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クレジットカードの取得:変化の渦中における成果の最大化

Credit Card Acquisitions: Maximizing Results amid Change

発行 Mercator Advisory Group, Inc. 商品コード 602338
出版日 ページ情報 英文 14 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=109.87円で換算しております。
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クレジットカードの取得:変化の渦中における成果の最大化 Credit Card Acquisitions: Maximizing Results amid Change
出版日: 2018年02月01日 ページ情報: 英文 14 Pages
概要

2017年における米国のクレジットカード新規発行数は6660万を記録したものの、解約数と相殺され、保有数全体の前年比増加分は全体で230万枚にとどまっています。

当レポートでは、米国におけるクレジットカードの解約率とデジタル経路による顧客獲得戦略について調査し、米国のカード保有者による解約率、新規発行総数の推移、カード取得経路・カード取得モデルの変化に関する分析、カード会社への実践的戦略に関する提言などをまとめています。

本調査のハイライト

  • 米国のカード保有者の解約率
  • 新規発行総数
  • 新規発行数:年別
  • 米国のカードの取得元
  • カード取得数の予測:経路別

掲載企業

  • Bank of America
  • BB&T
  • Capital One
  • Chase
  • Citi
  • Discover
  • FICO
  • First Data
  • FIS
  • Fiserv
  • Mastercard
  • PNC
  • SunTrust
  • TSYS
  • Visa
目次

New research report by Mercator Advisory Group examines the impact of account attrition and the shift in credit card acquisitions to the digital channel.

With U.S. credit card attrition rates at 15%, issuers need to book that amount just to keep interest-generating portfolios on par. The credit card acquisition function is the payments lifeblood, essential to grow the business and offset cardholder attrition. High customer attrition rates require credit card issuers to adapt to a changing market. They also must keep the credit card value proposition attractive to retain accounts.

Credit card issuers in the U.S. market booked 66.6 million new accounts in 2017, but the total volume of accounts grew by only 2.3 million because of account attrition. Mercator Advisory Group's latest research report, ‘Credit Card Acquisitions: Maximizing Results amid Change’, discusses the high volume of account attrition and the industry trend toward digital acquisitions, projects how the credit card acquisition model will shift through 2022, and recommends practical strategies for credit card issuers to adapt to a changing market.

“Issuers in the U.S. credit card industry should be urgently concerned,” commented Brian Riley, Director, Credit Advisory, at Mercator Advisory Group and author of the research note. “Issuers continue to open large volumes of new accounts. Since 2015, we have seen more than 60 million new accounts annually in the U.S. market, but total account growth occurs at a snail's pace. This means cardholders are leaving their issuers almost as quickly as issuers book new accounts. As can be observed from many issuers' loss numbers, accounts in the portfolios have not seasoned, so risk and delinquency are high. Also, these results show that the rewards model is flawed. Could it be that consumers have outfoxed the rewards incentive model? Have they outfoxed the issuers by shifting their loyalty to the best introductory offer? In a 2017 report, Mercator Advisory Group identified how the return on asset (ROA) metric for credit cards in the U.S. plummeted from 7.65% in 2006 to a projected 3.74% in 2017. One of the driving factors is net revenue per account, and attrition is an obvious component.”

This research report contains 14 pages and 6 exhibits.

Companies mentioned in this research report include: Bank of America, BB&T, Capital One, Chase, Citi, Discover, FICO, First Data, FIS, Fiserv, Mastercard, PNC, SunTrust, TSYS, and Visa.

One of the exhibits included in this report:

Highlights of the research note include:

  • U.S. cardholder attrition rates
  • Total numbers of new accounts
  • New account bookings by year
  • Sources of U.S. card acquisitions
  • Projected card acquisition volumes by channel through 2022
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