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米国のプリペイド・ギフトカード市場

Prepaid and Gift Cards in the U.S., 5th Edition

発行 Packaged Facts 商品コード 308446
出版日 ページ情報 英文 174 Pages
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米国のプリペイド・ギフトカード市場 Prepaid and Gift Cards in the U.S., 5th Edition
出版日: 2016年09月19日 ページ情報: 英文 174 Pages
概要

当レポートでは、米国のプリペイド・ギフトカード市場について調査分析し、市場規模と予測、主な利用基準、利用動向、利用根拠、選択理由、ランキング、販売業者・発行業者の戦略、業界の課題など、体系的な情報を提供しています。

第1章 エグゼクティブサマリー

第2章 イントロダクションと概要

第3章 市場規模と予測

  • 米国のプリペイドカード市場規模と予測
  • 「オープンループ式」プリペイドカード
  • 「クローズドループ式」プリペイドカード
  • 政府系プリペイドカード
  • 政府系プリペイドカード市場規模
  • ComericaとU.S. Bankが政府系カードで優勢
  • 交換分析
  • ギフトカード
  • ギフトカード市場規模

第4章 課題と機会

  • 活況
  • 規制
  • CFPB
  • 対象者を拡大
  • 非正規雇用が多い労働市場を対象
  • 従業員報酬と奨励策、など

第5章 プリペイドカードの利用動向

  • 経時的な動向
  • 補充可能/補充不可能なプリペイドカードの利用
  • 補充可能な汎用プリペイドカードの利用
  • タイトルローンユーザー、スマートフォンユーザー、送金人
  • 信用度
  • 銀行口座状況、送金、モバイル支払方法、など

第6章 プリペイドカードの利用根拠

  • プリペイドカードの機能
  • オンライン・インストア購入
  • P2P、請求書の支払、小切手の振出
  • 割引と報奨金
  • 財務管理の機能
  • 資金調達、預金、振替方法、など

第7章 プリペイドカードブランド

  • プリペイドカードネットワークブランド
  • 人口統計分析
  • 銀行口座状況、その他のペイメントカード、信用度
  • プリペイドカード販売業者ブランド
  • プリペイドカード、最も利用者が多いプリペイドカード

第8章 プリペイドカードのコスト、利用方式、支出分析

  • イントロダクション
  • 月間利用、支出、コスト
  • カード利用、支出、コストに対する世帯所得の影響
  • カード利用、支出、コストに対する口座振込の影響

第9章 ギフトカードの利用と購入動向

  • ギフトカードの贈与
  • 主要機会:金額別
  • 主要贈与者:金額別
  • ギフトカード小売業者の区分分析
  • ギフトカードの利用根拠
  • ギフトカードの販売姿勢
  • 人口統計分析

第10章 プリペイドカードの販売業者・発行業者の戦略

付録

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目次
Product Code: LA5916750

Prepaid cards continue to expand their occasions for use, further penetrating existing market segments while pursuing new ones. While consumer general-purpose prepaid cards and open-loop gift cards continue to gather steam, they are just two of several card segments exhibiting positive growth momentum. While regulatory smoke may cloud the view, Packaged Facts expects prepaid market growth to handily outpace that registered by credit card and debit cards. The retail space, dominated by smaller bank issuers, provides room for pricing latitude; while payroll and government-administered cards allow national banks to flex their scale muscle. In aggregate, prepaid cards are helping cash-using consumer holdouts to transact electronically, even while demographics have broadened to include a higher proportion of banked users.

Prepaid and Gift Cards in the U.S. provides industry participants with a wealth of insights to help them navigate this quickly changing and growing market: The report:

