美國替代支付系統產業（第2版）

美國替代支付系統產業（第2版） 是由出版商Packaged Facts在2011年06月所出版的。 這份英文市場調查報告書包含194 Pages 價格從美金3750起跳。

簡介

PayPal挖掘到了錢脈之後使得代替支付市場掀起一陣掏金潮，但就如同過去的掏金潮一般，大部分僅感覺到不滿只有少部分成功。代替支付市場的情況特別是在消費者眼中特別有所變化，現在重要的不光是技術，對於消費者的了解認識也同樣重要，另外行動支付平台也快速的被實施。

本報告針對美國代替付款系統市場進行調查，提供代替付款概要、市場規模、市場動向、以PayPal為重點的競爭分析、代替支付市場與行動支付市場動向、消費者態度分析、主要企業分析，目錄介紹如下。

第1章 摘要整理

• 競爭情況
• 市場動向
• 行動支付市場動向
• 消費者使用方法與分析

第2章 市場

• 電子商務市場規模與成長
• 發展中的支付市場
• 代替付款市場規模與成長
• 市場預測

第3章 競爭情況

第4章 主要企業分析

• PayPal, Bill Me Later（eBay, Inc.）
• Amazon Payments
• FaceCash
• Google Checkout
• mFoundry
• Obopay
• PayNearMe, Inc
• PlaySpan, Inc.
• Secure Vault Payments

第5章 代替付款市場動向

第6章 行動支付市場動向

第7章 消費者付款喜好與行為

• 受矚目的代替付款：PayPal
• 付款喜好與消費者態度

附錄

目錄

Abstract

There has been a gold rush into alternative payments from prospectors seeking to dig up the next PayPal. But as with past gold rushes, there have been many claims with few successes. Despite history' s lessons, with every new "gold rush" come new hopes of striking a rich consumer vein. It is all enough to make one' s head spin trying to parse out the various payment types and business models.

In addition, the alternative payments landscape is morphing, particularly in the eyes of consumers. It is no longer just the underlying mechanism that is important - equally important is the consumer perception of the payment. What' s more, mobile payments (a subset of alternative payments), are quickly becoming a viable platform ready to explode with merchant and consumer adoption forever changing the payments landscape.

In this second-edition of The Alternative Payment Systems Industry in the U.S., Packaged Facts presents an in depth examination of the U.S. alternative payments business. The report presents the size and growth of the market and puts it in context to both the business-to-consumer (B2C) ecommerce market and the total "consumer" payments market including card payments and electronic payments (online bill payment). Special regard is given to the activity of top players and the varied upstarts, particularly in mobile payments, hoping to steal share and further alter the old school payments paradigm. Major key competitors are profiled, along with a focused analysis of consumer payment demographics and preferences.

Note: Packaged Facts defines alternative payments as entirely electronic and predominantly conducted over the Internet though not all are conducted through the ACH network. Generally, alternative payments exclude all forms of paper and any debit or credit card where the purchase or remittance is made directly with that medium. The most common alternative payments are consumer-to-business purchases and peer-to-peer, also referred to as person-to-person (P2P) payments.

Research Methodology

These report data were obtained from government sources, trade associations and publications, business journals, company literature, investment reports and interviews of industry players. In most cases, market data span the 2006-2010 period.

