The report provides market analysis, information and insights into Croatia’s cards and payments market, including: Current and forecast values for each category of Croatia’s cards and payments industry including debit cards, credit cards, prepaid cards and charge cards Comprehensive analysis of the industry’s market attractiveness and future growth areas Analysis of various market drivers and regulations governing Croatia’s cards and payments industry Detailed analysis of the marketing strategies adopted for selling debit, credit, charge and prepaid cards used by various bankers and other institutions in the market Comprehensive analysis of consumer attitudes and their buying preferences for cards Competitive landscape of Croatia’s cards and payments industry

1. Emerging Opportunities in Croatias Cards and Payments Industry: Market Size, Trends and Drivers,
Strategies, Products and Competitive Landscape
Synopsis
The report provides market analysis, information and insights into Croatia’s cards and payments
market, including:
Current and forecast values for each category of Croatia’s cards and payments industry including
debit cards, credit cards, prepaid cards and charge cards Comprehensive analysis of the industry’s
market attractiveness and future growth areas Analysis of various market drivers and regulations governing
Croatia’s cards and payments industry Detailed analysis of the marketing strategies adopted for selling
debit, credit, charge and prepaid cards used by various bankers and other institutions in the market
Comprehensive analysis of consumer attitudes and their buying preferences for cards Competitive landscape
of Croatia’s cards and payments industry
Summary
In terms of card in circulation, Croatia’s card payments channel recorded a CAGR of 4.13 % during
the review period (2008–2012). The total number of cards in circulation grew from 9.2 million in 2008
to 10.8 million cards in 2012. Over the forecast period (2013–2017), the number is forecast to record a
CAGR of 3.47%, rising from 11.3 million cards in 2013 to 13.0 million in 2017. Croatia’s economy is
based largely on service sectors such as banking, trade and tourism, which collectedly account for nearly 70%
of real gross domestic product (GDP) in the country. In 2009, Croatia’s overall economic activity
decelerated due to the global financial crisis which adversely impacted banking, tourism, exports and foreign
direct investment (FDI). Croatia will join the European Union (EU) on July 1, 2013, and the country will
receive the equivalent of nearly 4% of its total GDP through the EU Cohesion Policy. This financial aid is
expected to bring stability and investment to the country’s economy over the forecast period, creating a
healthy and favorable climate for the cards and payments industry.
Scope
This report provides a comprehensive analysis of Croatia’s cards and payments industry It provides
current values for Croatia’s cards and payments industry for 2012 and forecast figures for 2017 It
details the different macroeconomic, infrastructural, consumer and business drivers affecting Croatia’s
cards and payments industry It outlines the current regulatory framework in the industry It details the
marketing strategies used by various bankers and other institutions It profiles the major banks in
Croatia’s cards and payments industry
Reasons To Buy
Make strategic business decisions using historic and forecast market data related to Croatia’s cards
and payments industry and each market within it Understand the key market trends and growth opportunities
within Croatia’s cards and payments industry Assess the competitive dynamics in Croatia’s
cards and payments industry Gain insights into the marketing strategies used for selling various types of cards
in Croatia Gain insights into key regulations governing Croatia’s cards and payments industry
Key Highlights
Croatia had a population of 4.4 million in 2012 with high levels of card penetration. Debit cards had the
highest penetration; with a penetration of 1.4 cards per person in 2008, which increased to 1.7 cards per person
Emerging Opportunities in Croatias Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive La

