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韓国におけるペイメントカード・銀行口座関連の保険・アシストサービス市場

Insurance and Assistance linked to Payment Cards and Bank Accounts in South Korea

発行 Finaccord Ltd. 商品コード 294056
出版日 ページ情報 英文 30 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1GBP=147.80円で換算しております。
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韓国におけるペイメントカード・銀行口座関連の保険・アシストサービス市場 Insurance and Assistance linked to Payment Cards and Bank Accounts in South Korea
出版日: 2013年10月01日 ページ情報: 英文 30 Pages
概要

当レポートでは、韓国におけるペイメントカード・銀行口座関連の保険・アシストサービス市場を取り上げ、20の金融機関および専門のカードプロバイダーが発行する1,000以上のペイメントカード・銀行口座商品について検証するなど、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 市場分析

  • 調査対象銀行およびその他のペイメントカード発行会社
  • バンキング市場について
    • 韓国市場においては5つの大手小売銀行と4つの主要な金融グループが存在
  • ペイメントカード部門について
    • そのペイメントカード部門は世界で最も複雑
    • BC Cardが韓国国内最大の決済ネットワークを運営
    • クレジットカードの流通枚数は2011年にピークを迎えたと考えられる
    • この時、一人当たりのクレジットカード枚数は極めて高い2.45枚となった
  • ペイメントカード・銀行口座関連の保険・アシストサービス
    • 調査対象ペイメントカード製品の概要
    • 対象保険・アシストサービスの種類
    • 特殊な対象保険・アシストサービスの種類
    • 運用モデル
    • 競合企業のパートナーシップ配分
    • 市場規模

図表

目次
Product Code: report_iapcba_kr

Insurance and Assistance linked to Payment Cards and Bank Accounts in South Korea investigates the market for insurance and assistance policies linked to banking products in this country. Drawing on the results of an investigation covering over 1,000 individual payment card and bank account products offered by 20 banking institutions and specialised card providers in South Korea, the report analyses the provision of the following broad categories and types of insurance and assistance policy:

  • accident / health cover: accidental death insurance, health / hospital cash plans, health assistance, personal accident insurance;
  • creditor cover: creditor insurance - life / permanent disability, creditor insurance - temporary incapacity / unemployment;
  • personal / identity protection cover: ATM cash theft insurance, card protection insurance, handbag / wallet insurance, identity protection assistance, identity protection insurance;
  • shopping cover: extended warranty, price protection insurance, purchase protection insurance;
  • travel cover: travel accident insurance, travel assistance, travel health insurance, travel inconvenience insurance, travel insurance - comprehensive;
  • other cover: car hire insurance, home assistance, legal assistance, legal expenses insurance, missed event insurance, mobile gadget insurance, mobile phone insurance, personal liability insurance, road assistance, miscellaneous other insurance and assistance;
  • concierge services.

Key features of this study include:

  • quantification of the market size and segmentation for insurance and assistance linked to payment cards and bank accounts: approximately how much is the market worth in South Korea, how does it break down by broad category, how much is funded by the banking institutions themselves and how much is paid for separately by customers?
  • analysis of the operating models used by banking organisations for insurance and assistance linked to payment cards and bank accounts: to what extent do they use external underwriters as opposed to captive or joint venture providers?
  • calculation of provider share of partnerships based on number of relationships and partner size: which providers of insurance and assistance services have been successful in establishing relationships for each broad category of cover with the most significant banking institutions and other card issuers or distributors?
  • availability of an accompanying PartnerBASE™ dataset that details the availability or otherwise of each individual insurance or assistance enhancement to more than 1,000 payment card and bank account products analysed in South Korea.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
    • The provision of 30 forms of niche insurance and assistance is investigated in this study
  • Rationale
    • The new research builds upon that pioneered by Finaccord over a period of almost a decade in Europe
  • Methodology
    • Primary survey
      • The research covers 1,043 specific banking products offered by 20 banks and other organisations
    • Semi-weighted provider share of partnerships
    • Market size modelling
    • Operating models
    • Abbreviations
  • Definitions of specific types of insurance and assistance
  • PartnerBASE
  • Finaccord