Table of Contents

Chapter 1: Executive Summary

• Report Scope
  • Alternative Payments Part of Overall Payments Industry
  • Paper Payments
  • Card Payments
  • Electronic Payments
  • Alternative Payments Defined
• Methodology
  • Alternative Payments Market Data and Sources
  • Consumer Spending Data and Sources
  • Business-to-Consumer Revenues Defined
  • Consumer Spending Comparison to Business-to-Consumer Revenues
  • Payments Market Data and Sources
  • Overlap Between Card and Electronic Payments
  • Card Payment Data and Sources
  • Electronic Payment Types by Code Used for Electronic Payment Market
• Alternative Payments Market Size and Growth
  • Figure 1-1: Total Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
• "Pure Play" Alternative Payment Dollar Volume
  • Figure 1-2: Total Pure Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
• Card-Funded Alternative Payment Dollar Volume
  • Figure 1-3: Total Card Funded Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
• Total Alternative Payment Dollar Volume to Reach $127 Billion
  • Figure 1-4: Total Card Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenues Forecast, 2010-2015 (billions $, percent)
• "Pure Play" Alt Pay Dollar Volume Forecast to $53 Billion
  • Figure 1-5: Total Pure Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenues Forecast, 2006-2010 (billions $, percent)
• Card-Funded Alt Pay Dollar Volume Forecast to $75 Billion
  • Figure 1-6: Total Card Funded Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)

Competitive Landscape

• Endless Alternative Payment Schemes
  • Peer-to-Peer and Direct Payments
  • Table 1-1: Selected U.S. Alternative Payment Competitors by Primary Scheme: P2P and Direct Payment Processors, 2011
  • Delayed Billing, Recurring Payments and Layaway Schemes
  • Table 1-2: Selected U.S. Alternative Payment Competitors by Primary Scheme: Non-Card Credit, Delayed, and Recurring Billing, 2011
  • Mobile Payments
  • Table 1-3: Selected U.S. Alternative Payment Competitors by Primary Scheme: Mobile Payments, 2011
  • eWallets
  • Table 1-4: Selected U.S. Alternative Payment Competitors by Primary Scheme: eWallets, 2011
• Payment Competitors Goals Shift Dramatically
• Mobile Will Bridge Online and Offline
• In the Meantime, PayPal Continues to Dominate
• Selected Alt Pay Competitive Activity
• Mobile Payments Promise Still Unmet
• Consumers & Merchants Stuck in a Rut
• Apple May Jumpstart Mobile Payments
  • Consumer and Merchant Tool in One
  • iTune Accounts Points to Strong Potential Consumer Base
• Customer Adoption of Mobile
• Select NFC Mobile Alt Pay Activity

Marketplace Trends

• Economic Crisis Not So Bad For Alt Pay
  • PCE, Card Spending Down, but Alt Pay Up 12%
  • Figure 1-7: U.S. Gross Domestic Product and Personal Consumption Expenditures, 2000-2010 (billions $)
  • By 2010 Everyone on the Rebound
  • Signs of Economic Improvement
• Consumers Continue Warming to Electronic Alt Pay
• Greener Attitudes
• Cards Still Dominate but Alt Pay Making Strides
• Card Networks and Issuers Feel the Heat
• PayPal Open to Real World
• MasterCard Introduces a Plan Similar to PayPal X
• Bill Me Later Supplants Card Issuers
• Google Casts a Large Shadow
• Checkout by Amazon Simplifies
• Nacha' s Secure Vault Payments Catches a Big Fish
• Social Media Enters the Fray
• Virtual Goods Purchase Increasing
• Merchants Still Lagging in Offering Alt Pay

Mobile Pay Marketplace Trends

• Increase in Smartphones Signals Mobile Payments Time
• Chaotic for the Foreseeable Future
• Mobile Payments Bring Alt Pay Offline
• Millenials Will Drive Mobile Pay
• PayPal Currently in Leadership Position
• Banks Shouldn' t Miss the Opportunity
• Mobile Pay loves iPhone
• Start-ups Getting Foot In Door
• Consumer Protections Challenged by Mobile Payments
• Is Mobile Alt Pay the End for Cash, Check and Credit Cards?

