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米国のプリペイドカード、ギフトカード市場

Prepaid and Gift Cards in the U.S., 6th Edition

発行 Packaged Facts 商品コード 308446
出版日 ページ情報 英文 172 Pages
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米国のプリペイドカード、ギフトカード市場 Prepaid and Gift Cards in the U.S., 6th Edition
出版日: 2018年08月31日 ページ情報: 英文 172 Pages
概要

当レポートでは、米国のプリペイドカード、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。

エグゼクティブサマリー

市場規模と予測

  • 米国のプリペイドカード市場規模
  • 成長に関する注記
  • 政府系プリペイドカード
  • ギフトカード市場規模

プリペイドカードの利用動向

  • プリペイドカードの所有
  • 決済手段の利用と利用頻度
  • 補充可能な汎用 (GPR) プリペイドカードの主要ブランドの所有

補充可能なプリペイドカードの機能と利用根拠

  • 利用したプリペイドカードの機能
  • 補充可能なプリペイドカードを選択する/利用しない理由

補充可能なプリペイドカードの主な種類とブランド

  • 補充可能なプリペイドカードの利用パターン

プリペイドカードのコスト、利用方法、支出分析

  • 月間利用、支出、コストの概要

ギフトカードの購入と贈答

  • ギフトカードの購入:経時的な動向
  • ギフトカードの贈答
  • ギフトカードを他人に贈与
  • ギフトカードを自分に贈与
  • 雇用主からギフトカードを受け取る

ギフトカードの購入行動

  • ギフトカードの購入元

プリペイドカード、ギフトカードの販売業者・発行業者の戦略

  • Blackhawk Network, Inc.
  • BofI Holding, Inc.
  • The Bancorp Bank
  • Green Dot Corporation
  • First Data Corporation
  • FLEETCOR Technologies, Inc.
  • InComm Holdings, Inc.
  • MetaBank
  • Netspend

付録

目次
Product Code: LA15558264

Distinguished by a widening array of products, usage rationales, and end users, prepaid card purchase value growth is expected to outperform broader payments market growth, driven by product diversification, leveraging digital platforms, and improving usage rationales. Pushing beyond traditional underbanked and unbanked segments, general-purpose reloadable prepaid cards are increasingly positioned as accounts targeting those with digital-forward banking needs and as new products targeting growing but underserved niche markets. Gift cards are adapting to digital distribution while enhancing the gift card loyalty proposition (for user and retailer alike). Meanwhile, underlaying retailer mobile payment strategies, private-label reloadable prepaid cards are proliferating. But in a market defined by its diversity, payroll, healthcare, and rewards and incentives solutions are also contributing to growth.

Prepaid and Gift Cards in the U.S., 6th Edition covers trends shaping the prepaid card market. This Packaged Facts report provides industry participants with a wealth of insights to help them navigate this quickly changing and growing market. For the purposes of this report, prepaid cards consist of closed-loop and open-loop (general-purpose) prepaid cards, including consumer general-purpose reloadable, government-administered, payroll, healthcare, rewards and incentives, and gift cards. More specifically, the report:

  • Provides a market size and forecast for the prepaid card market, including general use (open-loop) and private label (closed-loop) prepaid cards, segmented by type. A separate market size is included for government-administered prepaid cards, by type, in addition to a gift card market size by retail segment, usage occasion, and demographic is also included.
  • Identifies and interprets key general-purpose prepaid card metrics, including cardholder usage costs, monthly spend, monthly purchase, ATM withdrawal, reload transactions, length of card ownership, and preferred reload method. The report also identifies the percentage of prepaid cardholders with direct deposit, and then assesses the degree that direct deposit, banked status, age and household income influences these above metrics.
  • Gauges (reloadable and non-reloadable) prepaid card and gift card usage trends during 2014-2018, breaking prepaid card usage down by card network, banked status, bill payment preferences, credit score, and mobile payment method.
  • Studies reasons for choosing general-purpose reloadable prepaid cards, including usage cost, financial management, money transfer preferences, credit and bank account substitution, breadth of acceptance, and reloading method. It also studies reasons for not choosing general-purpose reloadable prepaid cards.
  • Assesses prevalence of general-purpose reloadable prepaid card feature usage, including online and in-store purchases, money movement and payment methods, financial management features, and discounts and rewards.
  • Ranks general-purpose prepaid cards used and used most by card brand and card type.
  • Includes a gift card market size segmented by gift giving, self-gifting and employee receipt; by occasion; by store card retailer type; and by card network.
  • Assesses rationales for giving gift cards to others and to self, as well as reasons for receiving gift cards from employers.
  • Examines gift card purchasing source used and used most, decision-making related to in-store gift card purchases, gift card mobile/e-gift usage and behavior, and dollar share of gift card spending done online versus in-store.
  • Explores prepaid card marketer and issuer strategies, including Blackhawk Network, Bofl Holding, Inc., The Bancorp Bank, Green Dot Corporation, first Data Corporation, FLEETCOR Technologies, InComm Holdings, MetaBank, Netspend, and WEX Inc. Analysis includes competitive positioning, new product introductions, company innovations, and trended performance analysis. Heavy emphasis is placed on add-value proprietary estimates for load value, purchase value, and other metrics otherwise not published by these industry participants.
  • Explores a variety of prepaid card industry challenges and solutions, including regulatory issues, pricing and profit factors, broadening the target audience, product diversification, and digital innovation.

