市場調査レポート

ハイブリッドカード市場

Hybrid Cards: I'll Have Two of Everything

発行 Mercator Advisory Group, Inc. 商品コード 230718
出版日 ページ情報 英文 28 Pages
納期: 即日から翌営業日
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ハイブリッドカード市場 Hybrid Cards: I'll Have Two of Everything
出版日: 2012年02月03日 ページ情報: 英文 28 Pages
概要

当レポートでは、ハイブリッドカードの市場機会について分析しており、ハイブリッドカードの主な特徴と定義、市場動向、ビジネス促進因子、技術進歩、実例を含めたハイブリッドカード7種類のレビュー、DUOカードのケーススタディなどについて、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

イントロダクション

二重性の定義

ビジネス環境

  • 消費者の決済嗜好
  • バックエンド処理能力
  • ライフスタイル製品戦略へのシフト
  • 市場におけるハイブリッドカード

市場における実例

  • 自社ブランド+汎用リボルビングクレジット
  • チャージ(全額払い)+リボルビングクレジット
  • クレジット+ストアードバリュー
  • デュアルカレンシー
  • ストアードバリュー+ID
  • クレジット+メンバーシップ

DUOカード

発展環境

  • 製品構造
  • 内部教育・顧客教育
  • リスク管理

一つより二つがいい?

図表

目次

Abstract

Report Examines Market Opportunities for Hybrid (Dual Function) Cards

Boston, MA -- In new research, Hybrid Cards: I'll Have Two of Everything, Mercator examines the characteristics that comprise a dual-function card in order to create a definition and framework for considering hybrid card opportunities in the market.

Before electronic wallets and virtual accounts become ubiquitous, the payments industry will continue to rely on plastic cards as the primary form factor. Thus, issuers around the world are putting hybrid cards in their consumers' pockets for myriad purposes and new technologies are being developed that serve to further enhance plastic card functionality. In addition, the practice of leveraging subaccounts to segregate purchases into distinct repayment categories to create hybrid accounts has roots in major issuer strategies, such as American Express' Sign and Travel, as well as new products, like Chase's Blueprint.

Major U.S. issuers, including Fifth Third and CitiBank, are offering cardholders hybrid card products as a means of expanding their brand value and offering consumers convenient access to broader categories of spend.

This report reviews this dynamic market, offers examples of hybrid card executions, and examines critical aspects within the development environment.

Major Highlights of This Report Include:

An examination of the business drivers, market dynamics, and technical advancements that have resulted in the creation of a wide variety of hybrid cards and accounts.

An analysis of the major characteristics that make up a hybrid card and a resulting definition.

A review of the seven different types of hybrid cards including examples.

A case study of the Fifth Third DUO card based including product strategy, best practice guidelines, and near term results of the product operating in-market.

"The challenge of expanding issuer brand equity in a market that has become highly fractionalized is a primary problem financial institutions are trying to solve in the United States. Issuing a hybrid card can be a solution that bridges the gap between legacy and emerging payment forms and creates a product construct that is more valuable...," Patricia Hewitt, director of Mercator Advisory Group's Debit Advisory Service comments.

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This report is 28 pages long and has 13 exhibits.

Companies mentioned in this report include: Fifth Third Bancorp, CitiBank, Wells Fargo, First Data, TSYS, Dynamics, American Express, AAA, Costco, JPMorgan Chase.

Members of Mercator Advisory Group's Debit Advisory Service have access to this report as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.

Table of Contents

Executive Summary

Introduction

A Definition of Duality

  • What Makes a Hybrid?

Business Case Environment

  • Consumer Payment Preferences
  • Back-End Processing Capabilities
  • Shift to Lifestyle Product Strategies
  • Hybrid Cards In-Market

In-Market Examples

  • Private Label + General Purpose Revolving Credit
  • Charge (Pay in Full) + Revolving Credit
  • Credit + Stored Value
  • Dual Currency
  • Stored Value + ID
  • Credit + Membership

DUO Card

Development Environment

  • Product configuration
  • Internal and Consumer Education
  • Risk Management

Is Two Better than One?

Figures and Tables

  • Figure 1: U.S. Household Card Ownership, 2009 - 2011
  • Figure 2: Estimated Global Payment Volume Opportunity, Prepaid Cards - Global
  • Figure 3: Consumer Survey Results Indicate Persistent Uncertainty
  • Figure 4: Dynamics Card 2.0® MultiAccount Card
  • Table 1: Hybrid Card Types in Market
  • Figure 5: Private Label + General Purpose Credit
  • Figure 6: Charge (Pay in Full) + Revolving Credit
  • Figure 7: Credit + Stored Value
  • Figure 8: Dual-Currency Credit
  • Figure 9: Stored Value + ID
  • Figure 10: Credit + Membership
  • Figure 11: Debit + Credit Hybrid DUO Card
  • Figure 12: Hybrid Card Development Environment
  • Figure 13: Hybrid Card Value Relationships
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