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Synopsis
Timetric’s 'The Cards and Payments Industry in the Netherlands: Emerging Trends and Opportunities to 2020' report provides detailed analysis of market trends in the Dutch cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash transactions, credit transfers, direct debits and payment cards 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 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 detailed regulatory policies and recent changes in regulatory structure.

Summary
Timetric’s 'The Cards and Payments Industry in the Netherlands: Emerging Trends and Opportunities to 2020' report provides top-level market analysis, information and insights into the Netherlands cards and payments industry, including:

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

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

- E-commerce market analysis and online payment types.

- Analysis of various market drivers and regulations governing the Dutch 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 the Dutch cards and payments industry.

Scope
- This report provides a comprehensive analysis of the Dutch cards and payments industry.

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

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

- It outlines the current regulatory framework in the industry.

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

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

- Understand the key market trends and growth opportunities in the Dutch cards and payments industry.

- Assess the competitive dynamics in the Dutch cards and payments industry.

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

- Gain insights into key regulations governing the Dutch cards and payments industry.

Key Highlights
- Contactless technology is gradually gaining traction in the Netherlands. There were 15 million contactless cards in the country in 2015 – equivalent to 45.5% of the overall payments cards. According to the Dutch Payments Association, the number of contactless POS terminals in the country reached 56,000 – equivalent to 17.2% of overall POS terminals – by the end of 2014. Banks are increasingly embracing contactless technology to provide convenience to customers. For example, ABN Amro replaced all its payment cards with contactless variants in December 2015, enabling consumers to make payments of up to US$27.8 (EUR25) without entering a PIN. Similarly, ING Bank and Rabobank are replacing their old cards with contactless-enabled equivalents.

- Larger banks have introduced contactless mobile payment (m-payment) solutions. The latest initiative is the launch of a contactless m-payment service by Rabobank, in partnership with mobile service provider KPN in January 2016. In December 2015, ING Bank launched a mobile banking app based on host card emulation (HCE) technology to facilitate contactless m-payments. In 2014, Vodafone, in association with Visa, launched a contactless m-payment service, Visa SmartPass, which allows consumers to pay by mobile phone at contactless POS terminals with a V Pay logo. Consumers can pay up to US$27.8 (EUR25) by waving mobile phones at contactless-enabled terminals.

- The uptake of iDEAL, an alternative payment solution, among Dutch consumers is increasing. As of June 2015, iDEAL accounted for 56% of the online transactions made in the Netherlands, up from 54% in June 2014. It provides payment services to merchants in more than 50 markets globally, who sell to Dutch customers. The company formed an alliance with Trustly, a Swedish payment solution provider, in December 2015. With this agreement, Trustly became iDEAL's licensed Collecting Payment Service Provider, allowing it to provide payment solutions to merchants. It also formed an agreement with Alipay, the Chinese payment solution provider of the Alibaba group, to integrate the iDEAL payment option to AliExpress, the Alibaba group's online store, in March 2015. Customers purchasing online on AliExpress now have the option to pay through iDEAL.

Table Of Contents

The Cards and Payments Industry in the Netherlands: Emerging Trends and Opportunities to 2020
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 iDEAL
6.1.2 SEQR
6.1.3 PayPal
6.1.4 Klarna
6.1.5 Vodafone SmartPass
7 Regulations in the Cards and Payments Industry
7.1 Regulatory Framework
7.1.1 SEPA cards framework
7.1.2 Anti-money laundering regulation
7.1.3 Interchange fee regulation
7.2 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
13.1.3 Charge cards comparison
14 Commercial Cards
14.1 Commercial Card Market Analysis
14.1.1 Commercial cards comparison
15 Card Issuers
15.1 ING Bank N.V.
15.2 Rabobank
15.3 ABN AMRO Bank
15.4 SNS Bank NV
16 Prepaid Cards
16.1 Prepaid Cards Market Analysis
17 Merchant Acquiring
17.1 Merchant Acquiring Market Analysis
18 Appendix
18.1 Tables
18.2 Contact Timetric
18.3 About Timetric
18.4 Timetric's Services
18.5 Disclaimer

