TABLE OF CONTENTS
Overview 1
Catalyst 1
Summary 1
Introduction 7
Growth rates 7
Revolving and non-revolving pay later card splits 7
Data representation 7
Foreign exchange rates 7
Definitions of terms used in this Databook 8
Total Payment Cards 9
Total payment card market analysis 9
Total payment card transactions by terminal 15
Total payment cards split by scheme 18
Pay Now Cards 20
Pay now card market analysis 20
Pay now card transactions by terminal 26
Pay now cards split by scheme 29
Pay Later Cards 31
Pay later card market analysis 31
Pay later card transactions by terminal 37
Pay later cards split by scheme 40
Credit cards analysis 42
Charge and deferred debit cards analysis 48
Appendix 54
Further reading 54
How to contact experts in your industry 54
LIST OF FIGURES
Figure 1: Finland, payment cards, number of cards (000s) and turnover per card (€), 2005–14 9
Figure 2: Finland, payment cards, number of transactions (m) and frequency of transactions (tx/card/year), 2005–14 11
Figure 3: Finland, payment cards, value of transactions (€m) and average value of transaction (€), 2005–14 13
Figure 4: Finland, payment cards, number of transactions (m) by type (POS and ATM), 2005–14 15
Figure 5: Finland, payment cards, value of transactions (€m) by type (POS and ATM), 2005–14 17
Figure 6: Finland, pay now cards, number of cards (000s) and turnover per card (€), 2005–14 20
Figure 7: Finland, pay now cards, number of transactions (m) and frequency of transactions (tx/card/year), 2005–14 22
Figure 8: Finland, pay now cards, value of transactions (€m) and average value of transaction (€), 2005–14 24
Figure 9: Finland, pay now cards, number of transactions (m) by type (POS and ATM), 2005–14 26
Figure 10: Finland, pay now cards, value of transactions (€m) by type (POS and ATM), 2005–14 28
Figure 11: Finland, pay later cards, number of cards (000s) and turnover per card (€), 2005–14 31
Figure 12: Finland, pay later cards, number of transactions (m) and frequency of transactions (tx/card/year), 2005–14 33
Figure 13: Finland, pay later cards, value of transactions (€m) and average value of transaction (€), 2005–14 35
Figure 14: Finland, pay later cards, number of transactions (m) by type (POS and ATM), 2005–14 37
Figure 15: Finland, pay later cards, value of transactions (€m) by type (POS and ATM), 2005–14 39
Figure 16: Finland, credit cards, number of cards (000s) and turnover per card (€), 2005–14 42
Figure 17: Finland, credit cards, number of transactions (m) and frequency of transactions (tx/card/year), 2005–14 44
Figure 18: Finland, credit cards, value of transactions (€m) and average value of transaction (€), 2005–14 46
Figure 19: Finland, charge and deferred debit cards, number of cards (000s) and turnover per card (€), 2005–14 48
Figure 20: Finland, charge and deferred debit cards, number of transactions (m) and frequency of transactions (tx/card/year), 2005–14 50
Figure 21: Finland, charge and deferred debit cards, value of transactions (€m) and average value of transaction (€), 2005–14 52
LIST OF TABLES
Table 1: Payment cards definitions of the key terms 8
Table 2: Finland, payment cards, number of cards (000s) and turnover per card (€), 2005–09 10
Table 3: Finland, payment cards, number of cards (000s) and turnover per card (€), 2010–14 10
Table 4: Finland, payment cards, number of transactions (m) and frequency of transactions (tx/card/year), 2005–09 12
Table 5: Finland, payment cards, number of transactions (m) and frequency of transactions (tx/card/year), 2010–14 12
Table 6: Finland, payment cards, value of transactions (€m) and average value of transaction (€), 2005–09 14
Table 7: Finland, payment cards, value of transactions (€m) and average value of transaction (€), 2010–14 14
Table 8: Finland, payment cards, number of transactions (m) and value of transactions (€m) by type (POS and ATM), 2005–09 16
Table 9: Finland, payment cards, number of transactions (m) and value of transactions (€m) by type (POS and ATM), 2010–14 16
