Consumers turn to debit to pay for everyday treats

Logo van Visa creditcard en debitcardIn het tweede kwartaal is het aantal transacties met een Visa-card met 14% gestegen (t.o.v. 2008) en is de waarde van deze transacties met 6% gestegen (t.o.v. 2008). Het aantal transacties bedroeg in totaal 1,75 miljard. Hiervan zijn 1,33 miljard (76%) debitcard-transacties en 0,42 miljard (24%) creditcard-transacties. De debitcards zitten dus duidelijk in de lift. Deze groeiden namelijk met 19%. Creditcards zijn met 2% afgenomen. De daling van het aantal creditcard-transacties is verrassend: in de pers wordt gerept over dat consumenten door de crisis vaker gebruik maken van de creditcard (lees krediet). Typisch gevalletje van veronderstellingen en we schrijven elkaar over.

In welke branches waren de grootste stijgingen? Het aantal transacties groeide het meest in de restaurants (+20%), cafe's en disco's (+26%) en supermarkten (+18%). In de Ecommerce-wereld groeide het aantal transacties met 27%. Ook hier weer de groei van debit-cards met 34%. Tenslotte is de geldwaarde van de 1,75 miljard transacties met 9% gegroeid. Het volume in geld houdt dus geen gelijk tred met de groei van het aantal transacties. Het gemiddeld bedrag per transactie is dus gedaald.

Het oorspronkelijke Visa persbericht:

Visa card transactions rise 14% across Europe in second quarter of 2009

Visa Europe, Europe’s leading payment system, has seen a 14% increase in the number of transactions on Visa cards in Europe from April to June 2009 compared with the same period in 2008. Debit cards are increasingly a preferred method of payment with a 19% increase in the number of transactions; and despite the recession, consumer spending on food, clothing and leisure continues to be strong.

Visa Europe processed a total of 1.75 billion card transactions between 1st April and 30th June 2009, of which 1.33 billion were on debit cards. This compares to 1.53 billion card transactions in the same period the year before, of which 1.11 billion were on debit cards.

The highest percentage increase was in restaurants, which saw a 20% rise in the number of card transactions and a 28% increase on debit cards. Card transactions in bars and nightclubs increased 16% overall and 24% on debit cards. In supermarkets and other food stores there was an increase of 18% on all card transactions and 21% on debit cards.

Ecommerce continued to grow strongly with a 27% increase in card transactions proving online retailers are winning market share from other retailers. The increase in Ecommerce spending on debit cards was 34%.

The value of all Visa Europe credit and debit transactions in the second quarter of 2009 grew by 6% compared to the same period the previous year.

Dr Steve Perry, Commercial Director, Visa Europe says: 'It is clear from the rising number of transactions that consumers are increasingly using debit cards to pay for everyday goods and leisure activities, instead of cash and cheques'.

About Visa Europe’s spending data

The spending data tracks the European consumer spending on Visa cards that is processed by Visa Europe. This data was processed by Visa Europe between 1st April 2009 and 30th June 2009. Of these total transactions, approximately 75% were debit card transactions.

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