Table of Contents

Executive Summary

  • Report Scope
  • Report Summary
    • Market Size and Forecast
    • Prepaid Card Usage Trends
    • Reloadable Prepaid Card Feature and Usage Rationales
    • Top Reloadable Prepaid Card Types and Brands
    • Prepaid Card Cost, Usage Method & Spend Analysis
    • Gift Card Purchasing, Giving, and Receiving
    • Gift Card Purchasing Behavior
  • Prepaid and Gift Card Marketer & Issuer Strategies
    • Blackhawk Network, Inc.
    • BofI Holding, Inc.
    • The Bancorp Bank
    • Green Dot Corporation
    • First Data Corporation
    • FLEETCOR Technologies, Inc.
    • InComm Holdings, Inc.
    • MetaBank
    • Netspend

Market Size and Forecast

  • U.S. Prepaid Card Market Size
    • Purchase Value at $304 Billion in 2017 and Forecast at $390 Billion for 2021
      • Table U.S. Prepaid Card Market Size, 2013-2017
      • Table U.S. Prepaid Card Market Forecast, 2017-2021
    • "Open-Loop" Prepaid Cards
      • Table U.S. Open-Loop Prepaid Card Market Size: By Type, 2013-2017
    • "Closed-Loop" Prepaid Cards
      • Table U.S. Closed-Loop Prepaid Card Market Size: By Type, 2013-2017
  • Notes on Growth
    • General-Purpose Reloadable Prepaid Cards
    • Gift Cards
    • Government Prepaid Cards
    • Healthcare
  • Government-Administered Prepaid Cards
    • Government Prepaid Card Purchase Value
      • Table Government Prepaid Card Purchase Value: Federal vs. State/Local, 2013-2017
    • Government General-Purpose Prepaid Card Market Size
      • Table Government General-Purpose Prepaid Card Purchase Value and Load Value: Federal vs. State/Local, 2013-2017
    • Government Prepaid Card Load Value Trends by Program
      • Table Government Prepaid Card Load Value: Federal vs. State/Local by Program, 2013-2017
    • Major Government Card Issuers
      • Table Federal Government Prepaid Card Purchase Value and Load Value, 2013-2017
      • Table Conduent Incorporated Prepaid Card Load Value by Program, 2017 (value in billions and percent share)
  • Gift Card Market Size
    • Table Gift Card Purchase Value: By Retail Segment and General-Purpose Network Brand, 2014-2018
      • Table Gift Card Purchase Value Share: By Retail Segment and General-Purpose Network Brand, 2014-2018
      • Table Per-Purchaser Gift Card Spending: By Retail Segment and General-Purpose Network Brand, 2014-2018
    • Market Size by Demographic
      • Table Gift Card Purchasers and Purchase Share: By HH Income, 2018
      • Table Gift Card Purchase Value Share: By Retail Segment, General-Purpose Network Brand, and Purchaser HH Income, 2018
      • Table Per-Purchaser Gift Card Spending: By Retail Segment/General-Purpose Network Brand, and by Purchaser HH Income, 2018
      • Table Gift Card Purchasers and Purchase Share: By Age Bracket, 2018
      • Table Gift Card Purchase Value and Value Share: By Retail Segment, General-Purpose Network Brand, and Purchaser Age Bracket, 2018
      • Table Gift Card Per-User Purchase Value: By Retail Segment/General-Purpose Network Brand and Purchaser Age, 2018

