株式会社グローバルインフォメーション
TEL: 044-952-0102
表紙
市場調査レポート

米国のプリペイドカード市場(第7版)

Prepaid Cards in the U.S., 7th Edition

発行 Packaged Facts 商品コード 941819
出版日 ページ情報 英文 133 Pages
即納可能
価格
本日の銀行送金レート: 1USD=108.65円で換算しております。
米国のプリペイドカード市場(第7版) Prepaid Cards in the U.S., 7th Edition
出版日: 2020年06月11日 ページ情報: 英文 133 Pages
概要

米国のプリペイドカード市場は、2020年から2024年の間に年率6%の順調な成長率で成長すると予測されています。

当レポートは米国のプリペイドカード市場について調査しており、市場規模と予測、成長の機会や課題、市場の戦略および主要企業の動向等の情報を提供しています。

第1章 エグゼクティブサマリー

  • 調査範囲
  • レポートの要約
    • 市場規模と予測
  • 成長の機会
    • プリペイドカード産業へのコロナウイルスパンデミックの影響
    • アプリベースのデジタルバンキングがGPRプリペイド業界を脅かす
    • プリペイドカードの使用傾向
  • 汎用プリペイドカードの使用傾向:2014-2019
  • 汎用のリロード可能なプリペイドカードの使用:2014-2019
  • 汎用のリロードできないプリペイドカードの使用:2014-2019
  • 銀行口座、スマートフォン、バンキングアプリの使用分析
  • 汎用プリペイドカードブランドとカードネットワークブランドの使用
  • 汎用のリロード可能なプリペイドカード機能を使用
  • お金の動きと支払い機能:人口統計分析
  • 財務管理機能:人口統計分析
  • リロード可能なプリペイドカードを選択する理由
  • Axos Financial
  • The Bancorp, Inc.
  • Green Dot Corporation
  • MetaBank
  • Netspend

第2章 市場規模および予測

  • 米国のプリペイドカードの市場規模と予測
    • 2020年に3,770億米ドルに達する支払額
    • 2024年の支払額予測は4,753億米ドル
    • 「オープンループ」プリペイドカード市場規模:カードタイプ別
    • 「クローズドループ」プリペイドカード市場規模:カードタイプ別、など

第3章 課題と機会

  • プリペイドカード業界に対する新型コロナウイルス感染症の影響
  • アプリベースのデジタルバンキングによるGPRプリペイド産業への脅威
  • 潜在的かつ現実的な無料での使用可能
  • 貯蓄イノベーション
  • 見通し

第4章 プリペイドカードの使用動向

  • 一般的なプリペイドカードの使用動向:2014年~2019年
  • 一般的なリロード可能なプリペイドカードの使用:2014年~2019年
  • 一般的なリロード不可のプリペイドカードの使用:2014年~2019年
  • 一般的なプリペイドカードブランドとカードネットワークブランドの使用

第5章 汎用のリロード可能なプリペイドカードの機能と使用根拠

  • 汎用のリロード可能なプリペイドカード機能を使用
    • 財務管理機能:人口統計分析
    • 2020年のHH所得層別:機能利用
  • リロード可能なプリペイドカードを選択する理由
    • 受入れおよび手数料無料
    • カード利用に対する直接預金の影響

第6章 プリペイドカード市場と発行者の戦略

  • AXOS FINANCIAL
  • THE BANCORP, INC.
  • GREEN DOT CORPORATION
  • METABANK
  • NETSPEND

付録

  • 調査手法
    • 消費者調査の調査手法
    • 人口推計
    • プリペイドカードのデビットカード交換制限の免除
  • 略語
    • レポートの略語
  • 用語と定義
目次
Product Code: LA16121077

The COVID-19 pandemic is reshaping the prepaid card industry. As store closures hobble the mighty J-hook, and related trends push prepaid card users into the digital realm, these cash-loyal consumers find themselves choosing their card over cash and coins. And while short-term payment value pain hits most segments of the prepaid card market, long-term interchange fee revenue gains are in the making. Of course, card type and other growth factors helps shape the longer-term outcome: B2B prepaid cards, for example, continue their growth tear, while the proliferation of app-based prepaid digital accounts pressures consumer general-purpose reloadable prepaid card growth. Overall, Packaged Facts expects the prepaid card market to grow by a healthy 6% average annual rate from 2020 to 2024.

