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英国のペイメントカード・消費者金融市場におけるアフィニティ・パートナーシップマーケティング

Affinity and Partnership Marketing in UK Payment Cards and Consumer Finance

発行 Finaccord Ltd. 商品コード 119154
出版日 ページ情報 英文 157 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1GBP=146.92円で換算しております。
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英国のペイメントカード・消費者金融市場におけるアフィニティ・パートナーシップマーケティング Affinity and Partnership Marketing in UK Payment Cards and Consumer Finance
出版日: 2013年01月01日 ページ情報: 英文 157 Pages
概要

当報告書では、英国のペイメントカード・消費者金融市場におけるアフィニティ・パートナーシップマーケティングの実例を詳細に調査分析し、提携オファーのタイプ、運用モデル、普及率、市場シェアなどをまとめ、概略下記の構成でお届けいたします。

エグゼクティブサマリー

第1章 イントロダクション

第2章 市場概要

  • 英国のペイメントカード・消費者金融市場におけるアフィニティ・パートナーシップ

第3章 非営利アフィニティグループ

  • チャリティ
  • 専門職協会
  • スポーツ組織
  • 労働組合
  • 大学

第4章 ファイナンシャルパートナー

  • 銀行
  • 住宅金融組合
  • 信用組合
  • 共済組合
  • 保険会社
  • オンラインアグリゲーター・ブローカー
  • 専門貸付業者

第5章 商業組織

  • 航空会社
  • 自動車協会
  • 自動車製品製造業者
  • 消費者製品製造業者
  • 不動産
  • サッカーおよびラグビークラブ
  • インターネット・メディア・通信関連組織
  • オンライン価格比較プロバイダー
  • 小売業者
  • 旅行会社
  • ユーティリティ会社
  • ポストオフィスおよびその他

図表

このページに掲載されている内容は最新版と異なる場合があります。詳細はお問い合わせください。

目次
Product Code: report_apm_uk_pccf

Abstract

Finaccord's report titled Affinity and Partnership Marketing in UK Payment Cards and Consumer Finance represents the most detailed research ever undertaken on this sector and is one of seven studies in the latest series of publications. Drawing on the results of a survey of 2,650 organisations, the report analyses the penetration, operating models and provider share of relationships of affinity and partnership marketing schemes for credit cards, prepaid cards and consumer finance across a range of distributor categories.

These include: airlines; automotive manufacturers; charities; football and rugby clubs; internet, media and telecoms entities; online aggregators and brokers; professional associations; retailers; trade unions; and universities. Moreover, the PartnerBASE™ database that accompanies the report provides the granular detail behind the analysis, detailing each of close to 500 affinity and partnership marketing initiatives traced by Finaccord in these sectors.

In addition, the latest analysis identifies not only the providers of credit cards, prepaid cards and consumer finance with the most partnerships (overall, and within each category) but, for the first time and using a proprietary formula devised by Finaccord, also computes 'weighted provider shares of partnerships' in order to highlight the providers that are likely to hold the most valuable relationships given the characteristics of their partners.

In this report, credit cards are defined as payment cards with a revolving credit or deferred debit (charge) facility while prepaid cards are classified as payment cards with a reloading function; as such, they exclude gift cards that cannot be reloaded. Consumer finance is defined as including unsecured personal loans plus car finance and leasing contracts, retailer point-of-sale finance and secured loans other than first charge mortgages.

You may be able to use this report and associated PartnerBASE™ database in one or more of the following ways:

  • drill down into the detail lying behind affinity and partnership marketing schemes for credit cards, prepaid cards and consumer finance;
  • gain access to research that chronicles the vast majority of affinity and partnership marketing opportunities in these three areas;
  • understand not only which providers have secured the most partnerships but which are likely to hold the most valuable deals for each of credit cards, prepaid cards and consumer finance;
  • benchmark the competitive position of your own organisation in affinity and partnership marketing and spot opportunities for displacing rivals;
  • plan your future affinity and partnership marketing strategy in credit cards, prepaid cards and consumer finance armed with the best market and competitor intelligence available on this subject.

