Table of Contents
Executive Summary 2
1.1. Market overview 2
1.2. Key facts 4
1.3. Top five industry events 5
2. Payment Instruments 11
2.1. Current payment environment 11
3. E-Commerce And Alternative Payments 13
3.1. E-commerce market analysis 13
3.2. Alternative payment solutions 14
3.2.1. PayPal 14
3.2.2. Wave2Pay 14
3.2.3. Paysafecard 14
4. Regulations In The Cards And Payments Industry 15
4.1. Regulatory framework 15
4.1.1. SEPA implementation 15
4.1.2. Interchange fee regulation 16
4.2. Anti-money laundering 16
4.3. Foreign direct investment regulations 17
5. Analysis Of Cards And Payments Industry Drivers 18
6. Payment Cards 21
7. Debit Cards 23
7.1. Debit card market analysis 23
7.2. Competition in the debit card market 25
7.3. Debit card comparison 27
8. Pay-Later Cards 28
8.1. Pay-later card market analysis 28
8.2. Competition in the pay-later card market 30
8.3. Pay-later card comparison 31
9. Prepaid Cards 33
10. Appendix 35
10.1. Abbreviations and acronyms 35
10.2. Supplementary data 36
10.3. Definitions 48
10.4. Methodology 49
10.5. Bibliography 51
10.6. Further reading 51
List of Tables
Table 1: Croatia: key facts, 2016 4
Table 2: Croatia: regional benchmarking of payment cards, 2016 4
Table 3: Croatia: mode of entry of foreign banks 17
Table 4: Croatia: debit card comparison and key features, 2016 27
Table 5: Croatia: gold credit cards comparison and key features, 2016 31
Table 6: Croatia: premium credit cards comparison and key features, 2016 31
Table 7: Croatia: charge cards comparison and key features, 2016 32
Table 8: Croatia: payment instrument transaction values (HRKbn), 2012-16e 36
Table 9: Croatia: payment instrument transaction values ($bn), 2012-16e 36
Table 10: Croatia: payment instrument transaction volumes (millions), 2012-16e 36
Table 11: Croatia: payment cards in circulation by type (millions), 2012-20f 37
Table 12: Croatia: volume of payment card transactions (millions), 2012-20f 37
Table 13: Croatia: value of payment card transactions (HRKbn), 2012-20f 37
Table 14: Croatia: value of payment card transactions ($bn), 2012-20f 37
Table 15: Croatia: debit cards in circulation (millions), 2012-20f 38
Table 16: Croatia: debit card transaction volumes, 2012-20f 38
Table 17: Croatia: debit card transaction values (HRK), 2012-20f 38
Table 18: Croatia: debit card transaction values ($), 2012-20f 39
Table 19: Croatia: debit cards in circulation by scheme (millions), 2012-16e 39
Table 20: Croatia: debit card transaction values by scheme (HRKbn), 2012-16e 39
Table 21: Croatia: debit card transaction values by scheme ($bn), 2012-16e 39
Table 22: Croatia: debit card transaction values by issuer (HRKbn), 2012-16e 40
Table 23: Croatia: debit card transaction values by issuer ($bn), 2012-16e 40
Table 24: Croatia: pay-later cards in circulation (millions), 2012-20f 40
Table 25: Croatia: pay-later card transaction volumes, 2012-20f 41
Table 26: Croatia: pay-later card transaction values (HRK), 2012-20f 41
Table 27: Croatia: pay-later card transaction values ($), 2012-20f 41
Table 28: Croatia: pay-later cards in circulation by scheme (000s), 2012-16e 42
Table 29: Croatia: pay-later card transaction values by scheme (HRKbn), 2012-16e 42
Table 30: Croatia: pay-later card transaction values by scheme ($m), 2012-16e 42
Table 31: Croatia: pay-later card transaction values by issuer (HRKbn), 2012-16e 42
Table 32: Croatia: pay-later card transaction values by issuer ($m), 2012-16e 43
Table 33: Croatia: credit cards in circulation (000s), 2012-20f 43
Table 34: Croatia: credit card transaction volumes, 2012-20f 43
Table 35: Croatia: credit card transaction values (HRK), 2012-20f 44
Table 36: Croatia, Credit Card Transaction Values ($), 2012-20f 44
Table 37: Croatia: credit cards in circulation by scheme (000s), 2012-16e 44
Table 38: Croatia: credit card transaction values by scheme (HRKbn), 2012-16e 45
Table 39: Croatia: credit card transaction values by scheme ($m), 2012-16e 45
Table 40: Croatia: charge cards in circulation (000s), 2012-20f 45
Table 41: Croatia: charge card transaction volumes, 2012-20f 45
Table 42: Croatia: charge card transaction values (HRK), 2012-20f 46
Table 43: Croatia: charge card transaction values ($), 2012-20f 46
Table 44: Croatia: charge cards in circulation by scheme (000s), 2012-16e 46
Table 45: Croatia: charge card transaction values by scheme (HRKbn), 2012-16e 47
Table 46: Croatia: charge card transaction values by scheme ($m), 2012-16e 47
Table 47: Croatia: prepaid cards in circulation (000s), 2012-20f 47
Table 48: Croatia: prepaid card transaction values (HRKm), 2012-20f 47
Table 49: Croatia: prepaid card transaction values ($m), 2012-20f 47
Table 50: Key definitions 48
Table 51: Annual average exchange rate (Croatian kuna-US dollar), 2012-20f 50
List of Figures
Figure 1: Croatia: payment instrument shares by transaction value (%), 2012 vs 2016 11
Figure 2: Croatia: payment instrument share by transaction volume (%), 2012 vs 2016 12
Figure 3: Croatia: e-commerce value 13
Figure 4: Croatia: population and economic indicators 18
Figure 5: Croatia: ATMs, POS terminals, and real household consumption 19
Figure 6: Croatia: payment cards transaction value and cards in circulation, 2012-20f 21
Figure 7: Croatia: debit card penetration and turnover per card 23
Figure 8: Croatia: debit card scheme and issuer transaction value shares, 2016 25
Figure 9: Croatia: pay-later card penetration and turnover per card 28
Figure 10: Croatia: pay-later card scheme and issuer transaction value shares, 2016 30
Figure 11: Croatia: prepaid cards in circulation and transaction value, 2012-20f 33
