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米国のペイロールカード市場:プロバイダーの両天秤策

Payroll Cards in the United States: A Balancing Act for Providers

発行 Mercator Advisory Group, Inc. 商品コード 353500
出版日 ページ情報 英文 21 pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=113.38円で換算しております。
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米国のペイロールカード市場:プロバイダーの両天秤策 Payroll Cards in the United States: A Balancing Act for Providers
出版日: 2016年03月03日 ページ情報: 英文 21 pages
概要

当レポートでは、米国のペイロールカード市場を調査し、ペイロールカードのバリューチェーン、カード利用者のプロファイル、市場規模、プロバイダーの各種タイプ、ステークホルダー、関連法規制と改正などの変化の状況などをまとめています。

本調査のハイライト

  • ペイロールカードの過去・現在の状況
  • 米国のオープンループプリペイドカード市場におけるペイロール部門の入金額の安定的成長
    • 外的干渉がなければ2018年まで継続的成長の見通し
  • ペイロールカードユーザーへのサーベイ結果
    • 年齢・他のカードタイプの所有動向・モバイル決済の経験
  • ペイロールカード利用の雇用者・被雇用者にとってのメリットに関するディスカッション
  • ペイロールプロバイダーの各種タイプの概要
    • 特定の産業に特化した専門事業者からペイロールカードを自社の汎用プリペイドカードポートフォリオの補完と考えるゼネラリスト事業者まで
  • ペイロールカードプログラムに関して州および連邦レベルで期待されている法案
    • ネガティブな結果となる見通し

調査対象企業

  • Careington International
  • Coca-Cola
  • Comdata
  • FSV Payment Systems
  • netSpend
  • PayPerks
  • STAR Systems
  • Visa
目次

Prepaid loads continue to grow as individual segments struggle

New research from Mercator Advisory Group explains the payroll card market and its stakeholders.

The report titled ‘Payroll Cards in the United States: A Balancing Act for Providers’ provides an analysis of the payroll card market that includes its size, descriptions of industry players, and discussions of the stakeholders.

Mercator Advisory Group's forecast report identifies demographics of payroll card users, and explores how they are not as homogenous as they might seem. Users include both the cardholders and the employers. The report includes the results of interviews with payroll card buyers to show what they look for when considering a payroll card program.

This report reviews providers who have carved out specific niches for themselves in the payroll market. While it does not include an exhaustive list of providers, it looks at players who have found market opportunities to show the ways in which providers can find their own way in the market and customers can find programs that fit their needs.

Additionally, the report looks at the ever-changing regulatory environment for payroll cards. While some controls are necessary, payroll programs face risks at both the state and federal level.

"The payroll card is a unique produce that can save its users money in a way that makes money for providers, which means that it can help a large number of people, including some of the most financially vulnerable" Ben Jackson, director of Mercator Advisory Group's Prepaid Advisory Service, and author of the report, comments.

This research report has 21 pages and 6 exhibits.

Companies mentioned in the report include: Careington International, Coca-Cola, Comdata, FSV Payment Systems, netSpend, PayPerks, STAR Systems, Visa.

One of the exhibits included in this report:

                     Source: Mercator Advisory Group.

Highlights of the report include:

  • History and current status of payroll cards
  • A chart showing the steady growth in loads in the Payroll segment of U.S. open-loop prepaid cards market, with growth forecasted to continue through 2018 unless it is derailed by outside interference
  • Mercator Advisory Group's survey findings on payroll card users, with breakdown by age, ownership of other card types, and mobile payment experience
  • Discussion of the benefits of payroll card use for employers and employees
  • Description of the various types payroll providers, which run the gamut from specialty providers focused on specific industries to generalists who use payroll to supplement their general purpose prepaid card portfolios
  • The likely negative consequences of anticipated regulation at both the state and federal level for payroll card programs and the people the regulations are intended to protect.
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