Together, the report and PartnerBASE™ database will provide you with the definitive guide to current and potential affinity and partnership marketing opportunities in UK payment cards and consumer finance.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Background
    • Rationale
      • Affinity and partnership marketing remains an important, strategic topic for financial institutions as the ability of affinity and corporate partners to compete effectively has evolved over time
  • Methodology
    • Organisations investigated
      • Finaccord's research covers a total of 2,650 actual and potential partner organisations representing virtually all entities that could be significant in this field
    • Calculation of weighted provider share of partnerships
      • Finaccord's methodology identifies providers that are likely to hold the most valuable relationshipsby means of formulae that take into account not only UK traffic rankings for organisations' websitesbut also distribution shares for each financial product or service by organisation category and the total number of organisations in each category that actually distribute the product
  • Definitions
    • Financial products
    • Operating models
    • PartnerBASE syntax
  • Finaccord
    • UK affinity and partnership marketing publications
    • UK consumer research publications

2.0 MARKET OVERVIEW

  • Affinities and partnerships in UK payment cards and consumer finance
    • Credit cards
      • Credit card affinity schemes fell in number by almost 12% between 2010 and 2012although more than 10% of organisations in 11 partner categories still run programs
      • Most affinity schemes are organised in conjunction with a single external card issuer
      • MBNA commands close to a half of all partnerships whether viewed in unweighted or weighted terms with its closest rivals not reaching even 20% of its total number
      • MBNA still holds important credit card relationships with partners across a range of categories
      • MasterCard's portfolio of affinity and co-branded credit cards is likely to perform better than that of Visa
    • Prepaid cards
      • Prepaid cards are most widespread among credit unions and retailers
      • The most popular operating model used by distributors of prepaid cards is the same as that for credit cards
      • 15 providers of prepaid cards lay claim to at least one affinity or corporate partnership
      • As a network, MasterCard is ahead of Visa in both the unweighted and weighted analyses
    • Consumer finance
      • Non-internal schemes are most numerous among retailers and automotive manufacturers
      • Where available, consumer finance is most commonly organised via a single, external finance provider
      • lovemoney.com is the only provider that appears in both the unweighted and weighted analyses
      • In unweighted terms, four of the eight leading competitors are specialists in retailer finance
      • Automotive finance specialists are more prominent in the weighted analysis of partnerships

3.0 NOT-FOR-PROFIT AFFINITY PARTNERS

  • Charities
    • Introduction
      • The websites of the National Trust and Great Ormond Street Hospital attract the most UK traffic
    • Analysis of partnerships
      • Over a third of charities investigated continue to offer an affinity credit card although just one has any exposure to prepaid cards and none offer consumer loans
  • Professional associations
    • Introduction
      • The combined membership of professional associations comes to just under 4 million
    • Analysis of partnerships
      • AIB's relationship with the Law Society of England and Wales becomes significant in weighted terms
      • Only five professional associations have any arrangement for intermediating consumer finance
  • Sports organisations
    • Introduction
      • This category includes bodies to which individual sports clubs, practitioners and trainers may belong
    • Analysis of partnerships
      • Only three sports organisations are persisting with affinity credit cards and two with consumer finance schemes but none at all with prepaid cards
  • Trade associations
    • Introduction
      • Finaccord has extended its coverage in this category to a total of 700 associations
    • Analysis of partnerships
      • Five trade associations offer an affinity credit card to the employees of their member companies although only one has developed a prepaid card
      • bira bank is the only bank owned by a trade association in the UK
      • Four trade associations have signed up with The Green Deal Finance Company
  • Trade unions
    • Introduction
      • There are around 6.4 million trade union members in the UK
    • Analysis of partnerships
      • The possible launch of a new TUC credit card potentially obviates the need for union-specific credit cards
      • More enthusiasm is visible for prepaid cards but it is still limited to just three trade unions
      • 13 trade unions offer consumer finance to their members in one form or another among which seven utilise Autosave Affinity Partners, a specialist in car finance
      • Three other providers with trade union relationships are also car finance specialists
  • Universities
    • Introduction
      • The Open University's website attracts more UK traffic than that of any other UK-based university
    • Analysis of partnerships
      • Only Bank of Ireland offers any competition to MBNA in the affinity credit card sector
      • One university offers car finance to its alumni sourced from five different providers