Table 10: Finland, payment cards, number of cards by scheme (000s), 2005–09 18
Table 11: Finland, payment cards, number of transactions by scheme (m), 2005–09 18
Table 12: Finland, payment cards, value of transaction by scheme (€m), 2005–09 19
Table 13: Finland, pay now cards, number of cards (000s) and turnover per card (€), 2005–09 21
Table 14: Finland, pay now cards, number of cards (000s) and turnover per card (€), 2010–14 21
Table 15: Finland, pay now cards, number of transactions (m) and frequency of transactions (tx/card/year), 2005–09 23
Table 16: Finland, pay now cards, number of transactions (m) and frequency of transactions (tx/card/year), 2010–14 23
Table 17: Finland, pay now cards, value of transactions (€m) and average value of transaction (€), 2005–09 25
Table 18: Finland, pay now cards, value of transactions (€m) and average value of transaction (€), 2010–14 25
Table 19: Finland, pay now cards, number of transactions (m) and value of transactions (€m) by type (POS and ATM), 2005–09 27
Table 20: Finland, pay now cards, number of transactions (m) and value of transactions (€m) by type (POS and ATM), 2010–14 27
Table 21: Finland, pay now cards, number of cards by scheme (000s), 2005–09 29
Table 22: Finland, pay now cards, number of transactions by scheme (m), 2005–09 29
Table 23: Finland, pay now cards, value of transaction by scheme (€m), 2005–09 30
Table 24: Finland, pay later cards, number of cards (000s) and turnover per card (€), 2005–09 32
Table 25: Finland, pay later cards, number of cards (000s) and turnover per card (€), 2010–14 32
Table 26: Finland, pay later cards, number of transactions (m) and frequency of transactions (tx/card/year), 2005–09 34
Table 27: Finland, pay later cards, number of transactions (m) and frequency of transactions (tx/card/year), 2010–14 34
Table 28: Finland, pay later cards, value of transactions (€m) and average value of transaction (€), 2005–09 36
Table 29: Finland, pay later cards, value of transactions (€m) and average value of transaction (€), 2010–14 36
Table 30: Finland, pay later cards, number of transactions (m) and value of transactions (€m) by type (POS and ATM), 2005–09 38
Table 31: Finland, pay later cards, number of transactions (m) and value of transactions (€m) by type (POS and ATM), 2010–14 38
Table 32: Finland, pay later cards, number of cards by scheme (000s), 2005–09 40
Table 33: Finland, pay later cards, number of transaction by scheme (€m), 2005–09 40
Table 34: Finland, pay later cards, value of transaction by scheme (€m), 2005–09 41
Table 35: Finland, credit cards, number of cards (000s) and turnover per card (€), 2005–09 43
Table 36: Finland, credit cards, number of cards (000s) and turnover per card (€), 2010–14 43
Table 37: Finland, credit cards, number of transactions (m) and frequency of transactions (tx/card/year), 2005–09 45
Table 38: Finland, credit cards, number of transactions (m) and frequency of transactions (tx/card/year), 2010–14 45
Table 39: Finland, credit cards, value of transactions (€m) and average value of transaction (€), 2005–09 47
Table 40: Finland, credit cards, value of transactions (€m) and average value of transaction (€), 2010–14 47
Table 41: Finland, charge and deferred debit cards, number of cards (000s) and turnover per card (€), 2005–09 49
Table 42: Finland, charge and deferred debit cards, number of cards (000s) and turnover per card (€), 2010–14 49
Table 43: Finland, charge and deferred debit cards, number of transactions (m) and frequency of transactions (tx/card/year), 2005–09 51
Table 44: Finland, charge and deferred debit cards, number of transactions (m) and frequency of transactions (tx/card/year), 2010–14 51
Table 45: Finland, charge and deferred debit cards, value of transactions (€m) and average value of transaction (€), 2005–09 53
Table 46: Finland, charge and deferred debit cards, value of transactions (€m) and average value of transaction (€), 2010–14 53
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