Consumer Usage and Profile

• Consumers Continue Shifting Away from Paper Payments
  • Table 1-5: Consumer Bill Pay Preferences: Forms Used Always, 2009-2010 (%)
  • Online Payments Far Outstrip Card Payments
  • Alternative Payment Brand Focus: PayPal Penetration Stalling?
• Selected Demographics Profiles
  • Online Bill Pay Users Have Prized Characteristics
  • Recession Effect on Gen-Y
  • Women May Now be Leading Edge in Payments
  • Asians and West Coast Pop for Use
  • The Trifecta: Educated, White-Collar and Home Owners
  • Table 1-6: Demographic Characteristics by Forms Always and Sometimes Used: Online Bill Payment, 2010 (index)
  • Stark Contrast between Online Payment and Check User Profile
  • Table 1-7: Demographic Characteristics by Forms Always and Sometimes Used: Check, 2010 (index)
  • PayPal User Profile Aligns with Online Payment Profile
  • Indications that Women Are Prime PayPal Users
  • Asians and West Coast Pop for Use
  • PayPal Users are Educated, Financially above Average, White-Collar and Home Owners
  • Table 1-8: Demographic Characteristics of PayPal Users: Last 7 Days and last 30 Days, 2010 (index)
• Connection between Internet Usage and Income
  • Figure 1-8: Comparison of Broadband Access at Home, Cell Phone Ownership, and Internet Usage by Income Brackets of General Population, 2010

Chapter 2: The Market

• Report Scope
  • Alternative Payments Part of Overall Payments Industry
  • Paper Payments
  • Card Payments
  • Electronic Payments
  • Alternative Payments Defined
• Methodology
  • Alternative Payments Market Data and Sources
  • Consumer Spending Data and Sources
  • Business-to-Consumer Revenues Defined
  • Consumer Spending Comparison to Business-to-Consumer Revenues
  • Payments Market Data and Sources
  • Overlap Between Card and Electronic Payments
  • Card Payment Data and Sources
  • Electronic Payment Types by Code Used for Electronic Payment Market

eCommerce Market Size and Growth

• Total B2C eCommerce Tops $332 Billion
  • Figure 2-1: Total Business-to-Consumer eCommerce Revenue, by Service and Retail Sectors, 2006-2010 (in billions $)
  • Table 2-1: Total Business-to-Consumer eCommerce Revenue, by Service and Retail Sectors, 2006-2010 (in billions $)
  • Figure 2-2: Share of Business-to-Consumer eCommerce Revenue, by Retail and Service Sectors, 2006-2010 (percent)
  • eCommerce Growth Increases Penetration of Consumer Spending
  • Figure 2-3: Penetration of Business-to-Consumer eCommerce Revenues to Total Business-to-Consumer Revenues by Retail and Service Sectors, 2006-2010 (percent)

The Evolving Payments Market

• A Market in Flux as Technologies Change
• Electronic Payments Begin to Rival Cards
  • Electronic Payments Growth Eclipses Card Payments...Sort of
  • Electronic Payments at $3.7 Trillion in 2010
  • Total Card Payment Dollar Volume
  • Figure 2-4: Total Consumer Electronic Payment Dollar Volume and Percentage of Total Business-to-Consumer Revenues, 2006-2010 (trillions $, percent)
  • Figure 2-5: Total Card Payment Dollar Volume and Percentage of Total Business-to-Consumer Revenues, 2006-2010 (trillions $, percent)
  • Table 2-2: Total Card Payment Dollar Volume and Percentage of Total Business-to-Consumer Revenues, 2006-2010 (billions $, percent)
• Payments Mix in U.S. Elusive
  • Figure 2-6: U.S. Business-to Consumer Revenues Payments Mix, 2010 (percent)

Alternative Payments Market Size and Growth

• Alternative Payment Dollar Volume
  • Share Gains Hit Double Digits
  • Figure 2-7: Total Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
  • PayPal Accounts for Bulk
  • Figure 2-8: PayPal and Bill Me Later Combined Share of Total U.S. Alternative Payment Dollar Volume, 2010 (%)
• Pure Play Alternative Payment Dollar Volume
  • Figure 2-9: Total Pure Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
• Card-Funded Alternative Payment Dollar Volume
  • Figure 2-10: Total Card Funded Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
• Economic Recession Effect on Alternative Payments
  • Modest Positive Growth in Spite of Economic Woes
  • Table 2-3: Total Alternative Payment Dollar Volume by Funding Type, 2006-2010 (billions $, percent)
  • Figure 2-11: Share of Alternative Payment dollar Volume by Funding Source: Non-Card versus Card Funded, 2006-2010 (percent)

