新舊的付款方式的英國消費者的意願調查報告

本報告提供英國的消費者目前針對各種各樣的商品和服務採用哪一種付款方式的調查以及未來的變化，各種付款卡等已經確立的付款方式，以及手機付款和非接觸式付款等預計今後將急速成長的付款方式，再加上線上付款和國內/海外匯款領域的消費者行動分析。以及消費者付款方式的決定性因素之一的第2項，也就是品牌忠誠度·計劃以及補償和支援政策調查。本報告提供廣泛領域的英國消費者的付款行動理解與選擇的理由，手機付款和其他未來付款方式的趨勢，為您概述為以下內容。

執行摘要

• 許多的消費者開始逐漸認識行動電話付款的未來性，目前還沒有成為熱潮，尤其是女性和老年人並沒有意願
• 隨著付款額變大，信用卡和簽帳卡使用更多
• 關於定期性的付款大多使用直接Visa金融卡，自動匯款，或銀行轉帳

第1章 簡介

• 這個調查報告的調查範圍及調查理由
• 關於Finaccord

第2章 付款方法的種類

• 序論
• 不定期購買的付款方式
  • 小額付款(15英鎊以下)
    • 現金付款最多
  • 中度金額付款(15∼50英鎊)
    • 中度金額的話以Visa金融卡，信用卡及簽帳卡使用最多
  • 高額付款(50英鎊以上)
    • 可收費的預付卡，不管在哪個分類中都不是最常使用的主要付款方式
  • 各年齡層的付款方法的偏好
• 定期付款的付款方式
  • 大多使用直接Visa金融卡，自動匯款，及銀行轉帳
  • 關於定期付款一般使用線上的付款設定

第3章 付款卡

• 流通的智慧卡
• 概要
• Visa金融卡
• 信用卡，簽帳卡，特定商店專用智慧卡
• 可收費的預付卡
• 智慧卡的使用頻率

第4章 品牌忠誠度方案

• 會員和使用率
• 點數獲得與退還系統

第5章 補償及支援服務

• 補償方案·支援政策的滲透率
• 服務價值的知名度

第6章 手機付款 / 非接觸式付款

• 非接觸式智慧卡
• 行動·銀行
• 手機付款

第7章 線上付款

• 簡介
• 線上付款的使用頻率

第8章 國內/海外匯款

• 概要
• 國內匯款
• 海外匯款
• 市場佔有率

第9章 附錄

附圖/附表

Payment Metrics: Consumer Attitudes towards and Usage of Traditional and Emerging Means of Payment in the UK is a study about the way in which consumers currently pay for different products and services and how this is likely to change in future. It covers both established payment means, including different types of payment card, and payment methods that seem set for rapid growth in future, most notably mobile and contactless payments. In addition, consumer behaviour is analysed in the fields of specialised online payments and domestic / international remittances, and the research also addresses two areas that are central to consumers' choice of payment means: loyalty programs; and insurance and assistance policies linked to added value accounts and payment cards. The report examines how consumers state that they are most likely to pay for small, medium-sized and large irregular purchases at present and also how they report paying for common services that require recurring payments (e.g. cable / satellite TV, electricity, gas or water bills, flat or house rental, travel season tickets etc.). In both cases, it quantifies usage of the following payment means: cash; cheques or postal orders; debit cards; credit or charge cards; rechargeable prepaid cards; and any other means (e.g. mobile or online payments not involving debit, credit or charge cards). Also, for regular payments, it takes into consideration direct debits, standing orders and bank transfers, and distinguishes between rechargeable prepaid cards with multiple usage functions and those usable for one particular service only. You may be able to use this report in one or more of the following ways: - gain access to a complete ‘tool kit' for organisations with an interest in payments to understand the current behaviour of UK consumers in this huge and diverse sector; - know exactly which types of card are held most widely by consumers and which they report using most often - for example, how does frequency of usage of the many different types of affinity and co-branded card compare to that of regular cards and what differences in utilisation are visible when cards are analysed by function, brand, status and target? - appreciate the extent to which UK consumers are ready to embrace future opportunities to make payments using their mobile phone (and, possibly, other devices such as wristwatches); - understand the typical member profile of the UK's main loyalty programs and the extent to which each has engaged its members to actually make use of it; - evaluate which forms of insurance and assistance are most likely to enhance the appeal of payment products and which are most likely to be used by consumers in the form of claims or calls for assistance.

