The Cards and Payments Industry in Slovenia: Emerging trends and opportunities to 2020

Table of Contents

1. EXECUTIVE SUMMARY 2

1.1. Market overview 2

1.2. Key facts 4

1.3. Top five industry events 5

2. PAYMENT INSTRUMENTS 11

2.1. Current payment environment 11

3. E-COMMERCE AND ALTERNATIVE PAYMENTS 13

3.1. E-commerce market analysis 13

3.2. Alternative payment solutions 15

3.2.1. PayPal 15

3.2.2. Intesa Sanpaolo Bank – QL and Wave2Pay 15

3.2.3. Skrill Digital Wallet 15

3.2.4. Moneta 16

3.2.5. Fondy 16

4. REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY 17

4.1. Regulatory framework 17

4.1.1. SEPA cards framework 17

4.2. Anti-money laundering 18

4.3. Foreign direct investment (FDI) regulations 18

5. ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS 19

6. PAYMENT CARDS 22

7. DEBIT CARDS 24

7.1. Debit card market analysis 24

7.2. Competition in the debit card market 26

7.3. Debit card comparison 28

8. PAY-LATER CARDS 29

8.1. Pay-later card market analysis 29

8.2. Competition in the pay-later card market 31

8.3. Pay-later card comparison 32

9. PREPAID CARDS 33

11. APPENDIX 35

11.1. Abbreviations and acronyms 35

11.2. Supplementary data 36

11.3. Definitions 47

11.4. Methodology 49

11.5. Bibliography 51

11.6. Further reading 51

List of Tables

Table 1: Slovenia: key facts, 2016 4

Table 2: Slovenia: regional benchmarking of payment cards, 2016 4

Table 3: Slovenia: mode of entry of foreign banks 18

Table 4: Slovenia: debit card comparison and key features, 2016 28

Table 5: Slovenia: gold credit card comparison and key features, 2016 32

Table 6: Slovenia: payment instrument transaction values (€m), 2012-16e 36

Table 7: Slovenia: payment instrument transaction values ($m), 2012-16e 36

Table 8: Slovenia: payment instrument transaction volumes (millions), 2012-16e 36

Table 9: Slovenia: payment cards in circulation by type (000s), 2012-20f 36

Table 10: Slovenia: volume of payment card transactions (millions), 2012-20f 37

Table 11: Slovenia: value of payment card transactions (€bn), 2012-20f 37

Table 12: Slovenia: value of payment card transactions ($bn), 2012-20f 37

Table 13: Slovenia: debit cards in circulation (millions), 2012-20f 37

Table 14: Slovenia: debit card transaction volumes, 2012-20f 38

Table 15: Slovenia: debit card transaction values (€), 2012-20f 38

Table 16: Slovenia: debit card transaction values ($), 2012-20f 38

Table 17: Slovenia: debit cards in circulation by scheme (000s), 2012-16e 39

Table 18: Slovenia: debit card transaction values by scheme (€m), 2012-16e 39

Table 19: Slovenia: debit card transaction values by scheme ($m), 2012-16e 39

Table 20: Slovenia: debit card transaction values by issuer (€m), 2012-16e 39

Table 21: Slovenia: debit card transaction values by issuer ($m), 2012-16e 39

Table 22: Slovenia: pay-later cards in circulation (000s), 2012-20f 40

Table 23: Slovenia: pay-later card transaction volumes, 2012-20f 40

Table 24: Slovenia: pay-later card transaction values (€), 2012-20f 40

Table 25: Slovenia: pay-later card transaction values ($), 2012-20f 40

Table 26: Slovenia: pay-later cards in circulation by scheme (000s), 2012-16e 41

Table 27: Slovenia: pay-later card transaction values by scheme (€m), 2012-16e 41

Table 28: Slovenia: pay-later card transaction values by scheme ($m), 2012-16e 41

Table 29: Slovenia: pay-later card transaction values by issuer (€m), 2012-16e 41

Table 30: Slovenia: pay-later card transaction values by issuer ($m), 2012-16e 42

Table 31: Slovenia: credit cards in circulation (000s), 2012-20f 42

Table 32: Slovenia: credit card transaction volumes, 2012-20f 42

Table 33: Slovenia: credit card transaction values (€), 2012-20f 42

Table 34: Slovenia: credit card transaction values ($), 2012-20f 43

Table 35: Slovenia: credit cards in circulation by scheme (000s), 2012-16e 43

Table 36: Slovenia: credit card transaction values by scheme (€m), 2012-16e 43

Table 37: Slovenia: credit card transaction values by scheme ($m), 2012-16e 43

Table 38: Slovenia: charge cards in circulation (000s), 2012-20f 44

Table 39: Slovenia: charge card transaction volumes, 2012-20f 44

Table 40: Slovenia: charge card transaction values (€), 2012-20f 44

Table 41: Slovenia: charge card transaction values ($), 2012-20f 44

Table 42: Slovenia: charge cards in circulation by scheme (000s), 2012-16e 45

Table 43: Slovenia: charge card transaction values by scheme (€m), 2012-16e 45

Table 44: Slovenia: charge card transaction values by scheme ($m), 2012-16e 45

Table 45: Slovenia: prepaid cards in circulation (000s), 2012-20f 45

Table 46: Slovenia: prepaid card transaction values (€m), 2012-20f 46

Table 47: Slovenia: prepaid card transaction values ($m), 2012-20f 46

Table 48: Key definitions 47

List of Figures

Figure 1: Slovenia: payment instrument shares by transaction value (%), 2012 vs 2016 11

Figure 2: Slovenia: payment instrument shares by transaction volume (%), 2012 vs 2016 12

Figure 3: Slovenia: e-commerce market value, 2012-20f 13

Figure 4: Slovenia: population and economic indicators 19

Figure 5: Slovenia: ATMs, POS terminals and household consumption 20

Figure 6: Slovenia: payment card transaction value and cards in circulation, 2012-20f 22

Figure 7: Slovenia: debit card penetration and turnover per card 24

Figure 8: Slovenia: debit card scheme and issuer transaction value shares, 2016 26

Figure 9: Slovenia: pay-later card penetration and turnover per card 29

Figure 10: Slovenia: pay-later card scheme and issuer transaction value shares, 2016 31

Figure 11: Slovenia: prepaid cards in circulation (000s) and transaction value ($m), 2012-20f 33