (%), 2014
Figure 28: Argentina - Number of Retail Outlets and Total Merchant Accounts (Thousand), 2010-2019

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