4.0 FINANCIAL PARTNERS

  • Banks
    • Introduction
      • Several challenger banks have emerged to compete with the major incumbents and further structural changes to the market are likely to occur in future years
    • Analysis of partnerships
      • The vast majority of banks offering credit cards issue their own cards on an internal basis
      • Two out of eight banks offering prepaid cards do so in conjunction with an external issuer
      • No banks at all intermediate consumer finance on behalf of external partners
  • Building societies
    • Introduction
      • Mergers and acquisitions have caused the number of extant building society brands to shrink to 54
    • Analysis of partnerships
      • Only two building societies offer credit cards and only one of these does so via a partnership although the rate of provision rises to five out of 54 in the case of prepaid cards
      • Provision of consumer finance in this category is limited to just two building society brands
  • Credit unions
    • Introduction
      • Total membership across around 400 credit unions in the UK now exceeds 1 million with this figure having risen by 170% since 2007
      • The websites of two London-based credit unions pull in the most online visitors from the UK
    • Analysis of partnerships
      • A majority of credit unions investigated offer a prepaid card and not all adhere to the ABCUL product and all offer consumer finance on an internal basis as a core element of their activity
  • Friendly societies
    • Introduction
      • Finaccord's research covers 25 of the larger friendly societies in the UK among which Liverpool Victoria is by far the largest
    • Analysis of partnerships
      • One friendly society offers a lending facility to its customers through a link with a credit union
  • Insurers
    • Introduction
      • Over 70 insurance underwriting brands can be broken down into four main sub-categories
    • Analysis of partnerships although only one of these offers consumer finance and none at all distribute payment cards
  • Online aggregators and brokers
    • Introduction
      • The market for online aggregation and broking has become more concentrated in recent years as a result of a number of factors including the challenge thrown up by cashback websites
    • Analysis of partnerships
      • Some entities in this category have their own search engine but a few outsource to external providers
      • One organisation in this field is unique in having developed a bona fide co-branded prepaid card
      • As with credit cards, lovemoney.com holds important relationships with some of the leading aggregators
  • Specialised lenders
    • Introduction
      • The category of specialised lenders includes a variety of different types of institution with many new competitors having emerged in the wake of the 'credit crunch'
    • Analysis of partnerships
      • One brand classifiable in this category offers a credit card that is issued by MBNA and the only visible prepaid card in this field is also issued by an external partner
      • In contrast, entities in this category offering consumer finance always lend their own money

