Vurdering av tiltak i markedet for internasjonale ... - Finanstilsynet
Vurdering av tiltak i markedet for internasjonale ... - Finanstilsynet
Vurdering av tiltak i markedet for internasjonale ... - Finanstilsynet
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Innhold<br />
1. Innledning ...................................................................................................................................... 4<br />
1.1. Bakgrunn ................................................................................................................................. 4<br />
1.2. Tidligere vurderinger .............................................................................................................. 5<br />
1.3. Mandat .................................................................................................................................... 7<br />
1.4. Metode og datainnsamling ...................................................................................................... 8<br />
1.5. Rapportens oppbygging .......................................................................................................... 9<br />
2. Betalingskortsystemer ................................................................................................................ 10<br />
2.1. Nærmere om betalingskortsystemer ...................................................................................... 10<br />
2.2. Formidlingsgebyr og prisstruktur .......................................................................................... 13<br />
3. Betalingskort<strong>markedet</strong> i Norge .................................................................................................. 16<br />
3.1. Kortbruk i Norge ................................................................................................................... 16<br />
3.2. Innløsing <strong>av</strong> <strong>internasjonale</strong> betalingskort ............................................................................. 17<br />
3.3. Markedsandeler og markedskonsentrasjon ........................................................................... 19<br />
3.4. Markedsvolum ...................................................................................................................... 20<br />
3.5. Utvikling i <strong>for</strong>midlingsgebyr ................................................................................................ 21<br />
3.6. Utvikling i brukerstedsgebyr ................................................................................................. 24<br />
3.7. Utvikling i atferdsregulerende bestemmelser ........................................................................ 27<br />
4. Utviklingen i Europa ................................................................................................................... 29<br />
4.1. Undersøkelsen fra 2007 ........................................................................................................ 29<br />
4.2. Situasjonen i Europa i 2011 .................................................................................................. 29<br />
5. Regulering <strong>av</strong> <strong>internasjonale</strong> betalingskortsystemer ............................................................... 31<br />
5.1. Markedssvikt i betalingskortsystemer ................................................................................... 31<br />
5.2. Regulering <strong>av</strong> brukerstedsgebyr ............................................................................................ 33<br />
5.3. Regulering <strong>av</strong> <strong>for</strong>midlingsgebyr ........................................................................................... 34<br />
6. <strong>Vurdering</strong>er og anbefalinger ...................................................................................................... 44<br />
7. Forklaring <strong>av</strong> enkelte uttrykk og begreper .............................................................................. 47<br />
8. Referanser .................................................................................................................................... 50<br />
9. Vedlegg ......................................................................................................................................... 52<br />
Offentlig versjon Side 2