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市場調查報告書

商業支付卡:美國市場、世界市場趨勢 (第9版)

Commercial Payment Cards: U.S. and Global Market Trends - 9th Edition

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出版日期 內容資訊 英文 208 Pages
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商業支付卡:美國市場、世界市場趨勢 (第9版) Commercial Payment Cards: U.S. and Global Market Trends - 9th Edition
出版日期: 2015年10月21日 內容資訊: 英文 208 Pages
簡介

本報告提供美國及全球商業支付卡的市場相關調查、全球、美國、其他主要國家的各種卡片、ACH (自動清算系統) 付款服務的市場規模、市場成長預測、主要部門(卡片網路業者、卡片發行公司、處理者)詳細趨勢、主要市場促進與阻礙因素、卡片用戶簡介,主要企業與品牌簡介等彙整資料。

第1章 摘要整理

第2章 簡介、概要

第3章 市場規模、預測

  • 全球商務卡的市場規模
  • 全球卡消費額的增加
  • China UnionPay消費額
  • 美國的卡消費額趨勢
  • Visa的領導
  • 美國的商務卡消費額趨勢
  • Visa和MasterCard
  • 美國之外的卡消費額趨勢
  • 美國之外的商務卡消費額趨勢
  • 美國的商務卡使用率
  • 支票的使用趨勢
  • 商用付款額整體的卡片付款的佔有率
  • 採購卡的成長
  • 美國的EAP的擴大等

第4章 商務卡促進成長的要素、主要趨勢

  • 全球付款解決方案
  • 全球企業
  • 成果報酬型廣告:各地區
  • 全球付款計劃
  • 快取經營管理策略
  • 卡片的優點
  • 案例:Ericson
  • 全球支票利用減少
  • 美國的支票消費額
  • 支票:支票在美國依然重要
  • 中小規模企業的滯後
  • 帳單支付支票的趨勢
  • B2B電子商務
  • ACH B2B的革新
  • 卡片為基礎的B2B的革新
  • 虛擬卡等

第5章 美國之外的商務卡趨勢

  • 亞太地區
  • 台灣
  • 香港
  • Hang Seng Bank
  • Bank of East Asia
  • 新加坡
  • 韓國
  • Woori Bank
  • Hyundai Card
  • 日本
  • 三井住友銀行
  • 中國
  • 中國的旅遊業的成長與全球卡片市場形成
  • 歐洲
  • 南美
  • Banco Itau
  • Bank of Brazil等

第6章 美國的商務卡利用趨勢

  • 商務信用卡的利用
  • 用戶數和佔有率
  • 商務卡的利用:企業的各雇主規模
  • 商務卡的利用:Fortune 500狀態
  • Fortune 500名單內企業 vs 名單外企業
  • 商務卡普及率
  • 商業用戶等

第7章 商務卡網路業者

  • American Express
  • JCB
  • MasterCard
  • China UnionPay
  • Visa等

第8章 商務卡發行銀行、處理業者

  • Bank of America Merrill Lynch
  • Citibank/ Citi Commercial Cards
  • JP Morgan Chase/Chase Commercial Banking
  • Total System Services, Inc.
  • U.S. Bank等

第9章 商務卡:車隊、旅行、政府

  • 汽油特惠卡
  • 市場規模
  • WEX Inc.
  • 汽油特惠卡
  • 收購
  • 業績
  • Fleetcor Technologies, Inc.
  • Comdata的收購
  • 虛擬卡
  • 業績
  • 航線/旅行
  • Universal Air Travel Plan
  • AirPlus International
  • 政府
  • SmartPay
  • GSA簽帳卡發行業者:Citibank、JPMorgan Chase、U.S.Bank
  • SmartPay
  • 採購卡等

附錄

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目錄
Product Code: LA5718180

Business needs are increasingly global in nature, requiring global payment solutions that meet the needs of companies large and small. But global payments are especially being shaped by a more specific phenomenon: the economic tilt toward Asia, and China in particular, that has come with increasing prosperity among its populations. This wealth, in turn, is causing a seismic shift in global travel that is challenging the decades-old dominance of Western-based payments networks.

