プリペイドカード市場レポート：2030年までの動向、予測、競合分析

プリペイドカードの動向と予測

世界のプリペイドカード市場の将来は、小売施設、企業機関、政府機関、金融機関セクターにおける機会で有望視されています。世界のプリペイドカード市場は、2024年から2030年までのCAGRが14.5%で、2030年までに推定5兆3,856億米ドルに達すると予想されています。この市場の主な促進要因は、送金サービスにおけるプリペイドカード需要の増加、銀行口座を持たない個人および銀行口座を持たない個人の急増、キャッシュレス取引への関心の高まりです。

• Lucintelの予測では、種類別では、クローズドループカードが、利用しやすさ、詐欺リスクの低さ、金利の低さなど、さまざまな利点があるため、予測期間中も大きなセグメントであり続けるといいます。
• エンドユースカテゴリーでは、ショッピングや請求書支払いにおけるオンライン小売活動への嗜好の高まりにより、小売施設が引き続き最大セグメントとなると思われます。
• 地域別では、北米は、強固な金融インフラの存在、オンラインショッピングの人気の高まり、同地域におけるプリペイドカードの導入に有利な政府規制の存在により、予測期間中最大の地域であり続けると思われます。

プリペイドカード市場の戦略的成長機会

プリペイドカード市場には、技術、顧客層の変化、規制要因に後押しされた数多くの成長機会があります。市場でのプレゼンスを拡大し、多様な消費者ニーズに対応するために、企業はこれらの機会を探るべきです。

• デジタル決済とモバイル決済：デジタルおよびモバイル決済機能を備えたプリペイドカードの発行は、成長の可能性を秘めています。より多くの消費者がモバイル・ウォレットを利用する中、プリペイドカードがこれらのサービスの延長として価値を見出し、デジタル金融へのシフトをサポートし、顧客価値を高める可能性があります。
• 金融包摂：プリペイドカード市場は、特に銀行口座を持たない人々の金融包摂を促進する上で成長しています。手ごろな価格のプリペイド・カードは、従来のアクセス手段を持たない人々にもバンキング・サービスを提供し、新興市場における十分なサービスを受けていない人々にサービスを提供する取り組みと一致しています。
• カスタマイズとパーソナライゼーション：カスタマイズ可能なプリペイドカードは非常に人気が高いです。利用者が個人的な利用や販促用にデザインや機能を選択できるようにすることで、ユニークな金融商品に対するニーズを満たし、そのような選択肢を求める顧客の間で市場の魅力を拡大します。
• 法人および給与ソリューション：プリペイドカードは、従業員の福利厚生、給与計算、経費管理のために企業でますます利用されるようになっています。これらのカードは管理コストを削減し、財務管理を可能にするため、企業環境において魅力的な商品となっています。
• eコマースとオンライン決済：eコマースの台頭は、安全なオンライン取引のために設計されたプリペイドカードの機会を創出し、オンライン購入のための便利な支払方法を提供し、市場の成長を支えています。

こうした戦略的成長機会は、プリペイドカード市場の機能性、アクセシビリティ、魅力を高める。企業がこうした機会を活用することで、市場のさらなる成長に貢献することが期待されます。

プリペイドカード市場の促進要因・課題

プリペイドカード市場は、技術進歩、経済状況、規制要件など、さまざまな促進要因・課題によって形成され、その成長軌道に影響を及ぼしています。これらの要因を理解することは、利害関係者が市場の変化に適応するために極めて重要です。

市場促進要因

• 技術の進化：デジタルウォレット、モバイルペイメント、セキュリティ機能の動向は、プリペイドカードを消費者にとってより魅力的なものにし、デジタルペイメントへのトレンドと合致させることで、成長を促進します。
• デジタル決済導入の増加：デジタル決済利用の増加は、キャッシュレスオプションを好む消費者の増加に伴い、プリペイドカード市場の拡大を支えます。
• 金融包摂への注力：金融包摂への取り組みは、低所得層や銀行口座を持たない地域にも浸透し、従来の銀行口座を持たない人々にも決済ソリューションを提供することで、市場を拡大します。
• カスタマイズとパーソナライゼーションの需要：ユニークな金融商品に対する消費者の需要が、プリペイドカードのカスタマイズにおけるイノベーションを促進し、市場の魅力を高めています。
• 法人および給与ソリューション：従業員の福利厚生や給与計算など、企業のニーズに対するプリペイドカードの利用は、財務管理の合理化を通じて市場の成長を促進します。

