Middle East/Africa: Purchase Volume 2015 vs. 2014
Middle East/Africa: Purchase Volume 2015 vs. 2014
Middle East/Africa: Purchase Volume 2015 vs. 2014
Visa/PayPal Partnership
A new agreement between Visa and PayPal will send more card
payments over the Visa network and expand PayPals reach into
in-store sales in the U.S. PayPal will no longer solicit consumers
> see p. 12
Middle East/Africa
57%
39%
3%
1%
Visa
Mastercard
Amex
Diners
+63
Change in
Basis Points
+5
17
52
> see p. 9
14
15
Mastercard
14
15
Amex
14
15
Diners
14
15
153.5
175.3
102.6
120.2
7.2
7.8
3.1
3.7
2016
The Nilson Report
> see p. 5
> see p. 8
CHARTS 7
8
> see p. 10
10
11
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Credit
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in 115
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Asia/Pacific,
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ELAVON, the 5th largest U.S. acquirer, has renewed its merchant payment
processing agreement with Capital Bank, which operates 152 branches in the
Southeast U.S. Guy Harris is President, North America, at Elavon,
(678) 731-5070, guy.harris@elavon.com, www.elavon.com. Zahid Afzal is
Chief Technology and Operations Executive at Capital Bank, (919) 645-0868,
zahid.afzal@capitalbank-us.com, www.capitalbank-us.com.
ALLIANCE DATA CARD SERVICES will purchase The Childrens Place
private label credit card portfolio and will launch and manage a new loyalty
and private label credit card program for the childrens clothing brand.
Melissa Miller is President at Alliance Data Card Services, (614) 729-4900,
melisa.miller@alliancedata.com, www.alliancedata.com.
FIRST DATA and BYPASS have formed a partnership to bring EMVcompliant card acceptance to food and beverage concessions at stadiums,
arenas, and concert venues. First Data contributes its Clover family of pointof-sale devices and business management software. Bypass provides backoffice software specific to those vendors. Brandon Lloyd is CEO at Bypass,
(512) 217-5545, blloyd@bypassmobile.com, www.bypassmobile.com.
Dan Charron is EVP, Head of Global Business Solutions at First Data,
(404) 890-2000, daniel.charron@firstdata.com, www.firstdata.com.
2016 HSN Consultants, Inc. THE NILSON REPORT
HSN Consultants, Inc. 2015 THE NILSON REPORT
CAP COM FEDERAL CREDIT UNION will use Vantiv to provide debit,
credit, and prepaid card account processing. The credit union has 126,000
members. Bill Hampton is General Manager, Financial Institution Services at
Vantiv, (913) 254-7781, bill.hampton@vantiv.com, www.vantiv.com.
Diana VanAmerongen is Chief Banking Officer at CAP COM FCU,
(518) 458-2195, dvanamerongen@capcomfcu.org, www.capcomfcu.org.
ACI WORLDWIDES SaaS-based UP eCommerce Payments provides
merchants worldwide with more than 350 alternative payment methods and
connections to acquirers in over 160 countries, as well as plug-ins to all major
ecommerce shopping carts. Also included is fraud fighting capabilities.
Mike Braatz is Chief of Product Officer, (781) 370-3600, michael.braatz@
aciworldwide.com, www.aciworldwide.com.
Management Changes
Ray Wizbowski has been appointed Chief Marketing Officer at
Entrust Datacard, (952) 988-1279, ray.wizbowski@
entrustdatacard.com. Julie Yang has been appointed
Senior Vice President, Core Business, China at Mastercard,
86 (21) 6105-1900, julie.yang@mastercard.com. Shawn Zheng has
been appointed Senior Vice President, Account Management,
China at Mastercard, 86 (10) 8519-9300, shawn.zheng@
mastercard.com. Yvonne Stelpflug has been appointed Vice
President of Operations at TMG, (515) 457-2000, yvonne.stelpflug@
tmg.global.
4
3
FIME has been accredited by JCB to support issuing banks with JCB EMV
migration and certification projects to confirm that their contactless, mobile
J/Speedy v3.0 products are personalized correctly. Arnaud Peninon is VP Asia-Pacific and Global Laboratories at Fime Asia, 886 (2) 6636-0430,
arnaud.peninon@fime.com, www.fime.com.
MASTERCARD will offer Apple Pay to issuers in France, along with the
Mastercard Digital Enablement Service, which creates a unique device
account number (token) that is encrypted and stored in the secure element
on the iPhone or Apple Watch. Bart Willaert is General Manager, France at
Mastercard, 33 (1) 4273-8104, bart.willaert@mastercard.com,
www.mastercard.com.
COMPUTOP, a payment service provider that processes $17 billion annually
for more than 10,000 large international merchants and other partners, now
offers those customers the Amazon Payments interface, used by more than
300 million Amazon customers in online stores worldwide. Ralf Gladis is CEO
at Computop, 49 (951) 980-090, gladis@computop.com, www.computop.com.