  • Provides a market size and forecast for the prepaid card market, including trended purchase volume for general use (open-loop) and private label (closed-loop) prepaid cards, by type; a market size for government-administered prepaid cards, by type; and for gift cards, by occasion and retailer card type and by consumer vs. employee dollar value.
  • Identifies and interprets key prepaid usage metrics, including cardholder usage costs, monthly spend, monthly purchase, ATM withdrawal, and reload transactions, and length of card ownership. It also assesses the degree that direct deposit and HH income influences these above metrics.
  • Gauges (reloadable and non-reloadable) prepaid card and gift card usage trends during 2011-2016, breaking prepaid card usage down by card network; banked status; remittance, debit card and credit card use; cash and money order bill payment usage; bill payment preferences; credit score; and mobile payment method.
  • Assesses general-purpose reloadable prepaid card usage rationales across five categories: online and in-store purchases; P2P, bill payment and check writing; discounts and rewards; financial management features; and finding, deposit and transfer methods.
  • Studies reasons for choosing general-purpose reloadable prepaid cards, including usage cost; overdraft fee avoidance and debt management; credit and bank account substitution; breadth of acceptance; and reloading method.
  • Ranks general-purpose reloadable prepaid cards used and used most by card brand, segmented by direct deposit use; and prepaid cards by network brand, segmented by banked status and credit score.
  • Explores prepaid card marketer and issuer strategies, including American Express, Blackhawk Network, Bofl Holding, The Bancorp Bank, Green Dot, MetBank and NetSpend. Analysis includes competitive positioning, new product introductions, company innovations, and trended performance analysis. Heavy emphasis is placed on add-value proprietary estimates for gross dollar volume and other metrics otherwise not published by included industry participants.
  • Explores a variety of prepaid card industry challenges and solutions, including regulatory issues, pricing and profit factors, broadening the target audience, bank account competition, and fraud.

Table of Contents

Chapter 1: Executive Summary

  • Report Scope
  • Report Summary
  • Market Size and Forecast
  • Challenges & Opportunities
  • Prepaid Card Usage Trends
  • Prepaid Card Usage Rationales
  • Prepaid Card Brands
  • Prepaid Card Cost, Usage Method & Spend Analysis
  • Gift Card Usage and Purchasing Trends
  • Prepaid Card Marketers and Issuers
  • American Express
  • Blackhawk Network, Inc.
  • BofI Holding, Inc.
  • The Bancorp Bank
  • Green Dot
  • MetaBank
  • NetSpend

Chapter 2: Introduction and Overview

  • Market segmentation
  • Types of prepaid cards
  • Categorization according to use
  • Fees

Chapter 3: Market Size and Forecast

  • U.S. prepaid card market size and forecast
  • Table 3-1: U.S. Prepaid Card Market Size and Forecast, 2012-2018
  • “Open-loop” prepaid cards
  • Table 3-2: U.S. Open-Loop Prepaid Card Market Size and Forecast, by Type, 2012-2018
  • “Closed-loop” prepaid cards
  • Table 3-3: U.S. Closed-Loop Prepaid Card Market Size and Forecast, by Type, 2012-2018
  • Government-administered prepaid cards
  • Government prepaid card market size
  • !Unexpected End of Formula
  • Table 3-5: Government Benefit Payments Disbursed Via Prepaid Card: Federal vs. State/Local Programs, 2012-2015
  • Table 3-6: State Benefit Payments Programs Offering Prepaid Card Disbursement Option, 2014-2015
  • Table 3-7: Unemployment Insurance Prepaid Card Usage, by State, Issuer and Card Network, 2016
  • Comerica and U.S. Bank dominate government cards
  • Table 3-8: Comerica Incorporated: Government Prepaid Card Deposits, State vs. Federal, 2011-2016
  • Interchange analysis
  • Table 3-9: Government-Administered Prepaid Card Purchase Volume and Interchange Fees, 2012-2015
  • Gift cards
  • Gift card market size
  • Table 3-10: Spending on Gift Cards: Dollar Share: Giving to Others, by Occasion; Giving to Self; and Receiving from Employer, 2016

Chapter 4: Challenges and Opportunities

  • Be of good cheer
  • Don't let regulation make you blue
  • The CFPB is not the only game in town
  • Broadening the target audience
  • Targeting the gig economy
  • Employee rewards and incentives
  • The tax card cometh
  • Table 4-1: Tax Services and Prepaid Card Brands, 2016
  • Retention, retention, retention
  • Reloading with direct deposit: no longer as important to card retention?
  • Pricing and profit trends
  • Reduced pricing pressure
  • Rewards and incentives on the upswing
  • Cardholder financial management a win-win
  • Low-cost bank accounts a serious threat, but do they make money?
  • Fraud and loss

