Payment Card Year Books


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Payment Organization 

Interbank Card Processing Centre (ICPC). 

Domestic Card Brand 

  • Elcard cards (Elkart); 
  • Interregional Zolotaya Korona cards. 

Market Structure 

  • The Kyrgyz card payments market is at an early stage of development, and suffered a setback with the upheavals of 2010. 
  • However, the foundations have been laid for growth, with 17 banks issuing cards and 13 participating in the Elcard system. 
  • VISA is the dominant international brand. 
  • Zolotaya Korona is the interregional payment card system mostly used for money transfers. Some cards are co-branded Alai-Card. 
  • National Bank of Kyrgyz Republic, the central bank, is supervisor of the retail payments system and plays the lead role in its development. 
  • 16 Kyrgyz banks have foreign participation in their share capital, including banks from Turkey, Pakistan and Kazakhstan. 
  • With the withdrawal of UniCredit in March 2013, there is no major western bank presence. Foreign capital accounted for 36.5% of banking sector capital at end-2013. 

Notable Market Trends 

Rollout of contactless EMV cards and POS terminals has started. 

    Updated Information About:

    Major Issuers, Major Acquirers, Major Processors and Consumer Finance indicator.

    Statistical Key Figures for 2015 provided in this profile:

    • UPDATED: tables with card business data 2011-2015; growth rates: Y-o-Y, CAGR
    • Population, Cards per Capita, Card Value per Capita
    • Debit Cards, Credit/Delayed Debit Cards, Total Cards
    • Card payments by number and by value, ATV per card, payments per card/year
    • ATMs, POS terminals, ATMs/POS terminals per 1 million capita
    • ATM withdrawals by number/by value, ATV per withdrawal, TXs per ATM/month
    • POS payments by number/by value, ATV per POS payment, TXs per POS/month
    • Internet Use, e-payment mix, B2C e-Commerce by value and growth rate
    • Issued Card brands by individual major issuer bank
    • Accepted card brands by individual major acquirer
    • Drill down into the debit card use and credit cards use details

    Product information

    Digital product provided in PDF format. You will receive a download link to a zip file containing your files after checkout. 


    1.1(090117) last updated 9th January 2017