‘Prepaid Cards in the U.S., 7th Edition’, provides insight into significant near-term and longer-term factors shaping this varied and growing card segment.

More specifically, this report:

  • provides a market size and forecast for the prepaid card market, including trended payment value for general use (open-loop) and private label (closed-loop) prepaid cards, by card type, with related growth opportunity analysis
  • assesses in detail the effects of the COVID-19 pandemic on the prepaid card industry, including cash conversion, payment electronification, interchange, and deposits, as well as effects by card type
  • gauges (reloadable and non-reloadable) prepaid card use trends during 2014-2019, breaking prepaid card use down by card network; banked status; credit score; cash preference; and app and smartphone use
  • identifies top general-purpose prepaid card brand and card network brands, by demographic
  • studies reasons for choosing general-purpose reloadable prepaid cards, including use cost; overdraft fee avoidance and debt management; credit and bank account substitution; breadth of acceptance; and reloading method
  • explores prepaid card marketer and issuer strategies, including those of Axos Financial, The Bancorp Bank, Green Dot, MetaBank 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 load value, purchase value, and other metrics otherwise not published by these industry participants.
  • Thorough analysis of the app-based digital banking threat is also included.
  • 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

VIDEO DEMONSTRATION

TABLE OF CONTENTS

CHAPTER 1: EXECUTIVE SUMMARY

  • REPORT SCOPE
  • REPORT SUMMARY
    • Market Size and Forecast
  • Growth Opportunity
    • Coronavirus Pandemic Impact on the Prepaid Card Industry
    • App-Based Digital Banking Threatens GPR Prepaid Industry
    • Prepaid Card Use Trends
  • General-Purpose Prepaid Card Use Trends: 2014-2019
  • General-Purpose Reloadable Prepaid Card Use: 2014-2019
  • General-Purpose Non-Reloadable Prepaid Card Use: 2014-2019
  • Bank Account, Smartphone, and Banking App Use Analysis
  • General-Purpose Prepaid Card Brand and Card Network Brand Use
    • General-Purpose Reloadable Prepaid Card Feature and Use Rationales
  • General-Purpose Reloadable Prepaid Card Features Used
  • Money Movement and Payment Features: Demographic Analysis
  • Financial Management Features: Demographic Analysis
  • Reasons for Choosing Reloadable Prepaid Cards
    • Prepaid Card Marketer and Issuer Strategies
  • Axos Financial
  • The Bancorp, Inc.
  • Green Dot Corporation
  • MetaBank
  • Netspend

CHAPTER 2: MARKET SIZE AND FORECAST

  • U.S. PREPAID CARD MARKET SIZE AND FORECAST
    • Payment Value to Reach $377 Billion in 2020
      • Table 2-1 U.S. Prepaid Card Market Size, 2016-2020
    • 2024 Payment Value Forecasted at $475.3 billion
      • Table 2-2 U.S. Prepaid Card Market Size, 2016-2020
    • "Open-Loop" Prepaid Card Market Size, by Card Type
      • Table 2-3 U.S. Open-Loop Prepaid Card Market Size: By Type, 2016-2020
    • "Closed-Loop" Prepaid Card Market Size, by Card Type
      • Table 2-4 U.S. Closed-Loop Prepaid Card Market Size: By Type, 2016-2020
    • Sideways/Down: Consumer General-Purpose Reloadable Prepaid Cards
    • Near-Term Declines; Long-Term Incremental Growth: Gift Cards
    • Strong Near-Term/Incremental Long-Term Growth: Government Prepaid Cards
    • Moderate-to-Strong Growth: Healthcare Cards
    • Near-Term Declines; Moderate-to-Strong Growth: Payroll Cards
    • Strong Growth: B2B Payments