Chapter 5: Prepaid Card Usage Trends

  • Trends over time
  • Reloadable & non-reloadable prepaid card use: 2013-2016
  • Table 5-1: Percentage Use of General-Purpose Prepaid Cards: Reloadable and Non-Reloadable, 2013-2016
  • Table 5-2: Percentage Use of General-Purpose Prepaid Cards, by Card Network Brand, 2013-2016
  • Reloadable general-purpose prepaid card use: 2014-2016
  • Table 5-3: Percentage Use of Reloadable Prepaid Cards, by Gender, Age, HH Income and Race/Ethnicity: 2014 vs. 2016
  • Table 5-4: Percentage Use of Reloadable Prepaid Cards, by Banked Status, Bank Usage Status, Credit Card/Debit Card Users, Car Title Loan Users, Smartphone Users and Remitters: 2014 vs. 2016
  • Table 5-5: Percentage Use of Reloadable Prepaid Cards, by Cash and Money Order Bill Payment Preference: 2014 vs. 2016
  • Credit score
  • Table 5-6: Vantage Score Segmentation: Reloadable Prepaid Card Users and Non-Users, 2016
  • Banked status, remittance use and mobile payment methods
  • Fully banked, underbanked and unbanked
  • Table 5-7: Banked, Fully Banked, Underbanked and Unbanked: Reloadable Prepaid Card Users and Non-Users, by HH Income, 2015
  • Table 5-8: Reloadable Prepaid Card Users and Non-Users: Share of Banked, Fully Banked, Underbanked and Unbanked, by HH Income, 2015
  • Table 5-9: Banked, Fully Banked, Underbanked and Unbanked: Reloadable Prepaid Card Users and Non-Users, by Age, 2015
  • Table 5-10: Banked, Fully Banked, Underbanked and Unbanked: Reloadable Prepaid Card Users and Non-Users, by Race/Ethnicity, 2015
  • Remittances
  • Table 5-11: Remitters, by Reloadable Prepaid Card Use and Demographic, 2015
  • Mobile payment methods
  • Table 5-12: Mobile Payment Method, by Type: Reloadable Prepaid Card Users and Non-Users, 2016
  • Bill payment preferences
  • Table 5-13: Bill Payment Preferences, by Type: Reloadable Prepaid Card Users and Non-Users, 2016

Chapter 6: Prepaid Card Usage Rationales

  • Prepaid card features: usage and importance
  • Online and in-store purchases
  • Table 6-1: Reloadable General-Purpose Prepaid Card Features Used and Used Most: Online and In-Store Purchases, by HH Income, 2016
  • P2P, bill payment and check writing
  • Table 6-2: Reloadable General-Purpose Prepaid Features Used and Used Most: P2P, Bill Payment and Check Writing, by HH Income, 2016
  • Discounts and rewards
  • Table 6-3: Reloadable General-Purpose Prepaid Card Features Used and Used Most: Discounts and Rewards, by HH Income, 2016
  • Financial management features
  • Table 6-4: Reloadable General-Purpose Prepaid Card Features Used and Used Most: Financial Management Features, by HH Income, 2016
  • Funding, deposit and transfer methods
  • Table 6-5: Reloadable General-Purpose Card Features Used and Used Most: Funding, Deposit and Transfer Methods, by HH Income, 2016
  • Reasons for choosing prepaid cards
  • Costs associated with card of top importance when choosing card
  • Table 6-6: Reloadable General-Purpose Prepaid Card Users: Cost Factors Important to Choosing Card, by HH Income and Direct Deposit Status, 2016
  • Card usage factors
  • Table 6-7: Reloadable General-Purpose Prepaid Card Users: Usage Factors Important to Choosing Card, by HH Income and Direct Deposit Status, 2016
  • A substitute for a credit card? Yes. For a bank account? Not so much.
  • Table 6-8: Reloadable General-Purpose Prepaid Card Users: Importance of Credit Quality & Credit Card and Bank Account Substitute When Choosing Card, by HH Income and Direct Deposit Status, 2016

