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市場調查報告書
英國塑膠卡片市場中競爭企業的市場佔有率及新發展
Competitor market shares and developments in the UK Plastic Card Market
| 出版商 |
Datamonitor |
| 出版日期 |
2009年08月 |
商品編碼 |
98779 |
| 內容資訊 |
英文 53 pages |
| 價格 |
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英國塑膠卡片市場中競爭企業的市場佔有率及新發展 是由出版商Datamonitor在2009年08月所出版的。
這份英文市場調查報告書包含53 pages 價格從美金2795起跳。
英國付款卡市場因為各發行業者採取不同的競爭策略而持續不斷變化。
本報告書內容包括：詳細的消費者資料、該市場中企業競爭的最新動態、市場佔有率訊息及重要的新發展分析等。內容綱要摘記如下：
概要
英國塑膠卡片市場中競爭企業的市場佔有率及新發展
- 目前信用卡發行數量最多的Lloyds Group
- Barclaycard維持了做為信用卡品牌的絕佳優勢
- 因為「正卡」而擁有最佳投資組合的Barclaycard
- 品牌別「標準」及「白金」卡數量顯現大型信用卡公司的大眾市場策略
- 利用度及優惠度取決於卡片功能
- 發行公司別的刷卡次數及金額大致與市場佔有率相符
- 儘管有很好的優惠，大部份的卡片利用度仍低
- 擁有最多未付餘額的Lloyds Group
- 一如預期，平均每張卡片的未付餘額最多的2家公司仍是Citigroup及MBNA
- 有設定付款優惠條件卡片的還款率明顯偏高
- 簽帳卡市場由主要大型零售銀行扮演發展龍頭的角色
- Barclays是主要帶動發展的公司，簽帳卡發行數量為990萬張
- 簽帳卡日常的利用率順利地提高
- 成為店內卡市場中第一大公司的Santander
- 預付卡雖有確實的成長實力，但仍屬利基市場
- 2009年起表現良好的Barclaycard、Tesco Personal Finance、Santander
- 為了提高卡片利用率而努力賦與刺激的Barclaycard
- 在轉型為銀行的同時順利成長的Tesco Personal Finance
- 在卡片市場中發展而侵蝕MBNA市佔率的Santander
- 卡片發行公司必須選擇多角化發展或是集中核心競爭力
附錄
圖表
Abstract
Introduction
The UK payment card market is dynamic and ever shifting, as issuers adopt
different strategies to compete. Featuring detailed consumer data for the very
first time, this brief provides up to the minute intelligence on how all of
the competitors in the UK market are performing, with granular market share
data and analysis of the key market developments.
Scope of this research
- Includes figures for all of the major UK credit issuers including number
of cards, frequency of use, transaction values,and balances outstanding.
- Features detailed consumer behaviour data at the card issuer level, from
Datamonitor' s proprietary Financial Services Consumer Insight survey
- This brief includes up to date information on changes within the private
label and prepaid cards markets.
- An analysis of the key developments in UK plastic cards is included, with
real world examples of the strategies being followed by the leading players.
Research and analysis highlights
Lloyd' s Group has now become the leading player in the UK credit card market
following its acquisition of HBOS. However Lloyd' s faces stiff competition
from more pro-active players such as Barclaycard and Tesco Personal Finance.
Consumer behaviour data shows that cards that incentivise consumer have higher
usage rates, particularly for day-to-day transactions. However these cards
also hold higher repayment levels, limiting their profitability for issuers.
While up to 50% of Barclaycard cardholders pay off their balance in full each
month, repayment rates range from 83% to 18% across different issuer brands.
With unemployment growing repayment levels are likely to drop in the near
term, with up to 6% of cardholders reporting they made no payments on their
balances outstanding in June 2009
Key reasons to purchase this research
- Stay ahead of the competition with up to date market data on all of the
major UK issuers in credit, debit, private label, and prepaid cards.
- Delve deeper into realworld cardholder behaviour and understand not just
what cards consumers have, but what they do with them.
- Move with the market by understanding what todays market leaders are
doing, and how others are adapting to a changing environment.