0.0 EXECUTIVE SUMMARY

• A fairly high proportion of respondents are aware of the potential to use mobile phones to make payments...
• ... although a majority are not currently favourable towards the concept...
• ... and lack of enthusiasm is especially apparent among female and older customers
• Credit or charge cards are used more frequently for payment as size of transaction increases
• For recurring transactions, one payment means is dominant in all but one purchase category
• Numerous organisations have a fundamental interest in the evolving consumer payments market

1.0 INTRODUCTION

• Scope and rationale
  • Consumers are changing the ways in which they pay for products and services...
  • ... which has important implications for a wide range of different organisations...
  • ... and is already visible from trends in the payments market in recent years
• Finaccord
  • Payment Metrics and other consumer research studies focused on the UK
  • UK affinity and partnership marketing publications

2.0 PAYMENT TYPES

• Introduction
• Payment methods for irregular purchases
• Low-value purchases (up to £15.00)
  • Cash remains king for low-value irregular purchases with a value of up to £15.00...
• Medium-value purchases (£15.00 - £50.00)
  • ... but is relegated behind debit, credit and charge cards for medium-value purchases
• High-value purchases (£50.00 or more)
  • As a primary means of payment, rechargeable prepaid cards have made little headway in any category
• Payment method preferences by age group
  • Age group variances are determined primarily by orientation to particular purchase value brackets
• Payment methods for recurring purchases
  • Over 50% of respondents make recurring payments across seven categories of expenditure
  • Direct debits, standing orders and other bank transfers are dominant in the majority of cases
  • Online payment set-up is used most commonly for all categories needing recurring payments

3.0 PAYMENT CARDS

• Introduction
• Cards in circulation
• Overview
  • Almost all respondents possess a debit card and well over half a credit, charge or store card
• Debit cards
  • It is likely that over three quarters of debit cards issued carry the Visa marque
• Credit, charge and store cards
  • ... although MasterCard has a narrow lead in the credit card sector
  • The survey results suggest that approaching 30% of cards are likely to be higher status products...
  • ... with American Express likely to hold a higher market share in the gold and platinum categories
  • As a percentage of its total card portfolio, business cards are particularly important to American Express...
  • ... meaning that its market share of cards issued in this segment is likely to be higher than that of Visa
  • MasterCard appears to be substantially stronger than Visa in the market for co-branded cards...
  • ... although the opposite applies in the much smaller market for affinity cards
  • Supermarkets and other retailers constitute the two most important specific co-branding segments
  • The co-branding portfolios of the three main payment brands display substantial differences in make-up
  • The influence of the three payment networks is most even in the hotel chain co-branding segment
  • In the affinity credit card market, the segment of charity cards is the largest
  • In the market for football club credit cards, the results suggest a three to one weighting in favour of Visa
• Rechargeable prepaid cards
  • In the market for prepaid cards, the results suggest that MasterCard is well ahead of Visa
  • Around one third of rechargeable prepaid cards in circulation are either affinity or co-branded products
  • Once again, MasterCard and Visa appear to have contrasting areas of strength
  • Many co-branded rechargeable prepaid cards carry brand names created specifically for them
  • MasterCard is dominant in the key co-branding segment of ‘other organisations'
  • Charity cards are the most common type of rechargeable prepaid affinity card
  • Both MasterCard and Visa are active in the market for affinity rechargeable prepaid cards
• Card utilisation frequency
  • Respondents are most likely to report a debit card as their main one
  • Utilisation rates for Visa debit cards are higher than those for MasterCard / Maestro products...
  • ... although the reverse holds true for credit cards
  • For rechargeable prepaid cards, the utilisation gap between the two main payment brands is narrower
  • Although not widely held, ultra high status cards enjoy very high utilisation rates among those that do...
  • ... with a similar assertion applying in the case of business cards, which are rarely left dormant
  • Among co-branded cards, consumers use retailer or supermarket cards most often as their main ones...
  • ... with charity cards recording a particularly strong performance among types of affinity card
  • Across all card categories, charity and ultra high status cards record the highest utilisation rates