市場の課題

• 規制への対応：AMLやKYCといった規制の遵守は、発行者に制限や運営コストを課し、市場成長への課題となっています。
• 不正行為とセキュリティへの懸念：詐欺のリスクは、消費者の信頼を維持し損失を防ぐための強力なセキュリティ対策を必要とし、セキュリティ技術への継続的な投資を必要とします。
• 市場の飽和と競合：高い競争は価格と利益率を圧迫し、発行体は市場シェアを維持するために革新と差別化を迫られます。

これらの市場促進要因・課題に対処することは、市場プレーヤーが適応し、成長機会を生かすために不可欠です。

目次

第1章 エグゼクティブサマリー

第2章 世界のプリペイドカード市場：市場力学

• イントロダクション、背景、分類
• サプライチェーン
• 業界の促進要因と課題

第3章 2018年から2030年までの市場動向と予測分析

• マクロ経済動向（2018～2023年）と予測（2024～2030年）
• 世界のプリペイドカード市場の動向（2018～2023年）と予測（2024～2030年）
• 世界のプリペイドカード市場、タイプ別
  • クローズドループカード
  • オープンループカード
• 世界プリペイドカード市場、用途別
  • 汎用再チャージ可能カード
  • ギフトカード
  • 政府給付金/支払いカード
  • インセンティブ/給与カード
  • その他
• 世界プリペイドカード市場、最終用途別
  • 小売店
  • 企業機関
  • 政府
  • 金融機関
  • その他

第4章 2018年から2030年までの地域別市場動向と予測分析

• 地域別の世界のプリペイドカード市場
• 北米のプリペイドカード市場
• 欧州のプリペイドカード市場
• アジア太平洋のプリペイドカード市場
• その他地域のプリペイドカード市場

第5章 競合分析

• 製品ポートフォリオ分析
• 運用統合
• ポーターのファイブフォース分析

第6章 成長機会と戦略分析

• 成長機会分析
  • 世界のプリペイドカード市場における成長機会（タイプ別）
  • 用途別の世界プリペイドカード市場の成長機会
  • 最終用途別の世界のプリペイドカード市場の成長機会
  • 地域別の世界のプリペイドカード市場の成長機会
• 世界のプリペイドカード市場の新たな動向
• 戦略分析
  • 新製品開発
  • 世界のプリペイドカード市場の容量拡大
  • 世界のプリペイドカード市場における合併、買収、合弁事業
  • 認証とライセンシング

第7章 主要企業の企業プロファイル

• Green Dot
• NetSpend Holdings
• H&R Block
• American Express
• JPMorgan
• PayPal Holdings
• BBVA Compass Bancshares
• Mango Financial
• UniRush
• Kaiku Finance

Prepaid Card Trends and Forecast

The future of the global prepaid card market looks promising with opportunities in the retail establishment, corporate institution, government, and financial institution sectors. The global prepaid card market is expected to reach an estimated $5,385.6 billion by 2030 with a CAGR of 14.5% from 2024 to 2030. The major drivers for this market are increasing demand for prepaid cards in remittance services, the surge in the number of unbanked and underbanked individuals, and growing interest in cashless transactions.

• Lucintel forecasts that, within the type category, closed-loop cards will remain a larger segment over the forecast period due to their various benefits, such as easy accessibility, low risk of fraud, and low interest rates.
• Within the end-use category, retail establishments will remain the largest segment due to increasing preference for online retail activities for shopping and bill payment.
• In terms of regions, North America will remain the largest region over the forecast period due to the existence of robust financial infrastructure, the rising popularity of online shopping, and the existence of favorable government regulations towards the adoption of prepaid cards in the region.