Table of Contents
OVERVIEW
- Catalyst
- Summary
- Methodology
COMPETITOR SHARES AND DEVELOPMENTS IN THE UK CARD MARKET
- Lloyds Group is now the largest credit card issuer by cards in issue
- Barclaycards remains by far the dominant credit card brand
- Barclaycard has the largest portfolio of ‘primary' cards
- The number of standard and premium cards by brand highlights the largest
issuers' mass market strategy
- Usage and primacy rates are driven by card features
- The number and value of transactions per issuer is broadly in line with
market share
- Usage rates are low for most cards despite high rates of primacy
- Lloyds Group has the highest value of balances outstanding
- Not surprisingly, Citigroup and MBNA continue to have the highest
balance per card on average
- Repayment rates are significantly higher for cards providing incentives
for transacting
- The debit card market is led by the major high street retail banks
- Barclays' leads the market, with 9.9 million debit cards in issue
- Debit is growing strongly in day to day use
- Santander now leads the private label card market
- Private label usage rates are likely to drop as a result of the recession
- Prepaid cards have strong growth potential, but are likely to remain niche
- Barclaycard, Tesco Personal Finance and Santander have performed strongly
in 2009
- Barclaycard is pushing forward in creating incentives for card usage
- Tesco Personal Finance is poised for strong growth as it moves to become
a bank
- Santander will expand in the cards market, to the detriment of MBNA
- Card issuers must choose between diversifying and refocusing on core
strengths
APPENDIX
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
TABLES
- Table: Consumer perceptions of the features on their credit card by brand
- Table: UK prepaid cards by number of cards in issue by brand and issuing
group
- Table: Prepaid transaction by type, frequency, value and average balance
per card per year
- Table: Current relevant publications, 2008 - 09
- Table: Future relevant publications, 2009
FIGURES
- Figure: Following the merger with HBOS, Lloyds now dominates the market
- Figure: The newly formed Lloyds Group is now the UK market leader with
22.3% of cards in issue in H1 09
- Figure: Barclaycard is the largest player by brand ahead of both Lloyds
TSB, and HBOS
- Figure: Barclaycard by far has the highest number of primary cards in the
market
- Figure: Tesco and John Lewis/Waitrose are the primary card for more than
75% of their customers
- Figure: 40% of Barclaycard' s cards in issue are premium branded
- Figure: There were 278 million transactions made on Barclaycard branded
credit cards in 2008, ahead of NatWest and Lloyds TSB branded products
- Figure: Transaction values follow a very similar pattern to transaction
numbers, with Barclaycard and NatWest leading the market in 2008
- Figure: Regardless of total transaction values, average spend per
transaction is highly variable
- Figure: Tesco and American Express have the highest proportion of cards
that are used all the time
- Figure: Lloyds Group now has the highest level of balances outstanding,
followed closely by MBNA
- Figure: Lloyds holds 21% of the market by balances outstanding but is
closely followed by MBNA at 20%
- Figure: Citigroup has the highest average balance per card, growing 30%
since June 2007
- Figure: Repayment rates are higher for cards with rewards and incentives,
with cardholder most likely to revolve on Virgin Money and MINT cards
- Figure: The number of debit cards in issue has increased in H1 2009
- Figure: The debit card market is evenly divided between the dominant big
leading banks
- Figure: POS makes up more than 70% of all debit transactions by volume
- Figure: POS accounts for 60% of all debit transactions by value
- Figure: Average spend levels are highly variable by issuer
- Figure: Santander is by far, the dominant issuing group of private label
cards as at H1 2009
- Figure: Debenhams is the leading brand for private label store cards
- Figure: The private label sector is fragmented, with Debenhams leading
with a 17% market share
- Figure: The overall number of cancelled private label cards in the UK
market is high
- Figure: With the highest brand awareness, Virgin and PayPal lead the
prepaid cards market
- Figure: The prepaid cards sector is dominated by four issuers accounting
for 75% of the market
- Figure: POS dominates prepaid card usage, with £5.5 billion of POS
transactions in 2008
- Figure: Barclaycard used viral marketing techniques as part of its campaign
- Figure: MyBarclaycard will offer users in-depth online card management
services
- Figure: Barclaycard is strengthening its branding with younger consumers
through strategic sponsorship
- Figure: The Santander rebranding of Abbey has begun in London
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