Featured Conference
20%
DYNAMIC
CHECKOUT
BUTTONS
PRESENT AN
ISSUERS
CORPORATE
LOGO WHEN
CARDHOLDERS
MAKE A
PAYMENT
ONLINE
CEO at VocaLink
in London,
United Kingdom,
44 (203)
818-4600,
david.yates@vocalink.com,
www.vocalink.com.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
Issuer
JPMorgan Chase
Bank of America
Citibank
Capital One
Barclays
Wells Fargo
U.S. Bank
Synchrony Financial
USAA
Cabelas WFB
Navy FCU
PNC
TD Bank
First Natl Nebraska
Alliance Data
ICBA Bancard
Fifth Third
Nordstrom
Credit One
BB&T
State Farm
Pentagon FCU
Consumer
All
Percent Basis Pt.
Purch. Vol. Purch. Vol. Consumer Chg. vs.
(bil.)
(bil.)
2015
2014
$433.28
$210.12
$177.48
$169.51
$64.31
$61.93
$52.14
$42.20
$35.69
$20.78
$13.90
$11.45
$10.23
$9.90
$8.67
$5.85
$5.41
$5.13
$5.06
$4.63
$3.39
$3.21
$541.88
$285.31
$219.40
$210.33
$65.21
$108.26
$107.85
$42.20
$35.69
$20.78
$13.98
$27.88
$11.49
$14.05
$8.67
$5.85
$10.59
$5.40
$5.06
$8.18
$3.69
$3.21
79.96%
73.65%
80.89%
80.59%
98.62%
57.21%
48.34%
100.00%
100.00%
100.00%
99.40%
41.08%
89.00%
70.44%
100.00%
100.00%
51.08%
95.12%
100.00%
56.58%
91.66%
100.00%
49
53
5
145
13
140
43
6
24
125
137
4
212
21
3
Debit
Rank
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
Debit card volume includes prepaid cards. Some prior year figures have been restated.
Issuer
Wells Fargo
Bank of America
JPMorgan Chase
U.S. Bank
PNC
USAA
Regions Bank
TD Bank
Navy FCU
SunTrust
Capital One
BB&T
Fifth Third
Citibank
The Bancorp Bank
Citizens Bank
ICBA Bancard
Green Dot
MetaBank
State Empl. CU N.C.
M&T Bank
KeyBank
Consumer
All
Percent Basis Pt.
Purch. Vol. Purch. Vol. Consumer Chg. vs.
(bil.)
(bil.)
2015
2014
$255.90
$255.42
$190.07
$54.64
$53.01
$46.30
$35.32
$32.23
$29.74
$27.73
$27.17
$25.90
$24.61
$22.83
$18.63
$17.33
$16.69
$16.06
$13.37
$11.58
$10.99
$10.22
$287.00
$290.35
$204.76
$59.06
$59.30
$46.30
$37.93
$36.17
$30.04
$32.00
$28.40
$30.08
$26.71
$28.41
$39.99
$19.80
$16.69
$16.06
$27.98
$11.58
$12.03
$11.49
89.17%
87.97%
92.83%
92.52%
89.40%
100.00%
93.12%
89.11%
98.98%
86.66%
95.65%
86.10%
92.14%
80.33%
46.59%
87.53%
100.00%
100.00%
47.79%
100.00%
91.36%
88.91%
4
63
213
1
14
82
167
8
35
3
3
27
63
601
0
30
22
4
Company
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.
26.
47.
48.
49.
50.
Rank
Purchase Volume
(mil.)
Chg.
$32,296.7
$27,942.2
$16,387.4
$16,055.0
$12,847.0
$6,767.3
$4,664.7
$4,593.9
$3,532.1
$3,089.5
$2,924.7
$2,782.8
$2,121.4
$1,492.2
$1,382.6
$1,119.2
$936.3
$735.0
$672.1
$620.9
$483.7
$341.2
$301.2
$196.2
$135.2
$102.9
$88.0
$86.7
$56.5
$36.7
$33.2
$27.9
$25.2
$22.4
$18.7
$17.4
$15.7
$14.6
$11.4
$8.0
$6.8
$5.3
$5.3
$4.8
$4.7
$3.1
$2.8
$2.3
$2.2
$1.9
5.4%
33.1%
10.1%
13.4%
8.0%
5.5%
8.5%
4.0%
15.9%
134.1%
5.4%
12.1%
46.4%
10.9%
46.4%
31.1%
27.0%
5.0%
0.2%
132.0%
6.7%
3.4%
15.7%
6.5%
49.0%
14.2%
28.0%
199.1%
20.1%
4.3%
4.7%
18.0%
7.8%
13.5%
1.4%
6.4%
3.4%
12.0%
11.4%
17.2%
5.5%
15.1%
39.8%
48.1%
11.2%
12.8%
8.1%
9.2%
8.3%
16.6%
Cards
83,228
41,550
12,652
4,500
11,160
15,442
2,000
19,726
6,034
2,030
11,851
12,501
4,451
23,626
3,742
4,942
2,112
5,250
570
1,901
349
874
260
2,824
593
189
106
870
74
26
42
27
262
53
184
192
49
13
14
3
55
98
23
2
1,200
131
110
39
71
1
Chg.
