Financial Cards and Payments in Japan

Japan’s transition to a cashless society has been accelerating in 2023. The Ministry of Economy, Trade and Industry (METI) developed the “Cashless Vision” in 2018, aiming to increase the cashless payment ratio to 40% by 2025. Due to COVID-19, cashless payment transactions witnessed significant growth over the review period. Credit cards are playing a pivotal role in propelling the cashless payment trend in Japan.

The Financial Cards and Payments in Japan report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Financial Cards in Circulation, Mobile Payments, Transactions.

Data coverage: Market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

Get a detailed picture of the Financial Cards and Payments market;
Pinpoint growth sectors and identify factors driving change;
Understand the competitive environment, the market’s major players and leading brands;
Use five-year forecasts to assess how the market is predicted to develop.

FINANCIAL CARDS AND PAYMENTS IN JAPAN

EXECUTIVE SUMMARY

Financial cards and payments in 2023: The big picture
2023 key trends
Commercial credit card payments show potential
Competitive landscape
What next for financial cards and payments?

MARKET INDICATORS

Table 1 Number of POS Terminals: Units 2018-2023
Table 2 Number of ATMs: Units 2018-2023
Table 3 Value Lost to Fraud 2018-2023
Table 4 Card Expenditure by Location 2023
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2018-2023
Table 6 Domestic versus Foreign Spend 2023

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 8 Financial Cards by Category: Number of Accounts 2018-2023
Table 9 Financial Cards Transactions by Category: Value 2018-2023
Table 10 Financial Cards by Category: Number of Transactions 2018-2023
Table 11 Consumer Payments by Category: Value 2018-2023
Table 12 Consumer Payments by Category: Number of Transactions 2018-2023
Table 13 M-Commerce by Category: Value 2018-2023
Table 14 M-Commerce by Category: % Value Growth 2018-2023
Table 15 Financial Cards: Number of Cards by Issuer 2018-2022
Table 16 Financial Cards: Number of Cards by Operator 2018-2022
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2018-2022
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2018-2022
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2023-2028
Table 20 Forecast Financial Cards by Category: Number of Accounts 2023-2028
Table 21 Forecast Financial Cards Transactions by Category: Value 2023-2028
Table 22 Forecast Financial Cards by Category: Number of Transactions 2023-2028
Table 23 Forecast Consumer Payments by Category: Value 2023-2028
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2023-2028
Table 25 Forecast M-Commerce by Category: Value 2023-2028
Table 26 Forecast M-Commerce by Category: % Value Growth 2023-2028

DISCLAIMER

SOURCES

Summary 1 Research Sources

DEBIT CARDS IN JAPANKEY DATA FINDINGS

2023 DEVELOPMENTS

Merged credit card/debit card in the new concept of flexible pay
Campaigns continue to be effective in terms of increasing awareness
Young consumers utilise debit cards as their first step into card usage

PROSPECTS AND OPPORTUNITIES

“Brand debit” will continue to show stronger potential
Outbound tourism set to support growth in debit cards
Growth of digital brands increases cardless debit cards

CATEGORY DATA

Table 27 Debit Cards: Number of Cards in Circulation 2018-2023
Table 28 Debit Cards Transactions 2018-2023
Table 29 Debit Cards in Circulation: % Growth 2018-2023
Table 30 Debit Cards Transactions: % Growth 2018-2023
Table 31 Debit Cards: Number of Cards by Issuer 2018-2022
Table 32 Debit Cards: Number of Cards by Operator 2018-2022
Table 33 Debit Cards Payment Transaction Value by Issuer 2018-2022
Table 34 Debit Cards Payment Transaction Value by Operator 2018-2022
Table 35 Forecast Debit Cards: Number of Cards in Circulation 2023-2028
Table 36 Forecast Debit Cards Transactions 2023-2028
Table 37 Forecast Debit Cards in Circulation: % Growth 2023-2028
Table 38 Forecast Debit Cards Transactions: % Growth 2023-2028

CREDIT CARDS IN JAPANKEY DATA FINDINGS

2023 DEVELOPMENTS

Commercial credit cards drives value growth
Numberless on-trend for security
Campaigns effective at pushing new initiatives

PROSPECTS AND OPPORTUNITIES

Contactless expands to rail companies, further accelerating the move to a cashless society
Credit cards will be the key driver towards a cashless society
V Point and T-Point to merge and create a massive loyalty ecosystem