Prepaid Card Usage Trends

  • Prepaid Card Ownership
    • By Card Type and Over Time
      • Table Prepaid Card Ownership by Card Type, 2015-2017 (percent of adults)
    • Number of Prepaid Cards by Card Type, Over Time
      • Table Number of Prepaid Cards by Card Type, 2016 vs. 2017
    • General-Purpose Prepaid Card Usage Trends: 2014-2018
      • Table General-Purpose Prepaid Card Usage: By Reload Capability and Brand, 2014-2018
      • Table General-Purpose Reloadable and Non-Reloadable Prepaid Card Usage: By HH Income, 2014 vs. 2018
      • Table General-Purpose Reloadable and Non-Reloadable Prepaid Card Usage: By Age Bracket, 2014 vs. 2018
      • Table General-Purpose Prepaid Card Usage: By Brand, 2014 vs. 2018
  • Payment Instrument Usage and Usage Frequency
    • Payment Instrument Usage and Usage Frequency: GPR Prepaid Card Users vs. the Average Consumer
      • Table Number of Payments in a Typical Month by Payment Instrument: All Consumers vs. General-Purpose Reloadable Prepaid Card Users, 2017
    • Payment Instrument Usage and Usage Frequency: GPR Prepaid Card Users by Banked Status
      • Table Number of Payments Made in a Typical Month by Payment Instrument: General-Purpose Reloadable Prepaid Card Users by Banked Status, 2017
  • Ownership of Top GPR Prepaid Card Brands
    • Demographic Analysis
      • Table General-Purpose Reloadable Prepaid Card Usage: By Age Bracket and Card Brand, 2016-2017
      • Table General-Purpose Reloadable Prepaid Card Usage: By HH Income and Card Brand, 2016-2017
      • Table General-Purpose Reloadable Prepaid Card Usage: By Race/Ethnicity and Card Brand, 2016-2017
      • Table General-Purpose Reloadable Prepaid Card Usage: By Labor Status and Card Brand, 2016-2017
      • Table General-Purpose Reloadable Prepaid Card Usage: By Credit Score and Card Brand, 2016-2017
      • Table General-Purpose Reloadable Prepaid Card Usage: By Banked Status and Card Brand, 2016-2017
      • Table General-Purpose Reloadable Prepaid Card Usage: By Payment Instruments Used and Card Brand, 2016-2017

Reloadable Prepaid Card Feature and Usage Rationales

  • Prepaid Card Features Used
    • Table Reloadable Prepaid Card Features Used, 2018 (percent of adults)
    • Online and In-Store Purchases
      • Table Reloadable Prepaid Card Features Used: Online and In-Store Purchases by HH Income, 2018 (percent of adults)
    • Money Movement and Payment Methods
      • Table Reloadable Prepaid Card Features Used: Money Movement and Payment Methods by Gender and Age Bracket, 2018 (overall percentage and index by demographic)
      • Table Reloadable Prepaid Card Features Used: Transfer and Payment Rationales by Fully Banked Status and Household Income Bracket, 2018 (overall percentage and index by demographic)
    • Financial Management Features
      • Table Reloadable Prepaid Card Features Used: Financial Management and Mobile Features by Age Bracket and HH Income, 2018 (overall percent and index by demographic)
  • Reasons for Choosing or Not Using Reloadable Prepaid Cards
    • Acceptance and Easy Reloads Rank First in Card Selection
      • Table Important Reasons for Choosing a Prepaid Card, 2018 (scaled)
    • Reasons for Not Using Reloadable Prepaid Cards
      • Table Most Important Reasons for Not Using Reloadable Prepaid Cards, 2018 (percent of adults)

Top Reloadable Prepaid Card Types and Brands

  • Reloadable Prepaid Cards Usage Patterns
    • A Quarter of Reloadable Prepaid Cars Users Have Paypal
      • Table Top 15 Reloadable Prepaid Cards Brands/Types Used and Used Most, 2018 (percent of adults)
    • Prepaid Card Usage Segmentation
      • Table Reloadable Prepaid Cards Used by Card Type, 2018 (percent of adults)

Prepaid Card Cost, Usage Method & Spend Analysis

  • Overview of Monthly Usage, Spend, and Costs
    • Table Reloadable Prepaid Card Reload, ATM Withdrawal, Direct Deposit and Purchase Metrics, 2018
    • Influence of Direct Deposit
      • Table Prepaid Card Reload, Fee, Withdrawal, and Purchase Metrics: Direct Deposit vs. No Direct Deposit, 2018
    • Demographic Factors
      • Table Prepaid Card Reload, Fee, Withdrawal, Direct Deposit and Purchase Metrics: By Age Bracket, 2018
      • Table Prepaid Card Reload, Fee, Withdrawal, Direct Deposit and Purchase Metrics: By Household Income Bracket, 2018
      • Table Prepaid Card Reload, Fee, Withdrawal, Direct Deposit and Purchase Metrics: By Banked Status, 2018
    • Preferred Reload Methods
      • Table Prepaid Card Reloading Methods Usually Used, 2018 (percent of reloadable prepaid card users)