5.0 COMMERCIAL PARTNERS

  • Airlines
    • Introduction
      • 18 airlines operating mainly or wholly out of the UK are included in Finaccord's sample
    • Analysis of partnerships
      • Four issuers run competing schemes for credit cards co-branded in conjunction with airlines although only one has developed a prepaid card in partnership with an airline
  • Automotive associations
    • Introduction
      • In addition to the AA and RAC, six other organisations fall within this partner category
    • Analysis of partnerships
      • Three automotive associations continue to run a co-branded credit card scheme although only one, the AA, markets a co-branded prepaid card
      • The Co-operative Bank is the provider for both schemes visible for consumer finance
  • Automotive manufacturers
    • Introduction
      • Among automotive manufacturers, four German brands attract the most UK-based traffic to their websites
    • Analysis of partnerships
      • 53 out of 55 automotive manufacturer brands have arranged a scheme for consumer finance among which six utilise FGA Capital as a joint venture provider
      • Nine providers are active in this segment as captive finance firms and eight as independent providers, two of which hold dual status
      • Black Horse holds the most relationships with automotive brands for consumer finance although it is overtaken by six competitors in the weighted analysis of partnerships
  • Coalition loyalty schemes and frequent flyer programs
    • Introduction
      • The websites of four loyalty schemes are ranked in the top 5,000 by number of UK visitors
    • Analysis of partnerships
      • Seven out of 12 loyalty schemes have introduced a co-branded credit card although only one advertises a co-branded prepaid card and one allows members to earn 'currency' by taking out consumer finance
  • Consumer product manufacturers
    • Introduction
      • Some manufacturers of consumer products can act as affinity partners for selected financial products
    • Analysis of partnerships
      • Consumer finance of one sort or another is available through five manufacturer brands
  • Estate agency and property service firms
    • Introduction
      • This category includes prominent online estate agency and property portals as well as traditional chains
    • Analysis of partnerships
      • home.co.uk maintains an online relationship with Moneysupermarket.com for consumer loans
  • Football and rugby clubs
    • Introduction
      • The research investigates a total of 76 professional football and rugby clubs
    • Analysis of partnerships
      • 32 football and rugby club affinity credit cards are split unequally across three providers
      • Affinity prepaid cards are yet to gain traction in the football and rugby club sector
      • Zebra Finance is almost entirely dominant when it comes to deals for season ticket finance
  • Internet, media and telecoms entities
    • Introduction
      • This category embraces many organisations with extremely high UK website rankings which can have a substantial impact on the analysis of weighted partnership shares
    • Analysis of partnerships
      • The market segments between co-branded cards and credit card aggregation services with a similar dichotomy apparent in the case of prepaid cards
      • Most organisations in this category that offer consumer finance do so via an external aggregation service
      • Five different providers have won distribution mandates with internet, media and telecoms entities with lovemoney.com and Moneysupermarket.com ranking most highly on a weighted basis
  • Online price comparison providers
    • Introduction
      • PriceRunner and mySupermarket.co.uk run the websites attracting the most UK-based visitors
    • Analysis of partnerships
      • The presence of online price comparison providers has diminished substantially in recent years
  • Retailers
    • Introduction
      • Among retail brands, Amazon's website attracts the most UK traffic, followed by those of Tesco and Argos
    • Analysis of partnerships
      • Over 50 retailer brands make credit cards available in one form or another
      • Argos, Harrods, Sainsbury's and Tesco all utilise a less typical operating model
      • Nine non-captive issuers of credit cards hold at least one partnership with a retailer brand with Santander Cards (UK) laying claim to the most deals among these
      • 14 retailer brands issue private label fuel or store cards on an internal basis
      • The card developed by MBNA in partnership with Amazon is most influential in weighted terms
      • Prepaid cards are also more numerous among retailers than in any other partner category reviewed
      • Voucher Express supplies reloadable gift cards to a significant number of retailer brands
      • Close to a quarter of retailer brands have established a scheme for consumer finance
      • Seven providers of consumer finance have garnered four or more distribution partnerships with retailers among which Hitachi Capital, Barclays Partner Finance and IKANO Financial Services hold the most although that with the greatest value in weighted terms is occupied by Nemo Personal Finance
  • Travel companies
    • Introduction
      • The fragmented travel sector hosts a variety of different types of company
    • Analysis of partnerships
      • Co-branded credit cards in the travel sector excluding airlines boil down to just two partnerships rising to five in the case of prepaid cards
  • Utilities companies
    • Introduction
      • Utilities firms have enjoyed considerable success as distributors of home emergency insurance
    • Analysis of partnerships although their involvement in payment cards is limited to a single scheme for a prepaid card
      • Eight utilities companies have signed up with The Green Deal Finance Company
  • The Post Office and other major brands
    • Introduction
      • Several major organisations are considered separately as they do not fit easily in the other categories
      • Among these, the website of the Post Office pulls in the most UK visitors, followed by that of Saga
    • Analysis of partnerships
      • Four of the five organisations covered promote one or more of the products or services investigated

