美國的預付市場：政府如何利用預付卡來發放救濟金 是由出版商Mercator Advisory Group, Inc.在2011年07月所出版的。
這份英文市場調查報告書包含30 pages 價格從美金2950起跳。
本報告，調查分析美國政府在救濟金等的發放上預付卡的使用動向，彙整使用預付卡的優點・缺點、利用預付卡的各種給付方案的案例、廠商的市場機會等，由下列摘要形式闡述。
簡介
- 政府利用預付卡的理由
- 政府的預付卡：政治上・法律規範上的風險
社會安全
州的失業給付
「SNAP（Supplementary Nutrition Assistance Program）」與「WIC（Women, Infants, Children）」
法院命令的支付
監獄
輸送
其他方案
- 退稅
- 軍人薪餉支付（EZpay・Eagle Cash・Navy Cash）
- 「Digital Converter Box Program」
- FEMA與預付卡的風險
結論
圖表
Abstract
Boston, MA -- Since 1996, the Federal Government has had a
Congressional mandate to stop using checks for distributing benefits. At the
time the law was passed prepaid cards were a new payments technology that had
barely arrived on the scene. Fast forward 15 years, and today prepaid is one
of the leading ways that U.S. government agencies, including those at the
state and local level, use to distribute funds to citizens.
Mercator' s new report, “Mapping the United States of Prepaid: How Governments
Use Prepaid Cards to Disburse Benefits”, covers the various programs in use for
disbursing government benefits and describes some of the challenges facing the
industry in going after government business. Programs ranging from nutrition
assistance to Social Security to the Navy payroll are covered. While these
programs face many of the operational benefits and concerns as other types of
prepaid cards, they are also subject to political scrutiny and agendas.
Still, government agencies benefit by getting out of the business of printing
checks, and so the use of prepaid cards by governments is likely to grow in
the near future.
“The answer to why governments use prepaid cards has two parts: the
drawbacks of paper payments and the benefits of prepaid cards,” Ben
Jackson, senior analyst at Mercator Advisory Group and author of the
report says. “The three main factors affecting both sides are costs,
convenience, and security. Prepaid cards win on all counts.”
Highlights of this report include:
- A timeline of the U.S. Government' s efforts to eliminate paper checks and
leverage prepaid cards .
- State and local government progress in eliminating checks and moving to
electronic payments.
- Governments programs that have used prepaid cards, and other examples of
government use for prepaid.
- Pressures and political dynamics affecting government programs using
prepaid cards for funding.
- Overview of vendor opportunities to sell prepaid to government agencies
and the programs most likely to garner interest.
One of the 10 exhibits in this report:
This report is 30 pages long and contains 10 exhibits.
Companies mentioned in this report include: Bonneville Bank, Comerica,
Cubic Transportation Systems Inc., Green Dot Corp., Illinois National Bank,
JPMorgan Chase & Co., MasterCard, National Consumer Law Center, Total System
Services Inc. (TSYS), US Bancorp and Visa.
Table of Contents
Introduction
- Why Would Governments Use Prepaid Cards?
- Government Prepaid Cards Face Political and Regulatory Risks
Social Security
State Unemployment
Supplementary Nutrition Assistance Program (SNAP) and Women, Infants, Children (WIC)
Court-Ordered Payments
Prisons
Transit
Other Programs
- Tax Refunds
- Military Payroll (EZpay, Eagle Cash, and Navy Cash)
- Digital Converter Box Program
- FEMA and the Risks of Prepaid
Conclusion
Copyright Notice
Table of Figures
- Exhibit 1: Recipient Ida May Fuller Holds the First Monthly Social
Security Check
- Exhibit 2: Symbolic Check Showing the Savings Social Security Will Reap By
Moving to Electronic Distribution
- Exhibit 3: States Distributing Unemployment Benefits with Prepaid Cards
- Exhibit 4: Food Stamps Have Gone the Way of the Dodo.
- Figure 5: States Distributing WIC Benefits with Prepaid Cards
- Figure 6: States Distributing TANF Benefits with Prepaid Cards
- Exhibit 7: States That Distribute Child Support Benefits on Prepaid Cards
- Figure 8: States Using Prepaid Cards for Distributing Funds to Prisoners
or Ex-Prisoners
- Figure 9: Transit Cards May Move from Fare-Only Card to Multi-Function
Cards
- Exhibit 10: FEMA Cards Caused Some to Question the Value of Prepaid for
Government Benefits
