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金融商品の設計:デビットとプリペイドの違いとは?

A Rose by Any Other NameA Rose by Any Other Name: What's the Difference Between Debit and Prepaid?

発行 Mercator Advisory Group, Inc. 商品コード 436083
出版日 ページ情報 英文
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=107.36円で換算しております。
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金融商品の設計:デビットとプリペイドの違いとは? A Rose by Any Other NameA Rose by Any Other Name: What's the Difference Between Debit and Prepaid?
出版日: 2017年02月06日 ページ情報: 英文
概要

当レポートでは、金融サービスプロバイダーによる新たな金融商品の設計における重要検討事項のついて調査し、デビット口座およびプリペイド口座の違い、口座タイプの選択における重要検討事項、必要とされるマーケティング戦略、成功のためのバランスシート作成・比較の重要性、関連法規制の影響などをまとめています。

本調査のハイライト

  • 商品の成否を左右するデビット口座およびプリペイド口座の重要な違い
  • 口座タイプの選択において金融サービスプロバイダーが検討する重要事項の詳細
    • 対象顧客・経済性・インフラ・法規制
  • プリペイド&デビット口座の価値を潜在顧客に示すために必要なマーケティング
  • デビットおよびプリペイドの適切な選択における収益・費用の包括的バランスシート作成の重要性
  • プロバイダーの既存インフラでプリペイドまたはデビット口座を提供するための差別化ツールの比較の必要性
  • 各商品の成功に大きな影響を及ぼす可能性のある法規制
目次

Debit versus Prepaid: What account structure makes more sense for providers?

New research from Mercator Advisory Group shows payments providers how to select an account structure for deposit products. providers how to select an account structure for deposit products.

The new report titled ‘A Rose by Any Other Name: What's the Difference Between Debit and Prepaid? ’ presents an analysis of the factors that financial services providers need to consider when deciding on an account structure for new products. Recent industry developments have made debit and prepaid accounts seem a lot like each other. While there are some commonalities, significant differences remain that can lead to one account structure being superior to another depending on the goals of the product being designed.

Mercator Advisory Group's research report identifies key factors that need to be considered when designing a new product. The customer needs, economics, infrastructure, and regulations will all influence which type of account structure makes sense for a new product.

"Prepaid and debit accounts both offer advantages and disadvantages for financial services providers, so understanding the key decision points can lead product designers to the most profitable configuration, " Ben Jackson, director of Mercator Advisory Group's Prepaid Advisory Service, and coauthor of the report, comments.

Companies mentioned in the report include: Chase, ChexSystem, NetSpend, and TSYS.

Members of Mercator Advisory Group's Debit Advisory Service and Prepaid 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:

Highlights of the report include:

  • The important differences remaining between debit and prepaid account types that can make or break a product
  • Details of the key factors to be considered by financial services providers in choosing which account type of deposit/transaction account launch: the audience, economics, infrastructure, and regulations that apply to each account type
  • Marketing necessary to show the value of prepaid cards and debit accounts to their likely audiences.
  • The importance of developing a comprehensive balance sheet of the revenues and expenses of debit versus prepaid account types to make the right decision on which to launch.
  • The necessity of comparing the differing tools required to offer a prepaid card or a debit account with the providers' existing infrastructure
  • The regulations that will heavily influence heavily the success of each product
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