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CMSPI – IAC State of the Industry Report
CMSPI – IAC State of the Industry Report
Contents Executive Summary
Section 3.2 – Card Network Rule CP and CNP Definitions
63
Section 3.2.1 – Why does the classification matter?
63
6 8
Section 3.2.2 – What is Card-Present and Card-Not-Present? Section 3.3 – Card-Not-Present Payment Challenges
64
Section 1 Overview – A Primer in Payments
65
Section 1.1 – A Model of Card Payments
10
Section 3.3.1 – Ecommerce Cost
65
Section 1.1.1 – Four-Party Card Networks
10
Section 3.3.2 – Card-Not-Present Operational Complexities: Transaction Authorization, Capture, and Settlement
67
Section 1.1.2 – Three-Party Card Networks Section 1.2 – Global Cost Observations
13
Section 3.3.3 – Tokenization Dynamics 68 Section 4 Overview – Payment Methods Around the Globe 74 Section 4.1 – Payments Mix by Region 76 Section 4.1.1 – Payments Mix in the Americas 77 Section 4.1.2 – Payments Mix in Europe and the Middle East 78 Section 4.1.3 – Payments Mix in Asia-Pacific 79 Section 4.2 – Credit and Debit Cards around the World 80 Section 4.2.2 – Credit and Debit Cards in EMEA 82 Section 4.2.3 – Credit and Debit Cards in APAC 83 Section 4.2.4 – Credit and Debit Cards Summary 83 Section 4.3 – The Future of Cash 83 Section 4.3.1 – Cash in the Americas 83 Section 4.3.2 – Cash in EMEA 84 Section 4.3.3 – Cash in APAC 85 Section 4.4 – Digital Payment Methods 86 Section 4.4.1 – Local Payment Methods (LPMs) 86 Section 4.4.2 – Digital Payment Methods Global Developments 88 Section 4.4.3 – Pix Case Study (Brazil): The Poster Child for a Successful APM 93
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Section 1.2.1 – Case Study: Payment Costs in the United States
17
Section 1.2.2 – Cost of Cash vs. Debit Cards Case Study
20
Section 2 Overview – The Payments Supply Chain
28
Section 2.1 – The Card Issuing Industry
32
Section 2.1.1 – Card Issuing Market Shares in the Americas
35
Section 2.1.2 – Card Issuing Market Shares in EMEA
37
Section 2.1.3 – Card Issuing Market Shares in APAC
39
Section 2.1.4 – U.S. Case Study
41
Section 2.2 – The Card Acquiring Industry Section 2.3 – Card Network Industry Overview
43 46
Section 2.3.1 – Card Networks in the Americas
49
Section 2.3.2 – Card Networks in EMEA
51
Section 2.3.3 – Card Networks in APAC
53
Section 3 Overview – Understanding Ecommerce Section 3.1 – In-Store vs Online Commerce Growth Patterns
56
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Section 3.1.1 – Ecommerce Mobile Device Payments – Recent Trends
62
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