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Emerging Trends in the Prepaid Card Market

In various stages of the prepaid card market and its growth, certain emerging trends pose potential threats. These trends emphasize the growing integration of technology, increased safety, greater efficiency, and personalization of prepaid cards. They also illustrate how the market is evolving and the trends fueling its expansion.

• Digital Wallet Integration: Over recent years, digital wallets and mobile payment platforms have started accepting prepaid cards, allowing consumers to load and use prepaid funds via well-functioning mobile applications. This streamlines payment transfers increases accessibility, and quickens payment speeds, aligning with the movement towards electronic money. This trend supports market growth by offering users a flexible and integrated financial tool.
• Enhanced Security Features: Concerns over fraud and theft have led prepaid card providers to innovate in security provisions. Advancements such as virtual card numbers, instant transaction notifications, and fingerprint authentication have boosted prepaid card security. These updates alleviate customer concerns about security, encouraging product use and adoption. Enhanced security is a key strategy in the competitive prepaid card market.
• Customization and Personalization: Personalization in prepaid cards is on the rise, with issuers allowing users to choose card designs, add inscriptions, and select specific features. This personalization enhances user interaction and meets the needs of customers seeking unique financial products. The market is growing as segments seeking customized services are drawn to it.
• Financial Inclusion Initiatives: Prepaid cards are particularly effective in providing financial services to previously excluded populations. These cards enable individuals to pay or store money without traditional banking, supporting financial inclusion through technology. Financial inclusion initiatives in Africa and other emerging markets have fueled prepaid card adoption.
• Loyalty and Rewards Integration: Offering prepaid cards with loyalty and rewards programs is becoming common. Issuers partner with merchants to provide cardholders with points, discounts, and cashback benefits, adding value and encouraging card use. Loyalty and rewards integration strengthens the market by increasing the benefits of prepaid cards.

These trends are transforming the prepaid card market by enhancing functionality, security, and usability. The growth drivers include digital wallet integration, improved security, personalization, financial inclusion, and loyalty programs. Although still evolving, these trends will shape the development and uptake of prepaid cards and the future market landscape.

Recent Developments in the Prepaid Card Market

The prepaid card sector has seen significant changes due to technological advancements, evolving customer needs, and regulatory shifts. These changes enhance the practicality, security, and appeal of prepaid cards, illustrating how the market is evolving and expanding.

• Advanced Digital Integration: A key development in the prepaid card market is integration with digital wallets and mobile payment systems. Users can control prepaid cards via dedicated apps and make payments without swiping. This trend improves convenience, meeting the growing demand for digital finance and broadening market appeal.
• Enhanced Security Features: Recent security advancements include biometric authorization, timely fraud alerts, and virtual card numbers, which strengthen prepaid card security. These features counter fraud and identity theft, boosting consumer acceptance and providing a competitive market edge.
• Customization Options: Prepaid card issuers now offer options for unique designs, messages, and features to meet consumer demand for distinct financial products. These customizations improve user experience, making prepaid cards suitable for gifts and marketing, thus expanding the market.
• Financial Inclusion Initiatives: Prepaid cards are gaining popularity as tools for financial inclusion, particularly among unbanked populations. New low-cost prepaid cards offer an affordable alternative to conventional banking, supporting the global push for financial inclusion in underserved communities.
• Loyalty and Rewards Integration: Another trend is integrating prepaid cards with loyalty programs. Issuers collaborate with retailers to offer rewards, cashback, and discounts, enhancing card appeal and usage, and thereby promoting broader consumer adoption.

These recent developments have positively impacted the prepaid card market by improving functionality, security, and attractiveness. Growth is being driven by effective digital integration, enhanced security, product personalization, market monetization, and loyalty programs, shaping the future direction of the prepaid card market.

Strategic Growth Opportunities for Prepaid Card Market

The prepaid card market offers numerous growth opportunities driven by technology, changing customer demographics, and regulatory factors. To expand market presence and meet diverse consumer needs, businesses should explore these opportunities.

