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Home » Reports Store » Research Reports » Credit Card Profitability » Credit Card Profitability: Asia-Pacific

Credit Card Profitability: Asia-Pacific

Countries covered: Australia, Bangladesh, China, Hong Kong, India, Indonesia, Japan, Malaysia, New Zealand, Pakistan, Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam

Author: Lafferty Research

Publishing date: October 2016

As economic and political uncertainty continues to threaten growth and investment in the West, Asia-Pacific's importance is markedly increasing: the potential, in a word, is massive.

The most attractive feature of Asia-Pacific's credit cards market is its scale. Compared to regions like North America and the Middle East in particular, profit per card is lower in Asia-Pacific, but the size of individual markets means that issuers can hope to build a large customer base to create economies of scale.

The 16 markets included in this report comprise over half of the world's population; the region is the most heterogeneous in the world, with each market having a unique and interesting story to tell. Markets range from emerging to highly developed. Additionally, there are large cultural differences across the region, with key markets presenting unique challenges. Consequently, there are very few players with an extensive regional presence.

Credit Card Profitability: Asia-Pacific looks at the region's top cards markets to unmask the peculiar and individual characteristics of these various countries and addresses significant issues, including:

  • The dynamics and key metrics behind credit card profitability
  • How and why credit card revenue streams are changing
  • The effects of -- and trends in -- credit losses
  • How differing consumer attitudes to credit affect profitability
  • How the unique characteristics of the region's cards markets affect the region's profit pools

Credit Card Profitability: Asia-Pacific also provides you with critical data for each country, including:

  • card numbers by type, including credit, debit, prepaid
  • billed volume on credit cards (POS, ATM, total)
  • number of transactions on credit cards (POS, ATM, total)
  • average transaction value on credit cards (POS, ATM, total)
  • credit card profitability indicators (rollover rates, net credit losses, interchange fees)
  • Lafferty Group's unique credit card profit pool calculation
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