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米国のカード加盟店業務市場:混乱の受け入れ

The U.S. Merchant Acquiring Industry in 2012: Embracing Disruption

発行 Mercator Advisory Group, Inc. 商品コード 249886
出版日 ページ情報 英文 23 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=115.27円で換算しております。
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米国のカード加盟店業務市場:混乱の受け入れ The U.S. Merchant Acquiring Industry in 2012: Embracing Disruption
出版日: 2012年09月06日 ページ情報: 英文 23 Pages
概要

当レポートでは、米国のマーチャントアクワイアリング(カード加盟店業務)の市場について調査分析し、カード加盟店業務における取引先のリスク、支払処理のコストの変化、ノンバンクの関連する法規制の改正、支払いデータのセキュリティに関するアクワイアラーの役割、新しい決済技術の実行、主要アクワイアラーのパフォーマンスなど、市場における各種動向をまとめ、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

カード加盟店業務:前年のレビュー

  • 小売売上と国内旅行支出額
  • 米国のトップ10アクワイアラー
  • アクワイアラーの市場シェア
  • ウィジャボードのコンサルティング

カード加盟店業務における取引先のリスク

  • 各種ビジネスモデルに内在する責任
  • 市場シェア:ビジネスモデル別
  • アクワイアラープロセッサー(第三者プロセッサー)の市場シェア
  • スポンサー銀行の市場シェア
  • 自然 vs 教養、ビートルズ vs ストーンズ、銀行 vs ノンバンク

ダービン後のアクワイアリング手数料

総論

  • アクワイアラーの展望
  • 取引先のリスク:注目のポイント
  • 続く手数料の戦い
  • 新しい課題
  • 著作権表示

図表

目次

New research from Mercator Advisory Group updates merchant acquiring research for the U.S. market

Now in its sixth iteration, Mercator Advisory Group's annual report on the U.S. merchant acquiring market, The U.S. Merchant Acquiring Industry in 2012: Embracing Disruption, discusses market performance of the largest U.S. acquirers and counterparty risk as well as emerging issues in the acquiring space, indicating that the industry is on the cusp of dramatic change. Shifting costs for payment processing are again at the forefront of the discussion, as are changing laws regarding nonbanks in the payments space, the role of acquirers in ensuring payment data is secure, and the implementation of new payments technologies in the largest national market in the world.

This year's report examines the performance of top tier merchant acquirers and provides commentary on a few salient themes impacting the industry. New this year is analysis of the acquiring market pertaining to the relative shares of merchant acquiring operations along with the division of the space by acquirer processor and by acquiring bank.

This report discusses counterparty risk in merchant acquiring and points to a recent example of an ISO overcome by risk exposure. It also examines the chain of liability linking different entities in the acquiring value chain, players that could be involved, and the threats posed to each party in the event of the industry's equivalent of a natural disaster.

"The U.S. merchant acquiring market, while concentrated heavily in the top tier of players, is actually quite diverse when it comes to the opportunities for firms of various kinds to share in the overall industry," David Fish, senior analyst in Mercator Advisory Group's Credit Advisory Service and author of the report comments.

"The traditional view of the acquiring space (a perspective that Mercator has encouraged the industry to expand) is that the term "acquirer" refers to the bank member of the card networks that either owns or sponsors the processing of card transactions into those networks, and thus holds the risk associated with those transactions. In reality, the acquiring bank passes liability for merchant card transactions downstream to partner intermediaries and is only one of four types of entities that could potentially own merchant contracts and risk liability that those contracts will go bad."

Highlights of this report include:

Market share analysis for the top 10 U.S. merchant acquirers, the top 8 acquirer processors, and the top 13 acquiring banks

Discussion of the issue of counterparty risk in merchant acquiring

Detailed analysis of new card network processing fees

Review of emerging industry issues regarding interchange regulation, merchant litigation, data security, and the implementation of EMV in the U.S.

Commentary on a new law in Georgia that grants a special purpose banking license to qualified non-bank merchant acquirers.

One of 12 exhibits in this report:

Source: Mercator Advisory Group estimates
© 2012 Mercator Advisory Group

This report is 23 pages long and has 12 exhibits.

Companies mentioned in this report include: American Express; Banc of America Merchant Services; BMO Harris; Citibank; Discover Financial Services; EVO Merchant Services; Fifth Third Bank; First Data; First National Bank of Omaha; Global Payments, Inc.; Heartland Payment Systems; HSBC; Intuit Payment Solutions; JetPay; JPMorgan Chase / Chase Paymentech; Key Bancorp / Key Merchant Services; MasterCard; Mercury Payment Systems; Merrick Bank; Moneris; PNC Merchant Services; RBS Citizens; RSA; Sovereign / Santander; SunTrust; Synovus; TransFirst; TSYS Merchant Solutions; USBancorp / Elavon; Vantiv; VeriFone; Visa Inc.; Voltage Security; Wells Fargo Merchant Services; and WorldPay.

Table of Contents

Executive Summary

Introduction

Merchant Acquiring in 2011: The Year in Review

  • Retail Sales and Domestic Travel Spending
  • The Top 10 U.S. Acquirers
  • Acquirers' Market Share in 2011
  • Consulting the Ouija Board

Counterparty Risk in Merchant Acquiring

  • Liability Inherent in Different Business Models
  • Market Share by Business Model
  • Acquirer Processor Market Share
  • Sponsor Banks' Market Share
  • Nature vs. Nurture, Beatles vs. Stones, Banks vs. Nonbanks

Post-Durbin Acquiring Fees: Are You a FANF of Them?

Conclusion

  • Acquirer Outlook
  • Counterparty Risk: What to Watch
  • The Fee Fight Will Continue
  • Emerging Issues
  • Copyright Notice

Figures and Tables

  • Figure 1: Retail / Food Service Sales and Domestic Travel Spending in the U.S., 2000 - 2011
  • Figure 2: Market Share of U.S. Payment Card Dollar Volume by Acquirer, 2011E
  • Figure 3: Market Share of U.S. Payment Card Transactions by Acquirer, 2011E
  • Figure 4: Forecast of Share of U.S. Payment Card Dollar Volume by Acquirer, 2016E
  • Figure 5: Typical Acquiring Business Models in the U.S.
  • Figure 6: Market Share of U.S. Payment Card Volume by Acquirer Business Model, 2011
  • Figure 7: Market Share of U.S. Acquirer Dollar Volume by Processor, 2011
  • Figure 8: Market Share of U.S. Acquiring Dollar Volume by BIN Sponsor Bank, 2011
  • Table 1: The Top 10 U.S. Acquirers, 2011
  • Table 2: Revenue/Expense Breakdown for a Typical Acquirer, 2011E
  • Table 3: Visa's FANF Tier Structure for Card-Not-Present/QSR Merchants
  • Table 4: Impacts of FANF on Multichannel Merchants of Various Types: Examples
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