List of Tables
Table 1: Consumer perceptions of the features on their credit card by brand 13
Table 2: UK prepaid cards by number of cards in issue by brand and issuing group 36
Table 3: Prepaid transaction by type, frequency, value and average balance per card per year 38
Table 4: Current relevant publications, 2008-09 50
Table 5: Future relevant publications, 2009 51
List of Figures
Figure 1: Following the merger with HBOS, Lloyds now dominates the market 6
Figure 2: The newly formed Lloyds Group is now the UK market leader with 22.3% of cards in issue in H1 09 7
Figure 3: Barclaycard is the largest player by brand ahead of both Lloyds TSB, and HBOS 8
Figure 4: Barclaycard by far has the highest number of primary cards in the market 9
Figure 5: Tesco and John Lewis/Waitrose are the primary card for more than 75% of their customers 10
Figure 6: 40% of Barclaycard's cards in issue are premium branded 11
Figure 7: There were 278 million transactions made on Barclaycard branded credit cards in 2008, ahead of NatWest and Lloyds TSB branded products 15
Figure 8: Transaction values follow a very similar pattern to transaction numbers, with Barclaycard and NatWest leading the market in 2008 16
Figure 9: Regardless of total transaction values, average spend per transaction is highly variable 17
Figure 10: Tesco and American Express have the highest proportion of cards that are used all the time 18
Figure 11: Lloyds Group now has the highest level of balances outstanding, followed closely by MBNA 19
Figure 12: Lloyds holds 21% of the market by balances outstanding but is closely followed by MBNA at 20% 20
Figure 13: Citigroup has the highest average balance per card, growing 30% since June 2007 22
Figure 14: Repayment rates are higher for cards with rewards and incentives, with cardholder most likely to revolve on Virgin Money and MINT cards 23
Figure 15: The number of debit cards in issue has increased in H1 2009 25
Figure 16: The debit card market is evenly divided between the dominant big leading banks 26
Figure 17: POS makes up more than 70% of all debit transactions by volume 27
Figure 18: POS accounts for 60% of all debit transactions by value 28
Figure 19: Average spend levels are highly variable by issuer 29
Figure 20: Santander is by far, the dominant issuing group of private label cards as at H1 2009 30
Figure 21: Debenhams is the leading brand for private label store cards 31
Figure 22: The private label sector is fragmented, with Debenhams leading with a 17% market share 32
Figure 23: The overall number of cancelled private label cards in the UK market is high 33
Figure 24: With the highest brand awareness, Virgin and PayPal lead the prepaid cards market 34
Figure 25: The prepaid cards sector is dominated by four issuers accounting for 75% of the market 35
Figure 26: POS dominates prepaid card usage, with £5.5 billion of POS transactions in 2008 37
Figure 27: Barclaycard used viral marketing techniques as part of its campaign 40
Figure 28: MyBarclaycard will offer users in-depth online card management services 42
Figure 29: Barclaycard is strengthening its branding with younger consumers through strategic sponsorship 43
Figure 30: The Santander rebranding of Abbey has begun in London 45
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