2.0 MARKET ANALYSIS

  • Banks and other payment card issuers covered
  • Introduction to the banking market
    • South Korea's market hosts five major retail banks and four dominant financial groups
  • Introduction to the payment card sector
    • ... and its payment card sector is among the most sophisticated in the world
    • BC Card operates the largest domestic payment network in South Korea
    • The number of credit cards in circulation is likely to have peaked in 2011...
    • ...when credit cards per capita reached an extraordinarily high 2.45
  • Insurance and assistance linked to payment cards and bank accounts
    • Overview of payment card and bank account products analysed
      • Co-branded, retailer and affinity cards make up close to a half of the products researched
    • Broad types of insurance and assistance cover
      • Creditor cover dominates the market for insurance and assistance products linked to credit cards...
    • Specific types of insurance and assistance cover
      • ... given its availability in association with well over a half of credit card products analysed
      • Travel-related policies do not normally provide comprehensive cover
      • Apart from creditor cover, most insurance and assistance services do not require payment of an extra fee
    • Operating models
      • Captive underwriters are particularly active in the field of travel-related insurance
    • Competitor share of partnerships
      • Accident / health cover: at least ten providers are active in this segment
      • Creditor cover: Hyundai Marine & Fire benefits from its major partnership with the BC Card network
      • Shopping-related cover: five providers are visible in this field
      • Travel-related cover: International SOS has established a comparatively strong presence in this area
      • Other cover: Hyundai Marine & Fire claims by far the highest semi-weighted share of partnerships
      • Concierge services: its partnerships mean that Aspire Lifestyles is easily the market leader
    • Market size
      • One category of cover is likely to account for the vast majority of South Korea's market...
      • ... with the country's banks funding a comparatively modest value of cover themselves

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Specific types of insurance and assistance policy researched, grouped by broad category

2.0 MARKET ANALYSIS

  • Number of debit and credit cards in South Korea, 2009 to 2013
  • Key metrics for debit and credit cards in South Korea, 2009 to 2013
  • Summary of payment card and bank account products analysed in South Korea, segmented by category, 2013
  • Summary of payment card and bank account products analysed in South Korea, segmented by category, 2013 (table)
  • Relative weight of insurance and assistance policies linked to payment card and bank account products in South Korea, segmented by broad type of cover, 2013
  • Penetration of specific types of insurance and assistance linked to payment card and bank account products in South Korea, 2013: all products
  • Penetration of specific types of insurance and assistance linked to payment card and bank account products in South Korea, 2013: premium products only
  • Split of specific type of insurance and assistance linked to payment card and bank account products in South Korea between automatic cover and cover available for an additional fee, 2013
  • Operating models used for insurance and assistance policies linked to payment card and bank account products in South Korea, segmented by specific type of cover, 2013
  • Competitor share of partnerships for accident / health insurance and assistance policies linked to payment card and bank account products in South Korea, 2013
  • Competitor share of partnerships for creditor insurance policies linked to payment cards in South Korea, 2013
  • Competitor share of partnerships for shopping-related insurance policies linked to payment card and bank account products in South Korea, 2013
  • Competitor share of partnerships for travel-related insurance and assistance policies linked to payment card and bank account products in South Korea, 2013
  • Competitor share of partnerships for other insurance and assistance policies linked to payment card and bank account products in South Korea, 2013
  • Competitor share of partnerships for concierge services linked to payment card and bank account products in South Korea, 2013
  • Estimated gross written premiums for insurance and assistance linked to payment cards and bank accounts in South Korea, segmented by broad type of cover, 2013 (USD million)
  • Estimated gross written premiums for insurance and assistance linked to payment cards and bank accounts in South Korea, segmented by cover acquired automatically and cover acquired through payment of an additional fee, 2013 (USD million)
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