CHAPTER 3: CHALLENGES AND OPPORTUNITIES

  • CORONAVIRUS PANDEMIC IMPACT ON THE PREPAID CARD INDUSTRY
    • General-Purpose Prepaid Card Spend to Take Discretionary & Non-Discretionary Hit
    • Near- and Long-Term: Prepaid Cardholder Cash Preferences to Give Way
    • Data suggests prepaid card users still maintain stronger cash preferences
      • Table 3-1 Attitudes Toward Cash as Preferred Purchase Payment Method and Always Using Cash to Pay Bills, 2019 (general-purpose reloadable prepaid card vs. debit card vs. credit card users)
      • Table 3-2 Attitudes Toward Cash as Preferred Purchase Payment Method and Always Using Cash to Pay Bills: General-Purpose Reloadable Prepaid Card Users by HH Income Bracket, 2019
    • Near- and Long-Term: In-Store Purchases Pressured and Online Purchases Benefit
    • Near- and Long-Term: The J-Hook Takes a Gut Punch
    • Near- and Long-Term: Interchange Wins
    • Near-Term: Stimulus Bump
    • Near-Term Winner: Government Benefits Programs
    • Near-Term Loser: Payroll Cards
    • Near-Term Loser: Tax Refund Cards
  • APP-BASED DIGITAL BANKING THREATENS GPR PREPAID INDUSTRY
    • The Good: Prepaid Cards Adapt to Digital Banking World
    • The Spoiler? Fintech Marketers Undercut on Price and Deliver on Features
    • In Focus: Chime
  • Potentially and Realistically Free to Use
    • Table 3-3 Chime Account Fees, 2020
  • Savings Innovation
  • The Big Picture
    • The Consequences

CHAPTER 4: PREPAID CARD USE TRENDS

  • GENERAL-PURPOSE PREPAID CARD USE TRENDS: 2014-2019
    • Reloadable and Non-Reloadable Card Use Declines
      • Table 4-1 General-Purpose Prepaid Card Use, 2014-2019 (reloadable vs. non-reloadable)
    • Lower-Income Adults Remain a Sweet Spot
      • Table 4-2 General-Purpose Prepaid Card Use: By Age Bracket and HH Income Bracket, 2014-2019
    • Visa Leads Use but Mastercard Is Gaining Share
      • Table 4-3 General-Purpose Prepaid Card Use Share by Card Network, 2014-2019
  • GENERAL-PURPOSE RELOADABLE PREPAID CARD USE: 2014-2019
    • 18- to 34-Year-Olds as a Trouble Spot
      • Table 4-4 General-Purpose Reloadable Prepaid Card Use Share by Age Bracket and HH Income Bracket, 2014-2019
    • Declines Are an Industry Trend, not a Network-Specific One
      • Table 4-5 General-Purpose Reloadable Prepaid Card Use by Card Network, 2014-2019
  • GENERAL-PURPOSE NON-RELOADABLE PREPAID CARD USE: 2014-2019
    • Middle-Income Traction
      • Table 4-6 General-Purpose Non-Reloadable Prepaid Card Use: By Age Bracket and HH Income Bracket, 2014-2019
      • Table 4-7 General-Purpose Non-Reloadable Prepaid Card Use by Card Network, 2014-2019
    • Bank Account, Smartphone, and Banking App Use Analysis
      • Table 4-8 Bank Account, Smartphone, and Banking App Use: General-Purpose Reloadable Prepaid Card, Debit Card, and Credit Card Users (2014 vs. 2019)
  • GENERAL-PURPOSE PREPAID CARD BRAND AND CARD NETWORK BRAND USE
  • Overview
    • Table 4-9 General-Purpose Prepaid Card Use by Card Brand/Network, 2018
    • Demographic Analysis
      • Table 4-10 General-Purpose Prepaid Card Use by Card Brand/Network: By Age Bracket, 2018
      • Table 4-11 General-Purpose Prepaid Card Use: By HH Income Bracket and Card Brand/Network, 2018
      • Table 4-12 General-Purpose Prepaid Card Use by Card Brand/Network: By Credit Score, 2018
      • Table 4-13 General-Purpose Prepaid Card Use: by Banked Status and Card Brand/Network, 2018

