Retailer Consumer Finance and Payment Cards in Europe

Retailer Consumer Finance and Payment Cards in Europe is a report and associated PartnerBASE™ dataset that investigates the market for both retailer point-of-sale finance and co-branded / store cards in 15 countries: Austria; Belgium; Denmark; France; Germany; Italy; the Netherlands; Norway; Poland; Portugal; Russia; Spain; Sweden; Turkey; and the UK. Based on a survey of close to 2,900 major retail brands across these countries, including all significant retailers selling high-value products, the research identifies schemes for consumer finance and payment cards set up by each along with the providers used for these initiatives in each case (including card networks in the case of payment cards).

It classifies these providers in accordance with whether they are external to the retail brands in question or, rather, if they are captive partners owned by them, joint ventures co-owned by them or internally-managed consumer finance or payment card programs. Moreover, by means of both unweighted and weighted analyses, the research highlights not only the providers that hold the most partnerships for these products with retailers but also those that are likely to occupy the most important partnerships.

In addition, in terms of balances outstanding, the report quantifies the value of the market for retailer point-of-sale finance in each country in 2017, simultaneously modelling its likely trajectory since 2013 and forecasting its outlook up to 2021. For each country, it also estimates the number of retailer payment cards in circulation in 2017 alone, setting this in the wider context of the market for all types of credit and other pay later card.

This report and the PartnerBASE™ dataset that comes with it can be used in one or more of the following ways:

  • gain rapid access to a unique pan-European source of intelligence covering virtually all significant retail brands across a wide range of geographies;

  • appreciate how the prevalence of initiatives in retailer consumer finance and payment cards varies by country, by retailer category and by retailer distribution model;

  • evaluate the potential for acquiring the existing consumer finance or co-branded / store card portfolios of retail groups by purchasing equity stakes in captive finance entities or taking over internally-managed schemes;

  • learn more about the growing influence of fintech competitors offering digital solutions, including multi-lender and omni-channel platforms, such as Deko, Divido, Klarna, Kreditech, PayU, Qliro and SeQura, and how these are helping merchants to increase their sales conversion rates.

For further information about this research, please access the table of contents and series prospectus by clicking on the corresponding links to the left-hand side of this page, or e-mail [email protected]

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Finaccord is also able to undertake bespoke research and consulting assignments about this and other subjects. For further information about the types of consulting that Finaccord is able to carry out, please visit our Consulting page.