表紙:米国のプライベートラベルクレジットカード(第12版)
市場調査レポート
商品コード
1007809

米国のプライベートラベルクレジットカード(第12版)

Private Label Credit Cards in the U.S., 12th Edition

出版日: | 発行: Packaged Facts | ページ情報: 英文 123 Pages | 納期: 即納可能 即納可能とは

価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=115.20円
米国のプライベートラベルクレジットカード(第12版)
出版日: 2021年05月25日
発行: Packaged Facts
ページ情報: 英文 123 Pages
納期: 即納可能 即納可能とは
  • 全表示
  • 概要
  • 目次
概要

当レポートは、米国のプライベートラベルクレジットカードについて調査しており、クレジットカードプログラムの機能とメリットの分析、成長動向、今後の戦略、COVID-19が小売部門とプライベートラベルクレジットカード市場に与える影響などの情報を提供しています。

目次

エグゼクティブサマリー

  • レポートの範囲
    • レポートの調査手法
    • 市場実績のコンテキスト
    • 市場規模と成長
  • 主なプライベートラベルクレジットカード発行者
    • Alliance Data Systems
    • Capital One
    • Citi Retail Services
    • Synchrony Financial
    • TD Bank
    • Wells Fargo
  • プライベートラベルクレジットカードの消費者動向
    • 55%がプライベートラベルクレジットカードを持っている
    • ストアカードの使用状況と人口統計

市場規模と成長

  • 市場の背景
    • 小売業専用のクレジットカードが誕生
    • 小売業がクレジットカードのポートフォリオを金融サービス会社に売却
    • 大手小売業のメリット データとロイヤリティー
    • カード会員の主なメリット:購買力
  • 市場実績
    • 市場実績のコンテキスト
    • 市場規模と成長
  • 小売およびプライベートラベルクレジットカードの実績の成長要因
    • COVIDのエコノミー
    • 店舗販売のタンク、Eコマースの急増
    • 大型小売店にチャンスを与えたAmazonのつまずき
    • 破産を申請した問題のある小売業者
    • 一部の大型小売店は、大不況後に事業を再考しました
    • 2020年第4四半期の発行者の利用可能なクレジットの引き上げ
    • パンデミックによって加速されたBNPLの幅広い小売採用
    • PLCC登録からますます分離する小売業者のロイヤルティプログラム

主要プライベートラベルクレジットカード発行者のプロファイル

  • 主な課題
  • Alliance Data Systems
    • 概要
    • 市場の現実に対処するための企業全体の変化を強調しているAlliance Data
    • POS割賦ローン事業におけるADS
    • 事業戦略
    • 事業セグメント
    • 財務費用が収益を促進
    • 競合ポジショニング
    • 進化するクライアントベース
    • 重要な位置付け:プライマリマーケティング、ロイヤルティ、および決済サービスプロバイダー
    • その他の競争戦略
    • プライベートラベルクレジットカードパートナー
    • Williams-Sonoma
    • 他のパートナー
  • Capital One
    • 概要
    • Walmart
    • Kohl's
    • Neiman Marcus
    • Hudson's Bay Company
  • Citi Retail Services
    • 概要
    • 活動と買収
    • 主な4の小売パートナー
    • 他のパートナー
  • Synchrony Financial
    • 概要
    • リテールカード販売プラットフォーム
    • 決済ソリューション
    • CareCredit
    • 2021年以降の企業戦略
    • ローン、利子、および手数料の増加
    • 成長戦略
  • TD Bank
    • 概要
    • Nordstrom
    • Target
    • 他のパートナー
  • Wells Fargo
    • 概要
    • 6つのターンキーPLCCファイナンスソリューション
    • プライベートラベルカード事業の売却と保持の決定