CHAPTER 5: GENERAL-PURPOSE RELOADABLE PREPAID CARD FEATURE AND USE RATIONALES

  • GENERAL-PURPOSE RELOADABLE PREPAID CARD FEATURES USED
    • Table 5-1 General-Purpose Reloadable Prepaid Card Features Used, 2018 vs. 2020 (percent of adults)
    • Money Movement and Payment Features: Demographic Analysis
      • Table 5-2 General-Purpose Reloadable Prepaid Card Money Movement and Payment Features Used: By Age, 2020
      • Table 5-3 General-Purpose Reloadable Prepaid Card Money Movement and Payment Features Used: By HH Income Bracket, 2020
      • Table 5-4 General-Purpose Reloadable Prepaid Card Features Money Movement and Payment
    • Features Used: By HH Income Bracket, 2020 (18-34 years old vs. 35+ years old)
      • Financial Management Features: Demographic Analysis
        • Table 5-5 General-Purpose Reloadable Prepaid Card Financial Management Features Used: By Age Bracket, 2020
        • Table 5-6 General-Purpose Reloadable Prepaid Card Financial Management Features Used: By HH Income Bracket, 2020
        • Table 5-7 General-Purpose Reloadable Prepaid Card Financial Management Features Used: By HH Income Bracket, 2020 (18-34 years old vs. 35+ years old)
  • REASONS FOR CHOOSING RELOADABLE PREPAID CARDS
    • Acceptance and No Fees Rule the Roost
      • Table 5-8 Important Reasons for Choosing a Prepaid Card, 2018 vs. 2020
    • Influence of Direct Deposit on Card Use
      • Table 5-9 Prepaid Card Reload, Monthly Fee, Withdrawal, and Purchase Behavior, 2018 vs. 2020
      • Table 5-10 Prepaid Card Reload, Monthly Fee, Withdrawal, and Purchase Behavior: Direct Deposit vs No Direct Deposit, 2020
      • Table 5-11 Prepaid Card Reload, Monthly Fee, Withdrawal, and Purchase Behavior: By HH Income Bracket, 2020 (18-34 years old vs. 35+ years old)

