巴西數(shù)字支付行業(yè)市場前景及投資研究報(bào)告-培訓(xùn)課件外文版2024.6微信支付寶

DIGITAL

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TRENDSDigitalpaymenttypesinBrazilCHAPTER

01MarketshareShareofcashestimateatpointofsale(POS)inBrazilfrom2012to2021AnnuallevelofcashpaymentsinBrazil2012-202160%56.7%55.6%54.8%55.1%53.7%52.1%48.1%50%40%30%20%10%0%44.5%42.3%30.6%20122013201420152016201720182019202020214Description:In2021,theuseofcashmoneyinBrazilcontinuedtodecrease-makingupaboutthreeoutof10retailpayments.Thisaccordingtoestimationsbasedontheavailabledataregardingcashwithdrawalsandpaymenttransactions.Nodataexistsontheactualuseofcashmoney,outsideofsurveydiaries.Thenumbersshownhereassumethatconsumerswhowithdrawcashmoneyarelikelytospendthisinaphysicalstore.Asnotallpaymentdataisreadilyavailable,liketheuseofOTCor[...]

ReadmoreNote(s):Brazil;2012to2021;ThenumbersprovidedhavebeencalculatedbySource(s):BankforInternationalSettlements;CentralBankofBrazil;IMF;PYMNTSusingnumbersonATMandOTCwithdrawals.Seethe"Details"tabformoreinformationShareofcurrencyincirculation(CIC)tothenominalGDPofBrazilfrom2001to2022Annualcurrencyincirculation(CIC)toGDPratioofBrazil2001-20226.0%5.0%4.0%3.0%2.0%1.0%0.0%2001

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20225Description:ThemarketsizeofcurrencycirculatinginBrazil'seconomydeclinedin2022byroughly0.4percentagepointswhencomparedtothecountry'sGDP.Thisso-calledCIC/GDPratioismeanttoroughlymeasuretheuseofcashinthecountry.Duetotheanonymityofcashtransactions,sourcesstruggletofindexactvolumesonthis.Theratiomentionedhereisquitepopularinthatregard,asthedataitneedsisrelativelyeasytofind.Someindustryexpertsmention,however,thatthisratioistoo[...]

ReadmoreNote(s):Brazil;2001to2022Source(s):IMF;WorldBankMarketshareofcash,creditcards,andotherpaymentmethodsatpointofsale(POS)inBrazilfrom2017to2023,withaforecastfor2027Mostusedin-store(POS)paymentmethodsinBrazil2017-2023,with2027forecast201726%52%18%3%-201930%47%20%3%-202034%35%20%8%4%-202135%32%22%8%-202237%26%21%15%2%-202336%22%20%18%3%202730%12%14%41%3%Creditcard(incl."chargecard"since2021)*CashDebitcardE-wallet,Digital/mobilewalletPOSfinancing*Prepaidcard---1%1%Retailer/bankfinancing(splitofffrom"POSfinancing"in2021)*---4%---BuyNow,PayLater(splitofffrom"POSfinancing"in2021)*---0%---6Description:MostPOSpaymentsinBrazilwereperformedwithcashuntil2018,butthemarketshareofcreditcardshadovertakencashby2022.Creditcardsanddebitcardscombinedmadeupmorethanhalfofallin-storepaymentsintheLatinAmericancountryin2021,althoughtherewasonlyaslightincreaseintheirusesincethecoronaviruspandemic.Abiggershiftcanbeseenatwallets,whosemarketsharechangedfromthreepercentin2019toeightpercentin2020.Thismighthavetodo[...]

