表紙
市場調査レポート

カナダのプリペイド・ギフトカード市場

Prepaid and Gift Cards in Canada

発行 Packaged Facts 商品コード 310635
出版日 ページ情報 英文 100 Pages
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本日の銀行送金レート: 1USD=105.42円で換算しております。
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カナダのプリペイド・ギフトカード市場 Prepaid and Gift Cards in Canada
出版日: 2014年07月29日 ページ情報: 英文 100 Pages
概要

オープンループおよびクローズドループカード双方の成長に促進され、プリペイドカードはカナダ市場で好調を維持しています。取引額は2014年に15%以上増加すると予測されています。

当レポートでは、カナダにおけるプリペイドカード・ギフトカード市場の最新動向について分析し、市場規模の動向やその予測値、今後の市場機会と課題、利用頻度・利用額の動向と特徴、金融機関/サービスとの関連性、主要企業・ブランドの概要と事業戦略といった情報をお届けいたします。

第1章 エグゼクティブサマリー

第2章 規制概要

  • カナダのペイメントインフラ
  • ペイメント手段
  • カナダのペイメント法
  • ペイメントシステムレビューのタスクフォース
  • モバイルペイメントのアプリケーション
  • マーチャントのペイメント選択
  • CBAモバイルペイメントの規範モデル
  • クレジットとデビット料金の間の大きな相違
  • プリペイドカードを規制ミックスに加える、ほか

第3章 市場規模・予測

  • プリペイドカードペイメント・取引額:市場規模と予測
  • Canadian Payments Association(CPA)データの比較
  • クローズドループのプリペイドカード
  • ギフトカード、ほか

第4章 課題・機会

  • サマリー分析
  • アカウント
  • 若年者・成人低所得者の間の高い普及率
  • 小切手
  • 発行者主導のプロモーション、ほか

第5章 プリペイドカードのコスト・利用方法・支出額の分析

  • サマリー分析
  • 銀行口座への振り込み制度のプレゼンス
  • 銀行口座への振り込み制度:カードコスト・利用への影響
  • アクティブプリペイドカード利用者、ほか

第6章 プリペイドカードvs.デビットカードの消費者比較

  • サマリー分析
  • デビットカード利用者
  • プリペイドカード利用者、ほか

第7章 プリペイドカード利用者の状況

  • サマリー分析
  • 人口統計分析
  • クロスペイメント・当座預金口座の利用動向
  • プリペイド利用の課題
  • 非銀行利用者層の間で前進
  • 強い相関関係、ほか

第8章 プリペイドカード利用者とモバイルペイメント

  • サマリー分析
  • スマートフォンの利用傾向
  • 非銀行利用者層およびAFS利用者はスマートフォンが利用可能
  • プリペイドカード利用者によるモバイルペイメントの促進
  • モバイルP2Pおよび請求書の支払いの促進
  • モバイルPOSペイメントと同様、ほか

第9章 消費者向けギフトカードの購入傾向

  • サマリー分析
  • 過去12ヶ月間におけるギフトカードの贈答:機会・受取人別の分析
  • 主な機会:金額別
  • 主な受取人:金額別
  • ギフトカードの贈答機会・受取人の金額マトリックス、ほか

第10章 プリペイドカードブランドの分析

  • サマリー分析
  • プリペイドカードブランドの分析
  • Desjardins
  • Citizens Bank/Vancity 、ほか

第11章 プリペイドカードの販売・発行企業の戦略

  • サマリー分析
  • カード事業者連合の戦略
  • MasterCard Canada
  • プリペイドカードブランド
  • カナダのペイメントにおけるパイのシェア
  • Visa Canada
  • Interac
  • 製品・サービス
  • ペイメントにおけるパイのシェア
  • 銀行系のカード発行会社
  • Citizens Bank/Vancity
  • DC Payments 、ほか

付録

目次
Product Code: LA5226184

Driven by both open-loop and closed-loop card growth, prepaid cards continue to gain traction in the Canadian marketplace: Packaged Facts expects transaction volume to rise more than 15% in 2014.

