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市場調査レポート

南米における非銀行利用消費者:Eペイメント市場

Unbanked and Underbanked Consumers in South America: A Market for E-Payments

発行 Mercator Advisory Group, Inc. 商品コード 304624
出版日 ページ情報 英文 26 Pages
納期: 即日から翌営業日
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南米における非銀行利用消費者:Eペイメント市場 Unbanked and Underbanked Consumers in South America: A Market for E-Payments
出版日: 2014年05月28日 ページ情報: 英文 26 Pages
概要

2013年において、南米には約1億7,000万人の成人の非銀行利用者(unbanked :全く利用できない/underbanked:十分に利用できない)がいたと推計されています。このことは、金融機関が南米大陸における金融インクルージョンを改善し、電子ペイメントの成長を支える大きなインセンティブを保有していることを意味しています。

当レポートでは、南米における非銀行利用消費者の情勢について調査しており、各国における情報、国内の公共・民間企業がどのように金融インクルージョンを改善し、電子ペイメントの利用を促進するかについての説明をまとめ、提供しています。

主な調査内容

  • 主な南米諸国における口座の概要およびデビットカード・クレジットカードの普及率
  • 数百万の非銀行利用消費者をペイメントのメインストリームに移動させるプロセスの加速に役立つよう採用される各チャネルの調査

本調査で言及した主な企業

  • Azteca, Banco BBVA, Banco Bradesco, Caixa Economica Federal, Claro, MasterCard, Novo Payment, Oi Carteira, Pagtel, Rapiplata, Ria Financial Services, Scotiabank, Vivo, Wanda, Yellow Pepper
目次

Definitions of “unbanked” and “underbanked” consumers and estimates of their number vary widely around the world. Yet there is broad consensus in the banking and payments industry that this demographic will prove important to long-term growth in electronic payments in both developed and developing payments markets.

According to Mercator Advisory Group estimates, in 2013 there were approximately 170 million unbanked or underbanked adults in South America. This means financial institutions have significant incentive to improve financial inclusion and to support the growth of electronic payments around the continent. Increasing the number of consumer bank accounts is not feasible overnight. But across South America both private and public sector organizations are seeking to accelerate the migration from traditional payment instruments to e-payments as a means to tap into a vast new demographic that holds the potential for long-term robust growth across payment industry segments.

Mercator Advisory Group's latest report, ‘Unbanked and Underbanked Consumers in South America: A Market for E-Payments’, sheds light on the unbanked and underbanked landscape in South America by providing information on the true extent of these in each country across the continent and describing how local public and private organizations are attempting to improve financial inclusion and boost electronic payment use.

“As the global payment industry has grown, firms have begun seeking new international markets where the potential for robust electronic payment growth is emerging. Countries in South America are becoming more attractive as local economies mature and consumers begin the transition from traditional payment instruments to e-payment methods. Similar to other regions around the world that contain a number of developing countries, South America is home to large numbers of unbanked and underbanked consumers. For the most part these consumers operate outside of the electronic payments ecosystem and subsequently miss out on the inherent benefits that electronic payments can bring to the local economy,” comments Tristan Hugo-Webb, Associate Director, International Advisory Service at Mercator Advisory Group and the primary author of the report.

Highlights of the report include:

  • Overview of account and debit and credit card penetration across the majority of South American countries
  • An examination of the different channels being employed to help accelerate the processes of bringing millions of unbanked consumers into the payments mainstream

One of the exhibits included in this report:

              Note: Debit card ownership data is not available on Guyana, Suriname and Guyane.
                 It is likely that the debit card ownership is very low in these countries.

Source: Mercator Advisory Group estimates based on World bank historical data.

This report contains 26 pages and 13 exhibits.

Companies mentioned in this report include: Azteca, Banco BBVA, Banco Bradesco, Caixa Econômica Federal, Claro, MasterCard, Novo Payment, Oi Carteira, Pagtel, Rapiplata, Ria Financial Services, Scotiabank, Vivo, Wanda, Yellow Pepper.

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