• Digital and Mobile Payments: Issuing prepaid cards with digital and mobile payment capabilities presents growth potential. As more consumers use mobile wallets, they may find prepaid cards valuable extensions of these services, supporting the shift towards digital finance and enhancing customer value.
• Financial Inclusion: The prepaid card market is growing, especially in promoting financial inclusion among unbanked populations. Affordable prepaid cards offer banking services to those without conventional access, aligning with efforts to serve underserved populations in emerging markets.
• Customization and Personalization: Customizable prepaid cards are highly sought after. Allowing users to select designs and features for personal or promotional use fulfills the need for unique financial products, expanding market appeal among customers seeking such options.
• Corporate and Payroll Solutions: Prepaid cards are increasingly used by corporations for employee benefits, payroll, and expense management. These cards reduce administrative costs and offer financial control, making them appealing in the corporate environment.
• E-commerce and Online Payments: The rise of e-commerce creates opportunities for prepaid cards designed for secure online transactions, providing a convenient payment method for online purchases, which supports market growth.

These strategic growth opportunities enhance the prepaid card market's functionality, accessibility, and appeal. As businesses leverage these opportunities, they will contribute to further market growth.

Prepaid Card Market Driver and Challenges

The prepaid card market is shaped by various drivers and challenges, including technological advancements, economic conditions, and regulatory requirements, which influence its growth trajectory. Understanding these factors is crucial for stakeholders to adapt to market changes.

Market Drivers

• Technological Evolution: Advances in digital wallets, mobile payments, and security features drive growth, making prepaid cards more appealing to consumers and aligning with the trend toward digital payments.
• Increasing Digital Payment Adoption: The rise in digital payment use supports prepaid card market expansion as more consumers prefer cashless options.
• Focus on Financial Inclusion: Financial inclusion efforts expand the market by reaching low-income and underbanked regions, providing payment solutions to those without traditional banking.
• Customization and Personalization Demand: Consumer demand for unique financial products drives innovations in prepaid card customization, enhancing market appeal.
• Corporate and Payroll Solutions: The use of prepaid cards for corporate needs, such as employee benefits and payroll, drives market growth through streamlined financial management.

Market Challenges

• Regulatory Compliance: Compliance with regulations such as AML and KYC imposes restrictions and operational costs on issuers, posing challenges to market growth.
• Fraud and Security Concerns: Fraud risks necessitate strong security measures to maintain consumer confidence and prevent losses, requiring continuous investment in security technologies.
• Market Saturation and Competition: High competition pressures prices and profit margins, compelling issuers to innovate and differentiate to retain market share.

Addressing these drivers and challenges is essential for market players to adapt and capitalize on growth opportunities.

List of Prepaid Card Companies

Companies in the market compete on the basis of product quality offered. Major players in this market focus on expanding their manufacturing facilities, R&D investments, infrastructural development, and leverage integration opportunities across the value chain. With these strategies prepaid card companies cater increasing demand, ensure competitive effectiveness, develop innovative products & technologies, reduce production costs, and expand their customer base. Some of the prepaid card companies profiled in this report include-

• Green Dot
• NetSpend Holdings
• H&R Block
• American Express
• JPMorgan
• PayPal Holdings
• BBVA Compass Bancshares
• Mango Financial
• UniRush
• Kaiku Finance

Prepaid Card by Segment

The study includes a forecast for the global prepaid card by type, usage, end use, and region.

Prepaid Card Market by Type [Analysis by Value from 2018 to 2030]:

• Closed Loop Card
• Open Loop Card

Prepaid Card Market by Usage [Analysis by Value from 2018 to 2030]:

• General Purpose Reloadable Card
• Gift Card
• Government Benefits/Disbursement Card
• Incentive/Payroll Card
• Others

Prepaid Card Market by End Use [Analysis by Value from 2018 to 2030]:

• Retail Establishment
• Corporate Institutions
• Government
• Financial Institutions
• Others

Prepaid Card Market by Region [Shipment Analysis by Value from 2018 to 2030]:

• North America
• Europe
• Asia Pacific
• The Rest of the World

Country Wise Outlook for the Prepaid Card Market

More and more prepaid card markets are rising, and the reason lies in the tech progress, changes in customers' behavior, and alterations in regional policy. This evolution can be observed in developed countries around the world more specifically, the US, China, Germany, India, and Japan, which are major economies. Each region faces different developments owing to local economic development, technology uptake, and policies. There is no doubt that these regional variations present an opportunity to anticipate the future direction of the evolution of the global prepaid card market as well as the determinants of growth.