Chapter 7: Prepaid Card Brands

  • Prepaid card network brands
  • Table 7-1: Percentage Use of Prepaid Cards, by Card Network, 2013-2016
  • Demographic analysis
  • Table 7-2: Prepaid Card User Share, by Network Brand: Gender, Age, HH Income and Race/Ethnicity, 2016
  • Banked status, other payment cards and credit score
  • Table 7-3: Prepaid Card User Share, by Network Brand: Banked Status, Bank Usage Status, Credit Card/Debit Card Use and VantageScore Segment, 2016
  • Prepaid card marketer brands
  • Prepaid cards used and used most
  • Table 7-4: Reloadable Prepaid Cards: Use and Use Most, by Card Marketer, 2016
  • Table 7-5: Prepaid Cards: Use and Use Most, by HH Income and Card Marketer, 2016
  • Table 7-6: Prepaid Cards: Use Most, by Direct Deposit Status and Card Marketer, 2016

Chapter 8: Prepaid Card Cost, Usage Method & Spend Analysis

  • Introduction
  • Monthly usage, spend and costs
  • Table 8-1: Reloadable Prepaid Card Reload, ATM Withdrawal, Direct Deposit and Purchase Metrics, 2016
  • Effect of HH income on card usage, spend and costs
  • Table 8-2: Reloadable Prepaid Card Reload, ATM Withdrawal, Direct Deposit and Purchase Metrics, by HH Income, 2016
  • Effect of direct deposit on card usage, spend and costs
  • Table 8-3: Reloadable Prepaid Card Reload, ATM Withdrawal, Direct Deposit and Purchase Metrics, by Direct Deposit Status, 2016

Chapter 9: Gift Card Usage and Purchasing Trends

  • Gift card giving
  • Top occasions, by dollar value
  • Table 9-1: Spending on Gift Cards: Dollar Share: Giving to Others, by Occasion; Giving to Self; and Receiving from Employer, 2016
  • Top givers, by dollar value
  • Table 9-2: Spending on Gift Cards for Others: Dollar Share, by Demographic, 2016
  • Table 9-3: Spending on Gift Cards for Self: Dollar Share, by Demographic, 2016
  • Gift card retailer segmentation analysis
  • Table 9-4: U.S. Adult Gift Card Purchases: Percent Purchasing, by Retail Segment & Card Brand, 2011-2016
  • Table 9-5: U.S. Adult Gift Card Purchases: Dollar Value, by Retail Segment & Card Brand, 2011-2016
  • Table 9-6: U.S. Adult Gift Card Purchases: Per-Person Dollar Value, by Retail Segment & Card Brand, 2011-2016
  • Gift Card Usage Rationales
  • Table 9-7: Rationales for Giving Gift Cards to Others, 2016
  • Gift Card Distribution Attitudes
  • Table 9-8: Gift Card Distribution, Redemption and Mobile Wallet and Payment Usage, 2016113
  • Demographic analysis
  • Table 9-9: Gift Card Distribution, Redemption and Mobile Wallet and Payment Usage, by Gender, Age and HH Income, 2016

