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市場調查報告書

擔保信用卡:主流卡商品的替代方式

Secured Credit Cards: An Alternative Path to Mainstream Card Products

出版商 Mercator Advisory Group, Inc. 商品編碼 312149
出版日期 內容資訊 英文 19 Pages
商品交期: 最快1-2個工作天內
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擔保信用卡:主流卡商品的替代方式 Secured Credit Cards: An Alternative Path to Mainstream Card Products
出版日期: 2014年09月08日 內容資訊: 英文 19 Pages
簡介

銀行未利用層/低利用層的消費者──其中多為中度所得──,在金融方面面臨許多困難。近幾年針對該族群,進行預付帳戶利用型的商品開發。另一方面,注意到個人信用的建立、維持──預付型商品不可能達成的目標──重要性的消費者也增加。法規上,由於收益方面的課題,也有從擔保信用卡市場退出的企業,不過也存在部分大銀行和複數中小業者的成功案例。在市場上,有幾百萬消費者(青年人、最近到達的移民、過去有金融問題的消費者等)需要信用建立工具,對有意重新評估這個發展中商品的卡片發行企業來說,可說有巨大的市場機會。

本報告提供美國的擔保信用卡市場相關分析、目前競爭環境和今後的市場機會、新商品的功能和市場上的定位資訊彙整,為您概述為以下內容。

分析內容的概要

  • 擔保卡商品的市場環境分析
  • 擔保卡適當的目標市場相關討論:信用文件缺乏、不足的消費者,次貸層
  • 各種擔保卡的有效市場(消費者人口)的估計值
  • 主要商品的趨勢分析:提升銷售策略,部份的抵押付卡的利用,低預算的利用案例等

分析對象企業

  • Bank of America
  • Capital Bank
  • Capital One
  • Digital Credit Union
  • First National Bank of Omaha
  • Fifth Third Bank
  • Merrick Bank
  • Navy Federal Credit Union
  • Suntrust
  • Synovus Bank
  • U.S. Bank
  • USAA
  • Wells Fargo
目錄

Unbanked and underbanked consumers, many of whom have modest incomes, face numerous financial challenges. In recent years, product development designed to serve these individuals has almost exclusively leveraged prepaid accounts. Meanwhile, consumers have become much more aware of the importance of building and maintaining a good credit score-a goal not typically achieved with prepaid products. Regulatory and profitability challenges have caused some providers of secured credit cards to leave the market, although a few national financial institutions as well as several smaller ones are finding ways to make their products successful. Opportunity awaits issuers that are willing to reevaluate this underdeveloped product. Millions of consumers-young adults, recent immigrants, and consumers with past financial difficulties-are in need of credit building tools.

Mercator Advisory Group's most recent research report, ‘Secured Credit Cards: An Alternative Path to Mainstream Card Products’, examines the competitive landscape for secured credit cards, reviewing emerging products' features and positioning.

“Secured credit cards are a valuable tool for consumers to build or rebuild credit,” comments Michael Misasi, senior analyst at Mercator Advisory Group and one of the report's authors. “Financial institutions should not overlook the opportunity to establish long-term relationships with secured credit products.”

Highlights of this research report include:

  • A review of the secured card product landscape
  • A discussion of the relevant target markets for secured cards, thin/no file and subprime
  • Estimated addressable market (number of consumers) for various secured card market segments
  • An analysis of key product trends such as upsell strategies, use of partially-secured cards, and the budgeting use case

One of the exhibits included in this report:

                        Source: Mercator Advisory Group Customer Monitor Survey Series, Payments, 2012,2013, Question 52.

This report contains 19 pages and 5 exhibits.

Companies mentioned in this report include: Bank of America, Capital Bank, Capital One, Digital Credit Union, First National Bank of Omaha, Fifth Third Bank, Merrick Bank, Navy Federal Credit Union, Suntrust, Synovus Bank, U.S. Bank, USAA, Wells Fargo.

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