Cover Image
市場調查報告書

南美的非銀行利用消費者:E付款市場

Unbanked and Underbanked Consumers in South America: A Market for E-Payments

出版商 Mercator Advisory Group, Inc. 商品編碼 304624
出版日期 內容資訊 英文 26 Pages
商品交期: 最快1-2個工作天內
價格
Back to Top
南美的非銀行利用消費者:E付款市場 Unbanked and Underbanked Consumers in South America: A Market for E-Payments
出版日期: 2014年05月28日 內容資訊: 英文 26 Pages
簡介

在2013年中,推算南美約有1億7,000萬個成人為非銀行使用者(unbanked :完全不利用/underbanked:幾乎不利用)。此事意味著金融機關擁有改善南美大陸的金融普惠、支援電子付款成長的一大誘因。

本報告提供南美的非銀行利用消費者情勢的相關調查、各國的資訊、國內的公共、民間企業如何改善金融普惠、促進電子付款的利用相關的說明彙整。

主要的調查內容

  • 主要的南美各國的戶頭概要及轉帳卡、信用卡的普及率
  • 有助於加速使數百萬非銀行利用消費者移至主流的各流通管道的調查

本調查提及的主要企業

  • Azteca, Banco BBVA, Banco Bradesco, Caixa Economica Federal, Claro, MasterCard, Novo Payment, Oi Carteira, Pagtel, Rapiplata, Ria Financial Services, Scotiabank, Vivo, Wanda, Yellow Pepper
目錄

Definitions of “unbanked” and “underbanked” consumers and estimates of their number vary widely around the world. Yet there is broad consensus in the banking and payments industry that this demographic will prove important to long-term growth in electronic payments in both developed and developing payments markets.

According to Mercator Advisory Group estimates, in 2013 there were approximately 170 million unbanked or underbanked adults in South America. This means financial institutions have significant incentive to improve financial inclusion and to support the growth of electronic payments around the continent. Increasing the number of consumer bank accounts is not feasible overnight. But across South America both private and public sector organizations are seeking to accelerate the migration from traditional payment instruments to e-payments as a means to tap into a vast new demographic that holds the potential for long-term robust growth across payment industry segments.

Mercator Advisory Group's latest report, ‘Unbanked and Underbanked Consumers in South America: A Market for E-Payments’, sheds light on the unbanked and underbanked landscape in South America by providing information on the true extent of these in each country across the continent and describing how local public and private organizations are attempting to improve financial inclusion and boost electronic payment use.

“As the global payment industry has grown, firms have begun seeking new international markets where the potential for robust electronic payment growth is emerging. Countries in South America are becoming more attractive as local economies mature and consumers begin the transition from traditional payment instruments to e-payment methods. Similar to other regions around the world that contain a number of developing countries, South America is home to large numbers of unbanked and underbanked consumers. For the most part these consumers operate outside of the electronic payments ecosystem and subsequently miss out on the inherent benefits that electronic payments can bring to the local economy,” comments Tristan Hugo-Webb, Associate Director, International Advisory Service at Mercator Advisory Group and the primary author of the report.

Highlights of the report include:

  • Overview of account and debit and credit card penetration across the majority of South American countries
  • An examination of the different channels being employed to help accelerate the processes of bringing millions of unbanked consumers into the payments mainstream

One of the exhibits included in this report:

              Note: Debit card ownership data is not available on Guyana, Suriname and Guyane.
                 It is likely that the debit card ownership is very low in these countries.

Source: Mercator Advisory Group estimates based on World bank historical data.

This report contains 26 pages and 13 exhibits.

Companies mentioned in this report include: Azteca, Banco BBVA, Banco Bradesco, Caixa Econômica Federal, Claro, MasterCard, Novo Payment, Oi Carteira, Pagtel, Rapiplata, Ria Financial Services, Scotiabank, Vivo, Wanda, Yellow Pepper.

Back to Top