CHAPTER 6: PREPAID CARD MARKETER & ISSUER STRATEGIES

  • AXOS FINANCIAL
    • Prepaid Card Programs
      • Table 6-1 Axos Financial: General-Purpose Reloadable Prepaid Card Program Brands, Managers, and Networks, 2020
    • The Tax Man Cometh: H&R Block Prepaid Emerald Card and Related Products
    • The Card Leverages Ancillary Products to Grow
      • Table 6-2 H&R Block Emerald Card: Active Cards, Deposits, and Revenue, with Per-Card Metrics, 2012-2016
    • H&R Block Revenue Trends Suggest Card Growth
      • Table 6-3 H&R Block Revenue: Total, Refund Transfer, Emerald Card, and Emerald Advance, 2014-2019
    • Deposits Trends Suggest Emerald Card Growth
    • But Cardholder Engagement Remains a Struggle
      • Table 6-4 Axos Financial, Inc. Prepaid Card Deposits: Q4 2015-2019 vs. Q1 2016-2020
    • Refund Advance Origination Trends Suggests Room to Grow
      • Table 6-5 Axos Financial, Inc. Prepaid Card Deposits: Q4 2015-2019 vs. Q1 2016-2020
    • H&R Block Relationship Strongly Impacts Deposits
      • Table 6-6 Axos Financial, Inc.: Number of Deposit Accounts by Type, 2013-2019
    • Prepaid Card Interchange Exemption Breach
  • THE BANCORP, INC.
    • Regional Lender and Prepaid Card Leader
    • Variety of Prepaid Card Programs, Program Managers, and Card Verticals
      • Table 6-7 The Bancorp Bank: General-Purpose Reloadable Prepaid Card Program Brands, Managers, Networks, and Card Types, 2020
    • But Non-Prepaid Debit Fintech Partnerships Drive Growth
      • Table 6-8 The Bancorp Bank: Non-Prepaid Debit Fintech Partnerships: By Name, Network Brand, and Launch Date, 2012-2020
    • And General-Purpose, Reloadable Cards Are Being Replaced
    • Healthcare a Bright Spot
    • Prepaid Card Deposits on the Rise
      • Table 6-9 The Bancorp: Average Q4 Total and Prepaid Card Deposits, 2016-2019
    • Real-Time ACH Growth
    • Performance Trends
      • Table 6-10 The Bancorp: Load Value and Selected Non-Interest Income Metrics, 2015-2019
    • Prepaid Card Growth Trends
  • GREEN DOT CORPORATION
    • Table 6-11 Green Dot Consumer Product Features and Platform Capabilities, 2020
    • Market Segments
    • Operating Segments
      • Table 6-12 Green Dot Operating Revenue by Segment, 2015-2019
    • Key Program Brands
      • Table 6-13 Green Dot General-Purpose Reloadable Prepaid Card Program Brands and Networks, 2020
      • Table 6-14 Green Dot General-Purpose Reloadable Prepaid Card Program Management-Only Brands and Networks, 2020
    • Key Relationship: Walmart
      • Table 6-15 Green Dot Operating Revenue and Revenue Attributable to Walmart, 2015-2019
    • The Walmart MoneyCard
      • Walmart MoneyCard: Nuts and Bolts
      • Savings, Budgeting, and Direct Deposit Features
        • Stimulus Grab
        • Key Competitive Threat: Low-Cost App-Based Digital Banking
        • Key New Product: Unlimited by Green Dot
        • Key Service: BaaS
          • Apple Cash
          • Uber
          • Intuit
          • Wealthfront
          • Stash
    • Key Performance Trends
      • Parsing Prepaid from Debit Is a Trickier Proposition
        • Table 6-16 Green Dot Active Cards, Cash Transfers, Load Value, Purchase Value, GPR Deposits, and
      • Tax Refunds Processed, 2013-2019
        • Table 6-17 Green Dot Active Cards, Cash Transfers, Load Value, Purchase Value, GPR Deposits, and
      • Tax Refunds Processed: Percentage Annual Growth, 2014-2019
    • Key Revenue Trends
      • Table 6-18 Green Dot Operating Revenue by Type, 2015-2019
    • Per-Card Revenue, Load Value, and Purchase Value Trends
      • Table 6-19 Green Dot: Per-Card Prepaid Card Analysis: Revenue by Type, Load Value, and Purchase Value, 2015-2019
    • COVID Crunch
  • METABANK
    • Card Brands and Segments
      • General-Purpose Reloadable Prepaid Card Programs
        • Table 6-20 MetaBank General-Purpose Reloadable Prepaid Card Program Brands, Managers, and Networks, 2020
      • Payroll Expansion
        • Table 6-21 MetaBank Payroll Card Program Brands, Managers, and Networks, 2020
      • Tax Services Expansion
        • Table 6-22 MetaBank Prepaid Card Program Brands, Managers, and Networks: By Card Type, 2020
        • Table 6-23 MetaBank: Refund Transfer Fee and Tax Advance Metrics, 2016-2019
    • Performance Trends
      • Table 6-24 MetaBank: Meta Payment Systems Deposit Analysis, 2015-2019
    • MPS Card Fee Income Stagnation and Decline
      • Table 6-25 MetaBank: MPS Non-Interest Income, Card Fee, Deposit Fee, and Interchange Analysis, 2016-2019
  • NETSPEND
    • Overview
    • Competitive Positioning
    • Card Brands
      • Table 6-26 Netspend Reloadable Prepaid Card Programs: Brands, Issuers, and Networks, and Card Types, 2020
    • Retail Distribution
    • Performance Trends
    • Revenue Stagnation and Active Card Declines
      • Table 6-27 Netspend: Revenue, Active Cards, and Per-Card Revenue: By Revenue Stream and Direct Deposit Use, 2014-2019
      • Table 6-28 Netspend Prepaid Card Load Value, 2014-2019
    • Debit Competition Affects Card Base and Masks Load Value Trends
      • Table 6-29 Netspend: Active Cards and Load Value with Direct Deposit Share, 2014-2019
    • Direct Deposit Remains King
      • Table 6-30 Netspend: Total and Per-Card Revenue and Load Value: By Card Direct Deposit Status, 2014-2019
    • COVID Crunch

APPENDIX

  • METHODOLOGY
    • Consumer Survey Methodology
    • Population Estimates
    • Prepaid Card Exemptions from Debit Card Interchange Limits
  • ABBREVIATIONS
    • Table Appendix-1: Report Abbreviations, 2020
  • TERMS AND DEFINITIONS
    • Bank account number payment
    • Banked status
    • Card issuer
    • Card network
    • Deduction from income
    • Demand deposit account (DDA)
    • Electronic funds transfer (EFT)
    • Interchange fee
    • Issuing bank
    • Merchant acquirer
    • Online banking bill payment
    • PIN-based/single-message transactions
    • Prepaid card
    • Processor
    • Program manager
    • Signature-based/dual-message transactions