ReadmoreNote(s):Brazil;March2024;*Thesourcemadechangestoitscategoriesin2021,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayPaymentsatpointsofsalebytypeinBrazilasofDecember2023PaymentsatpointsofsalebytypeinBrazil2023Shareofrespondents0%10%20%30%40%50%60%70%68%DebitcardCreditcard66%CashMobiledevice(e.g.,smartphone,smartwatch)Prepaidcard/vouchers52%32%6%6%Check2%2%IhavenotpaidatanypointofsaleOther7Description:"Debitcard"and"Creditcard"arethetoptwoanswersamongBrazilianconsumersinoursurveyonthesubjectof"Paymentsatpointsofsalebytype".ReadmoreNote(s):Brazil;JanuarytoDecember2023;2028respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcash,creditcards,andotherpaymentmethodsduringonlineshoppinginBrazilfrom2016to2023,withaforecastfor2027Mostusede-commercepaymentmethodsinBrazil2016-2023,with2027forecast201661%-201760%-201957%-202043%-202145%-202239%24%202340%30%202727%50%Creditcard-incl."chargecard"since2021*Account-to-account(A2A)-incl."banktransfers"and"directdebit"since2022**E-wallet,Digital/mobilewalletDebitcard12%1%15%2%-13%2%15%1%-11%3%16%1%-17%13%12%1%-16%14%11%1%-18%16%8%3%1%0%16%4%1%1%1%13%PostPay3%Prepaidcard1%Buynow,paylater(BNPL)Cashondelivery(CoD)Banktransfer**Directdebit**-1%5%-1%6%-1%10%-1%8%2%1%1%1%11%1%-1%----Chargecard*2%1%2%-1%1%PrePay-8Description:In2023,40percentofonlinepurchasesinBrazilwereboughtbycreditorchargecard,while16percentwerepaidforviawallets.LargelyduetotheCOVID-19pandemic,checkoutsusingPostPayfellfourpercentagepointsfrom2019,accountingfor11percentofe-commercespendinginthiscountry.Thispaymentsystemconsistsofaboletobancário,abarcodedticketthatcanbepaidonATMs,inbankagencies,postoffices,lotteryagencies,andthroughinternetbanking.Newin2022isthe[...]

ReadmoreNote(s):Brazil;March2024;Thesourcemademultiplechangestoitscategoriesovertime,seethe"Details"tabformoreinformation.;*In2022,thesourcestateditmergedthecategoriesof"creditcards"togetherwith"charge/deferreddebit[...]

ReadmoreSource(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayMostcommononlinepaymentsbytypeinBrazilasofDecember2023MostcommononlinepaymentsbytypeinBrazil2023Shareofrespondents0%10%20%30%40%50%48%60%Creditcard62%Debitcard56%ByinvoiceOnlinepaymentservices(e.g.,PayPal,AmazonPay)Directdebit40%35%Cashondelivery20%Cashinadvance15%Prepaidcards/vouchers9%IhavenotconductedanypaymentsonlineOther2%7%9Description:"Creditcard"and"Debitcard"arethetoptwoanswersamongBrazilianconsumersinoursurveyonthesubjectof"Mostcommononlinepaymentsbytype".ReadmoreNote(s):Brazil;JanuarytoDecember2023;2028respondents;18-64yearsSource(s):ConsumerInsightsCHAPTER

02PenetrationPenetrationrateofdebitcardsinBrazilfrom2014to2029PenetrationrateofdebitcardsinBrazil2014-20298070605040302010066.3566.5966.866.9767.165.9565.7766.0765.4964.2362.5660.9359.1659.2259.2859.34201420152016201720182019202020212022202320242025202620272028202911Description:ThedebitcardpenetrationinBrazilwasforecasttocontinuouslyincreasebetween2024and2029byintotalonepercentagepoints.Aftertheseventhconsecutiveincreasingyear,thedebitcardpenetrationisestimatedtoreach67.1percentandthereforeanewpeakin2029.ReadmoreNote(s):Brazil;2014to2029;allvaluesareestimatesSource(s):PenetrationrateofcreditcardsinBrazilfrom2014to2029PenetrationrateofcreditcardsinBrazil2014-20296054.5352.5450.5348.55040302010046.4844.4742.5140.4340.7136.5633.0632.0530.2829.8928.6127.03201420152016201720182019202020212022202320242025202620272028202912Description:ThecreditcardpenetrationinBrazilwasforecasttocontinuouslyincreasebetween2024and2029byintotal10.1percentagepoints.Afterthetwelfthconsecutiveincreasingyear,thecreditcardpenetrationisestimatedtoreach54.53percentandthereforeanewpeakin2029.ReadmoreNote(s):Brazil;2014to2029;allvaluesareestimatesSource(s):MobilepaymentsusageperformedwithanymobiledeviceatPOSinBrazilfrom2018to4thquarterof2023QuarterlyadoptionofmobilepaymentsatPOSinBrazil2018-202335%30%25%20%15%10%5%0%2018