While new prepaid card regulations are now in force, it's only a matter of time before general-purpose reloadable prepaid card interchange rates garner more scrutiny. But with greater consumer transparency and with newer card programs offering more competitive pricing, we see robust growth for these cards in the near term. Maintaining high rates of growth will require expanding the target audience beyond the relatively narrow band of Canadian underbanked and unbanked consumers and convincing more mainstream consumers to part with their debit cards, especially 18-34s.

Packaged Facts' Prepaid and Gift Cards in Canada gives industry participants guidance for success in the Canadian prepaid card market.

Specifically, the report:

  • Addresses challenges and opportunities faced by the prepaid card industry, including regulatory trends, competition in the form of debit and bank accounts, and interchange potential.
  • Provides demographic analysis of the Canadian prepaid card user in the context of consumer debit card, credit card and checking account usage and cross-usage, as well as banked status (unbanked, banked, fully banked and underbanked).
  • Identifies and interprets key prepaid card metrics, including monthly cardholder usage costs; monthly spend; monthly purchase, ATM withdrawal, and reload transactions; length of card use and intended length of use. We also identify the percentage of prepaid cardholders with direct deposit, and then assess the degree that direct deposit influences these metrics.
  • Shares how consumers (including prepaid and debit card users) rank prepaid cards against debit cards with respect to competitive features such as card usage cost, ease of qualification, overdraft fee protection, spending control, breadth of card acceptance, and customer service.
  • Analyzes prepaid card users with respect to mobile payment trends, including smartphone penetration among the unbanked, mobile payment methods, mobile phone usage at point-of-sale, PayPal payments, and P2P methods.
  • Assesses a variety of general-purpose reloadable prepaid card brands: Nextwave Titanium+ Prepaid Visa; Iridium Prepaid MasterCard; CanaCash Financial Services PRIZM Prepaid VISA Card; Citizens Bank/Vancity Prepaid Card; opt+ Prepaid MasterCard; and the TD Go Card. Analysis is organized by the cost to buy, load, withdraw, spend, and share funds, as well as by customer service and balance inquiry costs, and by penalties.
  • Analyzes Canadian prepaid card marketer & issuer strategies, including those of card networks MasterCard, Visa and Interac and leading prepaid card issuers Peoples Trust Company, Vancouver City Savings Credit Union, DC Payments, and AllTrans Financial Services Credit Union Bank.
  • Provides a market size and forecast for Canadian open- and closed-loop prepaid cards. For context, we provide an overview of general-purpose reloadable prepaid card programs and a survey-derived gift card market size segmented according to sales by occasion and by recipient.

Table of Contents

Chapter 1: Executive Summary

  • Report Scope
  • Dollar figures in this report
  • Report Summary
  • Market size and forecast
  • Challenges & opportunities
  • Regulatory onus
  • Welcome to Society Banked
  • Promotional headroom
  • Prepaid card fee, usage method & spend analysis
  • Consumer comparison of prepaid card versus debit cards
  • Prepaid card users in context: debit, credit, checking and banked status
  • Prepaid card users and mobile payments
  • Consumer gift card usage trends
  • Prepaid card brand analysis
  • Prepaid card marketer & issuer strategies

Chapter 2: Regulatory Overview

  • Canadian payments infrastructure
  • Payment methods
  • Table 2-1: Canadian Payment Methods
  • Canadian payment laws
  • Payments industry undergoing significant change
  • The Task Force for the Payments System Review
  • Code of Conduct for the Credit and Debit Card Industry
  • Application to mobile payments
  • Merchant payment choice
  • Competing domestic debit applications
  • Principle of equal branding
  • Debit and credit comingling
  • CBA Mobile Payments Reference Model
  • Competition Bureau
  • Huge discrepancy between credit and debit fees
  • Challenging practices as anti-competitive
  • Competition Tribunal dismisses case against Visa and MasterCard
  • Commissioner of Competition remains watchful
  • Government picks up where Competition Tribunal leaves off
  • Adding prepaid cards to the regulatory mix

