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Sector Analysis
Payments Landscape in Portugal: Opportunities and Risks to 2022
GlobalData’s "Payments Landscape in Portugal: Opportunities and Risks to 2022", report provides detailed analysis of market trends in Portuguese cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash, credit transfers, direct debits, cards, and cheques during the review-period (2014-18e). The report also analyzes various payment card markets operating in the industry, and provides detailed information on the number of cards in circulation, transaction values and volumes during the...
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Sector Analysis
Payments Landscape in Cambodia: Opportunities and Risks to 2022
GlobalData’s "Payments Landscape in Cambodia: Opportunities and Risks to 2022", report provides detailed analysis of market trends in Cambodian cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cards and cheques during the review-period (2014-18e). The report also analyzes various payment card markets operating in the industry, and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period...
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Sector Analysis
Retail Banking Market Dynamics: Spain 2018
The Spanish retail mortgage and personal loan markets contracted during 2013-17, but are expected to recover over the next five years. Conversely, the credit card loans market - which reported a robust performance during 2013-17 - is expected to decelerate in the next five years. The average net interest margin for Spain was lower than France and Italy during 2013-17. The cost/income ratio also remained lower in Spain. This report identifies macroeconomic and competitive dynamics that impact upon the Spanish...
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Sector Analysis
UK Savings 2018: Review, Forecasts, and Future Opportunities
The UK retail savings market has been characterized by low levels of competition and low returns for several years. However, both competition and returns are increasing, albeit incrementally. Interest differentials between sight and time deposits are now diverging after a period of convergence. The end of cheap funding for banks has led to a steady increase in interest rates, but consumer inertia still prevails to the benefit of the big four banks (Barclays, HSBC, Lloyds Banking Group, and RBS Group)....
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Analyst Opinions
Alternative Payment Solution: Paytm
Paytm is the leading alternative payment solution in India. Owned by One97 Communications, Paytm initially began its operations as an e-commerce marketplace in India in 2010. Four years later, the company launched the Paytm Wallet, which can now be used for both online and in-store payments. Funds can be loaded onto the wallet via online banking, debit cards, and credit cards. The wallet, initially used only on Paytm’s own online marketplace for e-commerce and bill payments, is now widely accepted...
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Analyst Opinions
Alternative Payment Solution: MobilePay
MobilePay is a popular mobile payment solution in Denmark. Launched as a money transfer app by Danske Bank in 2013, it later extended its offering to include online, in-app and in-store payments. It allows users to make fund transfers between friends, family and businesses using their mobile number. Users can store card details within the MobilePay app, which can be used for payments at online and offline merchants. To make online payments, users choose MobilePay at the checkout and approve...
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Analyst Opinions
Alternative Payment Solution: Pingit
Pingit was the UK’s first instant mobile payments app, introduced by Barclays in 2012. Initially launched as a P2P payment service between individuals, it extended its service for merchants, allowing them to accept payments for online and offline purchases. The service was initially only offered to Barclays account holders, before being extended to all UK residents with a UK-registered mobile number and UK bank account. The app can be downloaded from the App Store, Google Play Store and the Windows...
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Analyst Opinions
Payment Company Profile: Square
Square is a US-based payment services provider. It enables businesses to accept payments through methods including debit and credit cards issued by all major scheme providers (including Visa, Mastercard, American Express, Diners Club, and China UnionPay), as well as NFC-based solutions such as Google Pay and Apple Pay. For offline payments, Square offers an array of traditional and mobile point of sale (mPOS) solutions for payment acceptance via magnetic stripe, chip, and NFC cards and payment solutions. It also enables...
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Analyst Opinions
Alternative Payment Solution: Yandex.Money
Yandex.Money is one of the most popular payment solutions in Russia. It was launched in July 2002, as a joint venture between Yandex and PayCash Group, before Yandex later became the sole owner. In July 2013, however, Yandex sold a 75% stake in Yandex.Money to Sberbank, and is now a minority stakeholder in the joint venture. Yandex.Money allows users to make both online and offline payments, as well as P2P fund transfers. It offers online checkout through Yandex.Checkout, allowing online...
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Analyst Opinions
Alternative Payment Solution: TransferWise
TransferWise is a global cross-border money transfer solution. Founded in the UK in March 2010, the solution now enables users to transfer money globally in 49 currencies to recipients’ bank accounts. TransferWise operates on a P2P money transfer model with a network of international accounts around the world. Instead of transferring the sender's money directly to the recipient in the foreign country, TransferWise redirects them to the recipient of another transfer going in the opposite direction, thereby eliminating the need...
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