Market Forecast

• eCommerce Market Forecast to Hit $647 billion by 2015
  • Muted Economic Recovery to Keep Growth Modest
  • Retail eCommerce Growth Faster Than Service
  • Growth May Pick Up in 2012
  • Beyond 2012 Picture Murky
  • Figure 2-12: Total Business-to-Consumer eCommerce Revenue, by Service and Retail Sectors, 2010-2015 (in billions $)
  • Table 2-4: Total Business-to-Consumer eCommerce Revenue, by Service and Retail Sectors, 2000-2007 (in billions $)
• Electronic Payments to Hit $5.2 Trillion
  • Figure 2-13: Total Consumer Electronic Payment Dollar Volume and Percentage of Total Business-to-Consumer Revenues Forecast, 2010-2015 (percent)
• Card Payments Near $4.6 Trillion
  • Figure 2-14: Total Card Payment Dollar Volume and Percentage of Total Business-to-Consumer Revenues Forecast, 2010-2015 (percent)
  • Table 2-5 Total Electronic & Card Payment Dollar Volumes and Total B2C Revenues, 2006-2010 (billions $, percent)
• Total Alternative Payment Dollar Volume to Reach $127 Billion
• Slower Economic Rebound Slows Payment Growth
  • PayPal Remains the Leader
  • Figure 2-15: Total Card Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenues Forecast, 2010-2015 (percent)
  • Mobile Payments Emerging
  • Mobile Payment Outlook
• "Pure Play" Alt Pay Dollar Volume Forecast to $53 Billion
  • Figure 2-16: Total Pure Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenues Forecast, 2006-2010 (billions $, percent)
• Card-Funded Alt Pay Dollar Volume Forecast to $75 Billion
  • Figure 2-17: Total Card Funded Alternative Payment Dollar Volume and Percentage of Total Business-to-Consumer eCommerce Revenue, 2006-2010 (billions $, percent)
  • Table 2-6: Total Alternative Payment Dollar Volume by Funding Type, 2006-2010 (billions $, percent)

Chapter 3: Competitive Landscape

• A Note on Chapter Scope
  • Elastic Marketplace
  • Will Further Stretch
• Endless Alternative Payment Schemes
  • Peer-to-Peer and Direct Payments
  • Table 3-1: Selected U.S. Alternative Payment Competitors by Primary Scheme: P2P and Direct Payment Processors, 2011
  • Delayed Billing, Recurring Payments and Layaway Schemes
  • Table 3-2: Selected U.S. Alternative Payment Competitors by Primary Scheme: Non-Card Credit, Delayed, and Recurring Billing, 2011
  • Mobile Payments
  • Table 3-3: Selected U.S. Alternative Payment Competitors by Primary Scheme: Mobile Payments, 2011
  • eWallets
  • Table 3-4: Selected U.S. Alternative Payment Competitors by Primary Scheme: eWallets, 2011
• Payment Competitors Goals Shift Dramatically
  • Mobile Will Bridge Online and Offline
• In the Meantime, PayPal Continues to Dominate
• Bill Me Later Joins PayPal, Loses Amazon.com
• American Express Quells Revolution
  • Revolution Hype
  • Revolution Lacked of Focus or Compelling Benefit
  • Revolution' s Uphill Battle
  • Conceding Defeat
• American Express Launches Serve
• Is Google Checkout Checking Out?
  • AdWords and Checkout Growing Pains
  • Google Making a Play?
  • See What Sticks
• Visa, MasterCard Still Eager to Be in the Game
  • Visa Nabs CyberSource
  • MasterCard Answers with DataCash
  • Visa Enters Gaming Payments Market
• Mobile Payments Promise Still Unmet
  • Confusion Reigns
  • Consumers & Merchants Stuck in a Rut
  • Catch-22 of Acceptance
• Apple May Jumpstart Mobile Payments
  • 34 NFC-Related Patents
  • Consumer and Merchant Tool in One
  • iTune Accounts Points to Strong Potential Consumer Base
• Customer Adoption of Mobile
  • Nokia Phones to Have NFC
  • Google Thinking Mobile with Android
  • Isis a Viable Threat
  • Apple' s Edge is Branding and Loyalty
  • Cards and Banks Sticker Efforts Nearly Non-Threatening
• Merchant Adoption of NFC Remains Unclear
  • Card Networks Made Some Strides
  • Apple Already Testing NFC for Small Biz
• Again, Things Change Quickly
  • Google Developing Special Cash Register?
  • Is This Just a Classic Rivalry at Work?
• Imagine a World with Apple Payments
  • Conservative Estimate at $820 Million Online in 2012
  • Figure 3-1: Potential Apple, Inc. Payment Platform Gross Dollar Volume by Online and Offline Purchases, 2012-2015 (millions $)
  • Table 3-5: Potential Apple, Inc. Payment Platform Gross Dollar Volume by Online and Offline Purchases, 2012-2015 (millions $)
  • Multiple Players May Create Critical Mass in Mobile Payment Adoption