4.0 LOYALTY PROGRAMS

• Introduction
• Membership and utilisation
  • Over 60% of respondents report that they are members of a loyalty program of one sort or another
  • Loyalty program members are most likely to be female, aged from 55 to 64 and with a high annual income
  • Three loyalty programs are dominant in terms of their total number of members...
  • ... although two others also claim more than 10% of respondents as members
  • Most typically, program members are female, aged 47 and with an average annual income of £32,837...
  • ... although substantial differences in member profiles are visible from one program to another
  • Respondents who belong to the loyalty program of Marks & Spencer appear to be the most engaged
• Earning and redemption systems
  • Cashback is comfortably the most favoured loyalty program earning system
  • Earning and redemption opportunities across multiple different organisations are generally preferred

5.0 INSURANCE AND ASSISTANCE

• Introduction
• Packaged policy penetration rates
  • Breakdown recovery insurance is held most commonly on a packaged basis...
  • ... as a result of rapid growth of added value accounts in recent years
• Perceived value
  • Perceived value among respondents varies greatly by type of insurance or assistance...
  • ... and there is often an apparent disconnect between penetration rate and perceived value
  • Arguably, the generic product name ‘card protection insurance' would benefit from an update
  • Respondents with access to them are most likely to actually make use of concierge services
  • The survey results also point to a relatively high claims frequency for price protection insurance
  • Generally speaking, respondents value most what they use most albeit with some exceptions

6.0 MOBILE / CONTACTLESS PAYMENTS

• Introduction
• Contactless card payments
  • Less than a quarter of respondents possess a payment card with a contactless functionality...
  • ... and many of those that do have not yet used it to make a contactless payment
  • Men are significantly more likely to have made a contactless payment than women
• Mobile banking
  • Users of mobile banking services are most likely to be young and male...
  • ... and to be owners of an Apple iPhone
  • Over a quarter of users of mobile banking check their account balance every day
• Mobile payments
  • Almost three quarters of respondents are aware of the emerging environment for mobile payments
  • Respondents with an Apple iPhone are most aware and those with an HTC device the least aware
  • Respondents display mixed feelings towards the concept of using a mobile phone to make payments...
  • ... with females markedly less enthused at the prospect than their male counterparts...
  • ... but with owners of two makes of mobile phone displaying much more interest than the average
  • Relatively few respondents are sure that their mobile phone is already equipped to make payments
  • ... with some differences again visible when analysed by make of mobile phone used
  • Consumers are most likely to look to PayPal, Amazon and Visa as providers of mobile payment solutions
  • Most respondents would prefer mobile payments to be debited directly from their bank account...
  • ... although some younger respondents show an interest in linking such payments to their mobile phone bill
  • A minority of respondents would favour using a special wristwatch to make contactless payments...

