Romania has a developing upper-mid-sized economy which is the eleventh-largest in the European Union (EU) by total nominal GDP, and the eighth-largest based on purchasing power parity. During the review period (2008–2012), the Romanian cards and payments industry registered marginal growth, with a combined card volume CAGR of 1.45%.

1. RnR Market Research Offers “Emerging Opportunities in Romania’s Cards and Payments
Industry: Market Size, Trends and Drivers, Strategies, Products and Competitive
Landscape” Report at US$ 4495 (Single User License). The report got published in Dec 2012
& contains 105 pages.
The report provides top-level market analysis, information and insights on Romania’s cards and payments
market, including:
 Current and forecast values for each segment of Romania’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 Romania’s cards and payments
market.
 Detailed analysis of the marketing strategies adopted for selling 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 Romania’s cards and payments market.
Summary
Romania has a developing upper-mid-sized economy which is the eleventh-largest in the European Union
(EU) by total nominal GDP, and the eighth-largest based on purchasing power parity. During the review
period (2008–2012), the Romanian cards and payments industry registered marginal growth, with a
combined card volume CAGR of 1.45%. Romania was heavily affected by the global financial downturn and
its GDP contracted by -2.6% in 2009, forcing the government to enact harsh austerity measures and borrow
heavily from the IMF to reduce its budget deficit to 4.4% of GDP in 2011, and to 3% of GDP in 2012. While
the budget deficit stood at 6.6% in 2010, below the IMF agreed target of 6.8%, the growth of e-commerce,
increasing levels of per capita income, growth in the automotive industry and improved travel and tourism
dynamics have facilitated the overall growth of the cards and payments industry. Forecasts predict recovery
at a CAGR at 3.38% by the end of 2017.
Eastern Europe’s emerging consumer economies are prime targets for credit card growth, including
domestic and foreign issuers, and Romania is no exception. Romania’s economy has expanded at a steady
rate following its accession to the EU in January 2007, due to the rapid rises in average monthly wages and
consumer expenditure. Although Romania’s cards and payments industry has only being in existence for
around 10 years, with a corresponding lack of consumer awareness, many issuers are targeting the
Romanian industry with a range of increasingly sophisticated card products, such as revolving credit.
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Scope
 This report provides a comprehensive analysis of Romania’s cards and payments industry.
 It provides current value for Romania’s cards and payments market for the year 2012 and forecast
figure for the year 2017.

2.  It details the different macroeconomic, infrastructural, consumer and business drivers affecting
Romania’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 Romania’s cards and payments market.
Reasons To Buy
 Make strategic business decisions using top-level historic and forecast market data related to
Romania’s cards and payments market and each market within it.
 Understand the key market trends and growth opportunities within Romania’s cards and payments
market.
 Assess the competitive dynamics in Romania’s cards and payments market.
 Gain insights in to the marketing strategies used for selling various types of cards in Romania’s
market.
 Gain insights into key regulations governing Romania’s cards and payment market.
Key Highlights
 The Romanian cards and payments industry grew substantially both in volume and value terms
during the review period. In terms of number of transactions, it grew marginally from 267.0 million
transactions in 2008 to 364.8 million in 2012, at a CAGR of 8.12%.
 Debit card transactions remained the key growth driver, followed by charge cards. Over the forecast
period, the total transaction volume is expected to grow at a CAGR of 4.52% to reach 466.7 million
transactions by the end of 2017
 As banking customers become more sophisticated, banks need to differentiate their product
offerings, and card customization is gaining more attention. Other services include internet banking,
or serving niche segments such as students or high-end, affluent customers
 The central bank has issued various regulatory reforms citing the increased credit card and internet
fraud statistics in Romania. The country also has some of the highest rates of cybercrime and online
credit card fraud in the world.
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Table of Contents
1 Executive Summary
2 Industry Attractiveness and Future Prospects for the Cards and Payments Industry
3 Analysis of Country Cards and Payments Industry Drivers
3.1 Infrastructure Drivers
3.1.1 Single Euro Payments Area (SEPA) cards
3.1.2 Adoption of smartcards
3.1.3 Growing mobile and smartphone penetration
3.1.4 Growing number of internet Users
3.1.5 Growing number of ATMs
3.1.6 Growing number of POS
3.2 Business Drivers
3.2.1 E-commerce dynamics
3.2.2 Travel and tourism dynamics
3.3 Economic fundamentals
3.3.1 GDP growth rate
3.3.2 Unemployment rate

3. 3.3.3 Monetary policy rate
3.3.4 Inflation rate
3.4 Consumer Drivers
3.4.1 Consumer confidence indicator
3.4.2 Annual disposable income
3.4.3 Consumer lifestyles and spending habits
3.5 Card Fraud Statistics
3.6 Regulatory Framework
4 Emerging Consumer Attitudes and Trends
4.1 Industry Segmentation and Targeting
4.2 Retail Segment
4.2.1 Students and the younger population
4.2.2 Cards targeted at travel and tourism
4.2.3 Shopping cards targeting retail segment
4.2.4 Targeting Romania’s ultra high net-worth individuals (UHNWIs) population
4.3 Corporate Sector
4.3.1 Businesses and departments
4.4 Consumer Preference
4.4.1 Price
4.4.2 Services
4.4.3 Convenience
4.5 Online Buying Behaviour
4.6 Preferred Payment Methods
5 Competitive Landscape and Industry Dynamics
5.1 Market Share Analysis by Payment Channels
5.1.1 Credit transfer
5.1.2 Direct debit
5.1.3 Card payments
5.1.4 Check payments
5.2 Debit Cards
5.2.1 By bank
5.2.2 By scheme
5.3 Credit Cards
5.3.1 By bank
5.3.2 By scheme
5.4 Charge Cards
6 Strategies Adopted by Key Operators
6.1 Entry Strategies
6.2 Marketing and Product Strategies
6.2.1 Marketing strategies for debit cards
6.2.2 Marketing strategies for credit cards
6.2.3 Marketing strategies for prepaid cards
6.3 Pricing Strategies
7 Market Size and Growth Potential of the Payment Card Industry
7.1 Market Share Analysis by Type of Card
7.2 Total Market Size and Forecast of Card Industry
7.2.1 Analysis by number of cards
7.2.2 Analysis by transaction value
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

4. 7.3.3 Analysis by transaction volume
7.3.4 Other key performance indicators
7.4 Prepaid Cards Category Size and Forecast
7.4.1 Analysis by number of cards
7.4.2 Analysis by segments – open and closed-loop cards
7.4.3 Analysis by transaction value
7.5 Charge Card Market Size and Forecast
7.5.1 Analysis by number of cards
7.5.2 Analysis by transaction value
7.5.3 Analysis by transaction volume
7.5.4 Frequency of use
7.6 Credit Card Market Size and Forecast
7.6.1 Analysis by number of cards
7.6.2 Analysis by transaction value
7.6.3 Analysis by transaction volume
7.6.4 Other key performance indicators
8 Company Profiles, Product, and Marketing Strategies
8.1 Romanian Commercial Bank (BCR)
8.1.1 Strategies
8.1.2 Credit cards offered and features
8.1.3 Debit cards offered with features
8.2 BRD – Groupe Société Générale
8.2.1 Strategies
8.2.2 Credit cards offered
8.2.3 Debit cards offered with features
8.3 Unicredit Tiriac Bank
8.3.1 Strategies
8.3.2 Credit cards offered
8.3.3 Debit cards offered
8.3.4 Charge card offered with features
9 Appendix
9.1 Methodology
9.2 Definitions
9.3 Methodology
9.4 Contact Us
9.5 About Timetric
9.6 Disclaimer
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