市場調査レポート

プリペイドカード:銀行の姿勢・導入率・導入計画の調査

Prepaid Cards: A Survey of Bank Attitudes, Adoption Rates, and Deployment Plans

発行 Mercator Advisory Group, Inc. 商品コード 257053
出版日 ページ情報 英文 35 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=101.50円で換算しております。
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プリペイドカード:銀行の姿勢・導入率・導入計画の調査 Prepaid Cards: A Survey of Bank Attitudes, Adoption Rates, and Deployment Plans
出版日: 2012年10月31日 ページ情報: 英文 35 Pages
概要

プリペイドカードは金融サービス産業においてもっとも成長の著しい部門のひとつです。しかし同部門への銀行の姿勢はさまざまに異なります。

当レポートでは、銀行によるプリペイドカード商品への姿勢と導入の動向について調査分析し、導入状況と導入計画、プリペイドカード市場に対する評価、他の金融商品と比較した相対的重要性、導入担当部署、導入における課題などをまとめ、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

  • 回答者のレビュー:資産規模・プリペイド事業レベル別
  • プリペイド事業の実行状況(109行)
  • GPR商品の現在の導入状況
  • プリペイド事業の規模・実行における課題
  • カード発行者の重要性の測定
  • 法規制環境と市場機会の測定、など

現在プリペイド商品を検討中の銀行(40行)

  • どのプリペイド商品を検証しているか?
  • プリペイド関連の意思決定に関わる部門
  • カード発行者の決定
  • 法規制・市場の展望のレビュー
  • プリペイド商品と他の機会の相対的ランキング・実行上の主な課題
  • GPRの成功因子

プリペイド商品を検証後、導入しないと決定した銀行(58行)

  • 評価および商品の選定の深度
  • 関連部門
  • 法規制環境と市場需要の認識
  • 他の金融商品の機会と相対的に比較したプリペイドの重要性

プリペイド商品を検証していない銀行(103行)

  • プリペイドに関する知識レベルの測定
  • プリペイド商品の検証に関わる可能性のある部門
  • プリペイド商品に割当てられる重要性

総論

目次

Mercator Advisory Group reports findings of a survey of
banksfor the American Bankers Association

Boston, MA - October 20, 2012 Prepaid cards are one of the fastest growing segments of the financial services industry, but banks' attitudes toward them vary, according to a study by Mercator Advisory Group for the American Bankers Association.

‘Prepaid Cards: A Survey of Bank Attitudes, Adoption Rates, and Deployment Plans’, a Mercator Advisory Group survey for the American Bankers Association, asked banks of all sizes about their use or planned use of various prepaid financial services products such as general purpose reloadable (GPR) cards, gift cards, payroll cards, government disbursement cards, and HSA cards.

The results of the survey identify how banks perceive these prepaid markets, which departments take the lead during the evaluation, and which departments lead the deployment. For banks that have already deployed prepaid or are preparing to launch a prepaid product, this survey identifies if they intend to be the issuer and why or why not, and how tightly they expect to integrate prepaid to existing teller terminals, ATM networks, and key business processes such as CIP.

The survey discovers that the more involved a bank is with prepaid, or the more research it has conducted, the more likely it was to report satisfaction with the prepaid market opportunity and the prepaid regulatory landscape.

"For banks, the hardest aspect of deploying a prepaid product is most often the challenge involved related to systems integration and business process integration," comments Tim Sloane, director of Mercator Advisory Group's Prepaid Advisory Service. "This survey indicates that banks generally intend to implement a full integration and fail to recognize that some prepaid implementations, such as Budgeting Cards, don't actually require ATM or teller support."

Highlights of this report include:

  • Banks' top reasons for deploying or electing not to deploy prepaid cards
  • Additional reasons banks consider important for offering prepaid products
  • The percentages of banks currently offering or planning to offer a prepaid gift card and/or a GPR card product
  • The percentages that view current demand for prepaid products as favorable or highly favorable
  • Which prepaid products are being considered and how banks intend to execute these products relative to existing teller systems and business processes

One of 44 exhibits in this report:

Source: Prepaid Card Products, 2012 survey of Banks by
Mercator Advisory Group for ABA

This report is 35 pages long and contains 44 exhibits.

Table of Contents

Executive Summary

Introduction

  • Review of Respondents by Asset Size and Level of Prepaid Involvement
  • Have Implemented Prepaid (109 Respondents)
  • Current Applications for GPR Products
  • Weighing the Value of Prepaid and Understanding Implementation Issues
  • Gauging the Importance of Being the Issuer
  • Gauging the Regulatory Environment and Market Opportunity

Currently Evaluating Prepaid (40 Respondents)

  • What Prepaid Products Are Being Evaluated by Banks New to Prepaid?
  • Departments Involved in Prepaid Decisions
  • Deciding Who Will Be the Issuer
  • Reviewing Regulatory and Market Perspectives
  • Ranking Prepaid Relative to Other Opportunities and Key Implementation Issues
  • Selection of GPR Success Factors

Evaluated and Decided Not to Deploy Prepaid (58 Respondents)

  • Depth of the Evaluation and Product Selection
  • Determining Which Departments Were Involved
  • Perceptions of the Regulatory Environment and Market Demand
  • Importance of Prepaid Relative to Other Bank Product Opportunities

Have Not Evaluated Prepaid (103 Respondents)

  • Gauging the Level of Prepaid Knowledge
  • Which Departments Would Be Involved in Evaluating Prepaid?
  • What Importance Is Prepaid Assigned?

Conclusion

  • Copyright Notice
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