2. in 2012. Over the forecast period, the figure is projected reach 1.9 cards per person. In September 2012, OTP
Banka in association with MasterCard PayPass launched contactless payments for low-value transactions up to
HRK100 (US$17.1). Similarly, PBZ also started issuing and replacing old debit cards with contactless
payment cards. Contactless cards are expected to gain popularity over the forecast period and establish
themselves as a mainstream payment platform. Banks and retail outlets in Croatia expanded their
infrastructure networks across the country during the review period. The number of ATMs installed in Croatia
increased marginally, from 3,342 in 2008 to 4,144 in 2012, at a CAGR of 1.06%. The increasing acceptance of
cards at retail outlets and a shift towards making purchases directly with cards resulted in an increasing
number of POS transactions during the review period. The number of POS terminals in Croatia recorded a
CAGR of 7.59% during the review period, rising from 79,994 in 2008 to 107,171 in 2012. With further
increases in the volume of POSs and ATMs, the use of cards as a payment method is expected to grow further
over the forecast period. The growth in m-commerce has been enhanced by increased smartphone use in
Croatia. The increasing capabilities of smartphone devices, a significant rise in mobile device applications and
falling prices have been instrumental in driving m-commerce. Improved search engines and price comparison
sites have also been key factors, benefiting the cards and payments industry in Croatia.
table Of Content
1 Executive Summary
2 Market Attractiveness And Future Prospects Of The Cards And Payments Industry
3 Analysis Of Croatian Cards And Payments Industry Drivers
3.1 Economic Fundamentals
3.1.1 Rising Per Capita Income
3.1.2 Gdp Growth Rate
3.1.3 Low Inflation
3.2 Infrastructure Drivers
3.2.1 Advanced Security Measures
3.2.2 Growing Number Of Atms
3.2.3 Increasing Number Of Pos Terminals
3.2.4 Emergence Of Contactless Payments
3.3 Business Drivers
3.3.1 Growing M-commerce
3.3.2 Increased Focus On Target Product Offerings
3.3.3 Consumer Shift Towards Cashless Transactions
3.4 Card Fraud Statistics
3.5 Regulatory Framework
3.5.1 Payment Service Providers
3.5.2 Regulations With Respect To Issuance Of Credit Cards
Emerging Opportunities in Croatias Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive La

3. 3.5.3 Anti-money Laundering And Combating Financing Terrorism
4 Emerging Consumer Attitudes And Trends
4.1 Market Segmentation And Targeting
4.1.1 Retail Customers
4.1.2 Corporate Customers
4.2 Consumer Preference
4.2.1 Price
4.2.2 Convenience
4.2.3 Services
5 Competitive Landscape And Industry Dynamics
5.1 Industry Share Analysis By Payment Channels
5.1.1 Overview Of Payment Channels
5.1.2 Cash Transactions
5.1.3 Direct Debits
5.1.4 Card Payments
5.1.5 Checks
5.2 Debit Cards Category Share
5.2.1 By Bank
5.2.2 By Scheme
5.3 Credit Cards Category Share
5.3.1 By Bank
5.3.2 By Scheme
5.4 Charge Cards Category Share
6 Strategies Adopted By Key Operators
6.1 Market Entry Strategies
6.2 Marketing And Product Strategies
6.2.1 Debit Cards
6.2.2 Credit Cards
6.2.3 Prepaid Cards
6.3 Pricing Strategies
7 Size And Growth Potential Of The Card Payments Channel
7.1 Channel Share Analysis By Category Of Card
7.2 Size And Forecast Of The Card Payments Channel
7.2.1 Analysis By Number Of Cards
7.2.2 Analysis By Transaction Value
Emerging Opportunities in Croatias Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive La

4. 7.2.3 Analysis By Transaction Volume
7.3 Debit Card Category Size And Forecast
7.3.1 Analysis By Number Of Cards
7.3.2 Analysis By Transaction Value
7.3.3 Analysis By Transaction Volume
7.3.4 Other Key Performance Indicators
7.4 Prepaid Card Category Size And Forecast
7.4.1 Analysis By Segment – Open- And Closed-loop Cards
7.4.2 Analysis By Transaction Value
7.5 Charge Card Category Size And Forecast
7.5.1 Analysis By Number Of Cards
7.5.2 Analysis By Transaction Value
7.5.3 Analysis By Number Of Transactions
7.5.4 Analysis By Frequency Of Use
7.6 Credit Cards Category Size And Forecast
7.6.1 Analysis By Number Of Cards
7.6.2 Analysis By Transaction Value
7.6.3 Analysis By Number Of Transactions
7.6.4 Other Key Performance Indicators
8 Company Profiles, Product, And Marketing Strategies
8.1 Privredna Banka Zagreb
8.1.1 Strategies
8.2 Zagrebaĕka Banka
8.2.1 Strategies
8.3 Erste&steiermärkische Bank D.d.
8.3.1 Strategies
9 Appendix
9.1 Methodology
9.2 Contact Timetric
9.3 About Timetric
9.4 Disclaimer
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Emerging Opportunities in Croatias Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive La

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Emerging Opportunities in Croatias Cards and Payments Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive La