米国のオープンループプリペイドカードの市場予測 (2020年～2024年)：第17版 (パート2)

当レポートでは、米国におけるオープンループ型プリペイドカードの市場動向について分析しており - パート2ではキャッシュアクセス (現金引き出し) 以外の用途に焦点を当てています -、全体的な市場規模の動向見通しや、セグメント別の詳細動向、規制・政策・技術の点での背景事情、その他の影響要因、特に新型コロナウイルス感染症 (COVID-19) 感染拡大による影響、主要企業のプロファイル、といった情報を取りまとめてお届けいたします。

当レポートの分析対象企業： Green Dot、Netspend、Monzo、Chime、Visa、Mastercard、Discover、AmericanExpressなど

本文中の図表より

分析概略

• オープンループ型プリペイドカード市場は、その用途により非常に細分化されていますが、大半のセグメントでは2019年まではある程度の成長率を達成していました。しかし一部のセグメントは、2020年第1四半期の終わりから新型コロナウイルス感染症 (COVID-19) 感染拡大の影響を受けて、停滞した状態に入っています。
• 米国のオープンループ型プリペイドカードの市場規模 (チャージ額) は、2024年までに4.1%増加して、合計4,662億米ドルに達する見通しです。一方で、(キャッシュアクセス以外の) 一部の分野では、新型コロナウイルス感染症 (COVID-19) 感染拡大により大きな打撃を受け、回復までに数年の時間を要すると見られています。
• 各州の公金支出手段としてのプリペイドカードの取り扱いは、州により大きく異なります。そしてこの問題自体が、プリペイドカードの発展を阻害する大きな外生的要因となっています。
• 総じて、オープンループ型プリペイドカードの市場動向は、全体的な景気動向と同様にCOVID-19の影響に大きく左右されている、といって過言ではありません。

COVID-19 impact reveals disparate effect on different prepaid segments.

Mercator Advisory Group's 17^th annual prepaid market forecast clocks some big hits - and some growth.

Mercator Advisory Group's most recent report, “ 17^th Annual U.S. Open-Loop Prepaid Cards Market Forecast 2020-2024, Part II’, reveals that some verticals in open-loop prepaid show the capacity for growth, while others, including Campus, show drastic, and likely secular decline.

The Mercator Advisory Group forecast is derived from market knowledge gained through research done by Mercator since 2004.

However, even this archive of more than a decade of historical data provides little guidance on the future of markets that are growing rapidly and facing disruptive technology and services as well as historic new regulatory constraints. These factors, combined with dependence on funding sources tightly coupled to the economy and consumer sentiment, mean that the prepaid market is volatile and variable from one segment to another.

Considering the robust 2019 economy and new regulations that started April 1, 2019, followed by the social and economic disruption of 2020's COVID-19 pandemic, the potential for dramatic shifts among prepaid card segments is readily apparent. Our findings for 2019, and our forecast for the future predict just this kind of volatility for some segments.

"Government funding is not necessary to the health of any given open-loop prepaid vertical, even if it doesn't hurt," said Theodore Iacobuzio, vice president and managing director Mercator's research division. "For example, Open-Loop Restricted Access Network loads show secular growth into the new decade's middle years."

This report is 25 pages long and contains 16 exhibits.

Companies mentioned in the survey results shown include: Green Dot, Netspend, Monzo, Chime, Visa, Mastercard, Discover and American Express.

One of the exhibits included in this report:

Highlights of this report include:

• This is the second part of Mercator's annual Prepaid Open-Loop Market Forecast, and covers all kinds of open loop cards except those in the Cash Access category, that were covered in part one.

• The open-loop prepaid market is highly segmented, as the industry develops different types of cards for different use cases, ranging from campus cards to in-store Restricted Access Network cards.

• Most of these segments showed some growth during 2019, owing to the strong economy in that year, though some segments were showing weakness that would be exacerbated by the arrival of the COVID-19 virus toward the end of the first quarter of 2020.

• While Mercator Advisory Group forecasts that growth in overall open loop prepaid loads in the United States at 4.1% through 2024, reaching a total of $466.2 billion, some segments, especially outside the Cash Access category, have suffered seriously under the impact of the virus and will take years to recover, if they recover at all.

• Government attitudes regarding prepaid cards as disbursal mechanisms for state funding vary, and in themselves represent exogenous events as serious as COVID-19 itself for the state of the business.

• It is safe to say that some categories of open loop prepaid cards will change in much the same way that the overall economy is going to change, and is currently changing, under the impact of the virus.