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市場調査レポート

加盟店負担によるリワードプログラム:カード発行業者による再挑戦

Merchant-Funded Rewards: Issuers Regroup After Disappointment

発行 Mercator Advisory Group, Inc. 商品コード 316307
出版日 ページ情報 英文 21 Pages
納期: 即日から翌営業日
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本日の銀行送金レート: 1USD=101.32円で換算しております。
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加盟店負担によるリワードプログラム:カード発行業者による再挑戦 Merchant-Funded Rewards: Issuers Regroup After Disappointment
出版日: 2014年10月10日 ページ情報: 英文 21 Pages
概要

クレジットカード保有者に対する加盟店負担によるリワードプログラムは期待されたほどの成果をもたらしておらず、過去2年の経験は関係するすべての事業者にとって学びの期間となりました。

当レポートでは、加盟店負担によるリワードプログラムを再度見直し、レガシーモデルの評価と最新技術ソリューションによる新しいプログラムの検証、成果をもたらさなかった原因の解明、これらのプログラムによって金融機関が価値を得るための手段などを検証しています。

調査ハイライト

  • カード発行業者数社による加盟店負担のリワードプログラムの比較
  • カードと連携した商品のオファー:ベンダー環境のレビュー
  • 新規参入者が決済主導型の商品オファーモデルにもたらす混乱の分析
  • カードと連携した商品オファーによる米国消費者のクレジット利用額の推計・予測

本調査で取り上げる企業

  • Affinity Solutions
  • Ally Bank
  • American Express
  • Bank of America
  • Capital One
  • CardLinx
  • Cardlytics
  • Card Spring
  • Cartera Commerce
  • Coupons.com
  • Discover
  • Edo Interactive
  • Fifth Third
  • First Data
  • FreeMonee
  • Linkable Networks
  • Living Social
  • Lloyds
  • MasterCard
  • PNC
  • Regions
  • Truaxis
  • Twitter
目次

The market was buzzing with optimism in 2012 when Mercator Advisory Group last addressed the topic of merchant-funded rewards for credit card holders. Venture capital investment was abundant, and vendors of card-linked offer solutions were confident that their technology would quickly transform retailers' promotional strategies and credit card issuers' reward programs.

This year's market review finds that merchant-funded reward programs have not delivered the results many financial institutions had expected. The last two years have indeed been a learning experience for all parties involved in this emerging industry.

Mercator Advisory Group's most recent research report, Merchant-Funded Rewards: Issuers Regroup After Disappointment , reviews legacy models and emerging technology solutions for card-linked merchant-funded reward programs, diagnoses the causes of the industry's underwhelming performance, and explains how financial institutions can still get value from these programs.

"Payments and commerce are becoming more intertwined every day," comments Michael Misasi, senior analyst at Mercator Advisory Group and author of the report. "Card-linked offer programs combine elements of payments, digital advertising, rewards, and loyalty. Cross-industry collaboration will be crucial for financial institutions and payment services providers to realize the opportunity inherent in this emerging business."

This report contains 21 pages and 4 exhibits.

Companies mentioned in this report include : Affinity Solutions, Ally Bank, American Express, Bank of America, Capital One, CardLinx, Cardlytics, Card Spring, Cartera Commerce, Coupons.com, Discover, Edo Interactive, Fifth Third, First Data, FreeMonee, Linkable Networks, Living Social, Lloyds, MasterCard, PNC, Regions, Truaxis, Twitter

Members of Mercator Advisory Group's Credit Advisory Service and 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.

One of the exhibits included in this report:

image1

Highlights of this research report include:

  • A comparison of several issuers' merchant-funded reward programs
  • A review of the card-linked offer vendor landscape
  • An analysis of how new players might upset the transaction-driven offer model
  • Estimated and projected U.S. consumer credit volume driven by card-linked offers
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