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市場調查報告書

韓國零售支付、銀行金融、保險與支援服務市場

Retailer Payments, Banking, Insurance and Assistance in South Korea

出版商 Finaccord Ltd. 商品編碼 300213
出版日期 內容資訊 英文 42 Pages
商品交期: 最快1-2個工作天內
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韓國零售支付、銀行金融、保險與支援服務市場 Retailer Payments, Banking, Insurance and Assistance in South Korea
出版日期: 2014年02月01日 內容資訊: 英文 42 Pages
簡介

本報告針對韓國零售業金融服務市場提供消費者金融服務組織支付、銀行業務、保險與支援服務的88家有力零售品牌問卷調查,包括現況、各公司專有、契約忠誠方案和線上通販的線上支付、商品、服務及有力企業動向、競爭環境詳細資料,目錄介紹如下。

摘要

第1章 介紹

  • 報告主題
  • 論點
    • 多國消費者偏好大型零售與線上通販
      • 迎來新契機的支付、銀行業務、保險、支援服務
  • 調查方法
    • 零售企業問卷調查
      • 10種分類88家有力零售品牌調查
  • 定義
    • 支付、銀行業務、保險與支援服務
    • 營運模式
    • 加權構成比較
  • PartnerBASE
  • Finaccord

第2章 市場分析

  • 介紹
  • 零售業支付卡
    • 信用、簽帳與預付卡
      • 國內主要零售品牌約有一半擁有合作品牌或私人品牌信用卡
        • 政府推廣的簽帳卡也越來越受到歡迎
      • 許多零售使用自家公司支付卡方案並與複數的外界發卡公司合作
        • 抵押合資卡片在發卡公司的使用度低
      • 零售品牌合作數量加權比Woori Card是最大的發卡公司
      • Woori Card在2013年初從Woori Financial Group分離獨立
      • Hana Financial Group收購KEB保持國內第2大規模的金融集團
      • 國內銀行與地方銀行和外資系銀行爭奪市場佔有率
      • 多數發卡公司是最近設立的
      • 除去私人品牌、零售支付卡約有9家
      • BC Card是有國際野心的國內信用卡公司
      • 支付卡普及度的二大分類是加油站、書籍媒體
    • 禮品卡
      • 不太能進入主要零售品牌間的封閉式預付卡
  • 零售忠誠方案
    • 調查的國內有力零售品牌大多有參與忠誠方案
  • 專用忠誠方案
    • 國內主要零售鍊3分之2經營自家專用忠誠方案
  • 合同忠誠方案
    • 與國內有力零售品牌保持密切關係的9個合同忠誠方案
      • 其中5家品牌可對應品牌合作的支付卡
    • 國內三大行動網路業者皆運用合同忠誠方案
      • 其他忠誠方案也正在形成規劃
  • 消費者金融
  • 銀行金融商品
    • 個人貸款、住宅貸款、儲蓄帳戶
      • Homeplus與KISB合作通用個人貸款
    • 國際支付、匯款
  • 保險、支援服務
    • 5家國內主要零售鍊正推廣保險服務
      • 使用的有各項供應商
    • 急速人口高零化而業績提升的「銀髮」健康保險
    • 零售選擇的合作保險業者大小不一
    • 市場專門化、與零售品牌合作佔最大佔有率的是Dongbu Insurance
    • 集中於百貨店、雜貨店分類的零售保險計畫
  • 線上支付
    • 接受率
      • 線上販售除了1家之外受到其他所有主要零售品牌的接受
    • 支付卡
      • 8項網絡外加私人品牌卡片在國內主要零售間常被使用
    • 線上帳戶
      • MoCa Wallet有國內唯一的線上帳戶、普及度也受限
    • 行動支付
      • 6家行動支付供應商有程度差別、受到線上零售品牌使用
    • 銀行匯款
      • 幾乎所有國內零售販售業者都接受直接銀行匯款的線上支付方法
    • 其他線上支付方法
      • 也存在接受上述以外支付方法的零售品牌
    • 第3章 附錄
  • 代表性合資企業
目錄
Product Code: report_rpbia_kr

‘Retailer Payments, Banking, Insurance and Assistance in South Korea’ investigates the market for financial services organised by 88 major retail brands in South Korea. As well as examining their initiatives in payment cards, banking products, insurance and assistance, the study also examines their involvement in proprietary and coalition loyalty programs, and details the online payment mechanisms accepted by those with an online sales capability. Among other data points, the report and PartnerBASE™ dataset that accompanies it embrace the following information about the retailers covered:

  • whether they offer their own credit, debit or prepaid cards and, if so, the card issuers that they work with in this context if they do not issue the cards themselves;
  • whether they are linked to one or more loyalty programs and, if so, whether these are proprietary or coalition schemes;
  • whether they make non-card point-of-sale finance available to their customers and, if so, the finance providers that they employ for this purpose;
  • whether they promote mainstream banking products such as general-purpose personal loans, mortgages and savings accounts and, if so, the partners that they co-operate with;
  • whether they distribute accident, motor, dental, health, household, life, pet or travel insurance, or any kind of assistance services and, if so, the insurance or assistance providers used;
  • for retail brands with an online sales capability, the payment means and providers that they accept for online purchases with consideration of payment cards, online accounts, mobile payments, bank transfers and other online payment options.

