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市場調査レポート

米国小規模企業向けクレジットカード市場

Payment Cards and B2B Payments: Riding a Wave of Positivity

発行 Mercator Advisory Group, Inc. 商品コード 892534
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=109.52円で換算しております。
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米国小規模企業向けクレジットカード市場 Payment Cards and B2B Payments: Riding a Wave of Positivity
出版日: 2019年07月18日 ページ情報: 英文
概要

当レポートは、小規模企業の決済と銀行取引に関する3つのレポートの第1弾となるもので、2019年3月と4月に米国の小規模企業2,002社を対象に実施したオンライン調査の結果を基にしています。

主な内容:

  • 調査対象となった小規模企業は、さまざまな支払に事業用クレジットカードを使用していますが、最も使われることが多いのは、出張経費 (73%) と調達費 (64%) でした。
  • 調査対象となった小規模企業の多くは、低価格と良好なサービスを重視していますが、比較的規模の大きな企業は、より高度な機能を備えたカードを求めています。
  • 調査対象となった小規模企業のおよそ半数は、事業用クレジットカードの残債を月内に全額支払えないことが常時ある (24 %) あるいは時折ある (28%) と答えています。
  • カードを持つ従業員がそのカードの特典を受けられるようにしている小規模企業は、全体のおよそ5分の1 (22%) でした。
  • 調査対象となった小規模企業のおよそ4分の1 (26%) は、他の金融業者から融資を受けています。他の金融業者を選ぶ際の主な基準は、融資申し込みのしやすさ (43%) と融資実行までのスピード (32%) でした。
目次

U.S. small businesses have a positive outlook in 2019.

Mercator Advisory Group new survey research finds that U.S. small businesses foresee growth for their companies in revenue, profitability, and employment.

Mercator Advisory Group's new Insight Summary Report, ‘Payment Cards and B2B Payments: Riding a Wave of Positivity ’, reveals that U.S. small businesses are largely positive about the prospects for the future of their respective firms with regard to revenues, profitability, and employment. The report is the first of three from Mercator's annual Small Business Payments and Banking Survey Series, a part of Mercator's Primary Data Service. It is based on findings from Mercator Advisory Group's online survey of 2,002 U.S. small businesses fielded in March and April 2019.

The survey's charts show the primary payment methods used by type, and they reveal attitudes toward cash flow and line of credit. The findings include small businesses' criteria for choosing a new credit card for the business, which differ by size of firm and indicate the average number of cards held per company.

“Now is a good time for those who work with small businesses to approach them for new opportunities. Projections for revenue and profitability are fairly high. There are definitely opportunities for financial institutions and others to get involved with small businesses,” states the author of the report, Pete Reville, Director of Primary Data Services including Small Business Monitor Survey Series at Mercator Advisory Group.

Companies mentioned in the report include: American Express, Discover, Kabbage, Lending Club, Mastercard, OnDeck Capital, PayPal, Prosper, and Visa.

Highlights of this report include:

  • Small businesses use their business cards for many different payments, but they are most likely to use their business cards for T&E (73%) and Procurement (64%).
  • While all small business value lower pricing and good service, larger companies are looking for a more sophisticated set of card features.
  • About one-half of small businesses report that their business card balance is usually not (24%) or occasionally not (28%) paid in full each month.
  • Only about one-fifth (22%) of small businesses allow employees with cards to keep rewards earned on those cards.
  • About one quarter (26%) of small businesses have a loan with an alternative lender. Their primary criteria for choosing an alternative lender are ease of application (43%) and the speed with which they get their funding (32%).
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