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Q4202313Description:Between2018and2023,theusageofmobilesatpointofsaleinBrazilwitnessedanincreaseof17percentagepoints.In2018,theshareofrespondentsusingmobilepaymentsatPOSstoodat15percent,whichincreasedto32percentinthethirdquarterof2023.?ThisisaccordingtoaquestionaskedthroughoutmultiplesurveysfromStatista'sConsumerInsights.Thenumbersshownhererefertoarolling12-monthshareofrespondentswhoindicatedtheyusedamobilepaymentdevice—[...]

ReadmoreNote(s):Brazil;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Residentialonlinepopulation;12-monthrollingaverageSource(s):ConsumerInsightsMobilepaymentsbysituationinBrazilin2022MobilepaymentsbysituationinBrazil2022Shareofrespondents0%10%20%30%40%50%60%IwouldliketopaywithmysmartphoneallthetimeForeverydaypurchases(e.g.food)ForfoodanddrinksinrestaurantsForfoodanddrinksinbarsandcafésForadmissiontickets63%13%12%11%8%8%FortravelbookingFormajorpurchases(e.g.washingmachine)Forminorpurchases(e.g.decorationitems)ForpublictransportationticketsIdon'twanttopaywithmysmartphoneatallOther7%7%7%6%2%Don'tknow4%14Description:Whenaskedabout"Mobilepaymentsbysituation",mostBrazilianrespondentspick"Iwouldliketopaywithmysmartphoneallthetime"asananswer.63percentdidsoinouronlinesurveyin2022.ReadmoreNote(s):Brazil;fourwavesfrom05January2022to14December2022;2018respondents;18-64yearsSource(s):ConsumerInsightsShareofcompaniesthatacceptselecteddigitalpaymentsforalltypesofe-commerceinBrazilasofFebruary2024Paymenttypesacceptedbyalle-commercevendorsinBrazilin2022and2024February2022February2024120%100%80%60%40%20%0%97%82%82%80%77%74%70%62%59%59%57%56%53%47%30%28%17%CreditcardsBanktransfersPayPalApplePayLoyaltypoints,rewardsBuynow,paylater(BNPL),orpaymentsininstallmentsGiftcardsCryptocurrencyNFTs(non-fungibletokens)15Description:Sixoutof10e-commercevendorsinBrazilofferbuynow,paylaterontheirwebsitecome2024.Thisisaccordingtoasurveyheldinearly2024,askinge-commerceprofessionalsonwhichpaymentmethodstheyareoffering.NoticeableforBrazilisthesubstantialshareofrespondentswhoindicatedtheyoffercreditcardsin2024.Cryptocurrencyalsofeaturesinthislist.Thesourcedoesnotclarify,however,whethermerchantswouldliketoacceptdirectpaymentswithBitcoinorwhetherthis[...]

ReadmoreNote(s):Brazil;February2024;2,700respondents;18yearsandolder;third-partypanelistsworldwide;Commerceprofessionalsthatheldadirectororhigherleadershiprole;ProfessionalsfromB2B,B2C,andB2B2CcompaniesacrossNorthAmerica,LatinAmerica,AsiaPacific,Japan,andEuropeSource(s):SalesforceResearchCryptoAdoptionIndexrankingofBrazilfrom2020to2023,bymetricAnnualcryptoadoptiondevelopmentinBrazil2020-2023,bymetricRank