The report and PartnerBASE™ dataset can be used in the following ways:

  • to gain access to a comprehensive source of information that provides detailed insights into the involvement of major retail brands in South Korea in payments, banking, insurance and assistance;
  • to monitor the activity of key competitors in retailer financial services including Dongbu Insurance, Hyundai Card, KB Kookmin Card, Shinhan Card and Woori Card;
  • to understand the potential in South Korea for converting proprietary retailer loyalty cards and coalition loyalty schemes into fully-fledged payment cards;
  • to evaluate the extent to which consolidation among conventional banks is opening up opportunities for new retailer banks to emerge as ‘consumer champions';
  • to appreciate the range of online payment choices open to consumers in South Korea who buy products and services through the websites of major retail groups.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
    • In many countries, consumers are tending to gravitate to larger retailers and to buy more online...
    • ... which throws up new opportunities in payments, banking, insurance and assistance
  • Methodology
    • Survey of retailers
      • The survey's scope covers 88 important retail brands grouped across ten categories...
  • Definitions
    • Payment, banking, insurance and assistance products and services
    • Operating models
    • Weighted shares
  • PartnerBASE
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Retailer payment cards
    • Credit, debit and prepaid cards
      • Over a half of major retail brands in South Korea have their own co-branded or private-label credit card...
      • ... albeit debit cards are increasing in popularity, in part as the result of government policy
      • Many retailers utilise more than one external card issuer for their payment card program...
      • ... while a few work through captive or joint venture card issuers
      • By weighted share of partnerships with retailer brands, Woori Card is ranked first among card issuers
      • Woori Card was spun off from Woori Financial Group at the beginning of 2013
      • Hana Financial Group's acquisition of KEB makes it the country's second-largest financial group
      • Local banks and foreign-owned banks vie with national competitors for market share
      • A number of issuers of retailer payment cards have been created in the relatively recent past
      • Excluding private-label cards, retailer payment cards are linked to as many as nine different networks
      • BC Card is a national credit card company with international ambitions
      • Payment card schemes are most prevalent among fuel retailers and books and media chains
    • Gift cards
      • Closed-loop prepaid cards do not enjoy especially high penetration among major retail brands
  • Retailer loyalty programs
    • Most major retail brands surveyed in South Korea participate in some form of loyalty program
    • ... with activity rates highest among online-only retailers
  • Proprietary loyalty programs
    • More than two thirds of major retail chains in South Korea operate their own proprietary loyalty scheme
  • Coalition loyalty programs
    • Nine coalition loyalty programs are adhered to by major retail brands in South Korea...
    • ...with five supporting a co-branded payment card
    • South Korea's three main mobile network operators all operate coalition loyalty schemes...
    • ... while others hail from a variety of different sources
  • Consumer finance
  • Banking products
    • Personal loans, mortgages and savings accounts
      • Homeplus co-operates with KISB for general-purpose personal loans
    • International payments / remittances
  • Insurance and assistance
    • Five major retail brands in South Korea promote mainstream insurance products of the type researched...
    • ... with a variety of different providers used in this context
    • A rapidly ageing population makes ‘silver' health insurance policies especially marketable
    • Insurance partners used by retailers include both major players and smaller competitors
    • In a fragmented market, Dongbu Insurance claims the highest share of partnerships with retail brands
    • Retailer insurance schemes are concentrated in the department store and variety category
  • Online payments
    • Acceptance rates
      • All but one major retail brands selling online accept payment cards
    • Payment cards
      • Eight networks plus private-label cards enjoy online acceptance among major retailers in South Korea
    • Online accounts
      • MoCa Wallet is the country's only online account and its penetration is comparatively limited
    • Mobile payments
      • Six providers of mobile payments are used to one degree or another by online retail brands...
    • Bank transfers
      • Nearly all major online retailers in South Korea accept direct bank transfers as an online payment means
    • Other methods of online payment
      • Some retail brands selling online also accept other payment mechanisms

3.0 APPENDIX

  • Major captives and joint ventures

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Provision rates for key payment, banking, insurance and assistance products, adherence rates for loyalty schemes and online payment product acceptance rates among retailers in South Korea, 2014

1.0 INTRODUCTION

  • Retailers researched in South Korea, segmented by category, 2014
  • Retailers researched in South Korea segmented by distribution model, 2014

2.0 MARKET ANALYSIS

  • Provision of retailer card by type of card in South Korea, 2014
  • Retailer payment cards in South Korea: provision rate and operating models, 2014
  • Retailer payment cards in South Korea: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in South Korea: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in South Korea, 2014
  • Provision of retailer gift cards by retailer category and distribution model in South Korea, 2014
  • Retailer loyalty programs in South Korea: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in South Korea, 2014
  • Coalition loyalty programs in the South Korea: unweighted share of retailer brand members, 2014
  • Retailer insurance and assistance in South Korea: provision by type of insurance, 2014
  • Retailer insurance and assistance in South Korea: provision and operating models, 2014
  • Retailer insurance and assistance in the South Korea: unweighted and weighted provider share of partnerships, 2014
  • Provision of insurance and assistance by retailer category and distribution model in South Korea, 2014
  • Retailer online payment acceptance in South Korea: acceptance rates by payment type, 2014
  • Payment cards accepted as an online payment mechanism by retailers in South Korea: unweighted and weighted network share of acceptance, 2014
  • Online accounts accepted as an online payment mechanism by retailers in South Korea: unweighted and weighted provider share of acceptance, 2014
  • Acceptance of online accounts as an online payment mechanism by retailer category in South Korea, 2014
  • Mobile payment services accepted as an online payment mechanism by retailers in South Korea: unweighted and weighted provider share of acceptance, 2014
  • Acceptance of mobile payments as an online payment mechanism by retailer category in South Korea, 2014
  • Acceptance of other types of online payment mechanisms by retailer category in South Korea, 2014

3.0 APPENDIX

  • Retailer captives and joint ventures in payments, banking, insurance and assistance in South Korea: operating models, partners and ownership, 2014
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