📋 Tender Overview
In 2018 the share of banking transactions conducted by means of mobile devices typically through mobile banking apps and internet banking accounted for almost 70 of the total volume according to the latest Retail and Card Payment Statistics released by the Central Bank of Brazil BCBonly in Portuguese. The transactions performed through mobile devices recorded 29 billion representing an increase of 18.5. The internet banking came in second with 21.9 billion transactions posting a growth rate of 6.3 in the year.As for credit cards the volume increased from 6.4 billion in 2017 to 7.4 billion in 2018 16.2 while debt cards transactions raised from 7.9 billion to 9 billion 13.7. In addition the credit transfers grew from 10.5 billion to 10.9 billion 3.9. Among the payment instruments the prepaid cards usage represented a small relative percentage of the total volume but its growth was expressive from 26 million transactions to 81 million 209.In parallel there were reductions in the volume carried out through call centers -6.7 bank branches and service stations -3.2 banking agents -2.8 and ATMs -3.9. The use of checks also declined from 731 million to 633 million transactions -13.4 in 2018 keeping its downward trendfrom 2009 to 2018 its volume decreased by 64.7.Lower fees charged for the use of debit and credit cardsBetween 2017 and 2018 the decline of the interchange fee for debit card transactionsfrom 0.82 to 0.58was favored by the BCBs regulation capping this fee Circular 3887 in effect since October 2018. Concomitantly the merchant discount fee MDR declined both for debit card from 1.46 to 1.36 and credit card from 2.57 to 2.48 transactions.