Chapter 10: Prepaid Card Marketer & Issuer Strategies

  • American Express
  • Success and accomplishments
  • Change of tack
  • Table 10-1: American Express: Travelers Check and Prepaid Product Metrics, 2011-2015
  • Blackhawk Network, Inc.
  • Retail products
  • Retail distribution
  • Table 10-2: Blackhawk Network Holdings: Retail Distribution Locations, Retail Distribution Partners and Content Partners, U.S. and International, 2013-2015
  • Table 10-3: Blackhawk Network Holdings: Revenue by Major Distributor and Content Provider, 2012 vs. 2015
  • Digital innovation
  • Table 10-4: Blackhawk Network Holdings: Digital Share of Transaction Dollar Volume, 2012-2015
  • Bank and card network partners
  • Table 10-5: Blackhawk Network Holdings: Revenue from Open-Loop Products and MetaBank, 2013-2015
  • Incentives segment
  • Table 10-6: Blackhawk Network Holdings: Incentives & Rewards Acquisition History ,2013-2016
  • Performance trends
  • Table 10-7: Blackhawk Network Holdings: Revenue by Segment, 2012-2015
  • Table 10-8: Blackhawk Network Holdings: Transaction Dollar Volume, Transactions and Average Value, by Segment, 2012-2015
  • Table 10-9: Blackhawk Network Holdings: U.S. Transaction Dollar Volume, by Segment and Product, 2012-2015
  • Table 10-10: Blackhawk Network Holdings: U.S. Revenue by Segment and Product Type, 2012-2015
  • Table 10-11: Blackhawk Network Holdings: U.S. Revenue Share by Segment and Product Type, 2012-2015
  • BofI Holding, Inc.
  • Prepaid cards
  • Tax refund cards are about more than just cards
  • Performance trends: H& R Block Emerald Card
  • Table 10-12: H& R Block Emerald Card and Refund Transfer Revenue; Emerald Advance Revenue and Balances, 2012-2016
  • Table 10-13: H& R Block Emerald Card: Per Card Deposits and Revenue, 2012-2016
  • The Bancorp Bank
  • Troubles in the rear view mirror?
  • Card programs
  • Table 10-14: The Bancorp: Prepaid Cards Issued, by Brand, Program Manager and Card Network, 2016
  • Performance trends
  • Table 10-15: The Bancorp: Active Cards, Gross Dollar Volume, and Gross Dollar Volume per Card, 2011-2015
  • Table 10-16: The Bancorp: Card- and Deposit-Related Income, by Type, 2011-2015
  • Table 10-17: The Bancorp: Per Card Prepaid Fees, 2011-2015
  • Green Dot
  • Competitive positioning
  • Table 10-18: Green Dot Inc. Product Introductions and Initiatives, 2013-2016
  • Product and services
  • Table 10-19: Green Dot Inc.: Prepaid Cards Issued, by Brand, 2016
  • Table 10-20: Green Dot Inc.: Product Revenue, by Segment, 2015
  • Retail distribution
  • Table 10-21: Green Dot Inc. Product Distribution Channels, 2016
  • Table 10-22: Walmart and Other Retailer Share of Green Dot Revenue, 2011-2015
  • Key card trends
  • Table 10-23: Green Dot Prepaid Card Trends: Active Cards, Reloads, Gross Dollar Value,
  • Purchase Value and Deposits, 2011-2015
  • Table 10-24: Green Dot Prepaid Trends Per Active Card: Reloads, Gross Dollar Value,
  • Purchase Value and Deposits, 2011-2015*
  • Table 10-25: Green Dot Direct Deposit as Percent of Gross Dollar Value, Q2 2014-2016
  • Table 10-26: Green Dot Direct Deposit as Percent of Active Cardholders, 2013, 2015 and 2016
  • Table 10-27: Green Dot Gross Dollar Value and Active Cards: Direct Deposit Share, Q1 2015vs. Q1 2016
  • Table 10-28: Green Dot Prepaid Trends: Average General-Purpose Reloadable Card Lifetime,2011-2015
  • Performance summary
  • Table 10-29: Green Dot Operating Revenue Trends: Card/Fee, Cash Transfer and Interchange,2011-2015
  • MetaBank
  • Table 10-30: Meta Financial: Acquisitions and Partnerships, 2015-2016
  • Performance trends
  • Table 10-31: MetaBank: Prepaid Cards Issued, by Brand, Program Manager and Card Network,2016
  • Table 10-32: MetaBank: Card Fees, Interchange Fees, and Prepaid Card Deposits and GDV,2011-2015
  • Table 10-33: MetaBank: Prepaid Card GDV, by Segment, 2011-2015
  • NetSpend
  • Competitive positioning
  • Table 10-34: Total System Services: Accounts on File, by Type, 2011-2015
  • Retail distribution
  • Table 10-35: NetSpend: Revenue Share, by Distribution Channel: 2011-2014
  • Card brands
  • Table 10-36: NetSpend Prepaid Card Programs, by Type, Issuer and Card Network, 2016
  • Performance trends
  • Table 10-37: NetSpend: Revenue, Active Cards, and Gross Dollar Volume, by Direct Deposit,2011-2015

Appendix

  • Consumer survey methodology
  • Market size methodology
  • Terms and definitions
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