市場調査レポート
商品コード
1282235

プリペイドカードの市場:動向・戦略・市場予測 (2023-2028年)

Prepaid Cards Market: Trends, Strategies & Market Forecasts 2023-2028

出版日: | 発行: Juniper Research Ltd | ページ情報: 英文 | 納期: 即日から翌営業日

価格
価格表記: GBPを日本円(税抜)に換算
本日の銀行送金レート: 1GBP=195.22円
プリペイドカードの市場:動向・戦略・市場予測 (2023-2028年)
出版日: 2023年05月30日
発行: Juniper Research Ltd
ページ情報: 英文
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

世界のデジタルプリペイドカードの取引額は、2023年の5,287億米ドルから、2028年には3兆9,800億米ドル超の規模に成長すると予測されており、今後5年間で650%の増加を示す見通しです。プリペイドカードの利用額全体に占めるデジタルプリペイドカードの取引額のシェアは、2023年の15%から、2028年には60%弱を示す見通しであり、デジタル化の急速な進展が予測されています。

当レポートでは、世界のプリペイドカード市場を調査し、市場概要、主要動向、市場成長への影響因子の分析、発行数・取引件数・取引額などの推移・予測、各種区分・地域別の詳細分析、主要企業の取り組み、競合情勢、将来の展望、戦略的提言などをまとめています。

調査パッケージの提供内容

  • 戦略・予測(PDF)
  • 5カ年市場規模予測スプレッドシート(Excel)
  • 12カ月のオンラインデータプラットフォームへのアクセス権

目次

第1章 重要ポイント・戦略的提言

第2章 プリペイドカード:現在の市場情勢

  • 現在の市場情勢
    • 開ループカード vs 閉ループカード
    • 物理カード vs 仮想カード
    • 使い捨てカード vs リロード可能カード
  • 銀行口座非保有者層にサービスを提供する機会
  • プリペイドカードと不正
  • プリペイドカードのバリューチェーン分析
  • デジタルウォレットとプリペイドカード
  • セグメント分析
    • 小売
      • 機会
      • 課題
      • プリペイドカードへの挑戦者
    • コーポレート
      • 機会
      • 課題
      • プリペイドカードへの挑戦者
    • コーポレートトラベル
      • 機会
      • 課題
      • プリペイドカードへの挑戦者
    • トラベル
      • 機会
      • 課題
      • プリペイドカードへの挑戦者
    • 政府支出
      • 機会
      • 課題
      • プリペイドカードへの挑戦者
    • 災害支援
      • 機会
      • 課題
      • プリペイドカードへの挑戦者
    • 給与計算
      • 機会
      • 課題
      • プリペイドカードへの挑戦者

第3章 プリペイドカードの競合企業リーダーボード

  • 本レポートを読む理由
  • プリペイドカードベンダープロファイル
    • American Express
    • BBVA
    • Blackhawk Network
    • CleverCards
    • Discover
    • Edenred
    • FIS
    • Fiserv
    • Green Dot
    • H&R Block
    • InComm Payments
    • JCB
    • Marqeta
    • Mastercard
    • Mint Technology Corporation
    • Netspend
    • Recharge.com
    • Soldo
    • Travelex Group Limited
    • UnionPay
    • Visa
  • Juniper Researchのリーダーボード評価手法
  • 制約・解釈

第4章 プリペイドカード市場の予測

  • 調査手法・前提
  • プリペイドカード市場:サマリー
    • プリペイドカード利用者数
    • プリペイドカード発行数
    • プリペイドカード取引件数
    • プリペイドカード取引額
    • プリペイドカード手数料収入
    • デジタルプリペイドカード発行数
    • デジタルプリペイドカード決済額
目次

REPORT OVERVIEW

Juniper Research's new “ Prepaid Cards Market ” research report provides an independent analysis of the future trajectory of this dynamic market, with digitalisation playing a significant role in how vendors approach this market and the key use cases for end users. It provides a comprehensive study of the use cases of these cards in different segments eg. gift cards, travel, payroll, government disbursements. It also examines the differences between different card types, such as closed-loop prepaid cards, open-loop prepaid cards, reloadable cards and government benefit cards.

The research also presents insightful forecasts for the market, including the number of prepaid card users, the number of cards in issue (physical and digital), transactional volume and value (including a split for digital cards) and the total revenue from prepaid cards for providers.

This prepaid cards report positions 21 key market players in the Juniper Research Competitor Leaderboard; providing an invaluable resource for stakeholders seeking to understand the competitive landscape in this highly varied and complex market.