• United States: The U.S. prepaid card market is booming, owing especially to the advancements made in digital and fuelling of technology. In recent times, there has been an increase in the use of prepaid cards as integrated with mobile wallets and digital banks for the reasons of enhancing how finances are accessed. There are now even more security measures in place such as the use of biometric features and live fraud checks. Furthermore, preloaded cards are gradually gaining popularity as a means of salary payment or government support disbursement which shows that people want something practical rather than money.
• China: The developing landscape of China's prepaid card market can be attributed to the fact that prepaid cards are now compatible with apps such as Alipay and WeChat Pay to the advantage of the user. This makes it easier for the user to use a mobile application to load and spend the funds in their account without having to go to a point of sale. The Chinese prepaid card market has recorded several engagements of different prepaid cards designed or made for customers whereby other includes, including Travel prepaid cards, shopping, etc. Such developments are fueled by the current digital inclusion and advances in payment systems.
• Germany: The prepaid card market in Germany shows new trends in supervisory activities and security issues. Prepaid cards are becoming more and more centered on the requirements to prevent money laundering and to know your customers under the laws of the European Union. Moreover, prepaid cards are expected to have a broader use for travel and internet payments due to the growing need for secured payment solutions. Prepaid cards are now also being adopted by Germans in the virtual and contactless form, consistent with the prevailing pattern of technological adoption.
• India: The prepaid card market in India is on the edge of phenomenally developing due to the increase of government initiatives towards a cashless economy and extending the reach to more people. The recent and anticipated introduction of prepaid cards has given a new arena of use such as tourism, e-shopping, government support schemes, etc. Other catalysts of this emerging market include the growing usage of smartphones and digital payment technology. There are also recent low-priced, unconventional prepaid card products and credit card-like products being launched to meet the varying needs of the Indian market.
• Japan: In Japan, prepaid card development is characterized by a convergence of technology and greater ease of use for the customer. One such new development is a prepaid card that can be used for public transport and has projects like the Promise Card attached. Across the nation, more and more people are using election 'Vouchers' or prepaid cards over the internet to pay for goods or buy them, because of their multifunctional use and efficiency. Also, there is a growing tendency of people about contactless payment and mobile app integration which side caters to technological advancement and comfort in Japan.

Features of the Global Prepaid Card Market

Market Size Estimates: Prepaid card market size estimation in terms of value ($B).

Trend and Forecast Analysis: Market trends (2018 to 2023) and forecast (2024 to 2030) by various segments and regions.

Segmentation Analysis: Prepaid card market size by type, usage, end use, and region in terms of value ($B).

Regional Analysis: Prepaid card market breakdown by North America, Europe, Asia Pacific, and Rest of the World.

Growth Opportunities: Analysis of growth opportunities in different types, usages, end uses, and regions for the prepaid card market.

Strategic Analysis: This includes M&A, new product development, and competitive landscape of the prepaid card market.

Analysis of competitive intensity of the industry based on Porter's Five Forces model.

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This report answers following 11 key questions:

• Q.1. What are some of the most promising, high-growth opportunities for the prepaid card market by type (closed loop card and open loop card), usage (general purpose reloadable card, gift card, government benefits/disbursement card, incentive/payroll card, and others), end use (retail establishment, corporate institutions, government, financial institutions, and others), and region (North America, Europe, Asia Pacific, and the Rest of the World)?
• Q.2. Which segments will grow at a faster pace and why?
• Q.3. Which region will grow at a faster pace and why?
• Q.4. What are the key factors affecting market dynamics? What are the key challenges and business risks in this market?
• Q.5. What are the business risks and competitive threats in this market?
• Q.6. What are the emerging trends in this market and the reasons behind them?
• Q.7. What are some of the changing demands of customers in the market?
• Q.8. What are the new developments in the market? Which companies are leading these developments?
• Q.9. Who are the major players in this market? What strategic initiatives are key players pursuing for business growth?
• Q.10. What are some of the competing products in this market and how big of a threat do they pose for loss of market share by material or product substitution?
• Q.11. What M&A activity has occurred in the last 5 years and what has its impact been on the industry?

