Gran crecimiento en tarjetas de débito February 13, 2008
Posted by inza in : Banca , add a commentVisto en ATM Marketplace
Western Europe sees strong debit-card growth
LONDON — The number of payment cards in Western Europe increased by 9 percent from 2004 to 2006, hitting a total of 787 million, according to research firm Retail Banking Research Ltd. Each adult in the region now has more than two payment cards.
According to RBR, the United Kingdom remains the region’s largest market, despite a fall in its card numbers as a result of credit-card issuers closing dormant accounts.
In its latest report, “Payment Cards Western Europe 2008,” RBR releases its latest cards-related research.
Key findings from 17-country study include:
- 787 million payment cards in Western Europe
- Debit cards continue to dominate
- Closure of dormant accounts in the U.K. causes 8 percent fall in credit cards in issue
- Cardholding reaches two per adult
- Private-label cards increasingly being converted to “bank cards”
- Card usage growing faster than cardholding
- Average transactions per terminal remain stable
- Third-party processors extend national presence
- Several countries lagging in EMV migration
Six countries account for more than 80 percent of cards in the region, with the U.K. remaining the largest with 161 million cards. Germany is second with 127 million cards. Following in card numbers, some way behind, are France, Spain, Turkey and Italy.
At the other end of the scale, Finland, Austria, Denmark and Ireland are all home to fewer than 10 million cards.
Western Europe’s largest card markets in 2006
| Country | Cards (million) | Share |
| UK | 160.9 | 20.5% |
| Germany | 126.8 | 16.1% |
| France | 96.5 | 12.3% |
| Spain | 90.2 | 11.5% |
| Turkey | 87.1 | 11.1% |
| Italy | 69.7 | 8.9% |
| Others | 155.3 | 19.7% |
| Total | 786.6 | 100.0% |
Debit
The number of debit cards increased by 10.4 percent between 2004 and 2006, reaching 406 million. More than half of cards issued in Western Europe are debit cards, while one-third are credit cards. The remaining 15 percent are charge cards.
Most countires have more debit than credit cards. However, in Austria, Belgium, Germany, the Netherlands and Turkey debit cards account for more than three-fifths of the market.
Issuance of prepaid cards, included in the debit sector, remains under‑developed, although such cards are expected to gain in importance over the next few years as banks target people who do not hold bank accounts, and as companies use them to control employee expenditure.
Share of payment cards in Western Europe in 2006
The number of credit cards in the U.K. fell 7.9 percent between 2004 and 2006. This was primarily a result of the closure of dormant accounts.
Because of the U.K.’s dominance in the cards market, the result has been a decrease of 0.2 percentage points in the Western European share of credit cards between 2004 and 2006.
In most countries, however, credit cards are driving growth. The number of such cards in Italy rose by 64 percent and in Norway by 32 percent. In a number of countries, charge cards are being reissued as credit cards.
The U.K., France, Greece and Ireland are the only countries where credit cards outnumber debit cards.
In France, the majority of credit cards are issued by private-label companies, as French banks historically did not have expertise in assessing credit histories.
In Greece and Ireland the higher proportion of credit cards relates to the relatively recent establishment of debit-card systems.
As for the U.K., the abundance of credit cards dates back to the relaxation of regulations governing the granting of consumer credit in the 1980s and the economic boom later that decade.
Western Europe’s fastest-growing credit card markets, 2004-2006
| Country | Cards(million) | Growth2004-2006 (million) | Growth Rate2004-2006 |
| Italy | 14.0 | 5.5 | 64.2% |
| Norway | 3.3 | 0.8 | 31.8% |
| Portugal | 4.7 | 1.0 | 27.2% |
| Sweden | 5.2 | 1.1 | 27.0% |
| Finland | 3.0 | 0.7 | 26.9% |
| Denmark | 1.8 | 0.4 | 24.4% |
| Others | 227.6 | 11.0 | 5.1% |
| Total/Average | 259.5 | 20.3 | 8.5% |
All countries in the region have at least one card per adult, and eight (the U.K., Norway, Spain, Sweden, the Netherlands, Finland, Switzerland and Portugal) have more than two per adult.