Chapter 3: Market Size and Forecast

  • Prepaid card payment and transaction volume: market size & forecast
  • Graph 3-1: Canadian Prepaid Card Transaction Value: Market Size and Forecast: 2013-2016
  • Prepaid card issuing banks help tell the story
  • Table 3-2: Credit and Debit Card Service Fees: Major Canadian Bank Prepaid Card Issuers, 2004-2013
  • Looking to the U.S.
  • Comparing to Canadian Payments Association data
  • General-purpose reloadable prepaid card programs
  • Table 3-3: Canadian General Purpose Reloadable Prepaid Cards, by Issuer, Network and Customer Segment, 2014
  • Closed-loop prepaid cards
  • Gift cards
  • Table 3-4: Dollar Value and Dollar Share of Canadian Gift Cards Given in Past 12 Months, by Gifting Occasion, 2014

Chapter 4: Challenges and Opportunities

  • Summary analysis
  • Regulatory hoops give card associations a workout
  • But no real prepaid bite . . . yet
  • Welcome to Society Banked
  • A financial inclusion leader-great news for Canadians; bad news for prepaid
  • Accounts
  • Debit cards
  • Credit cards
  • Table 4-1: Credit Cards, Debit Cards & Bank Account Usage: Top 10 Countries, 2011
  • High penetration rates among young and lower-income adults
  • Table 4-2: Percent of Canadian Adults with Credit Cards Debit Cards, and Accounts at Financial
  • Institutions, by Gender, Age and Income Quintile, 2011
  • Overcoming debit
  • Why would merchants give up debit?
  • Table 4-3: Visa & MasterCard Consumer Credit Interchange Rates, Interac Debit Cost per Transaction & American Express Card Fees: Canada, 2013
  • But prepaid offers bank issuers incentive
  • A merchant's dream . . .
  • . . . could become an issuer's dream
  • Just a small slice of the debit pie will do
  • Table 4-4: Canadian Merchant Fee Analysis: Interac Debit vs. Prepaid Cards, 2013
  • Checking
  • Amount of fees tied to type and breadth of services
  • Table 4-5: Royal Bank of Canada Checking Accounts: Target Audience, by Transaction Frequency, Card/ATM Use and Additional Service Interest, 2014
  • Wide differences in prices and breadth of services
  • Table 4-6: Royal Bank of Canada Checking Accounts, by Monthly Fee, Rebate Fee, Debits Included, Overdraft, ATM Fee Waiver, and Credit Card Fee Waiver, 2014
  • Rebates bring down costs
  • Table 4-7: Royal Bank of Canada Checking Account Rebates, by Account, 2014
  • But low-fee options galore
  • Table 4-8: Low-Cost Checking Accounts at Major Canadian Banks, by Bank, Eligibility, Monthly Fee and Included Transactions, 2014
  • Issuer-driven promotions

Chapter 5: Prepaid Card Fee, Usage Method & Spend Analysis

  • Summary analysis
  • Monthly costs and usage frequency
  • Table 5-1: Average Monthly Prepaid Card Costs; Length of Use & Intended Use; Times Used for Purchase, Withdrawal & Reload; and Spend, by Gender, Age and HH Income, 2014
  • Presence of direct deposit
  • Table 5-2: Share of Prepaid Card Users Linking Card to Direct Deposit & Length of Time Having Direct Deposit, by Gender, Age & HH Income, 2014
  • Direct deposit: influence on card costs and usage
  • Table 5-3: Average Monthly Prepaid Card Costs; Length of Use & Intended Use; Times Used for Purchase, Withdrawal & Reload; and Spend: Direct Deposit vs. No Direct Deposit, 2014
  • Active prepaid card users
  • Table 5-4: Share of Prepaid Card Users Using Card for Purchase, Withdrawal & Reload, by Gender, Age & HH Income, 2014