7.0 ONLINE PAYMENTS

• Introduction
• Frequency of usage of online payment solutions
  • In terms of usage frequency, PayPal has overtaken direct entry of payment card details
  • Amazon Payments is also used quite widely but other online payment means lag behind

8.0 DOMESTIC / INTERNATIONAL REMITTANCES

• Introduction
• Overview
  • Almost twice as many respondents have a need for domestic remittances as for international remittances
• Domestic remittances
  • PayPal and various types of bank payment are used on a regular basis most often
  • Sending cash, cheques or postal orders in the post is ranked third by this measure
• International remittances
  • Moneygram and Western Union enjoy more frequent usage in the market for international remittances...
  • ... although PayPal still appears to be dominant
• Market shares
  • PayPal's approximate market share of international remittances is similar to that for domestic remittances...
  • ... although there are some differences among the competing remittance means

9.0 APPENDIX

• Research sample and mechanics
• Research methodology and structure

0.0 EXECUTIVE SUMMARY

• Close to three quarters of respondents with a mobile phone are aware of the emerging market for mobile payments
• Much work remains to be done to convince consumers of the benefits of mobile payments as opposed to other payment means
• The market for mobile payments to ‘attack' in the field of irregular transactions varies by size of purchase...
• ... and by sector of purchase in the case of regular, recurring payments

1.0 INTRODUCTION

2.0 PAYMENT TYPES

• Segmentation of main payment methods used for low-value irregular purchases, 2012
• Segmentation of payment methods for medium-value irregular purchases, 2012
• Segmentation of payment methods for high-value irregular purchases, 2012
• Payment method preferences for all irregular purchases by age group, 2012
• Payment method preferences for all irregular purchases by age group, 2012 (table)
• Frequency with which consumers make recurring payments for particular services, 2012
• Segmentation of payment methods for recurring purchases split by category of purchase, 2012
• Segmentation of payment methods for recurring purchases split by category of purchase, 2012 (table)
• Segmentation of payment interfaces used to set up recurring purchases split by type of purchase, 2012
• Segmentation of payment interfaces used to set up recurring purchases split by type of purchase, 2012 (table)

3.0 PAYMENT CARDS

• Percentage of respondents holding debit cards, credit / charge / store cards and rechargeable prepaid cards, 2012
• Implied market share of debit cards in circulation of MasterCard / Maestro and Visa, 2012
• Percentage of respondents holding American Express, Diners Club, MasterCard, Visa and private label credit, charge or store cards, 2012
• Implied market share of credit, charge and store cards in circulation of American Express, Diners Club, MasterCard, Visa and private label, 2012
• Credit, charge and store cards in circulation segmented by standard, gold, platinum and ultra high status and by card brand / network, 2012
• Implied market share of standard, gold, platinum and ultra high status credit, charge and store cards in circulation of American Express, Diners Club, MasterCard, Visa and private label, 2012
• Credit, charge and store cards in circulation segmented by standard, gold, platinum and ultra high status and by card brand / network, 2012 (table)
• Credit, charge and store cards in circulation segmented by consumer and business cards and by card brand / network, 2012 (table)
• Implied market share of consumer and business credit, charge and store cards in circulation of American Express, Diners Club, MasterCard, Visa and private label, 2012
• Credit, charge and store cards in circulation segmented by consumer and business cards and by card brand / network, 2012 (table)
• Credit, charge and store cards in circulation segmented by mono-branded, co-branded and affinity cards and by card brand / network, 2012 (table)
• Implied market share of mono-branded, co-branded and affinity credit, charge and store cards in circulation of American Express, Diners Club, MasterCard, Visa and private label, 2012
• Credit, charge and store cards in circulation segmented by mono-branded, co-branded and affinity cards and by card brand / network, 2012 (table)
• Co-branded credit cards in circulation segmented by co-brand category and by card brand / network, 2012
• Implied market share, segmented by co-brand category, of co-branded credit cards in circulation of American Express, MasterCard and Visa, 2012
• Co-branded credit cards in circulation segmented by co-brand category and by card brand / network, 2012 (table)
• Affinity credit cards in circulation segmented by affinity category and by card brand / network, 2012 (table)
• Implied market share, segmented by affinity category, of affinity credit cards in circulation of MasterCard and Visa, 2012
• Affinity credit cards in circulation segmented by affinity category and by card brand / network, 2012 (table)
• Percentage of respondents holding MasterCard, Visa and private label rechargeable prepaid cards, 2012
• Implied market share of rechargeable prepaid cards in circulation of MasterCard, Visa and private label, 2012
• Rechargeable prepaid cards in circulation segmented by mono-branded, co-branded and affinity cards and by card brand / network, 2012 (table)
• Implied market share of mono-branded, co-branded and affinity rechargeable prepaid cards in circulation of MasterCard, Visa and private label, 2012
• Rechargeable prepaid cards in circulation segmented by mono-branded, co-branded and affinity cards and by card brand / network, 2012 (table)
• Co-branded rechargeable prepaid cards in circulation segmented by co-brand category and by card brand / network, 2012
• Implied market share, segmented by co-brand category, of rechargeable prepaid cards in circulation of MasterCard and Visa, 2012
• Co-branded rechargeable prepaid cards in circulation segmented by co-brand category and by card brand / network, 2012 (table)
• Affinity rechargeable prepaid cards in circulation segmented by affinity category and by card brand / network, 2012
• Implied market share, segmented by affinity category, of affinity rechargeable prepaid cards in circulation of MasterCard and Visa, 2012
• Affinity rechargeable prepaid cards in circulation segmented by affinity category and by card brand / network, 2012 (table)
• Card utilisation frequency by card function, 2012
• Card utilisation frequency by card function, 2012 (table)
• Card utilisation frequency by card function and brand / network, 2012
• Card utilisation frequency by card function and brand / network, 2012 (table)
• Credit, charge and store card utilisation frequency by card status, target and type, 2012
• Credit, charge and store card utilisation frequency by card status, target and type, 2012 (table)
• Co-branded and affinity credit and charge card utilisation frequency by co-brand and affinity type, 2012
• Co-branded and affinity credit and charge card utilisation frequency by co-brand and affinity type, 2012 (table)
• Ranking of card categories (function, brand / network, status, target, type) by score for card utilisation frequency, 2012