The research suite comprises:

  • Strategy & Forecasts (PDF)
  • 5-year Market Sizing & Forecast Spreadsheet (Excel)
  • 12 Months' Access to harvest Online Data Platform

KEY FEATURES

  • Market Dynamics: Provides a detailed assessment of market drivers and the key market trends within the market, as well as an in-depth evaluation of the future growth of the market and readiness for further disruption. This enables readers to understand the critical trends driving the growth of this market.
  • Key Takeaways & Strategic Recommendations: Featuring major opportunities and crucial factors for prepaid cards highlighted across the landscape; making for important reading for key stakeholders, including card issuers, card networks and any other corporate institutions or financial institutions.
  • Juniper Research Competitor Leaderboard: Key player capability and capacity assessment for 21 prepaid cards providers; positioning them as either established leaders, leading challengers, or disruptors and challengers. Our Competitor Leaderboard scores these companies on their size of operations in the space, their extent and breadth of market partnerships, the sophistication of their platforms and Juniper Research's view on each company's innovation and future business prospects. The company profiles included are the following:
    • American Express
    • BBVA
    • Blackhawk Network
    • CleverCards
    • Discover
    • Edenred
    • FIS
    • Fiserv
    • Green Dot Corporation
    • H&R Block
    • InComm Payments
    • JCB
    • Marqeta
    • Mastercard
    • Mint Technology Corporation
    • Netspend
    • Recharge
    • Soldo
    • Travelex Group Limited
    • UnionPay
    • Visa
  • Benchmark Industry Forecasts: 5-year forecasts for the prepaid cards market, including the number of prepaid card users, the number of cards in issue (physical and digital), transactional volume and value (including a split for digital cards) and the total revenue from prepaid cards for providers. This data is also split by our 8 key regions and 60 countries as follows:
  • North America:
    • Canada, US
  • Latin America:
    • Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay
  • West Europe:
    • Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK
  • Central & East Europe:
    • Croatia, Czech Republic, Hungary, Poland, Romania, Russia, Turkey, Ukraine
  • Far East & China:
    • China, Hong Kong, Japan, South Korea
  • Indian Subcontinent:
    • Bangladesh, India, Nepal, Pakistan
  • Rest of Asia Pacific:
    • Australia, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Thailand, Vietnam
  • Africa & Middle East:
    • Algeria, Egypt, Israel, Kenya, Kuwait, Nigeria, Qatar, Saudi Arabia, South Africa, United Arab Emirates

KEY QUESTIONS ANSWERED

  • 1. What will the value of the prepaid cards market be globally in 2028?
  • 2. Which segments are the most important for vendors?
  • 3. What are the main effects of digitalisation on this market?
  • 4. Who are the leading vendors in the market in 2023?
  • 5. What are the main opportunities & prospects for vendors?

COMPANIES REFERENCED

  • Included in the Juniper Research Competitor Leaderboard: American Express, BBVA Compass Bancshares, Blackhawk Network, CleverCards, Discover, Edenred, FIS, Fiserv, Green Dot, H&R Block, InComm Payments, JCB, Marqeta, Mastercard, Mint Technology Corporation, Netspend, Recharge.com, Soldo, Travelex Group Limited, UnionPay, Visa.
  • Mentioned: 7-Eleven, Abu Dhabi Islamic Bank, AccountNow, ACE Cash Express, Aiia, Ajman Bank, Alipay, ALLTEL Information Services, Amazon, Apple, Argos, Asia Commercial Bank, Baffin Bay Networks, Bank of China, Bank of Communications, Barclays, Bauli, BC Card, Brinks Money, British Airways, Brooks Running, BT, Carrefour, Central Bank of UAE, Certegy, China Construction Bank, Cisco Systems, Citizens Financial Group, Coinbase, Conferma Pay, Crédit Agricole, Currys PC World, CVS Pharmacy, Delta Air Lines, Diners Club International, DoorDash, Dynamic Yield, eFunds, Enterprise Ireland, Expedia, Fidelity National Financial, First Data, First Gulf Bank, Galileo Financial Technologies, GetYourGuide, Global Payments, Go2Bank, Goldman Sachs, Google, Green Dot, Gymshark, Hilton Worldwide, Home Loan Center, Inc, HSBC, InComm, Interac, Intuit, John Lewis, JPMorgan Chase, KAYAK, Klarna, KLM, Kmart, Liberty Bank, Marriott International, Mashreq Bank, Maybank, Mercedes Benz, Metavante, Microsoft, MLB, MoneyPak, MX, Myanmar Citizens Bank, Nandos, Netflix, NetPay Solutions Group, Netspend, Nipendo, Noor Bank, P2 Capital Partners, Parkopedia, Payback Rewards, PayPal, Pismo, Primer, Rakuten Bank, RapidPay, Recharge.com, Rêv Worldwide, Revolut, RuPay, RushCard, Safeway, Sage, Sainsbury's, Samsung, Santander, Silver Lake, Société Générale, SoFi, Softbank, Spotify, Spruce, Square, Stables, Staley Credit Union, Standard Chartered, Student Loan Corporation, SunGard, TCN (The Card Network), Tesco, Travelex, TripLink, Trust Network, Uber, UnionPay, Vietnam's Asia Commercial Bank, Virgin, Voi, Wagamama, Walmart, Wave Financial, WeChat, Western Union, WorldPay, WWE, Yapily.