Chapter 6: Consumer Comparison of Prepaid Card versus Debit Cards

  • Summary analysis
  • Overdraft and spending control; qualification; and card costs draw strongest opinions
  • Debit card users versus prepaid card users
  • Table 6-1: Debit Card vs. Reloadable Prepaid Card Attribute Comparison: Mean Response Rate, by Debit and Prepaid Card Users, 2014
  • Wide swath of indecision
  • Graph 6-1: Debit Card vs. Reloadable Prepaid Card Attribute Comparison: Percentage Response Rate, by Debit and Prepaid Card Users, 2014
  • Debit card users
  • Table 6-2: Debit Card vs. Reloadable Prepaid Card Attribute Comparison: Mean Response Rate among Debit Card Users, by Gender, HH Income, Province & Population Density, 2014
  • Prepaid card users
  • Table 6-3: Debit Card vs. Reloadable Prepaid Card Attribute Comparison: Mean Response Rate among Prepaid Card Users, by Gender & HH Income, 2014

Chapter 7: Prepaid Card Users in Context: Debit, Credit, Checking and Banked Status

  • Summary analysis
  • Checking and payment cards
  • Checking and debit entrenchment
  • But prepaid cards have gained traction
  • Demographic analysis
  • Table 7-1: Checking Account, Debit Card, Credit Card, Gift Card and GPR Prepaid Card Usage Penetration, by Demographic, 2014
  • Cross-payment and checking account usage trends
  • Prepaid usage challenges
  • Table 7-2: Checking Account, Debit Card, Credit Card, Gift Card and GPR Prepaid Card Usage,Cross-Penetration, 2014
  • Making headway among underbanked
  • Banked, fully banked, underbanked and unbanked share of population
  • Table 7-3: Banked, Fully Banked, Underbanked and Unbanked Share of Population, by Demographic,2014
  • A strong correlation
  • Table 7-4: Prepaid Card Usage Penetration: Unbanked, Alternative Financial Services Users, Underbanked, Banked & Fully Banked, 2014

Chapter 8: Prepaid Card Users and Mobile Payments

  • Summary analysis
  • Smartphone usage trends
  • Who's got a smartphone?
  • Table 8-1: Percent of U.S. Adults Owning Mobile Phones & Smartphones, w/ Smartphone Share, by Demographic, 2012-2013
  • Unbanked and AFS users are smartphone enabled
  • Table 8-2: Percent of Adults That Have Mobile Phone & Smartphone: Unbanked, Alternative Financial Services Users, Underbanked, Banked & Fully Banked, 2014
  • Prepaid users driving mobile payments
  • Table 8-3: Mobile Payment in Last 12 Months & Monthly Payment Frequency: Prepaid Card Users vs. Non-Users, 2014
  • Driving mobile P2P and bill payment
  • Table 8-4: Mobile Payment Methods Used in Past 12 Months: Prepaid Card Users vs. Non-Users, 2014
  • As well as mobile POS payments
  • Table 8-5: Mobile Phone Usage at Point-of-Sale in Last 12 Months, by Payment Method: Prepaid Card Users vs. Non-Users, 2014
  • And internet payment methods
  • Table 8-6: PayPal Payments & P2P Methods Used in Last 12 Months: Prepaid Card Users vs. Non-Users, 2014

Chapter 9: Consumer Gift Card Usage Trends

  • Summary analysis
  • Gift card giving in the past 12 months, by occasion and recipient
  • Top occasions, by dollar value
  • Table 9-1: Dollar Value and Dollar Share of Canadian Gift Cards Given in Past 12 Months, by Gifting Occasion, 2014
  • Top recipients, by dollar value
  • Table 9-2: Dollar Value and Dollar Share of Canadian Gift Cards Given in Past 12 Months, by Gifting Recipient, 2014
  • Gift card occasion and recipient dollar value matrix
  • Table 9-3: Dollar Value and Dollar Share of Canadian Gift Cards Given in Past 12 Months, by Gifting Occasion and Recipient, 2014

