Thinking of launching
a card programme
in Germany?
Launching a new card programme in Hong Kong isn’t straightforward. With around 93 million cards in circulation and over HKD 1.5 trillion in annual transactions, the opportunity is significant, but so is the complexity.
But launching successfully takes more than ambition. It requires navigating a multi-layered regulatory landscape, understanding girocard and scheme dynamics, and choosing the right local partners.
This Quick Start Guide, developed with Flagship Advisory Partners, gives fintech and financial services teams the clarity to navigate Germany’s card ecosystem — and the confidence to launch the right way.
What’s inside
Market sizing
across prepaid, credit, debit, and commercial dynamics
Regulatory structure
BaFin, Bundesbank, and EU alignment
Local value chain
Key players and their roles
Schemes
Girocard vs. international schemes: participation models and trade-offs
Operating models
Go-to-market operating models and strategic partner choices
Structured programme
A structured programme launch checklist and roadma
Best practises
Best practices and common pitfalls when launching card programmes
