デフォルト表紙
市場調査レポート
商品コード
1400888

米国の金融カードと決済市場

Financial Cards and Payments in the US

出版日: | 発行: Euromonitor International | ページ情報: 英文 62 Pages | 納期: 即日から翌営業日

価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=150.28円
米国の金融カードと決済市場
出版日: 2023年12月15日
発行: Euromonitor International
ページ情報: 英文 62 Pages
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

2023年最大のニュースは、連邦準備制度理事会(FRB)がインフレと景気後退の脅威と戦っていることです。2022年のインフレ率は最近の標準を大幅に上回り、FRBはフェデラルファンド金利の引き上げを継続するか否かの判断に約1年半を費やしました。FRBはとらえどころのない「ソフトランディング」(景気を冷え込ませることなくインフレ率を目標の2%まで低下させること)を達成するため、1月の0.08%から9月までに5.33%まで利上げを行っています。

当レポートでは、米国の金融カードと決済市場について調査し、スマートカード、クレジットカード、デビットカード、チャージカード、プリペイドカード、ストアカードの市場規模と構造を明らかにしています。また、市場の主要参入企業(発行会社と運営会社)、カードの流通枚数、取引件数、取引額に注目し、セクターの予測や注目すべき動向について戦略的な分析を行っています。

目次

エグゼクティブサマリー

市場指標

市場データ

免責事項

情報源

米国のデビットカード

主要なデータ調査結果

2023年の発展

  • デビットカードにとって不正行為は依然として重要な問題
  • デビットカードと他の種類のカードの境界線は依然として曖昧
  • デビットはクレジットヒストリーの欠如により若い世代の間で成功を収める

見通しと機会

  • 銀行口座の金利は新たな消費者を呼び込む可能性がある
  • 商業用デビットカードは引き続き健全な成長が見込まれる
  • デビットカードの手数料規制が目前に迫っている

カテゴリーデータ

米国のクレジットカード

主要なデータ調査結果

2023年の発展

  • インフレ環境がクレジットカードの成長に貢献
  • 連邦準備制度は金利を引き上げ、インフレを抑制するが、信用金利の上昇を強いる
  • Apple、BNPLへの参入と節約の方法を模索

見通しと機会

  • 教育ローン救済が終了し、借金がクレジットカードに転嫁される可能性が高い
  • BNPLの普及は競合をもたらすが、クレジットカードの使用別矮小化される
  • クレジットカード競合法はクレジットカードの将来に影響を及ぼし続けている

カテゴリーデータ

米国のチャージカード

主要なデータ調査結果

2023年の発展

  • 金利上昇の恩恵を受ける可能性がある
  • American Expressは米国におけるチャージカードの優位性を維持
  • 商業決済は引き続き回復と成長を続ける

見通しと機会

  • 信用交換は顕微鏡下で行われ、報酬率を脅かしている
  • チャージカードの普及はクレジットカードに比べ遅れ、BNPLは脅威
  • デジタル世界で新たな消費者と出会う

カテゴリーデータ

米国のプリペイドカード

主要なデータ調査結果

2023年の発展

  • オフィスに戻る従業員が増えるにつれ、交通系プリペイドカードが回復
  • プリペイドカードは政府援助や納税申告においてますます大きな役割を果たす
  • プリペイドカードはフィンテックへの進出を続ける

見通しと機会

  • 暗号カードとプリペイドカードは将来に向けて興味深い提案を提供
  • オープンループとクローズドループのプリペイドカードの両方において、不正行為は引き続き大きな問題
  • プリペイドカードは、より低いカード手数料を追求する中で勝者となるか

カテゴリーデータ

米国のストアカード

主要なデータ調査結果

2023年の発展

  • インフレ率が再び高くなり、人々は家計をやりくりするために信用が必要になる
  • 競合情勢とカテゴリー上昇の可能性
  • 他の種類のカードと比較してストアカードの不正リスクを評価する

見通しと機会

  • BNPLによるカニバリゼーションの脅威
  • 忠誠心と統合に関する機会- デジタル開発の必要性
  • 規制案が目白押しの将来、ストアカードが勝者となる可能性はあるか

カテゴリーデータ

目次
Product Code: FCUS

The biggest news of 2023 has been administrative, with the Federal Reserve fighting inflation and the threat of recession. With inflation well above recent norms in 2022, the Fed spent roughly 18 months in a constant dance of deciding whether to continue raising the federal funds rate. In its hopes of achieving the elusive "soft landing" - a reduction in inflation back to its target 2% without overcooling the economy into a recession - the Fed raised rates from 0.08% in January to 5.33% by Septe...

Euromonitor International's Financial Cards and Payments in USA report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Financial Cards in Circulation, Mobile Payments, Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Financial Cards and Payments market;
  • Pinpoint growth sectors and identify factors driving change;
  • Understand the competitive environment, the market's major players and leading brands;
  • Use five-year forecasts to assess how the market is predicted to develop.

TABLE OF CONTENTS

List Of Contents And Tables

EXECUTIVE SUMMARY

  • Financial cards and payments in 2023: The big picture
  • 2023 key trends
  • The administration takes aim: Crypto indictments and federal interest rates
  • Competitive landscape
  • What next for financial cards and payments?

MARKET INDICATORS

  • Table 1 Number of POS Terminals: Units 2018-2023
  • Table 2 Number of ATMs: Units 2018-2023
  • Table 3 Value Lost to Fraud 2018-2023
  • Table 4 Card Expenditure by Location 2023
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2018-2023
  • Table 6 Domestic versus Foreign Spend 2023

MARKET DATA

  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2018-2023
  • Table 8 Financial Cards by Category: Number of Accounts 2018-2023
  • Table 9 Financial Cards Transactions by Category: Value 2018-2023
  • Table 10 Financial Cards by Category: Number of Transactions 2018-2023
  • Table 11 Consumer Payments by Category: Value 2018-2023
  • Table 12 Consumer Payments by Category: Number of Transactions 2018-2023
  • Table 13 M-Commerce by Category: Value 2018-2023
  • Table 14 M-Commerce by Category: % Value Growth 2018-2023
  • Table 15 Financial Cards: Number of Cards by Issuer 2018-2022
  • Table 16 Financial Cards: Number of Cards by Operator 2018-2022
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2018-2022
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2018-2022
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2023-2028
  • Table 20 Forecast Financial Cards by Category: Number of Accounts 2023-2028
  • Table 21 Forecast Financial Cards Transactions by Category: Value 2023-2028
  • Table 22 Forecast Financial Cards by Category: Number of Transactions 2023-2028
  • Table 23 Forecast Consumer Payments by Category: Value 2023-2028
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2023-2028
  • Table 25 Forecast M-Commerce by Category: Value 2023-2028
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2023-2028

DISCLAIMER

SOURCES

  • Summary 1 Research Sources

DEBIT CARDS IN THE US

KEY DATA FINDINGS

2023 DEVELOPMENTS

  • Fraud remains an important story for debit cards
  • The line between debit cards and other card types continues to blur
  • Debit sees success with younger generations due to lack of credit history

PROSPECTS AND OPPORTUNITIES

  • Bank account interest rates have potential to draw in new consumers
  • Commercial debit cards set to continue to see healthy growth
  • Debit card fee regulation on the horizon

CATEGORY DATA

  • Table 27 Debit Cards: Number of Cards in Circulation 2018-2023
  • Table 28 Debit Cards Transactions 2018-2023
  • Table 29 Debit Cards in Circulation: % Growth 2018-2023
  • Table 30 Debit Cards Transactions: % Growth 2018-2023
  • Table 31 Debit Cards: Number of Cards by Issuer 2018-2022
  • Table 32 Debit Cards: Number of Cards by Operator 2018-2022
  • Table 33 Debit Cards Payment Transaction Value by Issuer 2018-2022
  • Table 34 Debit Cards Payment Transaction Value by Operator 2018-2022
  • Table 35 Forecast Debit Cards: Number of Cards in Circulation 2023-2028
  • Table 36 Forecast Debit Cards Transactions 2023-2028
  • Table 37 Forecast Debit Cards in Circulation: % Growth 2023-2028
  • Table 38 Forecast Debit Cards Transactions: % Growth 2023-2028

CREDIT CARDS IN THE US

KEY DATA FINDINGS

2023 DEVELOPMENTS

  • Inflationary environment a contributory factor to growth for credit cards
  • Federal Reserve raises interest rates, taming inflation but forcing credit rates higher
  • Apple explores ways to enter BNPL and savings

PROSPECTS AND OPPORTUNITIES

  • With education lending relief ending, debts likely to make their way onto credit cards
  • The proliferation of BNPL will bring competition, but be dwarfed by credit card use
  • Credit Card Competition Act continues to hang over the future of credit cards

CATEGORY DATA

  • Table 39 Credit Cards: Number of Cards in Circulation 2018-2023
  • Table 40 Credit Cards Transactions 2018-2023
  • Table 41 Credit Cards in Circulation: % Growth 2018-2023
  • Table 42 Credit Cards Transactions: % Growth 2018-2023
  • Table 43 Commercial Credit Cards: Number of Cards in Circulation 2018-2023
  • Table 44 Commercial Credit Cards Transactions 2018-2023
  • Table 45 Commercial Credit Cards in Circulation: % Growth 2018-2023
  • Table 46 Commercial Credit Cards Transactions: % Growth 2018-2023
  • Table 47 Personal Credit Cards: Number of Cards in Circulation 2018-2023
  • Table 48 Personal Credit Cards Transactions 2018-2023
  • Table 49 Personal Credit Cards in Circulation: % Growth 2018-2023
  • Table 50 Personal Credit Cards Transactions: % Growth 2018-2023
  • Table 51 Credit Cards: Number of Cards by Issuer 2018-2022
  • Table 52 Credit Cards: Number of Cards by Operator 2018-2022
  • Table 53 Credit Cards Payment Transaction Value by Issuer 2018-2022
  • Table 54 Credit Cards Payment Transaction Value by Operator 2018-2022
  • Table 55 Commercial Credit Cards: Number of Cards by Issuer 2018-2022
  • Table 56 Commercial Credit Cards: Number of Cards by Operator 2018-2022
  • Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2018-2022
  • Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2018-2022
  • Table 59 Personal Credit Cards: Number of Cards by Issuer 2018-2022
  • Table 60 Personal Credit Cards: Number of Cards by Operator 2018-2022
  • Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2018-2022
  • Table 62 Personal Credit Cards Payment Transaction Value by Operator 2018-2022
  • Table 63 Forecast Credit Cards: Number of Cards in Circulation 2023-2028
  • Table 64 Forecast Credit Cards Transactions 2023-2028
  • Table 65 Forecast Credit Cards in Circulation: % Growth 2023-2028
  • Table 66 Forecast Credit Cards Transactions: % Growth 2023-2028
  • Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2023-2028
  • Table 68 Forecast Commercial Credit Cards Transactions 2023-2028
  • Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2023-2028
  • Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2023-2028
  • Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2023-2028
  • Table 72 Forecast Personal Credit Cards Transactions 2023-2028
  • Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2023-2028
  • Table 74 Forecast Personal Credit Cards Transactions: % Growth 2023-2028

CHARGE CARDS IN THE US

KEY DATA FINDINGS

2023 DEVELOPMENTS

  • Possible beneficiary of higher interest rates
  • American Express maintains its dominance of charge cards in the US
  • Commercial payments continue to rebound and grow

PROSPECTS AND OPPORTUNITIES

  • Credit interchange is under the microscope, threatening rewards rates
  • Popularity of charge cards lags behind that of credit cards, and BNPL is a threat
  • Meeting new consumers in the digital world

CATEGORY DATA

  • Table 75 Charge Cards: Number of Cards in Circulation 2018-2023
  • Table 76 Charge Cards Transactions 2018-2023
  • Table 77 Charge Cards in Circulation: % Growth 2018-2023
  • Table 78 Charge Cards Transactions: % Growth 2018-2023
  • Table 79 Commercial Charge Cards: Number of Cards in Circulation 2018-2023
  • Table 80 Commercial Charge Cards Transactions 2018-2023
  • Table 81 Commercial Charge Cards in Circulation: % Growth 2018-2023
  • Table 82 Commercial Charge Cards Transactions: % Growth 2018-2023
  • Table 83 Personal Charge Cards: Number of Cards in Circulation 2018-2023
  • Table 84 Personal Charge Cards Transactions 2018-2023
  • Table 85 Personal Charge Cards in Circulation: % Growth 2018-2023
  • Table 86 Personal Charge Cards Transactions: % Growth 2018-2023
  • Table 87 Charge Cards: Number of Cards by Issuer 2018-2022
  • Table 88 Charge Cards: Number of Cards by Operator 2018-2022
  • Table 89 Charge Cards Payment Transaction Value by Issuer 2018-2022
  • Table 90 Charge Cards Payment Transaction Value by Operator 2018-2022
  • Table 91 Commercial Charge Cards: Number of Cards by Issuer 2018-2022
  • Table 92 Commercial Charge Cards: Number of Cards by Operator 2018-2022
  • Table 93 Commercial Charge Cards Payment Transaction Value by Issuer 2018-2022
  • Table 94 Commercial Charge Cards Payment Transaction Value by Operator 2018-2022
  • Table 95 Personal Charge Cards: Number of Cards by Issuer 2018-2022
  • Table 96 Personal Charge Cards: Number of Cards by Operator 2018-2022
  • Table 97 Personal Charge Cards Transaction Value by Issuer 2018-2022
  • Table 98 Personal Charge Cards Transaction Value by Operator 2018-2022
  • Table 99 Forecast Charge Cards: Number of Cards in Circulation 2023-2028
  • Table 100 Forecast Charge Cards Transactions 2023-2028
  • Table 101 Forecast Charge Cards in Circulation: % Growth 2023-2028
  • Table 102 Forecast Charge Cards Transactions: % Growth 2023-2028
  • Table 103 Forecast Commercial Charge Cards: Number of Cards in Circulation 2023-2028
  • Table 104 Forecast Commercial Charge Cards Transactions 2023-2028
  • Table 105 Forecast Commercial Charge Cards in Circulation: % Growth 2023-2028
  • Table 106 Forecast Commercial Charge Cards Transactions: % Growth 2023-2028
  • Table 107 Forecast Personal Charge Cards: Number of Cards in Circulation 2023-2028
  • Table 108 Forecast Personal Charge Cards Transactions 2023-2028
  • Table 109 Forecast Personal Charge Cards in Circulation: % Growth 2023-2028
  • Table 110 Forecast Personal Charge Cards Transactions: % Growth 2023-2028