List of Tables
Table 1: Key Definitions
Table 2: Annual Average Exchange Rate
Table 3: The Netherlands - Key Facts, 2015
Table 4: Regional Benchmarking of the Netherlands's Payment Cards, 2015
Table 5: The Netherlands - Mode of Entry of Foreign Banks
Table 6: Cards for High-Income Consumers, 2016
Table 7: Cards for Spending Cautious Consumers, 2016
Table 8: Cards for Students and Young Population, 2016
Table 9: Commercial Cards Comparison and Key Features, 2016
Table 10: The Netherlands - Debit Cards Comparison and Key Features, 2016
Table 11: The Netherlands - Gold Credit Cards Comparison and Key Features, 2016
Table 12: The Netherlands - Platinum Credit Cards Comparison and Key Features, 2016
Table 13: The Netherlands - Charge Cards Comparison and Key Features, 2016
Table 14: The Netherlands - Commercial Cards Comparison and Key Features, 2016
Table 15: The Netherlands - Payment Instrument Transaction Values (EUR Billion), 2011-2015
Table 16: The Netherlands - Payment Instrument Transaction Values (US$ Billion), 2011-2015
Table 17: The Netherlands - Payment Instrument Transaction Volumes (Billion), 2011-2015
Table 18: The Netherlands - Number of Payment Cards in Circulation by Type (Million), 2011-2020
Table 19: The Netherlands - Volume of Payment Card Transactions by Type (Million), 2011-2020
Table 20: The Netherlands - Value of Payment Card Transactions by Type (EUR Billion), 2011-2020
Table 21: The Netherlands - Value of Payment Card Transactions by Type (US$ Billion), 2011-2020
Table 22: The Netherlands - Personal and Commercial Card Transaction Volumes (Million), 2011-2020
Table 23: The Netherlands - Personal and Commercial Card Transaction Values (EUR Billion), 2011-2020
Table 24: The Netherlands - Personal and Commercial Card Transaction Values (US$ Billion), 2011-2020
Table 25: The Netherlands - Number of Debit Cards in Circulation (Million), 2011-2020
Table 26: The Netherlands - Debit Card Transaction Volumes and Frequency by Channel, 2011-2020
Table 27: The Netherlands - Debit Card Total and Average Transaction Values by Channel, 2011-2020
Table 28: The Netherlands - Debit Card Total and Average Transaction Values by Channel, 2011-2020
Table 29: The Netherlands - Number of Debit Cards in Circulation by Scheme (Million), 2011-2015
Table 30: The Netherlands - Debit Card Transaction Values by Scheme (EUR Billion), 2011-2015
Table 31: The Netherlands - Debit Card Transaction Values by Scheme (US$ Billion), 2011-2015
Table 32: The Netherlands - Debit Card Transaction Values by Issuer (EUR Billion), 2011-2015
Table 33: The Netherlands - Debit Card Transaction Values by Issuer (US$ Billion), 2011-2015
Table 34: The Netherlands - Number of Credit Cards in Circulation (Million), 2011-2020
Table 35: The Netherlands - Credit Card Transaction Volumes and Frequency by Channel, 2011-2020
Table 36: The Netherlands - Credit Card Total and Average Transaction Values by Channel, 2011-2020
Table 37: The Netherlands - Credit Card Total and Average Transaction Values by Channel, 2011-2020
Table 38: The Netherlands - Number of Credit Cards in Circulation by Scheme (Million), 2011-2015
Table 39: The Netherlands - Credit Card Transaction Values by Scheme (EUR Billion), 2011-2015
Table 40: The Netherlands - Credit Card Transaction Values by Scheme (US$ Billion), 2011-2015
Table 41: The Netherlands - Pay Later Card Transaction Values by Issuer (EUR Billion), 2011-2015
Table 42: The Netherlands - Pay Later Card Transaction Values by Issuer (US$ Billion), 2011-2015
Table 43: The Netherlands - Number of Charge Cards in Circulation (Million), 2011-2020
Table 44: The Netherlands - Charge Card Transaction Volumes and Frequency by Channel, 2011-2020
Table 45: The Netherlands - Charge Card Total and Average Transaction Values by Channel, 2011-2020
Table 46: The Netherlands - Charge Card Total and Average Transaction Values by Channel, 2011-2020
Table 47: The Netherlands - Number of Charge Cards in Circulation by Scheme (Million), 2011-2015
Table 48: The Netherlands - Charge Card Transaction Values by Scheme (EUR Billion), 2011-2015
Table 49: The Netherlands - Charge Card Transaction Values by Scheme (US$ Billion), 2011-2015
Table 50: The Netherlands - Number of Commercial Cards in Circulation (Million), 2011-2020
Table 51: The Netherlands - Commercial Card Transaction Values (EUR Million), 2011-2020
Table 52: The Netherlands - Commercial Card Transaction Values (US$ Million), 2011-2020
Table 53: The Netherlands - Number of Prepaid Cards in Circulation (Million), 2011-2014
Table 54: The Netherlands - Prepaid Card Transaction Values (EUR Million), 2011-2014
Table 55: The Netherlands - Prepaid Card Transaction Values (US$ Million), 2011-2014
Table 56: The Netherlands - Merchant Acquiring Transaction Volumes by Channel (Billion), 2011-2020
Table 57: The Netherlands - Merchant Acquiring Transaction Values (EUR Billion), 2011-2020
Table 58: The Netherlands - Merchant Acquiring Transaction Values (US$ Billion), 2011-2020
Table 59: The Netherlands - Acquirers' Transaction Volumes (Million), 2011-2015
Table 60: The Netherlands - Acquirers' Transaction Values (EUR Billion), 2011-2015
Table 61: The Netherlands - Acquirers' Transaction Values (US$ Billion), 2011-2015
Table 62: The Netherlands - Retail Outlets and Card Accepting Merchants (Thousand), 2011-2020