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indexOverallranking(outof146countries)2020132021142022720239Overallindexscore(1=highest,0=lowest)0.3460.1650.5670.169On-chaincryptocurrencyvaluereceivedatcentralizedexchanges,rankingOn-chainretailvaluereceivedatcentralizedexchanges,ranking57711Numberofon-chaindeposits,ranking6668n/a113n/an/a1138n/a15Peer-to-peer(P2P)exchangetradevolume,rankingOn-chaincryptocurrencyvaluereceivedfromDeFiprotocols,rankingn/a11On-chainretailvaluereceivedfromDeFiprotocols,rankingn/an/a71116Description:Brazil'srankingintheworldwhenitcomestocryptoadoptionbasedontransactionvolumewentdownbytwoplacesbetweennineand2023.Positionedwellintothetop10countriesintheworldin2023,Brazilwasestimatedtobethenumbersevencountryforcryptotransactionsinbothcentralizedaswellasdecentralized-suchasDecentralizedFinance(DeFi)-services.BraziliansusedcryptonoticeablymoreforP2Pexchange,rankingatposition15outof146intheworldin2023.

ReadmoreNote(s):Brazil;July2020toJune2023;Ranking(1=highest,146=lowest);Weightedbypurchasingpowerparity(Source(s):Chainalysis;percapitaDistributionofcross-bordervs.domestice-commerceinLatinAmericain2023,bycountryCross-bordervs.domestice-commerceinLatinAmericain2023,bycountryE-commercespendshareCross-borderDomestic60%0%20%40%74%73%73%80%100%120%ElSalvadorPeru26%27%27%GuatemalaBolivia67%64%33%36%PanamaEcuador56%56%49%44%44%51%DominicanRepublicCostaRicaUruguay41%59%ParaguayChile23%23%22%77%77%78%Mexico17Description:In2023,ElSalvadorwasthecountrywithhighestcross-bordere-commercespendinginLatinAmerica.Only26percentofthecountry'se-commercespendingaddresseddomesticonlineretailers.Argentinashowedtheoppositetrend,withcross-borderaccountingforjustthreepercentofthenationale-commerceexpenditure.ReadmoreNote(s):LAC;August2023;thesourcecombinedvarioussourcestogether.MissingcountriesareprobablybecausethesourcedidnotincludetheminitsresearchSource(s):PaymentsandCommerceMarketIntelligence(PCMI)ShareofdigitallyinitiatedremittancesinBrazilfrom2ndquarter2016to3rdquarter2023,basedonremittanceinflowfromanyothercountryQuarterlymarketshareofincomingdigitalremittancesinBrazil2016-2023TraditionallyinitiatedDigitallyinitiatedDigitalend-to-end120%100%80%60%40%20%0%Q2

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Q320162016201620172017201720172018201820182018201920192019201920202020202020202021202120212021202220222022202220232023202318Description:TheshareofdigitalremittancesenteringBrazilwasnoticeablyhigherin2023thaninpreviousyears,makinguphalfofallmoneytransferstothecountry.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingtowardsBrazil.ThethreecountriesfromwhichBrazilreceivesthehighestvalueofremittancesincludetheU.S.,Japan,andPortugal.Remittancesarearelativelyunchartedtopic,though.Whilefiguresexistonthetotal[...]ReadmoreNote(s):Brazil;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry;Seethe"Details"tabformoreinformationonthecategorizationSource(s):WorldBank(RemittancePricesWorldwide)CHAPTER

03BiggestbrandsMarketshareofpaymentcardbrands-Visa,Mastercard,AmericanExpress,orin-marketlocalcardschemes-inBrazilfrom2016to2022BiggestinternationalanddomesticpaymentcardschemesinBrazil2016-2022MastercardVisaEloAmericanExpressHipercardCabalItaúUnibancoOthers120%100%80%60%40%20%0%201620172018201920202021202220Description:Mastercard'smarketshareinBrazildeclinedfourpercentagepointsbetween2020and2021,whilstVisa'smarketsharealsodeclined.Despitethisdevelopment,thetwocardbrandsareresponsibleforeightoutof10cardpaymentsineitheranofflineoronlineenvironmentintheSouthAmericancountry.DomesticschemeElofromS?oPaulodidbecomemorepopularastimewentby-coincidingwithageneralincreaseofbothdebitcardsaswellascreditcardsinBrazilianPOSpayments.

