市場調査レポート

韓国の小売店による決済・銀行金融・保険および支援サービス市場

Retailer Payments, Banking, Insurance and Assistance in South Korea

発行 Finaccord Ltd. 商品コード 300213
出版日 ページ情報 英文 42 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=101.50円で換算しております。
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韓国の小売店による決済・銀行金融・保険および支援サービス市場 Retailer Payments, Banking, Insurance and Assistance in South Korea
出版日: 2014年02月01日 ページ情報: 英文 42 Pages
概要

当レポートでは、韓国小売業金融サービス市場に注目し、金融サービスを組織しながら決済・銀行業務・保険および支援サービスを消費者に届ける88社の有力小売ブランドに対するアンケート調査からその現況を探るとともに、各社の専有・合同ロイヤリティプログラムやオンライン通販に活躍するオンライン決済の仕組みをはじめ、商品・サービスや有力企業の動向、競合環境などについての詳細情報を集めて、概略以下の構成でお届けします。

エグゼクティブサマリー

第1章 イントロダクション

  • レポートの主題
  • 論点
    • 多くの国々で消費者は大型小売店およびびオンライン通販志向
      • 新たな契機を迎える決済、銀行業務、保険、支援サービス
  • 調査方法
    • 小売企業アンケート
      • 10分野88の有力小売ブランドを対象に調査を実施
  • 定義
    • 決済・銀行業務・保険および支援サービス
    • 運営モデル
    • 加重構成比
  • PartnerBASE
  • Finaccord

第2章 市場分析

  • イントロダクション
  • 小売業ペイメントカード
    • クレジット、デビットおよびプリペイドカード
      • 国内主要小売ブランドの半数余りが提携ブランドまたはプライベートレーベルのクレジットカードを持つ
        • その一方で、政府方針もあってデビットカードも人気上昇中
      • 多くの小売店が自社のペイメントカードプログラムに複数の社外カード発行会社を利用
        • ただし、キャプティブや合弁カード発行会社の活用度は低い
      • 小売ブランド提携数の加重構成比では、Woori Cardが最大のカード発行会社
      • Woori Cardは2013年初頭にWoori Financial Groupから分離独立
      • Hana Financial GroupはKEB買収により、国内2位の規模を持つ金融グループに
      • 市場シェア争いで国内銀行と渡り合う地方銀行および外資系銀行
      • 多数のカード発行会社が比較的最近の設立
      • プライベートレーベルのカードを除き、小売店ペイメントカードは9つものネットワークをカバー
      • BC Cardは国際的野望を持つ国内クレジットカード会社
      • ペイメントカード普及度の二大分野はガソリンスタンド、書籍・メディアチェーン
    • ギフトカード
      • 主要小売ブランド間にあまり浸透していないクローズドループプリペイドカード
  • 小売店ロイヤルティプログラム
    • 調査した国内有力小売ブランドの大半が何らかのロイヤルティプログラムに参画
  • 専用ロイヤルティプログラム
    • 国内主要小売チェーンの3分の2余りが自社の専用ロイヤルティスキームを運営
  • 合同ロイヤルティプログラム
    • 国内有力小売ブランドが密接な関係を保つ9つの合同ロイヤルティプログラム
      • そのうち5つがブランド提携カード決済に対応
    • 国内の三大モバイルネットワーク事業者がいずれも合同ロイヤルティスキームを運用
      • 他のロイヤルティスキームも様々な母体から形成されたもの
  • 消費者金融
  • 銀行金融商品
    • 個人ローン、住宅ローン、預金口座
      • Homeplusは汎用個人ローンでKISBと協力
    • 国際決済・送金
  • 保険・支援サービス
    • 5つの国内主要小売チェーンが調査対象とした形式の本流保険サービスを推進中
      • ここで利用されるプロバイダーはさまざま
    • 急速な人口高齢化で売れ行きが向上した「シルバー」健康保険
    • 小売店が採用する提携保険業者は大小さまざま
    • 市場が専門化するなか、小売ブランドとの提携で最大シェアを誇るDongbu Insurance
    • 百貨店・バラエティストア分野に集中する小売店保険スキーム
  • オンライン決済
    • 受容率
      • オンライン販売を手掛ける1つを除くすべての主要小売ブランドがカード決済を受容
    • ペイメントカード
      • 8つのネットワークプラスプライベートレーベルカードが国内主要小売店間で利用を認められている
    • オンライン口座
      • MoCa Walletが国内唯一のオンライン口座であり、その普及度は限定的
    • モバイル決済
      • 6社のモバイル決済プロバイダーが程度に差はあるものの、オンライン小売ブランドに利用されている
    • 銀行送金
      • ほぼすべての国内小売販売業者が直接銀行送金をオンライン決済方法として受容
    • その他のオンライン決済方法
      • 上記以外の決済方法を受容する小売ブランドも存在
    • 第3章 付録
  • 代表的キャプティブおよび合弁企業
目次
Product Code: report_rpbia_kr