CATEGORY DATA

Table 39 Credit Cards: Number of Cards in Circulation 2018-2023
Table 40 Credit Cards Transactions 2018-2023
Table 41 Credit Cards in Circulation: % Growth 2018-2023
Table 42 Credit Cards Transactions: % Growth 2018-2023
Table 43 Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 44 Commercial Credit Cards Transactions 2018-2023
Table 45 Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 46 Commercial Credit Cards Transactions: % Growth 2018-2023
Table 47 Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 48 Personal Credit Cards Transactions 2018-2023
Table 49 Personal Credit Cards in Circulation: % Growth 2018-2023
Table 50 Personal Credit Cards Transactions: % Growth 2018-2023
Table 51 Credit Cards: Number of Cards by Issuer 2018-2022
Table 52 Credit Cards: Number of Cards by Operator 2018-2022
Table 53 Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 54 Credit Cards Payment Transaction Value by Operator 2018-2022
Table 55 Commercial Credit Cards: Number of Cards by Issuer 2018-2022
Table 56 Commercial Credit Cards: Number of Cards by Operator 2018-2022
Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2018-2022
Table 59 Personal Credit Cards: Number of Cards by Issuer 2018-2022
Table 60 Personal Credit Cards: Number of Cards by Operator 2018-2022
Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 62 Personal Credit Cards Payment Transaction Value by Operator 2018-2022
Table 63 Forecast Credit Cards: Number of Cards in Circulation 2023-2028
Table 64 Forecast Credit Cards Transactions 2023-2028
Table 65 Forecast Credit Cards in Circulation: % Growth 2023-2028
Table 66 Forecast Credit Cards Transactions: % Growth 2023-2028
Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2023-2028
Table 68 Forecast Commercial Credit Cards Transactions 2023-2028
Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2023-2028
Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2023-2028
Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2023-2028
Table 72 Forecast Personal Credit Cards Transactions 2023-2028
Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2023-2028
Table 74 Forecast Personal Credit Cards Transactions: % Growth 2023-2028

PRE-PAID CARDS IN JAPANKEY DATA FINDINGS

2023 DEVELOPMENTS

Shift to online (mobile) payment accelerates as semiconductor shortage hits physical cards
Tosho cards available online
Quo Card strong for digital gift-giving

PROSPECTS AND OPPORTUNITIES

Contact touch-on (contactless) credit cards will become a threat
Japan plans to implement payroll cards using pre-paid cards
Pre-paid cards can help support financial inclusivity

CATEGORY DATA

Table 75 Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 76 Pre-paid Cards Transactions 2018-2023
Table 77 Pre-paid Cards in Circulation: % Growth 2018-2023
Table 78 Pre-paid Cards Transactions: % Growth 2018-2023
Table 79 Closed Loop Pre-paid Cards Transactions 2018-2023
Table 80 Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 81 Open Loop Pre-paid Cards Transactions 2018-2023
Table 82 Open Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 83 Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 84 Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 85 Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 86 Pre-paid Cards Transaction Value by Operator 2018-2022
Table 87 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 88 Closed Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 89 Closed Loop Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 90 Closed Loop Pre-paid Cards Transaction Value by Operator 2018-2022
Table 91 Open Loop Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 92 Open Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 93 Open Loop Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 94 Open Loop Pre-paid Cards Transaction Value by Operator 2018-2022
Table 95 Forecast Pre-paid Cards: Number of Cards in Circulation 2023-2028
Table 96 Forecast Pre-paid Cards Transactions 2023-2028
Table 97 Forecast Pre-paid Cards in Circulation: % Growth 2023-2028
Table 98 Forecast Pre-paid Cards Transactions: % Growth 2023-2028
Table 99 Forecast Closed Loop Pre-paid Cards Transactions 2023-2028
Table 100 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2023-2028
Table 101 Forecast Open Loop Pre-paid Cards Transactions 2023-2028
Table 102 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2023-2028

STORE CARDS IN JAPANKEY DATA FINDINGS

2023 DEVELOPMENTS

Gaisho cards still valued by affluent consumers
Gaisho cards are increasingly shifting to co-branded credit cards
Store cards offer an investment service

PROSPECTS AND OPPORTUNITIES

Number of affluent consumers set to increase in Japan
Maintaining emotional loyalty to retain consumers
Premium co-branded credit cards will be a threat

CATEGORY DATA

Table 103 Store Cards: Number of Cards in Circulation 2018-2023
Table 104 Store Cards Transactions 2018-2023
Table 105 Store Cards in Circulation: % Growth 2018-2023
Table 106 Store Cards Transactions: % Growth 2018-2023
Table 107 Store Cards: Number of Cards by Issuer 2018-2022
Table 108 Store Cards: Payment Transaction Value by Issuer 2018-2022
Table 109 Forecast Store Cards: Number of Cards in Circulation 2023-2028
Table 110 Forecast Store Cards Transactions 2023-2028
Table 111 Forecast Store Cards in Circulation: % Growth 2023-2028
Table 112 Forecast Store Cards Transactions: % Growth 2023-2028

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