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市場調查報告書

印度的零售商付款、金融、保險、救援服務

Retailer Payments, Banking, Insurance and Assistance in India

出版商 Finaccord Ltd. 商品編碼 311021
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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印度的零售商付款、金融、保險、救援服務 Retailer Payments, Banking, Insurance and Assistance in India
出版日期: 2014年05月01日 內容資訊: 英文 42 Pages
簡介

本報告以印度160多家有力零售商品牌組織的金融服務市場為焦點,提供支付卡,銀行商品,保險,援助服務領域的活動驗證,各公司單獨或與其他公司聯合實施的忠誠度計畫的參與情形,及各公司的線上銷售力和伴隨的線上付款機制。

摘要整理

第1章 簡介

  • 報告的對象市場
  • 調查理由
    • 許多國家的消費者對大型零售商及提供付款、金融、保險、救援服務新機會的線上銷售有興趣
  • 調查方法
    • 零售商的問卷調查
    • 混合流通模式營業的個10類別,160多家的有力零售商為調查對象
  • 定義
    • 付款、金融、保險、救援商品及服務
  • 營業模式
    • 系列、非系列供應商
  • 加重佔有率
  • PartnerBASE
  • Finaccord

第2章 市場分析

  • 簡介
  • 零售商支付卡
    • 信用、扣款、預付的各種卡
    • 點數卡
  • 零售商忠誠度計畫
    • 零售商獨自的忠誠度計畫
  • 消費者金融
    • 金融商品
  • 保險、救援服務
  • 線上付款
    • 承擔率
    • 支付卡
    • 線上戶頭
    • 手機付款
    • 銀行匯款
    • 其他線上付款方式

第3章 附錄

  • 主要系列業者及合資企業
目錄

Retailer Payments, Banking, Insurance and Assistance in India investigates the market for financial services organised by over 160 major retail brands in India. 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, dental, health, household, life, motor, 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 India in payments, banking, insurance and assistance;
  • to monitor the activity of key competitors in retailer financial services including Bajaj Finserv, Citibank, Citrus Pay, ICICI Bank and PAYBACK;
  • to understand the potential in India 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 India 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 over 160 important retail brands grouped across ten categories with a clear majority of retailers operating a mixed distribution model
  • 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 20 major retail brands in India promote a co-branded or private label credit card
  • ICICI Bank claims by far the highest number of retailer payment card schemes although Citibank overtakes it in the weighted analysis of partnerships
  • Private-label retailer cards are marginalised by those linked to MasterCard and Visa
  • By category, fuel retail brands are most likely to have introduced their own payment card with offline-only retailers scoring the highest activity rate by distribution model
  • Gift cards
  • Close to 20% of major retail brands have introduced stored-value gift cards with initiatives for these products visible across most retailer categories
  • Retailer loyalty programs
  • Approaching 50% of major retail brands surveyed in India are involved in a loyalty program with much activity concentrated in the department store / variety, fashion and speciality categories
  • Proprietary loyalty programs
  • Nearly a quarter of major retail chains in India have launched their own proprietary loyalty scheme
  • Coalition loyalty programs
  • Five major coalition loyalty programs are adhered to by retailers in India among which PAYBACK (formerly i-mint) has signed up the most major retail brands as participants
  • Three other coalition programs have been established by banks and another by Tata Group's retail brands
  • Consumer finance
  • Major retailers in India are less likely to offer point-of-sale finance than co-branded credit cards
  • Bajaj Finserv is easily the most significant provider of point-of-sale finance in the retail sector and its share of partnerships is even higher when viewed in weighted terms
  • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
  • Overview
  • A small number of major retail chains offer international remittance services through Western Union
  • Personal loans, mortgages and savings accounts International payments / remittances
  • Insurance and assistance
  • Mainstream forms of insurance are on offer from nine major retail chains in India with much of this activity organised through partners classified as joint ventures namely, AEGON Religare, Apollo Munich Health Insurance and Future Generali
  • However, as at March 2013, none of these companies had yet reached break-even point
  • Future Generali claims the highest share of partnerships in both unweighted and weighted terms
  • Retailers of health and beauty products feature the highest provision rate for insurance programs
  • Online payments
  • Acceptance rates
  • Major retail brands selling online are most likely to accept payment cards and direct bank transfers
  • Payment cards
  • Eight different payment card brands enjoy online acceptance among major retailers in India
  • Online accounts
  • Four online account providers compete for deals with the few online retailers accepting this payment means
  • PayPal is the sector leader followed by three indigenous competitors, all launched in the recent past
  • Online retail brands in five categories accept online accounts for payments via the internet
  • Mobile payments
  • PayMate has achieved by far the highest acceptance rate among mobile payment providers and reports relationships with over 12,000 merchants in total, both online and offline
  • Four other service providers are visible in this domain
  • Bank transfers
  • Direct bank transfers are accepted almost universally among major online retailers in India
  • Other methods of online payment
  • Over three quarters of major online retail brands in India also accept payments on delivery (COD)

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 India, 2014

1.0 INTRODUCTION

  • Retailers researched in India, segmented by category, 2014
  • Retailers researched in India segmented by distribution model, 2014

2.0 MARKET ANALYSIS

  • Provision of retailer payment cards by type of card in India, 2014
  • Retailer payment cards in India: provision rate and operating models, 2014
  • Retailer payment cards in India: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in India: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in India, 2014
  • Provision of retailer gift cards by retailer category and distribution model in India, 2014
  • Retailer loyalty programs in India: 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 India, 2014
  • Coalition loyalty programs in India: unweighted share of retailer brand members, 2014
  • Retailer consumer finance in India: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in India, 2014
  • Retailer provision of other banking products and services in India, 2014
  • Retailer international payments / remittances in India: provision rate and operating models, 2014
  • Provision of international payments / remittances by retailer category and distribution model in India, 2014
  • Retailer insurance and assistance in India: provision by policy type, 2014
  • Retailer insurance and assistance in India: provision and operating models, 2014
  • Retailer insurance and assistance in India: unweighted and weighted provider share of partnerships, 2014
  • Retailer online payment acceptance in India: acceptance rates by payment type, 2014
  • Payment cards accepted as an online payment mechanism by retailers in India: unweighted and weighted network share of acceptance, 2014
  • Acceptance of payment cards as an online payment mechanism by retailer category in India, 2014
  • Online accounts accepted as an online payment mechanism by retailers in India: unweighted and weighted provider share of acceptance, 2014
  • Acceptance of online accounts as an online payment mechanism by retailer category in India, 2014
  • Mobile payment services accepted as an online payment mechanism by retailers in India: unweighted and weighted provider share of acceptance, 2014
  • Acceptance of mobile payments as an online payment mechanism by retailer category in India, 2014
  • Acceptance of direct bank transfers as an online payment mechanism by retailer category in India, 2014
  • Acceptance of other types of online payment mechanisms by retailer category in India, 2014

3.0 APPENDIX

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