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Japan

Cards, Payments & Consumer Banking

Author: Lafferty Research

Publishing date: August 2018

A comprehensive overview of the cards, payments and consumer banking market in Japan.

Japan Research Summary Highlights

  • Japan is a cash-based economy. There is little crime in the country, but card counterfeiting is a legitimate fear. This means that consumers are happy to use cash for low-value transactions.
  • Credit cards are the most popular non-cash payment tool in the country: during 2017, 97 percent of credit card billed volume was carried out at the POS.
  • Debit cards are mostly used to withdraw cash at the ATM. Internationally-branded debit cards have a limited, but growing, presence in the market.
  • In Japan, outstanding balances on credit cards are usually settled in full at the end of the grace period, incurring no interest. This means that the rollover rate, which stood at 13 percent in 2017, is very low by international standards.
  • E-money purses integrated into payment cards and mobile phones for quick and convenient contactless transactions both at the POS and online, are widely used.
  • Merchant revenue and non-interest revenue are major components of credit card revenue, accounting for 44 percent and 29 percent respectively in 2017.

Available for 72 markets, Cards & Payments Research Service Country Reports deliver invaluable market and competitor intelligence on payments cards, e-money, acquiring/processing, retail banking, and consumer credit, plus the key demographic and economic trends shaping each market.

A dedicated team of analysts and researchers use both primary and secondary source data, and conduct in-depth interviews with senior industry executives and experts; each report includes over 320 metrics.

EACH REPORT INCLUDES

Credit Cards:
We have industry leading credit card coverage. We detail the past present and future of the industry through our data and commentary, including:

  • Market size split by consumer and commercial credit cards: number of cards, transaction volume, billed volume
  • Profit pool analysis
  • Competitive landscape: networks, issuers

Debit Cards:

  • Market size: number of cards, transaction volume, billed volume
  • Competitive landscape: networks, issuers

Prepaid Cards:

  • Market size: number of cards, transaction volume, billed volume

Merchant Acquiring

  • Competitive Landscape
  • Pricing
  • Processing Relationships

Subscribers can access the report at LaffertyResearch.com. To order your report or to discuss your subscription options, contact us:

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