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市場調查報告書
英國信用卡產品設計
Product design in UK Plastic Cards - What can be learnt from Abroad?
| 出版商 |
Datamonitor |
| 出版日期 |
2007年11月 |
商品編碼 |
57944 |
| 內容資訊 |
英文 25 pages |
| 價格 |
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本報告已在2011年07月19日停止出版。
報告書調查分析世界各國發卡機構的動向、優惠方案、卡片功能、外觀，為英國發卡機構提供建議。全書內容綱要摘記如下：
概要
英國產品設計：可由他國學到的東西
- 前言
- 晶片基礎的優惠方案主導中東市場
- 晶片基礎的優惠方案比舊有方案擁有多處優勢
- Garanti Bank以晶片基礎紅利方案提供持卡者各種選項
- Mashreqbank的WOW!卡除了保持交易外，更禮遇持續採購
- 美國一連串的技術革新
- Citibank延長其他銀行產品的優惠方案，提供持卡者支付房屋貸款的優惠方案
- American Express在美國提供多種有意思的優惠計畫
- Bank of America開始合作銀行業務
- 英國發卡機構也可向歐洲其他國家學習
- 荷蘭Greencard減少持卡者的排碳量
- Allied Irish Bank(AIB)的「be」信用卡因應消費者的支出來改變APR
- 匈牙利的Raiffeisen Bank引進擁有提款卡與信用卡的新卡片
- 西班牙發卡機構將卡片的顏色與型態發揮到極限
- 總括
附錄
圖表
Abstract
Overview
Introduction
Part of the UK Plastic Cards 2007 series, this brief provides insight into
some of the most innovative value propositions from card issuers around the
world and examines how such products could be adapted by issuers in the UK.
The brief examines loyalty programs as well as other new developments in areas
such as card functionality and appearance.
Scope
- The brief looks at products in the US, Europe and the Middle East.
- Includes a detailed discussion on payment card loyalty, including
chip-based systems.
- Contains several examples of how issuers have used their cards to cross
sell other financial products.
- Includes a discussion on variable pricing strategies.
Report Highlights
Issuers in the Middle East and Turkey have some of the most advanced reward
programs in the world, often making use of the electronic chip on the card to
allow for instant redemption. Whilst this type of reward program has some
potential in the UK market, it has yet to be introduced.
In the US, several issuers have developed expertise in cross-selling other
financial products to their cardholders. Examples of this are an American
Express product that automatically opens a savings account for each
cardholder, and a Citibank product where cardholders receive rebates off their
mortgage payments.
UK issuers can also learn from their European counterparts. One of the most
interesting developments comes from a bank in Hungary which has issued a
payment card that acts as a credit card at POS terminals but a debit card at
the ATM.
Reasons to Purchase
- Find out what issuers are doing in other markets to attract and retain
cardholders.
- Understand innovative product designs across the areas of loyalty,
pricing, and product bundling.
- Discover how innovations in other markets could be applied in the UK.
Table of Contents
- Overview
- Table of Contents
- Table of figures
- Table of tables
- Product design in the UK - What can be learnt from abroad?
- Introduction
- Markets in the Middle East lead the way in chip-based loyalty programs
- Chip-based loyalty schemes offer several advantages over traditional
schemes
- Garanti Bank offers cardholders a range of options on its chip-based
bonus program
- The chip allows for instant redemption
- Garanti also has several non chip-based innovations
- Moreover, since the success of Bonus Card, Garanti Bank has since
launched a new and more innovative scheme
- Mashreqbank' s WOW! Card rewards repeat purchases rather than
transactional loyalty
- The chip allows Mashreqbank and its partners to reward transaction
frequency as well as value.
- Other data stored on the chip can help further the relationship
between the program and the partner
- The value offered to the retailer is considerable
- Cards & Payments Team view
- There have been a range of innovations in the US
- Citibank has extended its loyalty scheme to its other banking products
and has a loyalty program that helps to pay off cardholders' mortgages
- Citibank' s Home Rebate Card can help cardholders pay off their
mortgage early
- Cards & Payments Team view
- American Express has a range of interesting loyalty propositions in
the US
- The One Card encourages cardholders to save money and results in
more bank accounts at American Express Bank
- Cards & Payments Team view
- American Express also issues a series of cards tailored to
particular cities
- Cards and Payments Team view
- Bank of America launches affinity banking
- Cards & Payments Team view
- Issuers in the UK can also learn from their European counterparts
- In the Netherlands, Greencard offsets the cardholder' s carbon emissions
- Cards & Payments Team view
- Allied Irish Bank' s (AIB) ' be' credit card varies the APR according to
how much consumers spend
- AIB uses one pricing strategy to acquire and then two different
pricing strategies to retain customers
- Cards & Payments Team view
- Raiffeisen Bank in Hungary has introduced a new card that functions
both as a debit and credit card
- Such a functionality brings huge innovation on the part of
Raiffeisen Bank to the market
- Cards & Payments Team view
- In Spain, issuers have tried to make the most of colors and shapes
- Card appearance has been a focus for innovation
- Cards & Payments Team view
- Summary
- APPENDIX
- Definitions
- APACS
- Average transaction value
- Balances outstanding
- Charge card
- Credit card
- Debit card
- EMV
- Interchange
- OFT
- Methodology
- Primary research
- Secondary research
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
- List of Tables
- Table 1: Rates of tree replacement per type of expenditure on the
Greencard, 2006
- Table 2: Current relevant Datamonitor publications, 2007
- Table 3: Future relevant Datamonitor publications, 2007
- List of Figures
- Figure 1: The Garanti Bonus Card, 2007
- Figure 2: Garanti gives its partners access to detailed customer
information via a website
- Figure 3: Garanti Bank' s Flexi card allows customers to choose their
own interest rate and bonus scheme, December 2006
- Figure 4: Chips allow merchants to encourage repeat business
- Figure 5: Chips can bring together a range of offers to make a
compelling customer loyalty offering
- Figure 6: The Citibank Home Rebate Credit Card offers considerable
savings for home owners
- Figure 7: La Caixa has introduced a range of high profile novelty cards
- Figure 8: La Caixa has introduced mini visa cards
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