4.0 LOYALTY PROGRAMS

• Membership of loyalty programs by program type, 2012
• Membership of loyalty programs by program type and by gender, age group and annual household income, 2012
• Membership of specific loyalty programs and degree of utilisation of each among all respondents, 2012
• Membership of specific loyalty programs and degree of utilisation of each among all respondents, 2012 (table)
• Gender, age and annual household income profiles of respondents belonging to specific loyalty programs, 2012 (table)
• Degree of utilisation of specific loyalty programs among respondents belonging to each program, 2012
• Degree of utilisation of specific loyalty programs among respondents belonging to each program, 2012 (table)
• Preferred loyalty program earning systems of respondents, 2012
• Preference of respondents for earning and redemption opportunities across a single organisation or multiple different organisations, 2012

5.0 INSURANCE AND ASSISTANCE

• Penetration rates for insurance and assistance policy types linked to added value accounts and payment cards, 2012
• Penetration rates for insurance and assistance policy types linked to added value accounts and payment cards, 2012 (table)
• Perceived value among respondents of insurance and assistance types linked to added value accounts and payment cards, 2012
• Perceived value among respondents of insurance and assistance types linked to added value accounts and payment cards, 2012 (table)
• Relationship between penetration rates for insurance and assistance policy types linked to added value accounts and payment cards and their perceived value among respondents, 2012
• Claims / utilisation frequency among respondents for insurance and assistance policy types linked to added value accounts and payment cards, 2012
• Claims / utilisation frequency among respondents for insurance and assistance policy types linked to added value accounts and payment cards, 2012 (table)

