米国のプリペイドカード市場（第7版）

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

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., 7^th 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