10.6%
15.7%
1.7%
4.3%
8.5%
12.9%
14.8%
8.2%
11.3%
78.1%
14.5%
22.0%
109.1%
19.6%
4.1%
12.9%
105.7%
5.0%
1.4%
27.6%
31.4%
4.4%
18.8%
6.0%
6.7%
6.0%
24.9%
34.5%
2.3%
31.4%
8.4%
26.8%
20.0%
14.1%
0.4%
3.4%
26.9%
4.6%
0.5%
3.7%
6.4%
6.9%
13.5%
49.0%
36.4%
18.4%
8.3%
25.0%
41.8%
6.9%
Purchase Trans.
(mil.)
Chg.
767.1
847.1
510.0
565.0
296.8
220.9
143.4
167.4
45.8
133.1
92.5
124.9
73.7
57.8
45.7
29.0
8.9
15.8
13.6
18.0
14.9
15.1
12.4
7.3
4.9
6.3
3.4
1.1
1.8
0.9
0.3
0.9
0.5
0.5
0.8
0.5
0.6
0.3
0.1
0.3
0.5
0.1
0.2
0.1
0.5
0.1
<0.1
<0.1
<0.1
<0.1
2.7%
33.7%
8.2%
10.1%
11.1%
4.7%
6.0%
4.0%
9.2%
117.4%
1.4%
9.6%
26.1%
40.3%
21.8%
23.2%
27.0%
5.0%
9.6%
230.3%
3.8%
3.8%
18.4%
10.8%
11.2%
13.3%
30.9%
22.4%
21.5%
4.6%
5.5%
22.4%
7.7%
13.1%
1.2%
4.5%
78.8%
2.9%
45.7%
12.1%
85.1%
3.9%
33.9%
46.0%
9.5%
7.8%
1.2%
14.2%
11.2%
14.9%
Avg.
Amt.
$42
$33
$32
$28
$43
$31
$33
$27
$77
$23
$32
$22
$29
$26
$30
$39
$105
$47
$49
$34
$32
$23
$24
$27
$28
$16
$26
$80
$31
$41
$110
$30
$51
$43
$23
$32
$27
$51
$105
$30
$14
$41
$26
$34
$10
$21
$35
$31
$28
$143
Brand
1>
2018
2020
1>
46
44
2013
2015
54
52
Visa
2.32
3.87
Mastercard
1.89
3.41
Amex
0.06
0.08
47%
Diners
0.03
0.04
48%
4.29
7.40
67%
81%
73%
61
10
35%
30%
25%
20%
15%
10%
5%
0%
-5%
-10%
-15%
-20%
-25%
Mastercard
Visa
Amex
Diners
01
03
05
07
09
11
13
15
Volume (bil.)
Purchases Chg.
Visa
$546.07
12.1%
$175.35 14.2%
$370.73 11.1%
4,630.2 10.2%
2,319.8 13.7%
134.6
Mastercard
$282.09
19.0%
$120.15 17.1%
$161.94 20.5%
2,841.1 20.8%
1,887.1 19.6%
109.7 22.2%
$7.96
8.0%
3.0%
58.1 11.5%
56.4 11.8%
$3.80
$839.93
20.1%
14.3%
$0.08 27.2%
$532.95 13.8%
28.7 19.6%
7,558.1 14.0%
28.3 19.5%
4,291.6 16.3%
Diners Club
Totals
$7.76
8.1%
$3.72 20.0%
$306.98 15.2%
$0.20
Chg.
Total
Cards
(mil.)
Chg.
Chg.
American Express
Cash
Transactions (mil.)
Chg.
Purchases Chg.
Total
1.4
6.0%
8.3%
0.4 0.2%
246.2 12.7%
Includes all general purpose consumer and commercial credit, debit, and prepaid cards. Currency figures are in U.S. dollars. Change figures are based on local
currency. Some prior year figures have been restated. Includes Israel. Visa includes Electron. Mastercard excludes Maestro & Cirrus.
2016 The Nilson Report
11
2016 HSN Consultants, Inc. THE NILSON REPORT All Rights Reserved. Reproducing or allowing reproduction or dissemination of any portion of this newsletter in any manner for any purpose is strictly
prohibited and may violate the intellectual property rights of HSN Consultants, Inc. dba The Nilson Report.
Visa/PayPal Partnership
from page 1...
12