The Republic of Croatia is a unitary democratic parliamentary republic in Europe at the crossroads of Central Europe, the Balkans, and the Mediterranean. Link to external site : Website for Croatia |  |
| Wallets | |
| Development | Developed |
| Send or Receive |
Receive Register/Log In |
| GDP ($m) |
51,277.51 Register/Log In |
| HDI classification | High |
| Mobile Connections (m) |
6.794 Upgrade to Bronze |
| Currency | HRK |
| Class | |
| CountryISO | HR |
| Sovereignity | Country |
| Territory of | - NA - |
{"type":"GeoChart","data":[["Country","Population(m)","Rank"],["HR",4.438,114]],"options":{"title":"Countries","region":"HR","displayMode":"regions","colorAxis":{"minValue":0,"maxValue":1500,"colors":["yellow","green","red"]}}}
{"type":"PieChart","data":[["Operator","Connections"],["T-Mobile (Deutsche Telekom)",3263875],["Vipnet (Telekom Austria)",2715131],["Tele2",815490]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",1111000],["Q4 2001",1737212],["Q4 2002",2261200],["Q4 2003",2537400],["Q4 2004",2807640],["Q4 2005",3605900],["Q4 2006",4427300],["Q4 2007",5034600],["Q4 2008",5879600],["Q4 2009",6059858],["Q4 2010",6176351],["Q4 2011",6353497],["Q4 2012",6491926],["Q4 2013",6599850],["Q4 2014",6689009]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Location",2],["Mobile",3],["Online",1],["Web",1]],"options":{"title":"Initiatives ( 3 of 3 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",2],["Vendor",1]],"options":{"title":"Initiatives ( 3 of 3 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["DB",1],["DT",1],["NFC",1]],"options":{"title":"Initiatives ( 3 of 3 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["LP",1],["MB",2],["MP",1],["NFC",1],["OB",2]],"options":{"title":"Initiatives ( 3 of 3 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Account",2],["Card",2],["NFC",1]],"options":{"title":"Initiatives ( 3 of 3 )"}} |
| Central Bank | |
| Key Regulations | |
| Type of law |
Civil Upgrade to Bronze |
| Legal System |
Civil law system based on Yugoslav civil codes; note - Croatian legislation is changing the former Yugoslav legal model Upgrade to Bronze |
| Law is based on |
Influenced by Austrian and Hungarian law Upgrade to Bronze |
| Approach |
Ex Ante Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
NB Led Upgrade to Bronze |
| DominantModel |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",136.59],["Banked",42],["Internet",45],["Urban",57],["Adult",85],["Literate",98.7168]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 4.44 |
| Adult % | 85.00 |
| Migrants % |
15.00 Register/Log In |
| Stock Immigrants ('000) |
699.90 Upgrade to Bronze |
| Emigration Rate % |
12.00 Upgrade to Bronze |
| Internal Migrants ('000) |
800.00 Upgrade to Bronze |
| Internal Migration Rate % |
26.60 Upgrade to Bronze |
| Intl Movement Rate % |
23.80 Upgrade to Bronze |
| Urban % | 57.00 |
| Female % | 53.00 |
| Literate % | 98.72 |
| Annual Growth % |
| Mobile Penetration % | 136.59 |
| Banked % | 42.00 |
| Access to FS % | 42.00 |
| Internet % | 45.00 |
| Branches per 100k adults | 33.20 |
| ATMs per 100k adults | 88.62 |
| POS per 100k adults | 2,121.25 |
| Prepaid % | 73.00 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 2.57 |
| Monthly ARPU |
20.46 Upgrade to Bronze |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? | |
| Can Market under Brand? | |
| Can issue E-Money? | |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Medium Term Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |