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米国の金融カード・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: 即納可能 即納可能とは

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=104.83円
米国の金融カード・決済市場
出版日: 2020年11月05日
発行: Euromonitor International
ページ情報: 英文 62 Pages
納期: 即納可能 即納可能とは
  • 全表示
  • 概要
  • 目次
概要

新型コロナウイルス感染症 (COVID-19) の感染拡大に伴い、2020年3月から米国全土で外出禁止令が発令され、生活上重要でない事業の閉鎖が命じられました。その結果、多くの労働者が解雇され、2020年4月の失業率は14.7%に達し、大恐慌以来の歴史的な急増となりました。米国の金融カード市場にも様々な直接的・間接的影響が及んでいます。

当レポートでは、米国国内の各種金融カード・決済手段 - ATMカード、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 - の市場規模および構造について分析し、全体的な市場規模 (今後5年間分、発行枚数、取引件数・金額) の推移や見通し、分野別の詳細動向、市場競争の構造、主要企業 (発行企業、オペレーター) のプロファイルと業績、今後の市場成長・事業展開の方向性、といった情報を取りまとめてお届けいたします。

目次

米国の金融カード・決済市場:業界の概況

  • エグゼクティブサマリー
    • 消費者決済に対するCOVID-19の影響
    • COVID-19の国内への影響
    • 連邦政府のCARES法案の可決:史上最大・2兆ドル規模の経済刺激策
    • 非接触型決済:「透明人間」から「英雄」への転身
    • 発行企業:決済手段の柔軟性と新規カードの特典を巡る競争
    • 消費者決済市場に次に何が起こるのか?
  • 市場指標
  • 市場データ
  • 免責事項
  • 世界のマクロ経済指標
  • 世界の業界環境
  • データソース

米国のチャージカード市場:カテゴリー別分析

  • 市場データ:概略
  • 市場への影響 (2020年)
    • 柔軟性に欠ける決済手段:チャージカードの縮小傾向の促進
    • American Express:アカウントごとのチャージカードの発行枚数を制限
    • American Express:感染拡大時の中小企業への支援
  • 市場の回復と機会
    • チャージカードの業績回復:高所得消費者への還元策に依存
    • チャージカードと超プレミアム・クレジットカードとの競合が激化
    • Karat:インフルエンサー向けのチャージカードを導入
  • カテゴリー別データ

米国のクレジットカード市場:カテゴリー別分析

  • 市場データ:概略
  • 市場への影響 (2020年)
    • COVID-19により支払不能となるカード所有者が続出:発行企業は資金援助を提供
    • 交通費・接待費の減少:コマーシャルカードの取引額も急落
    • 発行企業:与信限度額を引き下げ、より少額のカード申請も受理
  • 市場の回復と機会
    • Chime:ミレニアム世代向けカードの発行 - デビットカードのような機能の搭載
    • 旅行用カード:旅行者の減少に対応して、特典を調整
    • 取り置きの急増:クレジットカードの業績回復への脅威
  • カテゴリー別データ

米国のデビットカード市場:カテゴリー別分析

  • 市場データ:概略
  • 市場への影響 (2020年)
    • 不況により消費者の信頼が棄損されるにつれ、個人用デビットカードの決済額が増加
    • 外出禁止令:商用デビットカードの減少を促進
    • COVID-19:残高不足手数料への関心の増大
  • 市場の回復と機会
    • Renewed momentum for contactless debit cards
    • Credit's recovery slows future growth of debit
    • Ellevest uses debit cards to promote its social mission
    • 非接触型デビットカードの更なる急増
    • クレジットカード市場の回復:デビットカードの成長抑制
    • Ellevest:デビットカードを用いた社会的使命の推進
  • カテゴリー別データ

米国のプリペイドカード市場:カテゴリー別分析

  • 市場データ:概略
  • 市場への影響 (2020年)
    • CARES法案による決済市場の刺激:オープンループ型プリペイドカードの利用促進
    • COVID-19の影響:プリペイドカードの種類によって大きく異なる
    • 中小企業:ロックダウン中のキャッシュフロー維持のためにギフトカードを推進
  • 市場の回復と機会
    • プリペイドカード:小売用キャッシュレス決済手段の潜在的勝者として浮上
    • BitPay:暗号通貨から信用通貨への換金用の、新型プリペイドカードの発行
    • 非接触型決済:ニューヨークの公共交通システムへの導入見通し
  • カテゴリー別データ

米国のストアカード市場:カテゴリー別分析

  • 市場データ:概略
  • 市場への影響 (2020年)
    • ストアカードによる即時割引:不況期に魅力が増大
    • 小売業者の破産による、ストアカード発行枚数の減少
    • クレジットカードの新たな特典:ストアカードにとっての課題
  • 市場の回復と機会
    • 信用スコアの要件が低いと、ストアカードの申請が増える傾向
    • eコマースへの移行:ストアカードのマーケティング戦略への脅威
    • 提携カード:ストアカードにとっての継続的な脅威
  • カテゴリー別データ
目次
Product Code: FCUS

COVID-19 forced states across the US to declare stay-at-home orders and close non-essential businesses, starting in late March 2020. These closures led to mass layoffs. The unemployment rate in April 2020 hit 14.7%, the highest rate since the Great Depression, having seen the largest month-on-month increase in the history of the Bureau of Labor Statistics' unemployment data. The record-high unemployment level had several immediate consequences on consumer payments. Americans who lost their jobs...

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, M-Commerce, 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

COVID-19 impact on consumer payments

COVID-19 country impact

Federal government passes USD2 trillion CARES Act, the largest economic stimulus package in history

Contactless payments go from near-zero to hero

Issuers compete on payment flexibility and new card benefits

What next for consumer payments?

MARKET INDICATORS

  • Table 1 Number of POS Terminals: Units 2015-2020
  • Table 2 Number of ATMs: Units 2015-2020
  • Table 3 Value Lost to Fraud 2015-2020
  • Table 4 Card Expenditure by Location 2020
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2015-2020
  • Table 6 Domestic versus Foreign Spend 2020

MARKET DATA

  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2015-2020
  • Table 8 Financial Cards by Category: Number of Accounts 2015-2020
  • Table 9 Financial Cards Transactions by Category: Value 2015-2020
  • Table 10 Financial Cards by Category: Number of Transactions 2015-2020
  • Table 11 Consumer Payments by Category: Value 2015-2020
  • Table 12 Consumer Payments by Category: Number of Transactions 2015-2020
  • Table 13 M-Commerce by Category: Value 2015-2020
  • Table 14 M-Commerce by Category: % Value Growth 2015-2020
  • Table 15 Financial Cards: Number of Cards by Issuer 2015-2019
  • Table 16 Financial Cards: Number of Cards by Operator 2015-2019
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2015-2019
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2015-2019
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2020-2025
  • Table 20 Forecast Financial Cards by Category: Number of Accounts 2020-2025
  • Table 21 Forecast Financial Cards Transactions by Category: Value 2020-2025
  • Table 22 Forecast Financial Cards by Category: Number of Transactions 2020-2025
  • Table 23 Forecast Consumer Payments by Category: Value 2020-2025
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2020-2025
  • Table 25 Forecast M-Commerce by Category: Value 2020-2025
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2020-2025

DISCLAIMER

GLOBAL MACROECONOMIC ENVIRONMENT

GLOBAL INDUSTRY ENVIRONMENT

SOURCES

    • Summary 1 Research Sources

KEY DATA FINDINGS

2020 IMPACT

Personal debit payments grow as recession erodes consumer confidence

Stay-at-home orders drive commercial debit card decline

COVID-19 puts a spotlight on overdraft fees

RECOVERY AND OPPORTUNITIES

Renewed momentum for contactless debit cards

Credit's recovery slows future growth of debit

Ellevest uses debit cards to promote its social mission

CATEGORY DATA

  • Table 27 Debit Cards: Number of Cards in Circulation 2015-2020
  • Table 28 Debit Cards Transactions 2015-2020
  • Table 29 Debit Cards in Circulation: % Growth 2015-2020
  • Table 30 Debit Cards Transactions: % Growth 2015-2020
  • Table 31 Debit Cards: Number of Cards by Issuer 2015-2019
  • Table 32 Debit Cards: Number of Cards by Operator 2015-2019
  • Table 33 Debit Cards Payment Transaction Value by Issuer 2015-2019
  • Table 34 Debit Cards Payment Transaction Value by Operator 2015-2019
  • Table 35 Forecast Debit Cards: Number of Cards in Circulation 2020-2025
  • Table 36 Forecast Debit Cards Transactions 2020-2025
  • Table 37 Forecast Debit Cards in Circulation: % Growth 2020-2025
  • Table 38 Forecast Debit Cards Transactions: % Growth 2020-2025

KEY DATA FINDINGS

2020 IMPACT

Issuers offer financial assistance as COVID-19 leaves cardholders unable to make payments

Loss of T&E spending causes commercial cards' transaction value to plummet

Issuers lower credit limits, accept fewer card applications

RECOVERY AND OPPORTUNITIES

Chime creates a credit card for Millennials that acts like a debit card

Travel cards adjust benefits as cardholders stop travelling

Layaway's surge threatens credit cards' recovery

CATEGORY DATA

  • Table 39 Credit Cards: Number of Cards in Circulation 2015-2020
  • Table 40 Credit Cards Transactions 2015-2020
  • Table 41 Credit Cards in Circulation: % Growth 2015-2020
  • Table 42 Credit Cards Transactions: % Growth 2015-2020
  • Table 43 Commercial Credit Cards: Number of Cards in Circulation 2015-2020
  • Table 44 Commercial Credit Cards Transactions 2015-2020
  • Table 45 Commercial Credit Cards in Circulation: % Growth 2015-2020
  • Table 46 Commercial Credit Cards Transactions: % Growth 2015-2020
  • Table 47 Personal Credit Cards: Number of Cards in Circulation 2015-2020
  • Table 48 Personal Credit Cards Transactions 2015-2020
  • Table 49 Personal Credit Cards in Circulation: % Growth 2015-2020
  • Table 50 Personal Credit Cards Transactions: % Growth 2015-2020
  • Table 51 Credit Cards: Number of Cards by Issuer 2015-2019
  • Table 52 Credit Cards: Number of Cards by Operator 2015-2019
  • Table 53 Credit Cards Payment Transaction Value by Issuer 2015-2019
  • Table 54 Credit Cards Payment Transaction Value by Operator 2015-2019
  • Table 55 Commercial Credit Cards: Number of Cards by Issuer 2015-2019
  • Table 56 Commercial Credit Cards: Number of Cards by Operator 2015-2019
  • Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2015-2019
  • Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2015-2019
  • Table 59 Personal Credit Cards: Number of Cards by Issuer 2015-2019
  • Table 60 Personal Credit Cards: Number of Cards by Operator 2015-2019
  • Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2015-2019
  • Table 62 Personal Credit Cards Payment Transaction Value by Operator 2015-2019
  • Table 63 Forecast Credit Cards: Number of Cards in Circulation 2020-2025
  • Table 64 Forecast Credit Cards Transactions 2020-2025
  • Table 65 Forecast Credit Cards in Circulation: % Growth 2020-2025
  • Table 66 Forecast Credit Cards Transactions: % Growth 2020-2025
  • Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2020-2025
  • Table 68 Forecast Commercial Credit Cards Transactions 2020-2025
  • Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2020-2025
  • Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2020-2025
  • Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2020-2025
  • Table 72 Forecast Personal Credit Cards Transactions 2020-2025
  • Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2020-2025
  • Table 74 Forecast Personal Credit Cards Transactions: % Growth 2020-2025

