Cover Image
市場調查報告書

美國的50大零售銀行、信用聯合的扣款利潤、忠誠度計畫:2014年的年度檢討

Top 50 U.S. Retail Banks and Credit Unions' Debit Rewards and Loyalty Programs: 2014 Annual Review

出版商 Mercator Advisory Group, Inc. 商品編碼 327980
出版日期 內容資訊 英文 24 Pages
商品交期: 最快1-2個工作天內
價格
Back to Top
美國的50大零售銀行、信用聯合的扣款利潤、忠誠度計畫:2014年的年度檢討 Top 50 U.S. Retail Banks and Credit Unions' Debit Rewards and Loyalty Programs: 2014 Annual Review
出版日期: 2015年04月08日 內容資訊: 英文 24 Pages
簡介

本報告提供轉帳卡及扣款利潤趨勢的更新、消費者的利用、態度相關一手資料、50大金融機關計劃的詳細調查、商人投資折扣網 (MFDN) 概要、小規模 vs 大規模零售銀行、信用聯合間的扣款利潤的變化,及今後展望等系統性資訊。

主要的調查內容

  • 理解轉帳卡關聯的進化的消費者趨勢
  • 引導更大的轉帳卡利用的消費者趨勢
  • 卡片發行公司的商人投資折扣網 (MFDN)
  • 小規模的金融機關的扣款利潤受到高度的關注
  • 對50大發行公司來說的扣款利潤突出的變化
  • 對2015年中扣款利潤的期待
目錄

The Durbin Amendment hasn't decimated debit rewards as was expected. Consumers find far too much value in debit rewards for retail banks and credit unions to eliminate them. Instead, financial institutions are targeting the right rewards to the right consumer and trending toward real-time redemption of discounts and other rewards and toward implementation of mobile apps, mobile couponing, and location-based rewards. It is clear that both retail banks that are regulated by the Durbin Amendment and those that are exempt continue to provide debit rewards. Smaller financial institutions have in fact increased their offering of debit rewards. Larger financial institutions are standing their ground, for the most part, with a few more or less offering debit rewards.

Mercator Advisory Group's report, Top 50 U.S. Retail Banks and Credit Unions' Debit Rewards and Loyalty Programs: 2014 Annual Review, provides an update on trends in debit cards and debit rewards. It includes primary data on consumer usage and attitudes, a survey of details of the top 50 FIs' programs, a look at merchant-funded discount networks (MFDNs), changes in debit rewards among smaller versus larger retail banks and credit unions, and what to expect in rewards in 2015.

This research report reveals that five years after the passage of the Durbin Amendment, debit rewards programs have rebounded such that 50-60% of financial institutions in the United States are offering debit rewards in one form or another. Research finds that consumers prefer cash rewards first and foremost on debit cards, and then traditional points or miles second. Issuers' strong preference for merchant-funded rewards programs over traditional issuer-funded points programs is also evident.

This report has 24 pages, 8 exhibits, and 2 appendixes with reward program details.

Companies mentioned in this report include: Affinity Solutions, American Airlines Federal Credit Union, America First Credit Union, Bank of America, BB&T, Buzz Points, Cardlytics, Cartera Commerce, Disney, Dynamics, Edo Interactive, Golden 1 Credit Union, JPMorgan Chase, Linkable Networks, PNC Bank, Pulse, RewardsNOW, San Diego County Credit Union, SchoolsFirst Credit Union, SunTrust, TD Bank, Truaxis (MasterCard), U.S. Bank, Welcome Real-time, and Wells Fargo.

Members of Mercator Advisory Group's Debit Advisory Service have access to these reports as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits.

One of the exhibits included in this report:

image1

cHighlights of the report include:

  • Understanding the evolving consumer trends related to debit cards
  • Consumer trends that lead to greater debit card usage
  • Merchant-funded discount network from an issuer perspective
  • Debit rewards interest growing among smaller financial institutions
  • Notable changes in debit rewards for top 50 issuers between 2013 and 2014
  • What to expect in debit rewards in 2015
Back to Top