Abstract
Boston, MA -- In new research, Online Debit: Selling Convenience
(And Trust), Mercator reviews the range of consumer online payment
activity through the filters of new technologies, merchant focus on product
expansion, and the role trust and security play at the point of purchase.
The electronic payments evolution that's driving investments into mobile
wallets and NFC-enabled devices is also placing added pressure on the debit
card programs of traditional retail financial institutions. Everyday
purchases, long the core base of debit card transactions, are being enabled
online by merchants offering an increasing number of consumable items (such as
groceries) with all the shipping and purchasing conveniences consumers expect
in the online experience.
Merchants are tying together online and offline buying experiences through web
and mobile-enabled application to enable convenient "one-click" buying
experiences. At the same time, merchants can incentivize consumers to pick one
payment form over another through discounts and other promotional programs.
Highlights of this report include:
The role of signature and alternative debit forms in online payments.
An overview of new online debit technologies being introduced in the market.
Profiles of consumer demographics most likely to drive increased online spend
within everyday item categories.
An analysis of the potential impact of merchant's expansion into grocery,
pharmacy, and other daily commodity categories to the debit market, as well as
their influence over payment types.
A discussion regarding the importance of issuers building an expanded view of
how consumers use their depository accounts to protect and grow their retail
banking franchises. A review of the impact of risk management for issuers and
consumer' concerns about protecting their cash accounts on online debit
payments.
"Consumers' ability to access the Internet through an ever wider variety of
untethered devices makes the ability to transact at will a de facto
requirement for more and more transactions. Our research indicates that
everyday spend transactions, those lying at the heart of the debit market, are
being enabled online or through online/offline combinations by most of the
largest retailers in the United States.," Patricia Hewitt, director of
Mercator Advisory Group's Debit Advisory Service comments.
One of 21 exhibits in this report:
This report is 32 pages long and has 21 exhibits.
Companies mentioned in this report include: Amazon, Acculynk, Adaptive
Payments, WalMart, Cardinal Commerce, Google, PayPal, CVS, American Airlines,
Authorize.net, NACHA, MasterCard, and PreCash.
Members of Mercator Advisory Group's Debit Advisory Service have access
to this report as well as the upcoming research for the year ahead,
presentations, analyst access and other membership benefits.
Table of Contents
Executive Summary
Introduction
We're Not Getting Any Younger
Available Payment Forms
- Payment "Memory" Persists
Debit Online: Addressable Markets
- Retail and T&E Purchases
- Bill Pay and Recurring Transactions
- P-to-P Payments
- ACH Transactions
Holding Back
- Online Debit and Risk Management
- Online PIN Debit
- Acculynk
- Adaptive Payments
- Cardinal Commerce
- Consumer Confidence
A Fight Worth Having
Table of Figures
- Exhibit 1: U.S. Age Distribution and Median Age, 1960-2010
- Exhibit 2: Online Activity by Age Group, 2010
- Exhibit 3: Online Purchase Percentages: Men vs. Women
- Exhibit 4: Consumer Use of Debit Payments.
- Exhibit 5: Changes in Credit Card Use, Survey Data 2009-2011
- Exhibit 6: Top 10 Internet Retailer Forms of Debit Payment Acceptance
- Exhibit 7: Retail and eCommerce Sales (excluding travel), 2005-2010
- Exhibit 8: Online Travel Spend and Estimated Growth, 2009-2015
- Exhibit 9: T&E Debit Cards (not prepaid)
- Exhibit 10: Top Five U.S. Airlines Forms of Debit Payment Acceptance
- Exhibit 11: Bill Payment Form Shifts in Last Decade
- Exhibit 12: Recurring Payment Transactions Traffic per Online Merchant
Gateway
- Exhibit 13: Online, One-Off Payment Transaction Traffic per Merchant
Gateway
- Exhibit 14: P-to-P Payment Transaction Estimates 2011-2015
- Exhibit 15: WEB ACH YOY Transaction Growth Percentages, 2005-2011
- Exhibit 16: Online Credential Authentication Layers
- Exhibit 17: Acculynk Internet and Mobile Online PIN Applications
- Exhibit 18: Adaptive Payment Solutions Transaction Flow
- Exhibit 19: Cardinal Commerce-Centinel Solution
- Exhibit 20: Google Trusted Store Program
- Exhibit 21: Competing Forms of Online Debit Payments
線上付款的市場機會與發行轉帳卡（Debit Card）公司的風險
2011年12月14日
Global Information, Inc.已開始銷售Mercator Advisory Group, Inc.所發行的報告書「Online Debit: Selling Convenience (And Trust) (美國的線上轉帳：販售時的便利性（和信頼）)」
本報告書從新技術、商人、安全面分析美國的線上付款市場。檢證消費者如何將新技術利用到線上付款活動，商人如何處理擴大商品的作業，以及結帳時考慮的可靠性與安全性等。
牽引投資錢包手機和NFC對應設備的電子結帳革命，增加以往金融機關零售轉帳卡計劃的新壓力。
長久以來是轉帳卡結帳主流之購買日常用品變成可線上付款。零售業者增加食品雜貨類等可線上購買的消耗品。故已實現消費者期待線上商店發送商品和購買的便利性。
零售業者以能和線上及離線購買商品之網路與行動因應應用系統同步為目標，只要「單擊」就可購買。
同時，零售業者可以透過折扣和其他促銷計劃，誘導消費者優先選擇一個結帳方法。
Mercator Advisory Group的處長Patricia Hewitt敘述：「迄今消費者能透過以上各種行動設備上網。為了增加交易，隨時想起都可以交易成為實際上的必須條件。
依據本調查，買日常用品結帳是轉帳市場的核心。現在美國最大零售業者幾乎都接受線上、或線上和離線的組合來結帳。」。