各プライベートラベルクレジットカードとロイヤルティプログラムのプロファイル

  • American Eagle
    • 概要
    • Aerieブランド
    • 主要事業の優先順位と戦略
    • 本当の報酬であるロイヤリティ
    • 本当の報酬のためのアプリ
  • Forever 21
    • 概要
    • 店内チェックアウトでのアフターペイのBNPLサービス
  • Kohl's
    • 概要
    • パンデミックの年を乗り切るための忠実な顧客への依存
    • ターゲットを絞りパーソナライズされたコミュニケーションによる売上の拡大
    • Kohlのアプリ:親しみやすさは親しみやすさを生む販売
  • Macy's
    • 概要
    • キッチンシンクのマーケティング戦略
    • 顧客基盤
    • メディアネットワーク
    • 現在のガイダンス
    • リワードプログラム
    • チェーンの収益の30%を占めるトップティアの顧客
    • リワードプログラムを刷新し、カードを使わない顧客も対象に
    • Macyの最大のBNPLプロバイダーであるKlarnaへの出資
    • シンプルかつ豊富な機能を備えたMacy'sアプリ
    • マーケティングの視点
    • 新しいコンセプトで市場を埋め尽くす閉店後のMacy's
  • Neiman Marcus
    • 概要
    • InCircleロイヤルティプログラム
  • Nordstrom
    • 概要
  • Target
    • 概要
    • 人的資本と流通への投資によるパンデミックへの対応
    • RedCard以外の買い物客をマーケティングエンジンに呼び込むTargetサークル
  • Victoria's Secret
    • 概要
    • 2015年から2020年初頭にかけてのVictoria's Secretの市場シェア半減
    • 女性のセクシーさ、快適さ、フィット感に関するチェーン店の的外れな評価
    • Alliance Dataが、Victoria's SecretとPINKの非接触型ストアカードを発表
    • VSは急速に増加する報酬によるウォレットのシェアの追求
    • マーケティングの見解:VSとPINKの和解

プライベートラベルカードの使用動向

  • コンテキストでのプライベートラベルクレジットカード
    • 72%がクレジットカード所持
    • 55%がプライベートラベルクレジットカードを所持
    • プライベートラベルのカードサイコグラフィック
    • ストアカードの使用法
    • ストアカードユーザーの人口統計
    • 顧客ベースの各プライベートラベルクレジットカードの実績動向

付録

  • 用語と定義
目次
Product Code: LA16121075

This report covers the U.S. market for private-label credit cards (PLCCs), including store cards, with an emphasis on retail credit card program features and benefits analysis, retail card strategies, and growth trends. More specifically, the report:

  • Analyzes the impact of COVID-19 on the retail sector and the private-label credit card market.
  • Provides an analysis of large retailer strategies to innovate/stay above water during COVID-19's window of unprecedented stress on the retail economy.
  • Outlines the going-forward strategies of top private-label credit card issuers. Those issuers are Alliance Data Systems, Citi Retail Services, Capital One, Synchrony Financial Services, TD Bank, and Wells Fargo.
  • Conducts an in-depth analysis of seven private-label credit card programs from within the context of the retailer's loyalty program and its results. Program analysis of American Eagle, Forever 21, Kohl's, Macy's, Target, and Victoria's Secret are included. Each profile includes survey-based analysis of customer demographics.
  • Assesses consumer use of private-label credit cards segmented by retailer type, including the type of card they use most frequently, and which features and benefits would entice private-label credit cardholders to use this purchasing method more frequently.

Loans outstanding and purchase value estimates for the U.S. private-label credit card (PLCC) market are provided for 2019 and 2020, and loans outstanding and purchase value forecasts are provided for 2021-2022.

Report Methodology:

The information contained in this report was obtained from primary and secondary research. Primary research included a Packaged Facts February/March 2021 national consumer survey with a sample of 2,000 U.S. adults (age 18+), with the sample in aggregate being census representative on the primary demographic measures of age, gender, geographic region, race/ethnicity, and household income. The discussion of store card usage patterns and demographics also draws on Fall 2020 release MRI National Consumer Study data, with field dates through November 2020.