List of Figures
Figure 1: The Netherlands - Payment Instrument Shares by Transaction Value (%), 2011 vs 2015
Figure 2: The Netherlands - Payment Instrument Shares by Transaction Volume (%), 2011 vs 2015
Figure 3: The Netherlands - E-Commerce Value (US$ Billion) and Payment Types (%)
Figure 4: iDEAL Transaction Volume and Value, 2011-2015
Figure 5: The Netherlands - Total Population and Structure
Figure 6: The Netherlands - Economic Indicators
Figure 7: The Netherlands - Number of ATMs, POS Terminals and Number of Bank Branches
Figure 8: The Netherlands - Real Household Consumption Expenditure
Figure 9: The Netherlands - Segmentation by Card Type
Figure 10: The Netherlands - Growth in Payment Card Transaction Values and Number of Cards in Circulation by Type, 2011-2020
Figure 11: The Netherlands - Volume and Value of Payment Card Transactions by Type (%), 2011-2020
Figure 12: The Netherlands - Personal and Commercial Card, Transaction Volumes and Values (%), 2011-2020
Figure 13: The Netherlands - Growth in Debit Card Transaction Values and Number of Debit Cards in Circulation, 2011-2020
Figure 14: The Netherlands - Pay Now, Average Interchange Fees: Intra-Network Transactions (%), 2011-2015
Figure 15: The Netherlands - Pay Now, Average Merchant Service Charge: Domestic Transactions (%), 2011-2020
Figure 16: The Netherlands - Debit Card Transaction Volumes and Values by Channel, 2011-2020
Figure 17: The Netherlands - Debit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2015
Figure 18: The Netherlands - Growth in Credit Card Transaction Values and Number of Credit Cards in Circulation, 2011-2020
Figure 19: The Netherlands - Pay Later, Average Interchange Fees: Intra-Network Transactions (%), 2011-2015
Figure 20: The Netherlands - Pay Later, Average Merchant Service Charge: Domestic Transactions (%), 2011-2020
Figure 21: The Netherlands - Credit Card Transaction Volumes and Values by Channel, 2011-2020
Figure 22: The Netherlands - Credit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2015
Figure 23: The Netherlands - Growth in Charge Card Transaction Values and Number of Charge Cards in Circulation, 2011-2020
Figure 24: The Netherlands - Charge Card Transaction Volumes and Values by Channel, 2011-2020
Figure 25: The Netherlands - Charge Card Scheme Shares in Terms of Transaction Value (%), 2015
Figure 26: The Netherlands - Number of Commercial Cards in Circulation and Transaction Value, 2011-2020
Figure 27: The Netherlands - Number of Prepaid Cards in Circulation and Transaction Value, 2011-2014
Figure 28: The Netherlands - Merchant Acquiring Transaction Volume and Value, 2011-2020
Figure 29: The Netherlands - Acquirers' Market Share in Terms of Transaction Volume and Value (%), 2015
Figure 30: The Netherlands - Number of Retail Outlets and Card Accepting Merchants (Thousand), 2011-2020

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