Chapter 4: Selected Corporate Profiles

PayPal, Bill Me Later (eBay, Inc.)

• PayPal, Bill Me Later Performance
  • Payments Revenues
  • Figure 4-1: PayPal and Bill Me Later Combined Global Net Payment Transaction Revenues and Payment Dollar Volume Take Rate, 2006-2010 (millions $, %)
  • Table 4-1: PayPal and Bill Me Later Combined Global Net Payment Transaction Revenues and Year-over-Year Percentage Change, 2006-2010 (millions $, %)
  • Transactions
  • Figure 4-2: PayPal and Bill Me Later Combined Global Total Payment Transaction Volume and Average Revenue per Transaction, 2006-2010 (millions, $)
  • Table 4-2: PayPal and Bill Me Later Combined Global Total Payment Transactions and Average Revenue per Transaction ($), 2006-2010 (in millions)
  • Dollar Volume
  • Figure 4-3: PayPal and Bill Me Later Combined Global Total Payment Dollar Volume and Average Dollar Value per Transaction ($), 2006-2010 (in billions $)
  • Table 4-3: PayPal and Bill Me Later Combined Global Payment Dollar Volume and Average Value per Transaction, 2006-2010 (millions $, $)
  • U.S. Payment Dollar Volume
  • Figure 4-4: PayPal and Bill Me Later Combined U.S. Total Payment Dollar Volume and Percentage of Total U.S. Alternative Payment Dollar Volume, 2006-2010 (in billions $)
  • Table 4-4: PayPal and Bill Me Later Combined U.S. Payment Dollar Volume and Year-over-Year Percentage Change, 2006-2010 (millions $, $)
  • Active Accounts
  • Figure 4-5: PayPal and Bill Me Later Combined Global Total Active Accounts and Average Number of Transactions per Active Account, 2006-2010 (millions, no.)
  • Table 4-5: PayPal and Bill Me Later Combined Global Active Accounts and Average Transactions per Active Account, 2006-2010 (millions $, $)
  • PayPal Volume
  • Figure 4-6: PayPal Total Global Dollar Volume and Share of Total eBay Payments Dollar Volume, 2006-2010 (billions $, %)
  • Bill Me Later Volume
  • Figure 4-7: Bill Me Later Global Dollar Volume and Share of Total eBay Payments Dollar Volume, 2006-2010 (millions $, %)
  • Table 4-6: PayPal and Bill Me Later Global Payment Dollar Volume and Combined Payment Dollar Volume on a Pro Forma Basis, 2006-2010 (millions $, $)

Amazon Payments

FaceCash

Google Checkout

mFoundry

Obopay

PayNearMe, Inc

PlaySpan, Inc.