Gift Card Purchasing, Giving and Receiving

  • Gift Card Purchasers: Trends over Time
    • Gift Card Purchases in Past 12 Months by Category: 2014-2018
      • Table Gift Card Purchasers by Retail Segment and General-Purpose Network Brand, 2014-2018
    • Gift Card Purchases: Changes over Time by Demographic
      • Table Gift Card Purchasers by Age Bracket, 2018
      • Table Gift Card Purchasers: Change in Usage by Age Bracket, 2014 vs. 2018
      • Table Gift Card Purchasers by HH Income, 2018
      • Table Gift Card Purchasers: Change in Usage by HH Income, 2014 vs. 2018
  • Gift Card Giving and Receiving
    • Top Occasions by Dollar Value
      • Table Gift Card Expenditures by Occasion, 2018 (dollar share, giving to others by occasion, giving to self, and receiving from employer)
  • Gift Card Giving to Others
    • Top Store and General-Purpose Gift Cards Given by Type
      • Table Gift Cards Given to Others in the Last 12 months: By Retail Category, 2018 (percent)
      • Table Network-Branded Gift Cards Given to Others in the Last 12 Months: By Network, 2018 (percent)
    • Number of Cards Given
      • Table Number of Gift Cards Given to Others in Last 12 Months, 2018 (percent)
    • Reasons for Giving Gift Cards to Others
      • Table Reasons for Giving Gift Cards to Others, 2018 (percent)
  • Gift Card Giving to Self
    • Number of Cards Given
      • Table Number of Gift Cards Given to Self in Last 12 Months, 2018 (percent)
    • Reasons for Giving Gift Cards to Self
      • Table Reasons for Giving Gift Cards to Self, 2018 (percent)
      • Table Reasons for Giving Gift Cards to Self: By Age Bracket, 2018 (percent)
  • Receiving Gift Cards from Employers
    • Reasons & Occasions for Receiving Employer Gift Cards
      • Table Reasons/Occasions for Receiving Gift Cards from Employer, 2018 (percent)

Gift Card Purchasing Behavior

  • Gift Card Purchasing Sources
    • Sources Used and Used Most
      • Table Gift Card Distribution Source Used and Used Most, 2018
      • Table Gift Card Distribution Source Used Most: By Age Bracket, 2018
    • In-Store Gift Card Purchase Behavior
      • Table Purchasing Gift Cards In-Store from Shelf/Rack: Planning Process, 2018 (percent of adults)
    • Gift Card Mobile/E-Gift Use
      • Table Received Physical vs. Digital Gift Card; Saved Gift Card in Mobile Retailer App vs. Mobile Wallet, 2018
      • Table Received Physical vs. Digital Gift Card and Saved Gift Card in Mobile Retailer App vs. Mobile Wallet: By Age Bracket, 2018
    • Online Versus In-Store Gift Card Dollar Share
      • Table Gift Card Dollar Share: Online/E-Gift Cards vs. Physical Gift Cards, 2018

