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21世紀における米国のペイロールカードの進化

The Evolution of U.S. Payroll Cards in the 21st Century

発行 Mercator Advisory Group, Inc. 商品コード 907738
出版日 ページ情報 英文 19 Pages, 9 Exhibits
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=109.42円で換算しております。
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21世紀における米国のペイロールカードの進化 The Evolution of U.S. Payroll Cards in the 21st Century
出版日: 2019年08月19日 ページ情報: 英文 19 Pages, 9 Exhibits
概要

米国におけるプリペイドペイメントカードへの入金額は2017年の403億ドルから、2021年には509億ドルの規模に成長すると予測されています。

当レポートでは、米国のペイロールカードの市場を調査し、市場の発展の経緯と現況、市場規模 (入金額) の推移と予測、ペイロールカードユーザーのプロファイル、雇用者・被雇用者にとってのメリット、法規制とその影響、効果的なプログラム設計に向けた提言などをまとめています。

調査内容のハイライト

  • ペイロールカード:これまでの経緯・現況
  • 米国のプリペイドペイメントカードの入金額の安定的成長
  • ペイロールカードユーザープロファイル
    • 年齢層
    • 他のカードの保有状況
    • モバイル決済エクスペリエンス
  • ペイロールカード利用:雇用者・被雇用者にとってのメリット
  • プログラムに対する州・連邦政府の法規制:マイナスの影響の見通しと保護対象者
  • 効果的なペイロールカードプログラム設計に向けた提言

掲載企業の例

  • American Express
  • Careington International
  • Consumer Financial Protection Bureau (CFPB)
  • Discover
  • Federal Deposit Insurance Corporation (FDIC)
  • Mastercard
  • PayPerks
  • Visa
目次

Prepaid payroll cards are no longer just for the underbanked and unbanked.

New research from Mercator Advisory Group shows that the market for prepaid payroll cards now attracts high-income consumers.

Mercator Advisory Group's new research report titled The Evolution of U.S. Payroll Cards in the 21st Century provides an analysis of the payroll card market that includes its size and a forecast of its growth, an review of how the payroll product line has evolved, and a discussion of the stakeholders.

Mercator Advisory Group's forecast report identifies the demographics of payroll card users and explores survey data revealing that they are not as homogenous as they might seem. The report discusses the attributes that consumers desire in a payroll card as well as the attributes employers seek in a payroll card program. The report reviews some of the changes the payroll card market has undergone in the last several years as it evolves to meet the needs of its changing consumer base.

Additionally, the report looks at the ever-changing regulatory environment for payroll cards, which varies by state. While some controls are necessary, payroll programs face compliance risks at both the state and federal level that demand continual awareness of regulatory changes.

"The payroll card is a unique product 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. Persons with incomes exceeding $100,000 also find today's payroll cards appealing,” commented C. Sue Brown, Director of Mercator Advisory Group's Prepaid Advisory Service, and author of the report.

This research report has 19 pages and 9 exhibits.

Companies and other organizations mentioned in the report include: American Express, Careington International, Consumer Financial Protection Bureau (CFPB), Discover, Federal Deposit Insurance Corporation (FDIC), Mastercard, PayPerks, and Visa.

One of the exhibits included in this report:

Highlights of the report include:

  • History and current status of payroll cards
  • Loads in the Payroll segment of prepaid payment cards in the U.S. have grown steadily. In 2017, loads were $40.3 billion, and Mercator Advisory Group projects that loads will reach $50.9 billion in 2021.
  • 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
  • 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
  • Recommendations for design of successful payroll card programs
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