市場調査レポート

小規模クレジットカード発行会社の分析(2012年):再起への待望

Small Credit Card Issuers 2012: Waiting for a Renaissance

発行 Mercator Advisory Group, Inc. 商品コード 233915
出版日 ページ情報 英文 27 Pages
納期: 即日から翌営業日
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小規模クレジットカード発行会社の分析(2012年):再起への待望 Small Credit Card Issuers 2012: Waiting for a Renaissance
出版日: 2012年03月12日 ページ情報: 英文 27 Pages
概要

当レポートでは、米国の小規模なカード発行会社で近年顕著になってきた、クレジットカードの直接発行への取り組みについて調査し、2006年以降の市場動向(カード直接発行ブームの到来とその必要性)、そのために克服すべき課題(参入障壁、市場競争の激しさなど)、事業促進のためのデータ処理企業・アウトソーシング企業との提携、その他の提言(差別化戦略など)といった内容を盛り込んで、その結果を概略以下の構成でお届けします。

イントロダクション

小規模カード発行会社の再生は来るのか?

  • 決して新しくない問題
  • もう二つの市場後退の促進要因
  • カード発行会社の再起:本物の動きか、単なる業界内の噂か?
  • 参入障壁と成長
  • 小規模発行会社の成功要因
  • 競争的な消費者市場:小規模発行会社にとっての課題
  • 計画への参加

アウトソーシング:小規模発行会社の可能性と成功の確保

  • この業界への参入には多大な準備が必要である
  • ベンダーと差別化
  • その他の利害関係者

戦略的提言

  • 市場縮小の影響
  • コンプライアンスの障壁
  • 水準以上の活動拠点の必要性
  • データ処理・アウトソーシング企業:ハイテクとハイタッチ(人間的感性)への関心移行
  • 著作権表記

図表一覧

目次

New research from Mercator Advisory Group examines developments in the often overlooked small issuer segment

Boston, MA -- Mercator Advisory Group's newest report assesses the odds of a renaissance of direct issuing among small issuers along with factors such as barriers to entry and competitive consumer challenges that affect those odds. Next, the research reviews a number of the important outsourcing partner firms serving this market.

As all financial institutions are faced with the challenge of growing their revenue-generating assets and putting their excess deposits to work, many smaller institutions are reexamining credit card lending as a growth opportunity or as a new product. Others that may have previously sold their card programs are again considering direct issuing. But will these new interests be able to turn around the long decline in the numbers of small FIs that directly issue credit cards? And what will these firms demand from their processing/outsourcing partners to support the increasingly complex credit card business?

“Considering the needs of small FIs to build assets, as well as the excellent resources available to effectively support small credit card programs via the processor/outsourcer community, the hopeful point of view would suggest the potential for strong growth in the ranks of small issuers. And indeed, we do hear from some processors/outsourcers that their pipelines of new issuers are strong. On the other hand, the hurdles are high for small FIs, and the established market trends are not positive,” comments Ken Paterson, VP for Research Operations at Mercator Advisory Group and the primary author of the report.

Highlights of the report include:

  • The overall shift in small bank credit card issuers since 2006 (based on combining the secular trend of consolidating financial institutions with portfolio sales).
  • Dominance of credit unions in the small issuer market and the portfolio sizes they are more likely to maintain.
  • Processors/outsourcers are key to maintaining small issuers, and have developed a remarkable standard array of technological and cardholder support capabilities.
  • How and why providers are differentiating their service offerings.

One of the nine exhibits included in this report:

Sources: FDIC, NCUA,Mercator Advisory Group
©Mercator Advisory Group

This report contains 27 pages and nine exhibits.

Companies mentioned in this report include: CSCU, Discover Network First Data Corporation, FIS, Fiserv, Jack Henry Associates, MasterCard, NEBA, PSCU Financial Services, TSYS Program Solutions, and Vantiv.

Table of Contents

Introduction

Is a Renaissance Dawning for Small Issuers?

  • Not a New Problem
  • Two Other Drivers of Decline
  • Issuer Resurgence: A Real Trend or Just Industry Buzz?
  • Barriers to Entry and Growth
  • Success Factors for Small Issuers
  • Competitive Consumer Challenges for Small Issuers
  • Program Commitment: How Low Can You Go?

Outsourcing: Making Small Issuers Feasible and Successful

  • It Takes a Lot to Be in This Business
  • Vendors and Differentiation
  • Other Stakeholders

Strategic Implications

  • The Implications of a Shrinking Pond
  • The Compliance Barrier
  • Needed: More Than a Level Playing Field
  • Processors/Outsourcers Move to High Touch as Well as High Tech
  • Copyright Notice

Figures and Tables

  • Figure 1: A Long-Established Trend: Decline in the Importance of Card Lending at Small Banks
  • Figure 2: In a Consolidation Environment, Bank Credit Card Issuers Have Declined Faster Since 2006
  • Figure 3: Small Banks Continue to Leave Card Issuing, While the Decline in Credit Union Issuers Stabilizes
  • Figure 4: Banks' Card Assets Are Heavily Concentrated with Large Issuers
  • Figure 5: A Higher Proportion of Credit Unions Maintain Healthy Portfolio Sizes
  • Figure 6: Small Issuers' Competitive Challenges: Rewards and Pricing Are Drivers of Card Selection
  • Figure 7: Small Issuers' Competitive Challenges: Consumers' Shift to Online Application Channels
  • Table 1: Outsourcing Partner Core Competencies, Part 1
  • Table 2: Outsourcing Partner Core Competencies, Part 2
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