市場調査レポート

BINスポンサーシップ:金融機関の新たな収益機会はプリペイド

BIN Sponsorship: New Revenue Opportunities for Financial Institutions in Prepaid

発行 Mercator Advisory Group, Inc. 商品コード 175024
出版日 ページ情報 英文 50 pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=105.42円で換算しております。
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BINスポンサーシップ:金融機関の新たな収益機会はプリペイド BIN Sponsorship: New Revenue Opportunities for Financial Institutions in Prepaid
出版日: 2011年03月11日 ページ情報: 英文 50 pages
概要

金融機関は、近年の手数料収入の減少により、新たな収入源としてプリペイドカードを検討しています。プリペイド事業プログラムにおける金融機関の主な役割は、大手の決済ネットワークにアクセスして取引を行う際の、規制とネットワーク監視です。リスクマネジメントは、BINスポンサーとしての金融機関にとって大きな懸案事項であり、無用なリスクを避けるために、方針や手順を確立しておく必要があります。

当レポートでは、プリペイドバリューチェーンにおけるBINスポンサーの役割について説明し、BINスポンサーが収入を得る方法を調査し、業界に興味のある金融機関向けに現在の市場機会を検証し、専門家の意見なども含めて、概略以下の構成でお届けいたします。

イントロダクション

プリペイド市場について

「BINスポンサー」の定義

メタバンクへの注文から生まれた機会

BINスポンサーシップにおける銀行や信用組合の機会

BINスポンサーシップ業界に入るには

プリペイドバリューチェーンについて

BINスポンサーとしての金融機関の業務

金融機関のリスクマネジメントの責任

  • 初期クライアントの適正評価

法的規制順守の問題

BINスポンサーの運営上の懸案事項

  • 初期の適正評価
  • 統合
  • 継続中の運営活動
  • リレーションシップマネジメント

プロセッサーやその他のベンダー

  • コアとなるプロセッサー
  • カードメーカーや代行業者
  • 顧客サービス
  • IT

運営手順

  • 契約
  • 人材
  • 負の残高のリスク
  • BINの設定
  • 解決

収益と収入

  • 収益源
  • 途中経費
  • プログラム管理者に対するチャージ

銀行のその他の収益機会

結論

図表

目次

Boston, MA -- Due to recent legislation, financial institutions are facing increased pressure to find new sources of revenue as they face a world without income derived from interchange and overdraft fees. Prepaid cards may be the answer to financial institutions' desire to develop an alternative revenue source.

Although the role of the financial institution in the prepaid value chain is critical, without understanding the complexities associated with prepaid programs a financial institution cannot manage a successful and profitable program.

“Prepaid is a dynamic and creative industry with exciting growth potential. With all of the possible applications for prepaid, clients and prospective clients will frequently present their financial institution partners with new ideas for consideration. In order to manage this barrage of creativity, it is important for the issuer to understand the parameters of the business,” states Ben Jackson, Senior Analyst in Mercator Advisory Group' s Prepaid Advisory Service and co-author of the BIN Sponsorship: New Revenue Opportunities for Financial Institutions in Prepaid report.

This special in-depth report explains the role of the BIN-sponsor in the prepaid value chain, explores the ways in which a BIN-sponsor makes money, and reviews the market opportunity that exists now for financial institutions interested in this space. This report includes a 50-minute prerecorded Webinar presented by Tim Sloane, Director of the Mercator Advisory Group' s Prepaid Advisory Service and Ben Jackson, Senior Analyst with the Prepaid Advisory Service.

Highlights of the report include:

Financial Institutions need to find new sources of revenue because of the reduction of overdraft and interchange income, and prepaid cards may provide some of that new revenue.

Now is a good time to look at options in the prepaid industry due to the loss of income and because program managers want to have a variety of issuers to manage risk.

Financial institutions' primary functions in a prepaid program are to provide regulatory and network oversight while delivering access to major payment networks and settling transactions for all the parties in the value chain.

Risk management is a major concern for BIN-sponsoring financial institutions, so they must establish policies and procedures to avoid unnecessary and unmanageable risks.

Financial institutions earn income in prepaid by charging fees to program managers for the services they provide. They must make sure they are sufficiently compensated for the risks they manage in addition to the operational work they perform.

This report is 50 pages long and has 26 exhibits.

Companies mentioned in this report include: NetSpend, MetaBank, The Bancorp Bank, H&R Block, FIS, American Bankers Association, Green Dot, Simon Malls, Ace Cash Express, Star.

Table of Contents

Introduction

A Brief Overview of the Prepaid Market

‘BIN Sponsor’ Defined

Why Now is the Time to Look at This Business

The Opportunity Created by the Order Against MetaBank

Opportunities for Banks and Credit Unions in BIN-Sponsorship

Ways of Entering the BIN Sponsorship Business

The Prepaid Value Chain Explained

The Financial Institutions' Jobs as a BIN Sponsor

The Financial Institutions' Risk Management Duties

  • Initial Client Due Diligence

Legal and Regulatory Compliance Issues

Operational Concerns for a BIN Sponsor

  • Initial Due Diligence
  • Integration
  • Ongoing Operational Activities
  • Relationship Management

Processors and Other Vendors

  • Core Processors
  • Card Manufacturers and Fulfillment Houses
  • Customer Service
  • IT

Operational Procedures

  • Contracts and Agreements
  • Personnel Infrastructure
  • Negative Balance Risk
  • BIN Set-Up
  • Settlement

Where the Revenues and Income Come From

  • Revenue Sources
  • Pass-through Expenses
  • Fees Charged to the Program Manager

Other Revenue Opportunities for Banks

Conclusion

Additional Resources

Special Webinar Playback Instructions

TABLE OF FIGURES

  • Figure 1: The Open-Loop Prepaid Market
  • Figure 2: BIN Sponsor Defined
  • Figure 3: Why Now Is the Time to Consider This Business
  • Figure 4: What Happened at MetaBank
  • Figure 5: What the Order Against MetaBank Means for the Industry
  • Figure 6: Opportunities for Financial Institutions in BIN Sponsorship
  • Figure 7: Issuer in a Box Programs
  • Figure 8: Examples of Banks in Prepaid Segments
  • Figure 9: The Prepaid Value Chain
  • Figure 10: Variations on the Value Chain
  • Figure 11: The Primary Role of the BIN Sponsor
  • Figure 12: Facets of Prepaid Risk Management
  • Figure 13: Connections a BIN Sponsor Must Make
  • Figure 14: The Program Manager as Intermediary
  • Figure 15: The Program Manager' s Role
  • Figure 16: The Processor' s Functions
  • Figure 17: Other Connections the BIN Sponsor Needs
  • Figure 18: BIN Sponsor Operational Procedures
  • Figure 19: Risk Review Items
  • Figure 20: Additional Risk Review Items
  • Figure 21: Negative Balance Risk
  • Figure 22: Contracts and Risk Management
  • Figure 23: How the Money Flows
  • Figure 24: The Income Equation for BIN Sponsors
  • Figure 25: Examples of Cardholder Fees
  • Figure 26: Additional Prepaid Program Features
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