‘Retailer Payments, Banking, Insurance and Assistance in South Korea’ investigates the market for financial services organised by 88 major retail brands in South Korea. As well as examining their initiatives in payment cards, banking products, insurance and assistance, the study also examines their involvement in proprietary and coalition loyalty programs, and details the online payment mechanisms accepted by those with an online sales capability. Among other data points, the report and PartnerBASE™ dataset that accompanies it embrace the following information about the retailers covered:

  • whether they offer their own credit, debit or prepaid cards and, if so, the card issuers that they work with in this context if they do not issue the cards themselves;
  • whether they are linked to one or more loyalty programs and, if so, whether these are proprietary or coalition schemes;
  • whether they make non-card point-of-sale finance available to their customers and, if so, the finance providers that they employ for this purpose;
  • whether they promote mainstream banking products such as general-purpose personal loans, mortgages and savings accounts and, if so, the partners that they co-operate with;
  • whether they distribute accident, motor, dental, health, household, life, pet or travel insurance, or any kind of assistance services and, if so, the insurance or assistance providers used;
  • for retail brands with an online sales capability, the payment means and providers that they accept for online purchases with consideration of payment cards, online accounts, mobile payments, bank transfers and other online payment options.

The report and PartnerBASE™ dataset can be used in the following ways:

  • to gain access to a comprehensive source of information that provides detailed insights into the involvement of major retail brands in South Korea in payments, banking, insurance and assistance;
  • to monitor the activity of key competitors in retailer financial services including Dongbu Insurance, Hyundai Card, KB Kookmin Card, Shinhan Card and Woori Card;
  • to understand the potential in South Korea for converting proprietary retailer loyalty cards and coalition loyalty schemes into fully-fledged payment cards;
  • to evaluate the extent to which consolidation among conventional banks is opening up opportunities for new retailer banks to emerge as ‘consumer champions';
  • to appreciate the range of online payment choices open to consumers in South Korea who buy products and services through the websites of major retail groups.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
    • In many countries, consumers are tending to gravitate to larger retailers and to buy more online...
    • ... which throws up new opportunities in payments, banking, insurance and assistance
  • Methodology
    • Survey of retailers
      • The survey's scope covers 88 important retail brands grouped across ten categories...
  • Definitions
    • Payment, banking, insurance and assistance products and services
    • Operating models
    • Weighted shares
  • PartnerBASE
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Retailer payment cards
    • Credit, debit and prepaid cards
      • Over a half of major retail brands in South Korea have their own co-branded or private-label credit card...
      • ... albeit debit cards are increasing in popularity, in part as the result of government policy
      • Many retailers utilise more than one external card issuer for their payment card program...
      • ... while a few work through captive or joint venture card issuers
      • By weighted share of partnerships with retailer brands, Woori Card is ranked first among card issuers
      • Woori Card was spun off from Woori Financial Group at the beginning of 2013
      • Hana Financial Group's acquisition of KEB makes it the country's second-largest financial group
      • Local banks and foreign-owned banks vie with national competitors for market share
      • A number of issuers of retailer payment cards have been created in the relatively recent past
      • Excluding private-label cards, retailer payment cards are linked to as many as nine different networks
      • BC Card is a national credit card company with international ambitions
      • Payment card schemes are most prevalent among fuel retailers and books and media chains
    • Gift cards
      • Closed-loop prepaid cards do not enjoy especially high penetration among major retail brands
  • Retailer loyalty programs
    • Most major retail brands surveyed in South Korea participate in some form of loyalty program
    • ... with activity rates highest among online-only retailers
  • Proprietary loyalty programs
    • More than two thirds of major retail chains in South Korea operate their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Nine coalition loyalty programs are adhered to by major retail brands in South Korea...
    • ...with five supporting a co-branded payment card
    • South Korea's three main mobile network operators all operate coalition loyalty schemes...
    • ... while others hail from a variety of different sources
  • Consumer finance
  • Banking products
    • Personal loans, mortgages and savings accounts
      • Homeplus co-operates with KISB for general-purpose personal loans
    • International payments / remittances
  • Insurance and assistance
    • Five major retail brands in South Korea promote mainstream insurance products of the type researched...
    • ... with a variety of different providers used in this context
    • A rapidly ageing population makes ‘silver' health insurance policies especially marketable
    • Insurance partners used by retailers include both major players and smaller competitors
    • In a fragmented market, Dongbu Insurance claims the highest share of partnerships with retail brands
    • Retailer insurance schemes are concentrated in the department store and variety category
  • Online payments
    • Acceptance rates
      • All but one major retail brands selling online accept payment cards
    • Payment cards
      • Eight networks plus private-label cards enjoy online acceptance among major retailers in South Korea
    • Online accounts
      • MoCa Wallet is the country's only online account and its penetration is comparatively limited
    • Mobile payments
      • Six providers of mobile payments are used to one degree or another by online retail brands...
    • Bank transfers
      • Nearly all major online retailers in South Korea accept direct bank transfers as an online payment means
    • Other methods of online payment
      • Some retail brands selling online also accept other payment mechanisms

3.0 APPENDIX

  • Major captives and joint ventures

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Provision rates for key payment, banking, insurance and assistance products, adherence rates for loyalty schemes and online payment product acceptance rates among retailers in South Korea, 2014

1.0 INTRODUCTION

  • Retailers researched in South Korea, segmented by category, 2014
  • Retailers researched in South Korea segmented by distribution model, 2014

2.0 MARKET ANALYSIS

  • Provision of retailer card by type of card in South Korea, 2014
  • Retailer payment cards in South Korea: provision rate and operating models, 2014
  • Retailer payment cards in South Korea: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in South Korea: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in South Korea, 2014
  • Provision of retailer gift cards by retailer category and distribution model in South Korea, 2014
  • Retailer loyalty programs in South Korea: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in South Korea, 2014
  • Coalition loyalty programs in the South Korea: unweighted share of retailer brand members, 2014
  • Retailer insurance and assistance in South Korea: provision by type of insurance, 2014
  • Retailer insurance and assistance in South Korea: provision and operating models, 2014
  • Retailer insurance and assistance in the South Korea: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in South Korea, 2014
  • Retailer online payment acceptance in South Korea: acceptance rates by payment type, 2014
  • Payment cards accepted as an online payment mechanism by retailers in South Korea: unweighted and weighted network share of acceptance, 2014
  • Online accounts accepted as an online payment mechanism by retailers in South Korea: unweighted and weighted provider share of acceptance, 2014
  • Acceptance of online accounts as an online payment mechanism by retailer category in South Korea, 2014
  • Mobile payment services accepted as an online payment mechanism by retailers in South Korea: unweighted and weighted provider share of acceptance, 2014
  • Acceptance of mobile payments as an online payment mechanism by retailer category in South Korea, 2014
  • Acceptance of other types of online payment mechanisms by retailer category in South Korea, 2014

3.0 APPENDIX

  • Retailer captives and joint ventures in payments, banking, insurance and assistance in South Korea: operating models, partners and ownership, 2014
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