ReadmoreNote(s):Brazil;2016to2022;Basedontotaltransactionvalue,eitheronlineorofflineSource(s):GlobalData;PPRO;WorldpayMostusedmobilepaymentsbybrandinBrazilasofDecember2023MostusedmobilepaymentsbybrandinBrazil2023Shareofrespondents0%10%20%30%40%50%50%PicPayPayPal46%MercadoPago44%PagBank31%GooglePay26%99Pay16%16%ApplePayAME15%MastercardClicktoPay(Masterpass)10%10%RecargaPaySamsungPayNeteller8%2%Other13%21Description:WeaskedBrazilianconsumersabout"Mostusedmobilepaymentsbybrand"andfoundthat"PicPay"takesthetopspot,while"Neteller"isattheotherendoftheranking.ReadmoreNote(s):Brazil;JanuarytoDecember2023;643respondents;18-64years;respondentswhousedmobilepaymentinrestaurants,storesandotherpointsofsaleinthepast12months(Health,Finance,Insurance)Source(s):

ConsumerInsightsMostusedonlinepaymentsbybrandinBrazilasofDecember2023MostusedonlinepaymentsbybrandinBrazil2023Shareofrespondents0%10%20%30%40%50%60%70%80%PayPalMercadoPagoPicPay79%57%50%PagseguroGooglePayApplePayEbanx42%31%12%10%AstroPay5%5%PayoneerMetaPay(Facebook)Skrill4%4%3%2%1%TransferWiseNetellerPayUOther10%22Description:WeaskedBrazilianconsumersabout"Mostusedonlinepaymentsbybrand"andfoundthat"PayPal"takesthetopspot,while"PayU"isattheotherendoftheranking.ReadmoreNote(s):Brazil;JanuarytoDecember2023;818respondents;18-64years;respondentswhousedonlinepaymentmethods(Health,Finance,Insurance)Source(s):ConsumerInsightsBiggestbuynow,paylater(BNPL)appsinBrazilfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestbuynow,paylater(BNPL)appsinBrazil2015-2023,basedondownloadsPixParceladoCart?oCrédito(Recarga)PayPal*VirtusPayBoletoParcelado5,000,0004,500,0004,000,0003,500,0003,000,0002,500,0002,000,0001,500,0001,000,000500,000023Description:PureplayBNPLprovidersVirtusPayandAddiinBrazildidnotattractasmanydownloadsin2023asPayPal.Thisisaccordingtoresearchintoapproximately150differentappsthateitherofferbuynow,paylaterdirectly,orarecloselyaffiliatedwithit.Brazilisacaseinpoint,asmanypredictthesuccessofBNPLreliesonapotentialintegrationofthenewpaymentmethodwithinBrazil'spopularinstantpayment(IP)ecosystem.FintechRecargaPayoffersPixpaymentoptionsalongsidesmall[...]

ReadmoreNote(s):Brazil;March2024;Thisstatisticistheresultofresearchintoroughly150differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;Theappsondisplayheremadeup99.9percentofalldownloadsinQ42023Source(s):AppMagic;BusinessWire;CBInsights;ecommerceDB.com;Fincog;PayU;SiftedBiggestwalletsforcryptocurrencystorageinBrazilfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestcryptocurrencywalletsinBrazil2015-2023,basedondownloadsBinanceMetaMaskKuCoinCoinbaseTrustNovaDAXCoinbaseWalletSweatWalletFoxbitExchangeMercadoBitcoinOKXBitcoin&CryptoDeFiWallet

MEXCBybitBitget3,500,0003,000,0002,500,0002,000,0001,500,0001,000,000500,000024Description:BinancedownloadsinBrazilwerehigherthanthoseofCoinbaseordomesticappMercardoBitcoin(MB)inQ42022.Thisisaccordingtoanestimateusingroughly190differentappsthatofferacryptowalletfunctionfromacrosstheworld.Walletsarebutonetypeofappthatinteractwithdecentralizeddigitalassets,althoughitcanbedifficulttoseparatethedifferentapplicationsfromeachother.Cryptowalletsareoftenusedforcryptostorage,andlesssoforpayments.Payment[...]