Ten countries have more than one debit card per adult.
Cardholding in Western Europe in 2006
Financial institutions are by far the most important issuers of payment cards and account for 83 percent of cards in circulation — an increase of 1 percentage point from two years ago.
Private-label cards are being converted to “bank cards” as issuers have added the MasterCard or Visa brand to extend their acceptance network.
One such example is Cetelem, which issues the Aurore card, known as Aurora or Aura. As a result, the share of private-label cards has declined by 1 percentage point since 2004, hitting 16 percent.
The only countries where private-label cards account for more than a quarter of the national market are France, Sweden, Finland, Denmark and Switzerland. These are all countries where the use of cards for payment is well-established.
Card usage growing faster than cardholding
A total of 27.2 billion card payments were made in the region in 2006, a rise of 17 percent from the 2004 figure of 23.2 billion payments. Transaction volumes are thus growing considerably faster than card numbers.
Debit cards are the dominant form of card payment based on volumes, accounting for 63 percent of transactions despite that the fact they account for only 52 percent of cards.
In contrast, credit cards payment volumes stand at only 17 percent, compared with 33 percent of cards in circulation.
The comparatively low volume of credit cards is partly attributable to the significant share of private-label cards, which tend to be used only occasionally to fund high-value purchases.
Third-party processors extend national presence
Card processing in Europe has remained nationally based. However, third -party processors have been extending their presences across Europe.
First Data Corp., which was acquired by Kohlberg Kravis Roberts & Co in 2007, offers third-party processing services in a number of Western European countries.
KKR’s takeovers include Austrian Payment Systems Services in Austria and GZS of Germany in 2005.
Also in 2005 International Card Service, a Fortis subsidiary in the Netherlands specialising in credit cards, formed a joint venture in acquiring with First Data International called European Merchant Services.
Another significant player is Atos Origin, which acquired Belgium’s Banksys and Bank Card Company in 2006. The former runs Belgium’s debit-card system and the latter is the country’s main Visa and MasterCard acquirer.
Several countries lagging in EMV migration
Western European countries are at different stages in the migration of cards, POS terminals and ATMs to EMV standards.
There are a number of drivers of EMV, including the liability shifts introduced by MasterCard and Visa, reduction in lost and stolen card fraud, and the likelihood of fraud migration from countries that have implemented EMV into those that have not.
Some countries, notably the U.K. and France, have made considerable headway in EMV migration: More than 95 percent of bank-issued cards, POS terminals and ATMs were EMV-compliant by April 2007 in both countries.
Many Western European countries lag, however. Among those lagging are Greece, Italy, Netherlands, Portugal and Spain for payment cards; Finland, Germany, Italy, the Netherlands and Sweden for POS terminals; and Greece and Italy for ATMs.
Estrategia Bricks and Bits December 1, 2007
Posted by inza in : Banca, Paleoinformática , add a commentProcedente de noticias.com (Actualizada: 03/02/2000)
Banesto anuncia sus planes de futuro en Mundo Internet 2000
Como en años anteriores, Banesto es co-patrocinador de Mundo Internet 2000, el V Congreso Nacional de Usuarios de Internet e Intranet, que se está celebrando en el Palacio de Congresos de Madrid.
En línea con la estrategia “Bricks and Bits”, Banesto anuncia el lanzamiento de su tarjeta Virtual Cash Plus, iniciativa a nivel mundial: un monedero virtual para uso exclusivo por Internet, que permite un uso seguro y anónimo, que no requiere tener cuenta en Banesto y que se puede cargar en cualquier cajero 4B. Asimismo se anuncia el lanzamiento del servicio “SET Fácil” que permite la realización de pagos a través de Internet con la máxima seguridad. El sistema “SET Fácil” es el único en el mundo que permite la emisión de certificados SET online, con lo cual Banesto está definiendo un nuevo estándar para el sector de medios de pago electrónicos. Banesto cuenta además con un stand, donde está dando a conocer su oferta de Servicios Internet y comercio electrónico y sus líneas de colaboración de Colectivos, Empresas y Particulares.