• PlaySpan Performance
  • Figure 4-8: PlaySpan, Inc. Revenue, 2006-2010 (millions $)

Secure Vault Payments

• Zong, Inc.
• Other Alternative Payment Players
  • Table 4-7: Other Alternative Payment Players to Watch, 2011

Chapter 5: Marketplace Trends in Alternative Payments

• Payments Industry Suffers Due to Economy
  • For Alt Pay, Not So Bad
• Looking Back at the Great Recession
  • PCE, Card Spending Down, but Alt Pay Up 12%
  • Figure 5-1: U.S. Gross Domestic Product and Personal Consumption Expenditures, 2000-2010 (billions $)
  • By 2010 Everyone on the Rebound
  • Figure 5-2: U.S. Gross Domestic Product and Personal Consumption Expenditures Year-over-Year Percentage Change, 2000-2010 (billions $)
• Consumer Sentiment Foretells Lower Consumer Spending
  • Figure 5-3: University of Michigan' s Consumer Sentiment Index (CSI) and Alternative of Labor Underutilization (U-6), 2007-2010
  • Signs of Economic Improvement
  • Expectations Higher, But Still Cautious
  • Figure 5-4: U.S. Gross Domestic Product and Personal Consumption Expenditures Forecast, 2010-2015 (billions $)
  • Figure 5-5: U.S. Gross Domestic Product and Personal Consumption Expenditures Year-over-Year Percentage Change Forecast, 2010-2015 (billions $)
  • Figure 5-6: Retail Sales per Capita and U.S. Population, 2000-2010 (thousands $, millions persons)
  • Figure 5-7: eCommerce Retail Sales per Capita and Percent of Retail Sales per Capita, 2000-2010 ($, %)
• Alternative Pay, a Dynamic Market
• Consumers Warming to Electronic Alt Pay
• Generational Equilibrium in Certain Payment Related Areas
• Greener Attitudes Want Less Paper
• Growth in Online Shopping Driving Alt Pay
• Cards Still Dominate eCommerce but Alt Pay Making Strides
• Card Networks and Issuers Feel the Heat
  • Card Players Go into Acquisition Mode
• PayPal Open to Real World...and Virtual Opportunities
• Bill Me Later Supplants Card Issuers
• Google Casts a Large Shadow
• Checkout by Amazon Simplifies
• Card Payments Seek Alliances
  • Tapping into Established Technology to Drive Consumer Interest
• MasterCard Introduces a Plan Similar to PayPal X
• NACHA' s Secure Vault Payments Catches a Big Fish
• Social Media Enters the Fray
• Virtual Goods Purchase Increasing
  • P2P Opportunity in Virtual
• Merchants Still Lagging in Offering Alt Pay
  • But Many Other Merchants Benefits
  • eCommerce Fraud Rates
  • Abandonment Issues
• Demographics Defy Merchant Perceptions
  • eLayaway Notes Steady in Average Income of Users
  • Merchant Education Important
• Looking Ahead

Chapter 6: Mobile Pay Marketplace Trends

• Goodbye Landline, Hello Wireless
  • Increase in Smartphones Signals Mobile Payments Time
  • Mobile Payments Already Have Impressive Penetration
• Chaotic for the Foreseeable Future
  • Customer Confusion Near Term Result
• Mobile Payments Bring Alt Pay Offline
  • Changing the Shopping Environment
  • Millennials Will Drive Mobile Pay
• PayPal Currently in Leadership Position
• Banks Shouldn' t Miss the Opportunity
  • Mobile Pay as Point of Differentiation
• Mobile Pay loves iPhone
• Start-ups Getting Foot In Door
  • Start-up Jumio Brings Much Needed Attitude
  • Other Start-Ups Focus on Ease
  • It' s a "Look at Me" World
• Consumer Protections Challenged by Mobile Payments
• Is Mobile Alt Pay the End for Cash, Check and Credit Cards?

