市場調查報告書 - 230718

複合卡市場

Hybrid Cards: I'll Have Two of Everything

出版商 Mercator Advisory Group, Inc.
出版日期 2012年02月03日 內容資訊 英文 28 Pages
價格
複合卡市場 Hybrid Cards: I'll Have Two of Everything
出版日期: 2012年02月03日 內容資訊: 英文 28 Pages
簡介

本報告提供複合卡的市場機會相關分析,複合卡的主要特徵和定義,市場趨勢,商務促進因素,技術進步,包含實例的7種複合卡評估,DUO智慧卡的相關案例研究等相關資料,為您概述為以下內容。

摘要整理

簡介

雙重性定義

商務環境

  • 消費者的付款偏好
  • 後端處理能力
  • 生活方式產品策略的轉變
  • 市場上複合卡

市場上實例

  • 私有標識+一般循環信用
  • 收費(全額付款)+循環信用
  • 信貸+儲值
  • 雙元貨幣
  • 儲值+ID
  • 信用+會員

DUO智慧卡

發展環境

  • 產品結構
  • 內部教育·客戶教育
  • 風險管理

二個比起一個好?

圖表

目錄

Abstract

Report Examines Market Opportunities for Hybrid (Dual Function) Cards

Boston, MA -- In new research, Hybrid Cards: I'll Have Two of Everything, Mercator examines the characteristics that comprise a dual-function card in order to create a definition and framework for considering hybrid card opportunities in the market.

Before electronic wallets and virtual accounts become ubiquitous, the payments industry will continue to rely on plastic cards as the primary form factor. Thus, issuers around the world are putting hybrid cards in their consumers' pockets for myriad purposes and new technologies are being developed that serve to further enhance plastic card functionality. In addition, the practice of leveraging subaccounts to segregate purchases into distinct repayment categories to create hybrid accounts has roots in major issuer strategies, such as American Express' Sign and Travel, as well as new products, like Chase's Blueprint.

Major U.S. issuers, including Fifth Third and CitiBank, are offering cardholders hybrid card products as a means of expanding their brand value and offering consumers convenient access to broader categories of spend.

This report reviews this dynamic market, offers examples of hybrid card executions, and examines critical aspects within the development environment.

Major Highlights of This Report Include:

An examination of the business drivers, market dynamics, and technical advancements that have resulted in the creation of a wide variety of hybrid cards and accounts.

An analysis of the major characteristics that make up a hybrid card and a resulting definition.

A review of the seven different types of hybrid cards including examples.

A case study of the Fifth Third DUO card based including product strategy, best practice guidelines, and near term results of the product operating in-market.

"The challenge of expanding issuer brand equity in a market that has become highly fractionalized is a primary problem financial institutions are trying to solve in the United States. Issuing a hybrid card can be a solution that bridges the gap between legacy and emerging payment forms and creates a product construct that is more valuable...," Patricia Hewitt, director of Mercator Advisory Group's Debit Advisory Service comments.

image1

This report is 28 pages long and has 13 exhibits.

Companies mentioned in this report include: Fifth Third Bancorp, CitiBank, Wells Fargo, First Data, TSYS, Dynamics, American Express, AAA, Costco, JPMorgan Chase.

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

A Definition of Duality

  • What Makes a Hybrid?

Business Case Environment

  • Consumer Payment Preferences
  • Back-End Processing Capabilities
  • Shift to Lifestyle Product Strategies
  • Hybrid Cards In-Market

In-Market Examples

  • Private Label + General Purpose Revolving Credit
  • Charge (Pay in Full) + Revolving Credit
  • Credit + Stored Value
  • Dual Currency
  • Stored Value + ID
  • Credit + Membership

DUO Card

Development Environment

  • Product configuration
  • Internal and Consumer Education
  • Risk Management

Is Two Better than One?

Figures and Tables

  • Figure 1: U.S. Household Card Ownership, 2009 - 2011
  • Figure 2: Estimated Global Payment Volume Opportunity, Prepaid Cards - Global
  • Figure 3: Consumer Survey Results Indicate Persistent Uncertainty
  • Figure 4: Dynamics Card 2.0® MultiAccount Card
  • Table 1: Hybrid Card Types in Market
  • Figure 5: Private Label + General Purpose Credit
  • Figure 6: Charge (Pay in Full) + Revolving Credit
  • Figure 7: Credit + Stored Value
  • Figure 8: Dual-Currency Credit
  • Figure 9: Stored Value + ID
  • Figure 10: Credit + Membership
  • Figure 11: Debit + Credit Hybrid DUO Card
  • Figure 12: Hybrid Card Development Environment
  • Figure 13: Hybrid Card Value Relationships

複合卡市場是由出版商Mercator Advisory Group, Inc.在2012年02月03日所出版的。這份市場調查報告書包含28 Pages 價格從美金2950起跳。

Back to Top
;