Market estimates draw on multiple sources, including:

  • company annual and quarterly filings
  • FDIC Reports of Condition and Income (also known as Call Report data)
  • credit card trusts (asset-backed securities backed by credit card loans held by financial institutions)
  • Federal Reserve data

Table of Contents

Executive Summary

  • Scope of Report
    • Report Methodology
    • Context for Market Performance
    • Market Size and Growth
      • Table: Receivables, Private-Label Credit Cards: Top Issuers, 2018-2020, with CAGR (in billions of dollars)
      • Table: Purchase Volume, Private-Label Credit Cards: Top Issuers, 2018-2020, with CAGR (in billions of dollars)
  • Top Private-Label Credit Card Issuers
    • Alliance Data Systems
    • Capital One
    • Citi Retail Services
    • Synchrony Financial
    • TD Bank
    • Wells Fargo
  • Private Label Credit Card Consumer Trends
    • 55% Have Private-Label Credit Cards
    • Store Card Usage and Demographics
      • Table: Credit Card Usage Rates by Type: Have in Own Name vs. Used in Last 12 Months, 2020 (percent of adults)

Market Size and Growth

  • Market Background
    • First Credit Cards Were Retailer-Specific
    • Retailers Sell Credit Card Portfolios to Financial Services Firms
    • Major Retailer Benefits: Data and Loyalty
    • Major Cardholder Benefit: Buying Power
  • Market Performance
    • Context for Market Performance
    • Market Size and Growth
      • Table: Receivables, Private-Label Credit Cards: Top Issuers, 2018-2020, with CAGR (in billions of dollars)
      • Table: Purchase Volume, Private-Label Credit Cards: Top Issuers, 2018-2020, with CAGR (in billions of dollars)
  • Drivers of Retail and Private-Label Credit Card Performance
    • The COVID Economy
    • Store Sales Tanked, E-Commerce Surged
    • Amazon Stumbles Gave Big Box Retailers an Opportunity
    • Troubled Retailers Filed for Bankruptcy
    • Some Big Box Retailers Reimagined Their Businesses After the Great Recession
    • In 4Q 2020, Issuers Pulled in Available Credit
    • Broad Retail Adoption of BNPL Accelerated by Pandemic
    • Retailers' Loyalty Programs Increasingly Separate from PLCC Enrollment

Profiles of Top Private-Label Credit Card Issuers

  • The Top Issuers
  • Alliance Data Systems
    • Overview
    • Alliance Data Stresses Corporation-wide Changes to Address Market Realities
    • ADS in POS Installment Loan Business
    • Business Strategy
      • Table: Alliance Data Systems Private-Label Credit Card Purchase Volume and Loan Receivables, 2018-2020 (in billions of dollars)
    • Operating Segments
      • Table: Alliance Data Systems: Revenue and Revenue Share by Operating Segment, 2018-2020 (in billions of dollars)
    • Finance Charges Drive Revenue
      • Table: Alliance Data Systems, Revenue and Revenue Share by Type, 2018-2020 (in millions of dollars)
    • Competitive Positioning
    • An Evolving Client Base
    • Key Positioning: Primary Marketing, Loyalty, and Payment Services Provider
    • Other Competitive Strategies
    • Private-Label Credit Card Partners
      • Table: Alliance Data Systems Top Five Retail Partners, by Domestic Sales, 2019-2020 (in billions of dollars)
    • Williams-Sonoma
    • Other Partners
  • Capital One
    • Overview
      • Table: Capital One Private-Label Credit Card Purchase Value and Loan Receivables, 2018-2020 (in billions of dollars)
    • Program Partners
    • Walmart
    • Kohl's
    • Neiman Marcus
    • Hudson's Bay Company
  • Citi Retail Services
    • Overview
    • Activity and Acquisitions
    • Top Four Retail Partners
      • Table: Citi Retail Services Top Four Retail Partners by U.S. Sales, 2018-2020 (in billions of dollars)
      • Table: Citi Retail Services Top Four Retail Partners by U.S. Sales, Private-Label Card Tender Share, and Purchase Value, 2018-2020 (in billions of dollars)
    • Other Partners
  • Synchrony Financial
    • Overview
      • Table: Key Synchrony Financial and Performance Metrics, 2019 and 2020 (in dollars)
    • Retail Card Sales Platforms
    • Payment Solutions
    • CareCredit
    • Corporate Strategies for 2021 and Beyond
      • Table: Synchrony Financial Private-Label Credit Card Purchase Value and Loan Receivables, 2019-2020 (in billions of dollars)
      • Table: Synchrony Financial Purchase Volume and Average Active Accounts: By Operating Segment, 2018-2020 (in billions of dollars)
    • Loan, Interest, and Fee Growth
      • Table: Synchrony Financial Interest and Fees on Loans, by Segment, 2018-2020 (in billions of dollars)
    • Growth Strategies
      • Table: Key Synchrony Retail Card Program Participants as of December 31, 2020 (length of relationship in years)
  • TD Bank
    • Overview
    • Nordstrom
    • Target
    • Other Partners
  • Wells Fargo
    • Overview
      • Table: Wells Fargo Services, Key Private-Label Card Metrics, 2018-2020
    • Six Turnkey PLCC Financing Solutions
    • Move to Sell, Decision to Retain Private-Label Card Segment