Chapter 7: Consumer Payment Preferences and Attitudes

• Note on Experian Simmons Consumer Data
• Robust Consumer Payment Options with Variety of Methods and Forms
• Consumer Bill Pay Methods: Mail Continues to Dwindle
  • Variety and Simplicity of Other Methods Making Mail Obsolete
  • Recession Leads to Resurgence in Certain Methods
  • Table 7-1: Consumer Bill Pay Preferences: Methods Used, 2007-2010 (%)
• Great Recession Had Great Effect on Payments
• Payment Forms Sees Similar Shifting Away from Paper
  • Table 7-2: Consumer Bill Pay Preferences: Forms Used Always, 2009-2010 (%)
  • Online Payments Far Outstrip Card Payments
  • Consumers Comfortable Using Variety of Forms
  • Table 7-3: Consumer Bill Pay Preferences: Forms Used Sometimes, 2009-2010 (%)
• Consumer Bill Pay Demographic Characteristics
  • Demographics of Online Bill Pay Users
  • Recession Effect on Gen-Y
  • Women May Now be Leading Edge in Payments
  • Asians and West Coast Pop for Use
  • The Trifecta: Educated, White-Collar and Home Owners
  • Table 7-4: Demographic Characteristics by Forms Always and Sometimes Used: Online Bill Payment, 2010 (index)
• Credit Card Profile Similar to Online but Skews Older
  • Table 7-5: Demographic Characteristics by Forms Always and Sometimes Used: Credit Card, 2010 (index)
• Stark Contrast between Online Payment and Check User Profile
  • Table 7-6: Demographic Characteristics by Forms Always and Sometimes Used: Check, 2010 (index)
• Cash, Debit/Pre-Paid and Money Order Profile Points to Newbies and Challenged
  • Gen-X, Minorities, Lower Incomes
  • Debit/Pre-Paid Also Shows Similarities with Credit Card Users
  • Table 7-7: Demographic Characteristics by Forms Always and Sometimes Used: Cash, 2010 (index)
  • Table 7-8: Demographic Characteristics by Forms Always and Sometimes Used: Pre-Paid/Debit Card, 2010 (index)
  • Table 7-9: Demographic Characteristics by Forms Always and Sometimes Used: Money Order, 2010 (index)
  • The Mysterious "Other" Portion of Consumers
  • Table 7-10: Demographic Characteristics by Forms Always and Sometimes Used: Other, 2010 (index)

Alternative Payment Focus: PayPal

• Penetration Stalling?
  • Table 7-11: Consumer Use of PayPal, 2007-2010 (%)
• Research Finds PayPal Has Strongest Consumer Recognition
• PayPal User Profile Aligns with Online Payment Profile
  • Gen Y Pops for PayPal
  • Indications that Women Are Prime PayPal Users
  • Asians and West Coast Pop for Use
  • Table 7-12: Demographic Characteristics of PayPal Users: Last 7 Days and last 30 Days, 2010 (index)
  • PayPal Users are Educated, Financially above Average, White-Collar and Home Owners
  • Possible Demographic Shifts for Other Alt Pay Brands
• Connection between Internet Usage and Income
  • Figure 7-1: Comparison of Broadband Access at Home, Cell Phone Ownership, and Internet Usage by Income Brackets of General Population, 2010
  • High Income Internet Users Engage in Online Shopping and Financial Management
  • Figure 7-2: Comparison of Broadband Access at Home, Cell Phone Ownership, and Internet Usage by Income Brackets of General Population, 2010

Consumer Attitudes by Payment Preference

• Attitudes About Shopping: Savvy Value Shoppers
  • Table 7-13: Response to Shopping Statements by Bill Payment Types, 2010 (index)
  • Traditional Payment Form Users less Savvy
• Attitudes About Personal Finance: Insecurity
  • Table 7-14: Response to Personal Finance Statements by Bill Payment Types, 2010 (index)
• Attitudes About The Internet and Internet LIfestyle
  • PayPal, Online Bill Payers More Engaged Shoppers
  • Table 7-15: Response to Internet Related Statements by Bill Payment Types, 2010 (index)

Appendix

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