Retail Payment Systems

In the OIC Member Countries

110

Table A3. Morocco: Market Data and Indicators

2009

2010

2011

2012

2013

2014

No of POS terminals (‘000 units)

15.0

18.0

20.0

28.0

36.0

47.0

No of ATMs (‘000 units)

15.0

18.0

20.0

28.0

36.0

47.0

Value Lost to Fraud 2009-2014

(MAD mn)

4.4

5.0

5.5

6.1

0.8

0.9

Financial Cards in Circulation by Type: % Number of Cards 2009-2014

Contact Smart Cards

0.0

48.0

67.0

82.0

Contactless Smart Cards

0.2

0.5

1.2

Non-Smart Cards

100.0

51.8

32.5

16.8

Total

100.0

Number of Cards in Circulation 2009-2014 ('000 cards)

ATM Function

5,144.0

5,812.7

6,455.0

7,272.9

8,218.3

9,237.4

Charge Card Function

250.9

276.8

276.5

240.6

239.6

241.8

Credit Function

64.8

83.0

116.0

120.9

118.7

118.0

Debit Function

4,453.0

4,720.0

5,116.8

5,868.4

6,252.1

6,698.8

Pre-Paid Function

180.2

185.9

192.4

Store Cards

908.7

987.7

1,121.0

1,213.3

1,298.2

1,370.3

Financial Cards in Circulation

6,371.0

7,041.7

8,023.2

9,220.9

9,791.1

10,607.6

Financial Cards Transactions by Category: Value 2009-2014 (MAD mn)

ATM Transactions

95,832.1

113,081.9 138,299.1 155,586.5 173,479.0 193,342.3

Card Payment Transactions

112,414.1 122,715.7 132,764.4 150,864.4 160,700.0 172,560.8

- Charge Card Transactions

2,356.8

2,738.1

3,170.2

2,823.7

2,821.0

2,843.6

- Credit Card Transactions

689.4

821.4

1,209.6

1,314.0

1,417.3

1,552.0

- Debit Transactions

108,231.9 117,608.8 126,279.4 144,211.1 153,766.6 165,299.1

- Pre-Paid Transactions

229.4

236.3

249.4

- Store Card Transactions

1,136.0

1,547.4

2,105.2

2,286.2

2,458.8

2,616.7

Total Cards Transactions

208,246.2 235,797.6 271,063.5 306,450.9 334,179.0 365,903.1

Financial Cards by Category: Number of Transactions 2009-2014 (mn transactions)

ATM Transactions

136.4

161.5

184.8

211.6

240.2

273.4

Card Payment Transactions

264.2

278.3

298.3

347.6

368.8

395.0

- Charge Card Transactions

3.9

4.6

5.2

4.6

- Credit Card Transactions

1.1

1.4

2.0

2.2

2.4

2.6

- Debit Transactions

257.6

270.0

288.0

328.2

348.7

374.0

- Pre-Paid Transactions

9.2

9.5

9.9

- Store Card Transactions

1.6

2.3

3.2

3.4

3.7

3.9

Total Cards Transactions

400.6

439.8

483.1

559.2

609.0

668.4

Financial Cards by Category: Number of Accounts 2009-2014 ('000 cards)

Charge Card Function

239.0

263.6

264.5

236.7

229.9

226.9

Credit Function

55.9

61.7

79.1

102.6

105.1

106.8

Debit Function

4,365.7

4,627.5

5,055.4

5,571.5

6,043.7

6,503.2

Store Cards

908.7

987.7

1,121.0

1,213.3

1,298.3

1,370.3

Financial Cards in Circulation

5,569.2

5,940.4

6,519.9

7,124.1

7,677.0

8,207.2

Consumer Payments by Category: Value 2009-2014 (MAD bn)

Card Payment Transactions (Excl

Commercial)

110.6

120.6

130.3

148.6

158.4

170.2

Electronic Direct/ACH

Transactions

0.2

0.3

0.4

0.8

1.4

2.1

Paper Payment Transactions

284.5

292.3

315.2

323.1

345.2

353.3

- Cash Transactions

284.1

292.0

314.9

322.7

344.9

353.1

- Other Paper Payment Types

0.4

0.3

Consumer Payment

Transactions

395.2

413.3

445.9

472.4

505.0

525.6

Consumer Payments by Category: Number of Transactions 2009-2014 (mn transactions)

Card Payment Transactions (Excl

261.9

275.5

295.0

344.5

365.7

391.9