6.0 MOBILE / CONTACTLESS PAYMENTS

• Possession and utilisation among respondents of contactless payment cards issued by banks, segmented by gender and age group, 2012
• Awareness and utilisation among respondents of contactless payment cards issued by banks, segmented by gender and age group, 2012 (table)
• Utilisation among respondents of mobile banking, segmented by gender and age group, 2012
• Utilisation among respondents of mobile banking, segmented by gender and age group, 2012 (table)
• Utilisation among respondents of mobile banking, segmented by make of mobile phone owned, 2012
• Utilisation among respondents of mobile banking, segmented by make of mobile phone owned, 2012 (table)
• Frequency of utilisation of mobile banking functions among respondents utilising mobile banking, 2012
• Frequency of utilisation of mobile banking functions among respondents utilising mobile banking, 2012 (table)
• Awareness among respondents with a mobile phone that opportunities to utilise mobile phones to make payments are likely to increase in future, segmented by gender and age group, 2012
• Awareness among respondents that opportunities to utilise mobile phones to make payments are likely to increase in future, segmented by gender and age group, 2012 (table)
• Awareness among respondents with a mobile phone that opportunities to utilise mobile phones to make payments are likely to increase in future, segmented by make of mobile phone used, 2012
• Awareness among respondents that opportunities to utilise mobile phones to make payments are likely to increase in future, segmented by make of mobile phone used, 2012 (table)
• Receptiveness among respondents with a mobile phone towards the concept of using mobile phones to make payments, segmented by gender and age group, 2012
• Receptiveness among respondents with a mobile phone towards the concept of using mobile phones to make payments, segmented by gender and age group, 2012 (table)
• Receptiveness among respondents with a mobile phone towards the concept of using mobile phones to make payments, segmented by make of mobile phone used, 2012
• Receptiveness among respondents with a mobile phone towards the concept of using mobile phones to make payments, segmented by make of mobile phone used, 2012 (table)
• Possession among respondents of mobile phones already enabled to make payments, segmented by gender and age group, 2012
• Possession among respondents of mobile phones already enabled to make payments, segmented by gender and age group, 2012 (table)
• Possession among respondents of mobile phones already enabled to make payments, segmented by make of mobile phone used, 2012
• Possession among respondents of mobile phones already enabled to make payments, segmented by make of mobile phone used, 2012 (table)
• Degree to which respondents with a mobile phone would naturally consider using 25 major consumer-facing organisations as a source of mobile payment solutions, 2012
• Degree to which respondents with a mobile phone would naturally consider using 25 major consumer-facing organisations as a source of mobile payment solutions, 2012 (table)
• Billing or debit methods preferred among respondents with a mobile phone for settling payments made by mobile phone, segmented by gender and age group, 2012
• Billing or debit methods preferred among respondents with a mobile phone for settling payments made by mobile phone, segmented by gender and age group, 2012 (table)
• Preference of respondents for using a special wristwatch rather than a mobile phone or payment card for making contactless payments, segmented by gender and age group, 2012
• Preference of respondents for using a special wristwatch rather than a mobile phone or payment card for making contactless payments, segmented by gender and age group, 2012 (table)

7.0 ONLINE PAYMENTS

• Frequency of usage of different online payment means, 2012
• Frequency of usage of different online payment means, 2012 (table)

8.0 DOMESTIC / INTERNATIONAL REMITTANCES

• Frequency of need for paying individuals at home and abroad without being able to meet them in person, 2012
• Frequency of usage of different means of making domestic remittances among respondents needing to pay individuals at home without being able to meet them, 2012
• Frequency of usage of different means of making domestic remittances among respondents needing to pay individuals at home without being able to meet them, 2012 (table)
• Frequency of usage of different means of making international remittances among respondents needing to pay individuals abroad without being able to meet them, 2012
• Frequency of usage of different means of making international remittances among respondents needing to pay individuals abroad without being able to meet them, 2012 (table)
• Approximate market shares of competing remittance means for domestic and international remittances, 2012

9.0 APPENDIX

• Sample breakdown by make and operating system of mobile phone used
• Sample breakdown by age group, annual household income band and geographical location