KEY DATA FINDINGS

2020 IMPACT

Limited payment flexibility drives the decline in charge cards

American Express limits number of charge cards per account

American Express supporting small businesses during the pandemic

RECOVERY AND OPPORTUNITIES

Charge cards' recovery to depend on the return of high-income consumers

Competition between charge cards and ultra-premium credit cards intensifies

Karat introduces a charge card for influencers

CATEGORY DATA

  • Table 75 Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 76 Charge Cards Transactions 2015-2020
  • Table 77 Charge Cards in Circulation: % Growth 2015-2020
  • Table 78 Charge Cards Transactions: % Growth 2015-2020
  • Table 79 Commercial Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 80 Commercial Charge Cards Transactions 2015-2020
  • Table 81 Commercial Charge Cards in Circulation: % Growth 2015-2020
  • Table 82 Commercial Charge Cards Transactions: % Growth 2015-2020
  • Table 83 Personal Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 84 Personal Charge Cards Transactions 2015-2020
  • Table 85 Personal Charge Cards in Circulation: % Growth 2015-2020
  • Table 86 Personal Charge Cards Transactions: % Growth 2015-2020
  • Table 87 Charge Cards: Number of Cards by Issuer 2015-2019
  • Table 88 Charge Cards: Number of Cards by Operator 2015-2019
  • Table 89 Charge Cards Payment Transaction Value by Issuer 2015-2019
  • Table 90 Charge Cards Payment Transaction Value by Operator 2015-2019
  • Table 91 Commercial Charge Cards: Number of Cards by Issuer 2015-2019
  • Table 92 Commercial Charge Cards: Number of Cards by Operator 2015-2019
  • Table 93 Commercial Charge Cards Payment Transaction Value by Issuer 2015-2019
  • Table 94 Commercial Charge Cards Payment Transaction Value by Operator 2015-2019
  • Table 95 Personal Charge Cards: Number of Cards by Issuer 2015-2019
  • Table 96 Personal Charge Cards: Number of Cards by Operator 2015-2019
  • Table 97 Personal Charge Cards Transaction Value by Issuer 2015-2019
  • Table 98 Personal Charge Cards Transaction Value by Operator 2015-2019
  • Table 99 Forecast Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 100 Forecast Charge Cards Transactions 2020-2025
  • Table 101 Forecast Charge Cards in Circulation: % Growth 2020-2025
  • Table 102 Forecast Charge Cards Transactions: % Growth 2020-2025
  • Table 103 Forecast Commercial Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 104 Forecast Commercial Charge Cards Transactions 2020-2025
  • Table 105 Forecast Commercial Charge Cards in Circulation: % Growth 2020-2025
  • Table 106 Forecast Commercial Charge Cards Transactions: % Growth 2020-2025
  • Table 107 Forecast Personal Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 108 Forecast Personal Charge Cards Transactions 2020-2025
  • Table 109 Forecast Personal Charge Cards in Circulation: % Growth 2020-2025
  • Table 110 Forecast Personal Charge Cards Transactions: % Growth 2020-2025

KEY DATA FINDINGS

2020 IMPACT

CARES Act stimulus payments drive use of open-loop pre-paid cards

COVID-19's impact varies significantly by pre-paid card type

Small businesses push gift cards to maintain cashflow during lockdown

RECOVERY AND OPPORTUNITIES

Pre-paid emerges as a potential victor in the cashless retailers debate

BitPay introduces new crypto-to-fiat pre-paid card

Contactless payment on the way for New York's public transport system

CATEGORY DATA

  • Table 111 Pre-paid Cards: Number of Cards in Circulation 2015-2020
  • Table 112 Pre-paid Cards Transactions 2015-2020
  • Table 113 Pre-paid Cards in Circulation: % Growth 2015-2020
  • Table 114 Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 115 Closed Loop Pre-paid Cards Transactions 2015-2020
  • Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 117 Open Loop Pre-paid Cards Transactions 2015-2020
  • Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 119 Pre-paid Cards: Number of Cards by Operator 2015-2019
  • Table 120 Pre-paid Cards Transaction Value by Operator 2015-2019
  • Table 121 Open Loop Pre-paid Cards: Number of Cards by Operator 2015-2019
  • Table 122 Open Loop Pre-paid Cards Transaction Value by Operator 2015-2019
  • Table 123 Forecast Pre-paid Cards: Number of Cards in Circulation 2020-2025
  • Table 124 Forecast Pre-paid Cards Transactions 2020-2025
  • Table 125 Forecast Pre-paid Cards in Circulation: % Growth 2020-2025
  • Table 126 Forecast Pre-paid Cards Transactions: % Growth 2020-2025
  • Table 127 Forecast Closed Loop Pre-paid Cards Transactions 2020-2025
  • Table 128 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
  • Table 129 Forecast Open Loop Pre-paid Cards Transactions 2020-2025
  • Table 130 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2020-2025

KEY DATA FINDINGS

2020 IMPACT

Recession makes store cards' immediate discounts more appealing

Retailer bankruptcies drive down the number of store cards in circulation

New credit card reward categories challenge store cards

RECOVERY AND OPPORTUNITIES

Lower credit score requirements could boost store card applications

E-commerce shift threatens store cards' marketing strategy

Co-branded cards continue to threaten store cards

CATEGORY DATA

  • Table 131 Store Cards: Number of Cards in Circulation 2015-2020
  • Table 132 Store Cards Transactions 2015-2020
  • Table 133 Store Cards in Circulation: % Growth 2015-2020
  • Table 134 Store Cards Transactions: % Growth 2015-2020
  • Table 135 Store Cards: Number of Cards by Issuer 2015-2019
  • Table 136 Store Cards: Payment Transaction Value by Issuer 2015-2019
  • Table 137 Forecast Store Cards: Number of Cards in Circulation 2020-2025
  • Table 138 Forecast Store Cards Transactions 2020-2025
  • Table 139 Forecast Store Cards in Circulation: % Growth 2020-2025
  • Table 140 Forecast Store Cards Transactions: % Growth 2020-2025
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