Chapter 10: Prepaid Card Brand Analysis

  • Summary analysis
  • Prepaid card brand analysis
  • In summary . . .
  • Table 10-1: Canadian General-Purpose Reloadable Prepaid Card Fee Analysis: Five Leading Card Brands, 2014
  • Desjardins provide steep competition
  • TD Go Card shows promise
  • Table 10-2: TD Go Card Fee Analysis, 2014
  • Citizens Bank/Vancity
  • Table 10-3: Citizens Bank/Vancity Prepaid Card Fee Analysis, 2014
  • Table 10-4: Nextwave Titanium+ Prepaid Visa Fee Analysis, 2014
  • Table 10-5: Iridium Prepaid MasterCard Fee Analysis, 2014

Chapter 11: Prepaid Card Marketer & Issuer Strategies

  • Summary analysis
  • Card association strategies
  • Table 11-1: MasterCard Canada & Visa Canada Combined Card Value & Transactions, 2008-2013
  • MasterCard Canada
  • Targeted prepaid categories
  • Program management services
  • Oh, Canada! Onward and upward since 2008
  • Contactless leadership
  • Prepaid card brands
  • Table 11-2: MasterCard Canada General-Purpose Reloadable Prepaid Cards, by Brand Name, Bank Issuer and Customer Segment, 2014
  • Share of the Canadian payments pie
  • Table 11-3: MasterCard Canada Card Value and Transactions, 2008-2013
  • Visa Canada
  • A growing debit foothold
  • How much debit volume is Visa debit volume?
  • Prepaid card brands
  • Table 11-4: Visa Canada General-Purpose Reloadable Prepaid Cards, by Brand Name, Bank Issuer and Customer Segment, 2014
  • Share of the Canadian payments pie
  • Table 11-5: Visa Canada Card Value and Transactions, 2008-2013
  • Interac
  • Non-profit status a boon and a bane
  • Going corporate
  • Products and services
  • Interac Debit
  • Interac Flash
  • Interac Online
  • Interac e-Transfer
  • Low, low, low, low, low fees!
  • Share of the payments pie
  • Table 11-6: Interac Association: Transaction, User, Terminal, Merchant, and ABM Metrics, 2014-2013
  • Bank issuers
  • Peoples Trust
  • Table 11-7: Peoples Trust Canada General-Purpose Reloadable Prepaid Cards Issued, by Brand Name, Network Brand and Customer Segment, 2014
  • Table 11-8: Peoples Trust Canada Non-Interest Income: Credit/Debit Card Service Fees, 2004-2013
  • Citizens Bank/Vancity
  • Table 11-9: Citizens Bank of Canada General-Purpose Reloadable Prepaid Cards Issued, by Brand Name, Network Brand and Customer Segment, 2014
  • Table 11-10: AllTrans Financial Services Credit Union General-Purpose Reloadable Prepaid Cards Issued, by Brand Name, Network Brand and Customer Segment, 2014
  • Table 11-11: AllTrans Financial Services Credit Union Prepaid Debit Program Income, 2011-2013
  • DC Payments
  • Table 11-12: DC Bank General-Purpose Reloadable Prepaid Cards Issued, by Brand Name, Network Brand and Customer Segment, 2014

Appendix

  • Methodology
  • Consumer survey methodology
  • Packaged Facts Canadian Survey Demographics
  • Market size methodology
  • Report data sources
  • Report table interpretation
  • Color coding
  • Indexing
  • Dollar figures in this report
  • Terms and definitions
  • Unbanked, underbanked and related definitions
  • Prepaid cards versus debit cards
  • Other terms
  • Abbreviations
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