DATA & INTERACTIVE FORECAST

The forecast suite includes 5-year forecasts for this market, including the following:

  • Number of prepaid cards that are being issued annually.
  • Transactional volume and value for these cards.
  • Associated revenue for card providers.
  • Geographical splits: 60 countries
  • Number of tables: 33 tables
  • Number of datapoints: Over 15,000 datapoints

harvest: Our online data platform, harvest, contains the very latest market data and is updated throughout the year. This is a fully featured platform; enabling clients to better understand key data trends and manipulate charts and tables; overlaying different forecasts within the one chart - using the comparison tool. Empower your business with our market intelligence centre, and get alerted whenever your data is updated.

Interactive Excels (IFxl): Our IFxl tool enables clients to manipulate both forecast data and charts, within an Excel environment, to test their own assumptions using the interactive scenario tool and compare selected markets side by side in customised charts and tables. IFxls greatly increase a clients' ability to both understand a particular market and to integrate their own views into the model.

FORECAST SUMMARY

The value of digital prepaid card transactions will exceed $3.98 trillion globally by 2028, up from $528.7 billion in 2023, an increase of 650% over the next five years.

By 2028, the value of digital prepaid card transactions will represent just under 60% of total prepaid cards spend, up from 15% in 2023, demonstrating the rapid growth of digitisation. It also reflects the greater use of digitally issued open-loop prepaid cards as loyalty rewards; replacing more traditional gift cards. Open-loop systems, where payments can be made anywhere cards are accepted, will lead to an increasingly blurred line between prepaid cards and gift cards. This will make the much wider loyalty market increasingly addressable for prepaid card vendors, compared with the closed-loop system, where payments can only be made at specific vendors.

  • The number of prepaid cards issued digitally is expected to surpass 940 million by 2028.
  • Prepaid cards are highly appealing to the unbanked; offering the functionality of payment cards without the need of an account with a financial institution.

Financial inclusion remains a key issue for the millions of unbanked and underbanked across the world. However, advances in digitalisation, smartphone availability, and the ease with which vendors can now issue prepaid cards digitally and instantly, mean that financial inclusion is within near reach of a growing number of users.

Financial inclusion use cases can significantly accelerate the success of prepaid cards, but vendors must keep the costs very low to ensure prepaid cards remain competitive for these use cases versus mobile money apps or central bank digital currencies

Table of Contents

  • 1.1 Key Takeaways
  • 1.2 Strategic Recommendations

2. Prepaid Cards - Current Market Landscape

  • 2.1 Introduction
    • 2.1.1 Definitions
  • 2.2 Current Market Landscape
    • Figure 2.1: Prepaid Cards in Service, Global, 2023-2028
    • 2.2.1 Open-loop Versus Closed-loop Cards
    • 2.2.2 Physical Versus Virtual Cards
    • 2.2.3 Single-use Versus Reloadable Cards
      • Figure 2.2: Prepaid - Single-use Versus Reloadable
  • 2.3 Opportunities in Serving Underbanked and Unbanked Population
    • Figure 2.3: Global Unbanked Population, 2023-2028
  • 2.4 Prepaid Cards & Fraud
    • 2.4.1 Introduction
    • 2.4.2 Vulnerabilities of Prepaid Cards
    • 2.4.3 Other Potential Fraud Risks
    • 2.4.4 Fraud Mitigation Techniques
    • 2.4.5 Fraud Outlook Within Prepaid Cards
  • 2.5 Prepaid Cards Value Chain Analysis
    • Figure 2.4: Prepaid Cards Value Chain Diagram
  • 2.6 Digital Wallets & Prepaid Cards
  • 2.7 Segment Analysis
    • 2.7.1 Retail
      • i. Opportunities
      • ii. Challenges
      • iii. Challengers to Prepaid Cards
    • 2.7.2 Corporate
      • i. Opportunities
      • ii. Challenges
      • iii. Challengers to Prepaid Cards
    • 2.7.3 Corporate Travel
      • i. Opportunities
      • ii. Challenges
      • iii. Challengers to Prepaid Cards
    • 2.7.4 Travel
      • i. Opportunities
      • ii. Challenges
      • iii. Challengers to Prepaid Cards
    • 2.7.5 Government Disbursement
      • i. Opportunities
      • ii. Challenges
      • iii. Challengers to Prepaid Cards
    • 2.7.6 Disaster Relief
      • i. Opportunities
      • ii. Challenges
      • iii. Challengers to Prepaid Cards
    • 2.7.7 Payroll
      • i. Opportunities
      • ii. Challenges
      • iii. Challengers to Prepaid Cards

