市場調査レポート

米国におけるサードパーティーのウォークイン型ビルペイメント

Third-Party Walk-In-Bill Payments in the United States

発行 Mercator Advisory Group, Inc. 商品コード 247384
出版日 ページ情報 英文
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=102.18円で換算しております。
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米国におけるサードパーティーのウォークイン型ビルペイメント Third-Party Walk-In-Bill Payments in the United States
出版日: 2012年07月20日 ページ情報: 英文
概要

当レポートでは、サードパーティープロバイダーによるウォークイン型ビルペイメントサービスの米国における市場機会について調査し、請求者にとってのウォークイン型ビルペイメントのメリット、 ウォークイン型ビルペイメントを提供する事業者、サードパーティーによるウォークイン型ビルペイメントの新しいデリバリーチャネル、サードパーティーによるウォークイン型ビルペイメントのビジネスモデルのレビュー、サードパーティープロセッサーへの規制、市場で優勢なビジネスのタイプなどを分析しており、概略以下の構成でお届けいたします。

エグゼクティブサマリー

イントロダクション

ウォークイン型ビルペイメントの市場機会

  • ウォークイン型ビルペイメントの将来における成長に影響する動向
  • 悪いニュース:ウォークイン型ビルペイメントの成長にマイナスに作用する動向
  • 良いニュース:ウォークイン型ビルペイメントの成長にプラスに作用する動向

ウォークイン型ビルペイメントのビジネスモデル

  • サードパーティーのウォークイン型ビルペイメントは出来高払いのビジネス
  • 3つの主要チャネルを通したウォークイン型ビルペイメント
  • ウォークイン型ビルペイメントプロバイダーは多くのルールに従わなければいけない

ウォークイン型ビルペイメントプロセッサーのプロファイル

  • Western Union
  • MoneyGram
  • TIO Networks
  • CheckFree Pay
  • Softgate Systems
  • Fidelity Express
  • Epayworldwide
  • PreCash
  • Global Express

新規市場参入企業

  • Fuze Network
  • PayNearMe
  • ZipZap Inc.

金融機関向けウォークイン型ビルペイメントの評価

総論

図表

目次

Abstract

New research by Mercator Advisory Group profiles nine bill payment processors

Boston, MA -- Walk-in bill payments provide an option for people who need to make payments but cannot or choose not to do so with an electronic means of payment or a check. Typically, these customers visit a retail location, kiosk, or biller's office to make a payment using cash. While other forms of payments are sometimes accepted, the most common form of payment is cash.

Mercator Advisory Group's new report, Third-Party Walk-In Bill Payments in the United States, focuses on payments made where the payer physically visits an agent location, such as a check casher, customer service desk in a grocery store, or kiosk to make a payment primarily by cash or check. It describes the market opportunity and the business model for walk-in bill payments and provides brief profiles of several major and emerging service providers.

The report covers third-party providers of these services. It does not include walk-in bill payments made directly at a biller's offices, money orders, online bill payments, or automatic bill payments. While this report notes where the major providers have significant overseas presence, it concentrates on the walk-in bill payment market in the United States.

"The future of walk-in bill payments is caught up in the tension between a number of conflicting trends," says Ben Jackson, senior analyst and author of the report. "Some of them seem to indicate that the business is likely to grow, while others would seem to indicate that walk-in bill payments will fade over time."

The report discusses these trends and covers possibilities and opportunities for financial institutions and other financial services companies.

Highlights of the research findings include:

  • The benefits of walk-in bill payments for billers and some states
  • The entities that offer walk-in bill payments
  • New delivery channels for third-party walk-in bill payments
  • A review of the business model for third-party bill payments
  • The regulations third-party processors are subject to, at both the federal and state level
  • The types of businesses dominating the market
  • One of the seven exhibits included in this report:

image1

This report contains 25 pages and seven exhibits.

Companies mentioned in this report include: Western Union, MoneyGram, TIO Networks, CheckFreePay, Softgate Systems, Fidelity Express, Epayworldwide, PreCash, Global Express, Fuze Network, PayNearMe, and ZipZap Inc.

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

The Walk-In Bill Payments Market Opportunity

  • Trends Influencing the Future Growth of Walk-In Bill Payments
  • The Bad News: Trends Working Against the Growth of Walk-In Bill-Payments
  • The Good News: Trends Working for Walk-In Bill Payment Growth

The Business Model for Walk-In Bill Payments

  • Walk-In Bill Third-Party Payments Are a Fee-for-Service Business
  • Walk-In Bill Payments Occur Through Three Primary Channels
  • Walk-In Bill-Payments Providers Must Follow a Lot of Rules

Profiles of Walk-In Bill-Payment Processors

  • Western Union
  • MoneyGram
  • TIO Networks
  • CheckFree Pay
  • Softgate Systems
  • Fidelity Express
  • Epayworldwide
  • PreCash
  • Global Express

New Market Entrants:

  • Fuze Network
  • PayNearMe
  • ZipZap Inc.

Evaluating the Walk-In Bill Payment Opportunity for Financial Institutions

Conclusion

  • End Notes

Figures and Tables

  • Figure 1: Estimates of the Third-Party Walk-In Bill Payment Market in the U.S., 2011
  • Figure 2: The Walk-In Bill-Payment Business Model: Fees Paid by Users
  • Figure 3: Biller-Covered Walk-In Bill Payments
  • Figure 4: Back-of-the-Envelope Estimate of Market Potential for Walk-In Bill-Pay in the U.S.
  • Table 1: The "Unbanked and Underbanked" Market
  • Table 2: Trends Influencing the Growth of Walk-In Bill Payments
  • Table 3: Major Third-Party Walk-In Bill-Pay Providers
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