PRE-PAID CARDS IN THE US

KEY DATA FINDINGS

2023 DEVELOPMENTS

  • Transportation pre-paid cards rebounds as more workers return to the office
  • Pre-paid cards play an increased role in government aid and tax returns
  • Pre-paid cards continue to make their way into fintech

PROSPECTS AND OPPORTUNITIES

  • Crypto and pre-paid cards offer an interesting proposition for the future
  • Fraud continues to be a major issue for both open and closed loop pre-paid cards
  • Will pre-paid cards be a winner in the quest for lower card fees?

CATEGORY DATA

  • Table 111 Pre-paid Cards: Number of Cards in Circulation 2018-2023
  • Table 112 Pre-paid Cards Transactions 2018-2023
  • Table 113 Pre-paid Cards in Circulation: % Growth 2018-2023
  • Table 114 Pre-paid Cards Transactions: % Growth 2018-2023
  • Table 115 Closed Loop Pre-paid Cards Transactions 2018-2023
  • Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
  • Table 117 Open Loop Pre-paid Cards Transactions 2018-2023
  • Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2018-2023
  • Table 119 Pre-paid Cards: Number of Cards by Operator 2018-2022
  • Table 120 Pre-paid Cards Transaction Value by Operator 2018-2022
  • Table 121 Open Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
  • Table 122 Open Loop Pre-paid Cards Transaction Value by Operator 2018-2022
  • Table 123 Forecast Pre-paid Cards: Number of Cards in Circulation 2023-2028
  • Table 124 Forecast Pre-paid Cards Transactions 2023-2028
  • Table 125 Forecast Pre-paid Cards in Circulation: % Growth 2023-2028
  • Table 126 Forecast Pre-paid Cards Transactions: % Growth 2023-2028
  • Table 127 Forecast Closed Loop Pre-paid Cards Transactions 2023-2028
  • Table 128 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2023-2028
  • Table 129 Forecast Open Loop Pre-paid Cards Transactions 2023-2028
  • Table 130 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2023-2028

STORE CARDS IN THE US

KEY DATA FINDINGS

2023 DEVELOPMENTS

  • High inflation again leads people to need credit to make ends meet
  • Competitive landscape and potential for category creep
  • Assessing fraud risk on store cards relative to other card types

PROSPECTS AND OPPORTUNITIES

  • Threat of cannibalisation by BNPL
  • Opportunities in terms of loyalty and integration - the need for digital development
  • Could store cards be a winner in a future full of proposed regulations?

CATEGORY DATA

  • Table 131 Store Cards: Number of Cards in Circulation 2018-2023
  • Table 132 Store Cards Transactions 2018-2023
  • Table 133 Store Cards in Circulation: % Growth 2018-2023
  • Table 134 Store Cards Transactions: % Growth 2018-2023
  • Table 135 Store Cards: Number of Cards by Issuer 2018-2022
  • Table 136 Store Cards: Payment Transaction Value by Issuer 2018-2022
  • Table 137 Forecast Store Cards: Number of Cards in Circulation 2023-2028
  • Table 138 Forecast Store Cards Transactions 2023-2028
  • Table 139 Forecast Store Cards in Circulation: % Growth 2023-2028
  • Table 140 Forecast Store Cards Transactions: % Growth 2023-2028