Profiles of Selected Private-Label Credit Card and Loyalty Programs

  • American Eagle
    • Overview
    • Aerie Brand
    • Key Business Priorities & Strategy
    • Loyalty Is Real Reward(ing)
    • The App for Real Rewards
  • Forever 21
    • Overview
    • Afterpay's BNPL Service at In-Store Checkout
  • Kohl's
    • Overview
    • Relying on Loyal Customers to Survive the Pandemic Year
    • Driving Sales through Targeted and Personalized Communications
    • The Kohl's App: Familiarity Breeds Familiarity. And Sales
  • Macy's
    • Overview
    • Kitchen Sink Marketing Strategy
    • Customer Base
      • Table: The Macy's Customer: Key Demographics, Spring 2020
    • Media Network
    • Current Guidance
    • Rewards Program
    • Top Tier Customers Represent 30% of the Chain's Revenues
    • Retooled Rewards Program Includes Non-Card Using Shoppers
    • Macy Invests in Klarna, the Largest BNPL Provider
    • Macy's App Is Both Simple and Richly Featured
    • The Marketing Angle
    • After Closing Stores, Macy's Tries New Concepts to Backfill Markets
  • Neiman Marcus
    • Overview
    • InCircle Loyalty Program
  • Nordstrom
    • Overview
      • Table: The Nordstrom Customer: Key Demographics, Spring 2020
  • Target
    • Overview
    • Investments in Human Capital and Distribution Made Target Pandemic Ready
      • Table: The Target Customer: Key Demographics, Spring 2020
    • Target Circle Brings Non-RedCard Shoppers Into Marketing Engine
  • Victoria's Secret
    • Overview
    • From 2015 to Early 2020, Victoria's Secret Market Share Fell by Half
    • Chain Misses the Mark on Female Sexy, Comfort and Fit
    • Alliance Data Introduces Contactless Store Cards for Victoria's Secret and PINK
    • VS Uses Rapidly Escalating Rewards to Pursue Share of Wallet
    • The Marketing Angle: Reconciling VS and PINK

Private Label Card Usage Trends

  • Private Label Credit Cards in Context
    • 72% Have Credit Cards
      • Table: Overall Credit Card Customer Base: Have in Own Name vs. Used in Last 12 Months, 2020 (percent and number of adults)
    • 55% Have Private-Label Credit Cards
      • Table: Private-Label Credit Card Use by Type: Have vs. Use in Last 30 Days, 2021 (percent of adults)
    • Private-Label Card Psychographics
      • Table: Selected Psychographics About Store Cards, 2021 (percent agreeing)
    • Store Card Usage
      • Table: Credit Card Usage Rates by Type: Have in Own Name vs. Used in Last 12 Months, 2020 (percent of adults)
      • Table: Credit Card Usage Rates by Type: Have in Own Name vs. Used in Last 12 Months, 2020 (number of adults in thousands)
    • Store Card User Demographics
      • Table: Credit Card User Demographics: Credit Cards Overall, Not Co-Branded Store Cards, and Co-Branded Store Cards Demographic, 2020 (percent of cardholders using card in last 12 months)
    • Historically Trended Customer Base for Selected Private-Label Store Cards
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Dillard's, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: JC Penny, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Macy's, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Nordstrom, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Sears, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Target, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Walmart, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Other, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)

Appendix

  • Terms and definitions