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    This individual Report Emerging Card Markets In Europe is available for purchase. This Report is available to members of Mercator Advisory Group’s Global Payments Advisory Service. Please be advised that this Report is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Report contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

    While the Report represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Reports form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Reports (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

    Unfortunately, in fairness to our paying members, we are not able to offer this level of support for a single Report purchase. We will, however, credit any Research Document purchase against the future purchase price of the service should you become a member within 30 days of purchasing the document.

    The price for individual Report purchases is $2950 per document. 


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Emerging Card Markets In Europe

Boston, MA
March 2007

Emerging Card Markets In Europe  


A large number of banks, processors, and vendors from around the globe are looking at the Emerging European Card Markets (EECM), which Mercator defines to include 21 countries from the Baltic region, Central, Southern, and Eastern Europe.  Others have already made investments in these markets and now are reaping the benefits or are still trying to figure out how to generate a return.  Among those are the European banks such as Raiffeisen International (RI), a subsidiary of the Austrian RZB Group, Cetelem, GE Money, and other Austrians such as the Erste Bank and BA-CA, UniCredito Italiano, Nordea Bank, and global processing giant, First Data Corporation.  


"Most of the individual markets that make up the EECM, that were small five years ago, are now growing rapidly" comments Evren BAYRI, Director of Mercator Advisory Group's International Payments Advisory Service.  "The number of debit and credit cards have grown 2.3 times from 2002 to 2005.  Consumer lending is also growing and credit cards are gaining share."          

This report provides a definition for this growing market and covers the credit and debit markets on a regional basis supported with country-specific data.  It also provides population trends for strategic planning and market evaluation purposes both at the regional and country level.       

This report contains 23 pages and 16 exhibits.

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