Prepaid and Gift Card Marketer & Issuer Strategies

  • Blackhawk Network, Inc.
    • $14 Billion Loaded in U.S.
    • Business Segments
      • Table Blackhawk Network Holdings: Operating Revenue by Business Segment, 2013-2017
      • Table Blackhawk Network Holdings: U.S. and Non-U.S. Operating Revenue by Business Segment, 2013-2017
    • Product Revenue Trends
      • Table Blackhawk Network Holdings: Revenue by Product Segment, 2013-2017
      • Table Blackhawk Network Holdings: Revenue Share by Product Segment, 2013-2017
      • Table Blackhawk Network Holdings: Retail Revenue Share by Product Segment, 2013-2017
    • Card Load Value Trends
      • Table Blackhawk Network Holdings: U.S. and Non-U.S. Prepaid Card Load Value by Business Segment, 2013-2017
    • Retail Distribution and Partnership Trends
      • Table Blackhawk Network Holdings: Retail Distribution Locations and Partners, Content Partners, and Incentives and Rewards Clients, U.S. and International, 2013-2017
    • U.S. Retail Segment: Distributor and Partner Revenue Contribution Trends
      • Table Blackhawk Network Holdings: Revenue and Revenue Share by Major Distributor, 2013-2017
      • Table Blackhawk Network Holdings: Apple Revenue and Revenue Share Contribution, 2013-2017
    • U.S. Retail: Gift Card Growth Outlook
    • Open-Loop Prepaid Card Growth Trends
      • Table Blackhawk Network Holdings: U.S. Open-Loop Prepaid Card and MetaBank Revenue and Revenue Share, 2013-2017
    • International Open-Loop Revenue
      • Table Blackhawk Network Holdings: Non-U.S. Open-Loop Product Revenue, 2013-2017
    • Incentives
    • Digital Innovation
      • Table Blackhawk Network Holdings: U.S. Digital Retail Transaction Dollar Value, 2013-2017
  • BofI Holding, Inc.
    • Varied Financial Services
      • Table BofI Holding, Inc. General-Purpose Reloadable Prepaid Card Program Brands, Managers, and Networks, 2018
    • Tax Positioning
      • Table H&R Block Emerald Card: Active Cards, Deposits, and Revenue, with Per-Card Metrics, 2012-2016
      • Table H&R Block Refund Transfer, Emerald Card, and Emerald Advance Revenue, 2014-2018
      • Table BofI Holding, Inc. Quarter-Ending Checking and Savings Deposits by Type, Q1 2016-Q1 2018
      • Table H&R Block Emerald Card, Refund Transfer, and Emerald Advance Revenue, 2014-2018
  • The Bancorp Bank
    • Regional Lender and Prepaid Card Leader
      • Table The Bancorp Bank General-Purpose Reloadable Prepaid Card Program Brands, Managers, and Networks, 2018
    • Performance Trends
      • Table The Bancorp: Active Cards, Card Spending Value, Prepaid Card Fees, Interchange, and Prepaid Card Deposits, 2013-2017
  • Green Dot Corporation
    • Largest Provider of Consumer General-Purpose Reloadable Prepaid
      • Table Green Dot General-Purpose Reloadable Prepaid Card Program Brands and Networks, 2018
    • Walmart: The Green Dot connection
      • Table Green Dot Operating Revenue and Revenue Attributable to Walmart, 2010-2017
    • Walmart MoneyCard
    • Key Card Trends
      • Table Green Dot Active Cards, Cash Transfers, Load Value, Purchase Value, GPR Deposits, and Tax Refunds Processed, 2013-2017
      • Table Green Dot Prepaid Cards, Cash Transfers, Load Value, Purchase Value and Tax Refunds Processed, 2013-2017
    • Per-Card Trends Suggest Increasing Engagement
      • Table Green Dot Prepaid Cards: Per-Card Revenue, Load Value, and Purchase Value, 2013-2017
    • Product Expansion and Innovation
      • Table Green Dot Prepaid Cards, Cash Transfers, Gross Dollar Value, Purchase Value and Tax Refunds Processed, 2013-2017
  • First Data Corporation
    • Top Merchant Acquirer, Issuer Processor, Independent Network Services Provider
    • Stored Value Network Business Segment
    • Gift Cards
    • Payroll Cards
  • FLEETCOR Technologies, Inc.
    • Varied Services and Client Bases
    • Gift Cards
    • Performance Trends
      • Table FLEETCOR Gift Cards: Transactions, Revenue per Transaction, and Net Revenue, 2015-2017
  • InComm Holdings, Inc.
    • Leading Prepaid Card and Transaction Processing Services Provider
    • Prepaid Card Initiatives
    • American Express Serve
    • Performance Trends
      • Table InComm Transaction Volume, 2010-2017
  • MetaBank
    • Regional Lender and Leading Prepaid Card Issuer
    • Card Brands and Segments
      • Table MetaBank General-Purpose Reloadable Prepaid Card Program Brands, Managers, and Networks, 2018
    • Tax Services Expansion
    • Performance Trends
      • Table MetaBank: Deposits, Card Fees, and Interchange Fees, 2013-2017
  • Netspend
    • Overview
    • Competitive Positioning
    • Card Brands
      • Table Netspend General-Purpose Reloadable Prepaid Card Programs: Brands, Issuers, and Networks, 2018
    • Retail Distribution
    • Product Innovation
    • Growth Forecast
    • Performance Trends
      • Table Netspend: Revenue and Per-Card Revenue by Revenue Stream, 2013-2017
      • Table Netspend: Active Cards and Load Value, with Direct Deposit Share, 2013-2017

Appendix

  • Methodology
    • Consumer Survey Methodology
    • Population Estimates
    • Prepaid Card Exemptions from Debit Card Interchange Limits
    • Abbreviations
      • Table Report Abbreviations, 2017
    • Terms and Definitions
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