ReadmoreNote(s):Brazil;March2024;Thisstatisticistheresultofresearchintoover190differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;The15appsondisplayheremadeup98.0percentofalldownloadsinQ4[...]

ReadmoreSource(s):AppMagic;CoinGecko;Website(CryptoSlate)BrandswiththehighestnumberofA2ApaymentstransactionspermonthinLatinAmericain2023(inmillions)BiggestA2ApaymentsbrandsinLatinAmericain2023,basedonnumberoftransactionsMonthlytransactioncountinmillions1,500

2,00005001,0002,5003,0003,500Pix(Brazil)Yape(Peru)3,238.79220PSE(Colombia)

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20MACH(Chile)CoDi(Mexico)25Description:ThenumberofmonthlytransactionsperformedwithBrazil'sPixweresignificantlyhigherthanotherA2ApaymentmethodselsewhereinLatinAmerica.TheBrazilianwallet–developedandmoderatedbythecountry'scentralbank,utilizingareal-timepaymentsrail–wasreleasedinlate2020,andsawitsnumberoftransactionsincreaseby300percentbetweenlaunchand20Note(s):Brazil,Chile,Colombia,Mexico,Peru,LAC;October2023;Thefiguresprovidedhavebeencollectedandcalculatedbyformoreinformation;NofigureswereavailableforArgentinaandEcuador.Source(s):CentralBankofBrazil;NationalWorksandPublicServicesBank(Mexico);VarioussourcessbelievedthatA2Apayments,oraccount-to-accountpayments–electronicpaymentsmadedirectlyfrom[...]

Readmorefromvariousdomesticsources.Allfigureswerereportedatvarioustimes,andmaynotbedirectlycomparable.Seethe“Details”tabBrandswiththehighestnumberofreal-time(instant)paymenttransactionsworldwidein2022(inbillions)Biggestreal-timepaymentsbrandsworldwidein2022,basedonnumberoftransactionsTransactioncountinbillions01020304050607080UPI(India)Pix(Brazil)7424IBPS(China)1615PromptPay(Thailand)EBS(SouthKorea)8Venmo,Zelle(UnitedStates)NIBSS(Nigeria)65FasterPayments(UnitedKingdom)ZenginSystem(Japan)PayNet(Malaysia)422Bizum(Spain)1BI-FAST(Indonesia)126Description:UPIinIndiaandPixinBraziltogetherreachednearly100billiontransactionsin2022,makingthemthelargestbrandsinreal-timepayments.RTPisespeciallycommoninAsia-Pacific.TransactionsinIndiaarealmostfivetimeshigherasinChina.SystemsintheUnitedStates–suchastheprivatelyownedVenmoandZelleintheUnitedStates,orthepublicinterbanksystemofFasterPaymentsintheUK–aremuchsmallerincomparison.Real-timepaymentsgenerallyhavetwomain[...]

ReadmoreNote(s):Brazil,China,India,Indonesia,Japan,SouthKorea,Malaysia,Nigeria,Spain,Thailand,UnitedKingdom,UnitedStates;August2023;thesourcecombinedvarioussourcestogether.MissingcountriesareprobablybecausethesourcedidnotincludetheminitsresearchSource(s):BankforInternationalSettlements;BankIndonesia;BankNegaraMalaysia;BankofKorea;BankofSpain;BankofThailand;CentralBankofBrazil;CentralBankofNigeria;NPCI;NTTData;PayPal;People'sBankofChina;ZelleBiggestbrandsforremittancesinBrazilfrom1stquarter2011to3rdquarter2023,basedonremittanceinflowfromanyothercountryQuarterlymarketshareofincomingremittancebrandsinBrazil2011-2023MoneyGramWesternUnionRemitlyWorldRemitSmallWorldWiseRiaWalmart2WorldXoomGoVianexOther120%100%80%60%40%20%0%27Description:MoneyGramwasusedthemostforincomingremittancestoBrazil,althoughitsmarketsharestayedrelativelyunchangedin2023.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingtowardsBrazil.ThethreecountriesfromwhichBrazilreceivedthehighestvalueofremittancesaretheU.S.,Japan,andPortugal.Remittancesarearelativelyunchartedtopic,though.Whilefiguresexistonthetotaltrafficbetweenindividual[...]