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • The affinity and partnership marketing universe
  • Organisations investigated, segmented by broad category

2.0 MARKET OVERVIEW

  • Affinity and partnership marketing schemes for credit cards in the UK: provision rate by category of partner
  • Affinity and partnership marketing schemes for credit cards in the UK: operating models
  • Affinity and partnership marketing schemes for credit cards in the UK: unweighted and weighted provider share of partnerships
  • Affinity and partnership marketing schemes for credit cards in the UK: unweighted and weighted network share of partnerships
  • Affinity and partnership marketing schemes for prepaid cards in the UK: provision rate by category of partner
  • Affinity and partnership marketing schemes for prepaid cards in the UK: operating models
  • Affinity and partnership marketing schemes for prepaid cards in the UK: unweighted and weighted provider share of partnerships
  • Affinity and partnership marketing schemes for prepaid cards in the UK: unweighted and weighted network share of partnerships
  • Affinity and partnership marketing schemes for consumer finance in the UK: provision rate by category of partner
  • Affinity and partnership marketing schemes consumer finance in the UK: operating models
  • Affinity and partnership marketing schemes for consumer finance in the UK: unweighted and weighted provider share of partnerships

3.0 NOT-FOR-PROFIT AFFINITY PARTNERS

  • Charities offering credit cards: provision rates and operating models
  • Charities offering credit cards: unweighted and weighted provider share of partnerships
  • Charities offering prepaid cards: provision rates and operating models
  • Top 40 professional associations in the UK ranked by member numbers, 2012 (table)
  • Professional associations offering credit cards: provision rates and operating models
  • Professional associations offering credit cards: unweighted and weighted provider share of partnerships
  • Professional associations offering consumer finance: provision rates and operating models
  • Professional associations offering consumer finance: unweighted and weighted provider share of partnerships
  • Sports organisations offering credit cards: provision rates and operating models
  • Sports organisations offering consumer finance: provision rates and operating models
  • Sports organisations offering consumer finance offering consumer finance: unweighted and weighted provider share of partnerships
  • Top 80 trade associations in the UK ranked by member numbers, 2012 (table)
  • Top 80 trade associations in the UK ranked by member numbers, 2012 (table) (continued)
  • Trade associations offering credit cards: provision rates and operating models
  • Trade associations offering prepaid cards: provision rates and operating models
  • Trade associations offering consumer finance: provision rates and operating models
  • Trade associations offering consumer finance: unweighted and weighted provider share of partnerships
  • Top 40 trade unions in the UK ranked by member numbers, 2012 (table)
  • Trade unions offering credit cards: provision rates and operating models
  • Trade unions offering prepaid cards: provision rates and operating models
  • Trade unions offering consumer finance: provision rates and operating models
  • Trade unions offering consumer finance: unweighted and weighted provider share of partnerships
  • Universities offering credit cards: provision rates and operating models
  • Universities offering credit cards: unweighted and weighted provider share of partnerships
  • Universities offering consumer finance: provision rates and operating models

4.0 FINANCIAL PARTNERS

  • Banks offering credit cards: provision rates and operating models
  • Banks offering credit cards: unweighted and weighted provider share of partnerships
  • Banks offering prepaid cards: provision rates and operating models
  • Banks offering prepaid cards: unweighted and weighted provider share of partnerships
  • Banks offering consumer finance: provision rates and operating models
  • Building societies offering credit cards: provision rates and operating models
  • Building societies offering prepaid cards: provision rates and operating models
  • Building societies offering consumer finance: provision rates and operating models
  • Credit unions offering prepaid cards: provision rates and operating models
  • Credit unions offering prepaid cards: unweighted and weighted provider share of partnerships
  • Credit unions offering consumer finance: provision rates and operating models
  • Friendly societies offering consumer finance: provision rates and operating models
  • Insurers offering consumer finance: provision rates and operating models
  • Online aggregators and brokers offering credit cards: provision rates and operating models
  • Online aggregators and brokers offering credit cards: unweighted and weighted provider share of partnerships
  • Online aggregators and brokers offering prepaid cards: provision rates and operating models
  • Online aggregators and brokers offering prepaid cards: unweighted and weighted provider share of partnerships
  • Online aggregators and brokers offering consumer finance: provision rates and operating models
  • Online aggregators and brokers offering consumer finance: unweighted and weighted provider share of partnerships
  • Specialised lenders offering credit cards: provision rates and operating models
  • Specialised lenders offering prepaid cards: provision rates and operating models
  • Specialised lenders offering consumer finance: provision rates and operating models

