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デジタル経路の拡張と支払い受付け

Payment Acceptance as Digital Channels Expand

発行 Mercator Advisory Group, Inc. 商品コード 658724
出版日 ページ情報 英文 64 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=110.59円で換算しております。
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デジタル経路の拡張と支払い受付け Payment Acceptance as Digital Channels Expand
出版日: 2018年07月03日 ページ情報: 英文 64 Pages
概要

当レポートでは、米国の小規模事業者を対象に決済・バンキングサービスの利用について調査 (「2018 Small Business Payments and Banking Survey」) を行った結果から、現在の景況感、利用している支払い受け付けサービス、B2B決済サービス、ビジネスバンキングサービス、店舗および消費者による決済手段の好み、共通のペインポイント、サービスおよび料金に関する課題などをまとめています。

調査ハイライト

  • 米国の小規模事業者のもっとも一般的な販売経路:売上高別
  • もっとも一般的な決済手法:売上高別・新しい決済タイプの見込み
  • 店舗および消費者の決済の好み
  • 店舗向け各種サービスのタイプ:プロバイダータイプ別
  • 主要カード処理プロバイダーの切り替え率とその理由
  • オムニチャネル戦略の導入レベル
  • モバイル決済、店舗独自のギフトカード、他の新しい決済タイプの受け付け
  • 店舗の好みの決済タイプへの顧客の誘導率
  • 加盟店銀行/マーチャントバンクの利用レベル
  • もっとも一般的なペインポイント
  • サービスおよび料金に関する課題

掲載企業

  • American Express
  • Discover
  • Mastercard
  • PayPal
  • Square
  • Visa
目次

Mercator Advisory Group's most recent Insight Summary Report, Payment Acceptance as Digital Channels Expand, based on the company's annual Small Business Payments and Banking Survey conducted in 2018, reveals that 46% of U.S. small businesses that accept payment cards consider acquiring or merchant banks as their primary payment processing provider compared to 42% who consider any other third-party supplier (excluding Square or PayPal) to be a primary provider. Acquiring banks collectively are a clear leader compared to the next most common types of primary provider-a point-of-sale terminal provider (considered primary by 16% of respondents) and card processor such as First Data or Vantiv, now WorldPay (considered primary by 12%). But when the responses are aggregated, more card-accepting small businesses surveyed consider any type of third-party card processing provider (54%) to be primary than consider an acquiring/merchant bank to be their primary payment processing provider (42%), and more say so than last year.

The survey findings show that 1 in 5 small businesses that accept payment cards switched primary card processing providers within the previous two years. Lower cost was the primary reason for the switch, but better reporting, ease and speed of setup, and better service are the next most common reasons for those who switched providers.

Many third-party providers offer smaller merchants ancillary services they need aside from core processing services and many businesses are migrating to third-party providers for online and mobile services, often designed for their business verticals.

Payment Acceptance as Digital Channels Expand is the first of three reports summarizing the results of the 2018 Small Business Payments and Banking Survey, the third annual survey of small businesses fielded by Mercator Advisory Group. This was a web-based survey of 2,047 U.S. small businesses (between $500,000 and $10 million annual sales) regarding their use of payments and banking services.

The survey contained questions on current business sentiment, payment acceptance services, business-to-business (B2B) payments, and banking depository and loan services. Forthcoming companion reports summarize the survey's findings on business-to-business payments and business banking services.

"Small businesses are expanding their use of digital and mobile channels and are increasingly looking for best-of-breed solutions for their businesses that may extend beyond their merchant bank's capabilities as they try to compete with larger businesses for consumers' attention," notes the author of this report, Karen Augustine, Senior Manager, Primary Data Services at Mercator Advisory Group.

This report contains 64 pages (in slide format) and 34 exhibits.

Companies mentioned are: American Express, Discover, Mastercard, PayPal, Square, and Visa.

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Highlights of this Insight Summary Report include:

  • U.S. small businesses' most common sales channels by sales volume
  • The most common methods of payment accepted by sales volume and expectations to add new payment types
  • Merchants' vs. consumers' payment preferences
  • Types of merchant services used by type of provider
  • Rate of and reasons for switching primary card processing providers
  • Extent of adoption of omnichannel strategies
  • Acceptance of mobile payments, merchants' own gift cards, and other emerging payment types
  • Prevalence of "steering" of customers to merchants' preferred payment types
  • Extent of use of acquiring/merchant banks
  • Most common pain points
  • Service and pricing issues
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