ReadmoreNote(s):Brazil;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry.Source(s):WorldBank(RemittancePricesWorldwide)CHAPTER

04UsersTotalnumberofcreditcardsanddebitcardsincirculationinBrazilfrom2012to2022AnnualcreditcardanddebitcardsissuedinBrazil2012-2022CreditcardsDebitcards700,000,000600,000,000500,000,000400,000,000300,000,000200,000,000100,000,00002012201320142015201620172018201920202021202229Description:Brazilisbelievedtohavenearly140millionmoredebitcardsincirculationthancreditcardsbytheendof2022.Thatsaid,thenumberofcreditcardsthatyeargrewsubstantiallyfasterthanthenumberofdebitcardsissued.ThenumberprovidedareestimatesastheBraziliancentralbankdoesnotprovidemanyfiguresonpaymentcards.Forexample,itdoesnotsupplyfiguresonthetotalnumberofcardsoverall-betheycreditordebit-forthecountry,asopposedtoothercountriesin[...]

ReadmoreNote(s):Brazil;2012to2022;Nonumberswereprovidedfrombefore2012;Figureswerereleasedinearly2024,andhaveasignificantpublicationdelayduetodomesticdatacollectionandreporting.Source(s):BankforInternationalSettlements;CentralBankofBrazil;ShareofindividualswhoownacreditcardinBrazilin2011,2014,2017and2021withaforecastfor2024,byage,gender,andincomelevelTriennialcreditcardpenetrationinBrazil2011-2024,bydemographic201129.2%-201432%201727%202140.4%35.6%2024*39.9%36.6%OwnershipUsedacreditcardGender:28.3%22.6%Male31.8%26.8%38.1%26.3%32.6%22%47.2%33.3%48.1%31.5%FemaleAgegroup:15-24years25yearsandolderIncomelevel:Poorest40%Richest60%24.1%30.8%24.9%34.3%17%37.1%41.5%34.5%41.6%30.1%15%20.5%39.7%15.6%34.6%27.6%49%28.3%47.6%38.7%30Description:ThisstatisticpresentsatimelinewiththeshareofindividualswhoownedacreditcardinBrazilbetween2011and2017.In2017,approximately27percentofBraziliansownedacreditcard,downfromover32percentin2014.

ReadmoreNote(s):AugusttoNovember2021;approx.1,000percountry;15yearsandolder;Entirecivilian,noninstitutionalizedpopulation;*Thedatafor2024isaforecastcalculatedbyThefiguresshownarefromaglobalsurveyheldevery3years.Datafor2021-themostrecentyearavailable-wasreleasedinJune2022.Source(s):Gallup;WorldBankShareofindividualswhoownadebitcardinBrazilin2011,2014,2017and2021withaforecastfor2024,byage,gender,andincomelevelTriennialdebitcardpenetrationinBrazil2011-2024,bydemographic201141.2%-201459.2%41.7%201759.3%33%202166%2024*74.7%44.6%-OwnershipUsedadebitcardGender:45.5%Male46.8%36%65%64.8%54.4%71.5%60.2%80.1%69%-Female53.6%Agegroup:15-24years25yearsandolderIncomelevel:Poorest40%Richest60%27.9%45.3%47.3%62.9%37.5%66.1%63.2%67.1%68.5%76.8%-24.1%52.6%41.8%70.7%43.8%69.7%62.9%67.9%72.9%75.8%31Description:Accordingtoathree-yearsurvey,twooutofthreeBraziliansownedadebitcardin2021butlessthanhalfus