5.0 COMMERCIAL PARTNERS

  • Airlines offering credit cards: provision rates and operating models
  • Airlines offering credit cards: unweighted and weighted provider share of partnerships
  • Airlines offering prepaid cards: provision rates and operating models
  • Automotive associations offering credit cards: provision rates and operating models
  • Automotive associations offering credit cards: unweighted and weighted provider share of partnerships
  • Automotive associations offering prepaid cards: provision rates and operating models
  • Automotive associations offering consumer finance: provision rates and operating models
  • Automotive manufacturers offering consumer finance: provision rates and operating models
  • Automotive manufacturers offering consumer finance: unweighted and weighted provider share of partnerships
  • Coalition loyalty schemes and frequent flyer programs offering credit cards: provision rates and operating models
  • Coalition loyalty schemes and frequent flyer programs offering credit cards: unweighted and weighted provider share of partnerships
  • Coalition loyalty schemes and frequent flyer programs offering prepaid cards: provision rates and operating models
  • Coalition loyalty schemes and frequent flyer programs offering consumer finance: provision rates and operating models
  • Consumer product manufacturers offering consumer finance: provision rates and operating models
  • Consumer product manufacturers offering consumer finance: unweighted and weighted provider share of partnerships
  • Estate agency and property service firms offering consumer finance: provision rates and operating models
  • Football and rugby clubs offering credit cards: provision rates and operating models
  • Football and rugby clubs offering credit cards: unweighted and weighted provider share of partnerships
  • Football and rugby clubs offering prepaid cards: provision rates and operating models
  • Football and rugby clubs offering consumer finance: provision rates and operating models
  • Football and rugby clubs offering consumer finance: unweighted and weighted provider share of partnerships
  • Internet, media and telecoms entities offering credit cards: provision rates and operating models
  • Internet, media and telecoms entities offering credit cards: unweighted and weighted provider share of partnerships
  • Internet, media and telecoms entities offering prepaid cards: provision rates and operating models
  • Internet, media and telecoms entities offering prepaid cards: unweighted and weighted provider share of partnerships
  • Internet, media and telecoms entities offering consumer finance: provision rates and operating models
  • Internet, media and telecoms entities offering consumer finance: unweighted and weighted provider share of partnerships
  • Online price comparison providers offering credit cards and consumer finance: provision rates and operating models
  • Retailers offering credit cards: provision rates and operating models
  • Retailers offering credit cards: unweighted and weighted provider share of partnerships
  • Retailers offering prepaid cards: provision rates and operating models
  • Retailers offering prepaid cards: unweighted and weighted provider share of partnerships
  • Retailers offering consumer finance: provision rates and operating models
  • Retailers offering consumer finance: unweighted and weighted provider share of partnerships
  • Travel companies offering credit cards: provision rates and operating models
  • Travel companies offering credit cards: unweighted and weighted provider share of partnerships
  • Travel companies offering prepaid cards: provision rates and operating models
  • Travel companies offering prepaid cards: unweighted and weighted provider share of partnerships
  • Utilities companies offering prepaid cards: provision rates and operating models
  • Utilities companies offering consumer finance: provision rates and operating models
  • Partnerships of the Post Office and other major brands offering credit cards, prepaid cards and consumer finance
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