3. Prepaid Cards Competitor Leaderboard

  • 3.1 Why Read This Report?
    • Table 3.1: Juniper Research Competitor Leaderboard: Prepaid Cards Vendors Included & Product Portfolio
    • Figure 3.2: Juniper Research Competitor Leaderboard for Prepaid Cards
    • Table 3.3: Juniper Research Competitor Leaderboard: Prepaid Cards Vendors & Positioning
    • Table 3.4: Juniper Research Competitive Leaderboard Heatmap: Prepaid Cards Vendors (Part 1)
    • Table 3.5: Juniper Research Competitive Leaderboard Heatmap: Prepaid Cards Vendors (Part 2)
  • 3.2 Prepaid Cards - Vendor Profiles
    • 3.2.1 American Express
      • i. Corporate
        • Table 3.6: American Express' Financial Snapshot ($m), 2020-2022
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.2 BBVA
      • i. Corporate
        • Table 3.7: BBVA's Financial Snapshot ($m), 2020-2022
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.3 Blackhawk Network
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.4 CleverCards
      • i. Corporate
        • Table 3.8: CleverCards' Funding Rounds ($m), 2011-2023
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 3.9: CleverCards Platform
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.5 Discover
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.6 Edenred
      • i. Corporate
        • Table 3.10: Edenred Financial Snapshot ($m), 2019-2022
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.7 FIS
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.8 Fiserv
      • i. Corporate
        • Table 3.11: Fiserv's Revenue ($b), 2019-2022
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.9 Green Dot
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.10 H&R Block
      • i. Corporate
        • Table 3.12: H&R Block's Financial Snapshot ($m), 2019-2022
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.11 InComm Payments
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.12 JCB
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.13 Marqeta
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.14 Mastercard
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.15 Mint Technology Corporation
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.16 Netspend
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.17 Recharge.com
      • i. Corporate
        • Table 3.13: Recharge.com's Funding Rounds, 2015-2021
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.18 Soldo
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.19 Travelex Group Limited
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.20 UnionPay
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.2.21 Visa
      • i. Corporate
        • Table 3.14: Visa's Financial Performance Snapshot, ($m), FY2020-2022
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 3.3 Juniper Research Leaderboard Assessment Methodology
  • 3.4 Limitations & Interpretation
    • Table 3.15: Juniper Research Competitor Leaderboard Scoring Criteria - Prepaid Cards

4. Prepaid Cards Market Forecasts

  • 4.1 Introduction
  • 4.2 Methodology & Assumptions
    • Figure 4.1 Prepaid Cards Methodology
    • Figure 4.2: Digital Prepaid Cards Methodology
  • 4.3 Prepaid Cards Market Summary
    • 4.3.1 Prepaid Cards Users
      • Figure & Table 4.3: Total Number of Prepaid Card Users (m), Split by 8 Key Region, 2023-2028
    • 4.3.2 Prepaid Cards in Issue
      • Figure & Table 4.4: Total Number of Prepaid Cards in Issue (m), Split by 8 Key Regions, 2023-2028
    • 4.3.3 Prepaid Cards Transaction Volume
      • Figure & Table 4.5: Total Volume of Prepaid Card Payments(m), Split by 8 Key Regions, 2023-2028
    • 4.3.4 Prepaid Cards Transaction Value
      • Figure & Table 4.5: Total Value of Prepaid Card Payments (m), Split by 8 Key Regions, 2023-2028
    • 4.3.5 Prepaid Cards Fee Revenue
      • Figure & Table 4.6: Total Fee Revenue of Prepaid Cards (m), Split by 8 Key Regions, 2023-2028
    • 4.3.6 Digital Prepaid Cards - Number of Cards in Issue
      • Figure & Table 4.7: Number of Digital Prepaid Cards in Issue (m), Split by 8 Key Regions, 2023-2028
    • 4.3.7 Digital Prepaid Cards - Value of Payments Made
      • Figure & Table 4.8: Total Value of Digital Prepaid Card Transactions ($m), Split by 8 Key Regions, 2023-2028