Captura de PIN de tarjetas, grabada en video - skimming November 4, 2007
Posted by inza in : Banca , 1 comment so far
El skimming consiste en copiar la banda magnética de una tarjeta de crédito, utilizando diferentes técnicas de engaño, con la colaboración de personas o con el uso de dispositivos electrónicos adosados a los cajeros automáticos o a los lectores de banda magnética de apertura de esclusas.
El fraude se completa con la captura o memorización del PIN del usuario cuando utiliza el cajero automático o cuando lo teclea en un TPV (terminal punto de venta).
Una de las formas de captura del PIN es grabarlo con una microcámara situada en el cajero automático.
Un caso concreto de captura de códigos PIN (Personal Identification Number) con microcámara se encuentra disponible en la red. Lo que más impresiona es la cara dura de los delincuentes que publican su hazaña en youtube:
http://es.youtube.com/watch?v=jsHzZA3R9Og
Ya sabíamos que estos fraudes se están tecnificando, pero estos videos no se habían visto de forma tan descarada.
Unicaja se marca objetivos cualitativos para los próximos tres años June 17, 2007
Posted by inza in : Banca , add a commentVia “El SOL de Antequera
” Fuente:Pablo J. Guerrero
Unicaja escogió Antequera para celebrar su XIV Convención de Directivos, a la que asisten ciento veinte ejecutivos de la entidad, bajo presidencia de su Presidente Braulio Medel y con asistencia, entre otros, del Director General Miguel Ángel Cabello, Ángel Fernández, Francisco de Paula Molina, Francisco Jiménez, Filippo Faraguna, Gumersindo Ruiz, Salvador Pérez –Jefe de Relaciones Institucionales y uno de los máximos responsables de la perfecta organización de las Jornadas que tienen lugar en dependencias del Antequera Golf–, Salvador Navarro, Francisco Paneque y Pedro Ayllón.
El objetivo principal era el de exponer al cuadro directivo el Plan Trienal que marcará la actuación de la primera entidad financiera andaluza en el trienio 2007-2009, que fue adelantado a los medios informativos por el Presidente de Unicaja, un pletórico Braulio Medel, que radicó la actuación de Unicaja en los objetivos estratégicos de mantener el liderazgo dentro del sistema financiero andaluz, la diversificación de actividades, la adaptación preactiva al entorno, el equilibrio entre dimensión, rentabilidad y riesgo y la consolidación del nuevo modelo de empresa.
Teniendo en cuenta que Unicaja logró un cumplimiento de objetivos del 154 por ciento en el volumen del negocio, un 192 por ciento en el beneficio antes de impuestos, un 111 por ciento en el coeficiente de solvencia y una mejora del 108 por ciento en el índice de morosidad, situando en 870 sus oficinas, todo ello referido a los planes del trienio 2004-2006, Medel adelantó como objetivos cuantitativos –que les ampliaremos en nuestra próxima edición— multiplicar por 1,65 el volumen de negocio respecto al cierre de 2006 (80.000 millones de euros); multiplicar por 1,5 los beneficios (600 millones de euros), un ratio de eficiencia no superior al 40 por ciento, seguir aumentando los recursos propios, aumentar el patrimonio neto hasta 4.000 millones de euros, mantener las calificaciones crediticias que otorgan las agencias internacionales de ratings, llegar a los 2,5 millones de clientes y a las entre 950 y 1.000 oficinas, para lo que piensan extender la red tanto en la zona de actuación habitual como en otras nuevas del resto de España, sin descartar las del extranjero.
Plan trienal de Unicaja 2007-2009
· Objetivos generales: Mantener el liderazgo del sistema financiero andaluz; diversificación de actividades; adaptación preactiva del entorno; equilibrio entre la dimensión, la rentabilidad y el riesgo; consolidación del nuevo modelo de empresa.
· Objetivos cuantitativos: Multiplicar por 1,65 el volumen de negocio; multiplicar por 1,5 el beneficio; aumentar el patrimonio neto hasta 4.000 millones de euros; alcanzar las 1.000 oficinas.