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The Cards and Payments Industry in Spain: Emerging Trends and Opportunities to 2020, GlobalData

The Cards and Payments Industry in Spain: Emerging Trends and Opportunities to 2020, GlobalData

  • April 2017
  • 65 pages
  • ID: 3713525
In this report:
According to the European Central Bank, interest on revolving loans and overdrafts to households fell from ##.##% in January 2011 to ##.##% in January 2015.
According to the International Organization for Migration, immigrants accounted for ##.##% of Spain's population in 2015.
According to Visa Europe, there were ##,## contactless POS terminals in Spain as of July 2015 - equivalent to ##.##% of the installed base.


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


GlobalData's "The Cards and Payments Industry in Spain (ES): Emerging Trends and Alternatives to 2020", report offers exhaustive analysis of market trends in the Spanish cards and payments industry. It offers values and volumes for a number of top performance indicators in the industry, including credit transfers, direct debit, check payments, payment cards and cash transactions during the review period (2012-2016).

The study also analyzes several payment card markets operating in the industry, and provides exhaustive 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 data on the country's challenging landscape, containing the market shares of issuers and schemes.

The analysis offers together GlobalData's research, modeling, and analysis expertise to allow banks and card issuers to recognize segment dynamics and ambitious advantages. The market research also covers details of regulatory policy and new changes in the regulatory structure.

The uptake of alternative payments among Spanish consumers is gaining traction, with worldwide payment solution providers launching their solutions in the sector - the recent initiative being the introduction of Apple Pay in December 2016. In January 2016, CaixaBank signed an agreement with Samsung Electronics to add Samsung Pay to its mobile payment service. Customers of CaixaBank and its imaginBank subsidiary were the first in Spain to access the Samsung Pay service. This service is accepted in all stores that accept contactless payments, with the number of payment terminals amounting to over 600,000.

The Spanish government introduced a additional regulation in October 2015, according to which either a bank or ATM network operator can charge consumers for cash withdrawals, but not both. In response, banks and ATM network operators amended fee structures to reduce global charges for consumers. Bankia, Banco Sabadell and ATM provider Euro 6000 agreed to cap fees at US$0.62 (EUR0.65), effective from January 2016. While this initiative was introduced to protect consumer interests, it is anticipated to encourage use of payment cards among Spanish consumers.

The emergence of digital-only banks is likely to accelerate the shift towards electronic payments in Spain (ES). The mobile-only imaginBank, launched by CaixaBank in January 2016, offers banking services exclusively through mobile apps and social networks. Through the mobile app, consumers can apply for current accounts, credit cards and consumer loans, manage personal finances and make person-to-person (P2P) payments. Users can also use the imaginBank Facebook application to find out bank balances and view new transactions.

This business report also offers top-level market analysis, info and business insights into the Spanish cards and payments industry, including -

- Current and forecast values for each market in the Spanish cards and payments industry, including debit, credit and charge cards.

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

- E-commerce market analysis and payment methods.

- Analysis of different market drivers and regulations governing the Spanish 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 challenging landscape in the Spanish cards and payments industry.


- This industry report offers a exhaustive analysis of the Spanish cards and payments industry.

- It offers current values for the Spanish cards and payments industry for 2016, and forecast figures to 2020.

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

- It outlines the current regulatory framework in the industry.

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

Great reasons to purchase

- Make tactical business decisions, using top-level historic and forecast market data, related to the Spanish cards and payments industry and each market within it.

- Comprehend the top market trends and growth opportunities in the Spanish cards and payments industry.

- Assess the ambitious dynamics in the Spanish cards and payments industry.

- Gain insights into marketing strategies used for different card types in Spain (ES).

- Gain insights into main regulations governing the Spanish cards and payments industry.

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