Table of Contents

1. Executive Summary

2. Global Prepaid Card Market : Market Dynamics

• 2.1: Introduction, Background, and Classifications
• 2.2: Supply Chain
• 2.3: Industry Drivers and Challenges

3. Market Trends and Forecast Analysis from 2018 to 2030

• 3.1. Macroeconomic Trends (2018-2023) and Forecast (2024-2030)
• 3.2. Global Prepaid Card Market Trends (2018-2023) and Forecast (2024-2030)
• 3.3: Global Prepaid Card Market by Type
  • 3.3.1: Closed Loop Card
  • 3.3.2: Open Loop Card
• 3.4: Global Prepaid Card Market by Usage
  • 3.4.1: General Purpose Reloadable Card
  • 3.4.2: Gift Card
  • 3.4.3: Government Benefits/Disbursement Card
  • 3.4.4: Incentive/Payroll Card
  • 3.4.5: Others
• 3.5: Global Prepaid Card Market by End Use
  • 3.5.1: Retail Establishment
  • 3.5.2: Corporate Institutions
  • 3.5.3: Government
  • 3.5.4: Financial Institutions
  • 3.5.5: Others

4. Market Trends and Forecast Analysis by Region from 2018 to 2030

• 4.1: Global Prepaid Card Market by Region
• 4.2: North American Prepaid Card Market
  • 4.2.1: North American Market by Type: Closed Loop Card and Open Loop Card
  • 4.2.2: North American Market by End Use: Retail Establishment, Corporate Institutions, Government, Financial Institutions, and Others
• 4.3: European Prepaid Card Market
  • 4.3.1: European Market by Type: Closed Loop Card and Open Loop Card
  • 4.3.2: European Market by End Use: Retail Establishment, Corporate Institutions, Government, Financial Institutions, and Others
• 4.4: APAC Prepaid Card Market
  • 4.4.1: APAC Market by Type: Closed Loop Card and Open Loop Card
  • 4.4.2: APAC Market by End Use: Retail Establishment, Corporate Institutions, Government, Financial Institutions, and Others
• 4.5: ROW Prepaid Card Market
  • 4.5.1: ROW Market by Type: Closed Loop Card and Open Loop Card
  • 4.5.2: ROW Market by End Use: Retail Establishment, Corporate Institutions, Government, Financial Institutions, and Others

5. Competitor Analysis

• 5.1: Product Portfolio Analysis
• 5.2: Operational Integration
• 5.3: Porter's Five Forces Analysis

6. Growth Opportunities and Strategic Analysis

• 6.1: Growth Opportunity Analysis
  • 6.1.1: Growth Opportunities for the Global Prepaid Card Market by Type
  • 6.1.2: Growth Opportunities for the Global Prepaid Card Market by Usage
  • 6.1.3: Growth Opportunities for the Global Prepaid Card Market by End Use
  • 6.1.4: Growth Opportunities for the Global Prepaid Card Market by Region
• 6.2: Emerging Trends in the Global Prepaid Card Market
• 6.3: Strategic Analysis
  • 6.3.1: New Product Development
  • 6.3.2: Capacity Expansion of the Global Prepaid Card Market
  • 6.3.3: Mergers, Acquisitions, and Joint Ventures in the Global Prepaid Card Market
  • 6.3.4: Certification and Licensing

7. Company Profiles of Leading Players

• 7.1: Green Dot
• 7.2: NetSpend Holdings
• 7.3: H&R Block
• 7.4: American Express
• 7.5: JPMorgan
• 7.6: PayPal Holdings
• 7.7: BBVA Compass Bancshares
• 7.8: Mango Financial
• 7.9: UniRush
• 7.10: Kaiku Finance