This 9th edition of Commercial Payment Cards: U.S. and Global Market Trends presents data and analysis on the global and U.S. market for commercial payment solutions, including cards and automated clearing house (ACH) payment services. The report quantifies the size and growth of the market and presents key metrics within the broader payment card arena. Included are discussions and analysis of the various card associations or networks, commercial payment card types, trends and factors affecting their growth, and a focused analysis of commercial card consumer demographics and preferences. In addition, this report:

  • Provides a commercial card market size and forecast through 2018, with supporting analysis of global, U.S. and no-U.S. consumer and commercial purchase volume growth during 2011-2014. This includes value share among eight leading global networks (American Express; Diner's Club; Discover; JCB; MasterCard; UnionPay and Visa.
  • Provides U.S. small business and middle/large market spend by card network.
  • Includes a combined U.S. ACH/card payments market size through 2015,
  • Provides various commercial payments opportunity analyses, such as U.S. ACH payments growth; our proprietary estimate for 2015 U.S. commercial expenditures; and U.S. enterprise segmentation by revenue and by employment size.
  • Analyzes factors influencing commercial payments growth, including usage of checks over time by business size and check amount; B2B bill payment by check trends; electronic B2B trends, including those driving ACH and card payments; and comparing commercial interchange rates to consumer interchange rates.
  • Assesses trends and card products shaping commercial markets across the globe, including China, other Asia Pacific countries, Europe, and Latin America.
  • Provides guidance on business card usage penetration among the U.S. employed by card brand, business employment size and occupation; among business purchase decision markers by type of involvement, card brand, employment size; and the relationship between business card usage and dollar amounts purchased (analysis is based on Spring 2015 Simmons National Consumer Survey combined with with U.S. Census population estimates)
  • Analyses the commercial payments strategies of American Express, MasterCard, Visa and China UnionPay. This includes analysis of commercial card operations, including growth strategies, card programs, electronic solution evolution, and U.S. and non-U.S. trends.
  • Tabulates 2011-2014 American Express, MasterCard and Visa global, U.S. and non-U.S. commercial and consumer purchase volume.
  • Drills into U.S. small business volume estimates for American Express, MasterCard and Visa, as well as Visa and MasterCard share of U.S. commercial spend attributable to credit cards and debit/prepaid cards.
  • Assesses the commercial card strategies of major U.S. commercial bank players, including Bank of America, Citibank, JPMorgan Chase and U.S. Bank, as well as commercial card processing giant Total System Services. We focus on summarizing their commercial card offerings, their electronic solution evolution, and their increasing international reach.
  • Analyzes the closed-loop commercial fleet card market and the closed loop airline/travel market, focusing on the strategies being employed by industry players such as FleetCor Technologies, Inc., WEX Inc., Universal Air Travel Plan, Inc. and AirPlus International.

Profiles and analyzes the current activity of major card brands and issuers.

Table of Contents

Chapter 1: Executive Summary

  • Report Scope
  • Report Summary
  • Market size and forecast
  • Global commercial card market size
    • China UnionPay spend leads the away
    • Global commercial purchase value share declines-but that's okay
    • Visa maintains commercial card spend lead; MasterCard & CUP grow share
    • U.S. card purchase value trends
    • Visa maintains lead
    • U.S. commercial card purchase value chips away at ACH lead
    • MasterCard gains
    • U.S. small business and middle-/large-market value and share
    • Non-U.S. card purchase volume trends
    • Non-U.S. commercial card purchase value trends
    • U.S. commercial card usage rates on the upswing
    • Check usage trends diverge according to company size
    • Card transactions remain a small slice of commercial payments pie
    • Large market corporations are increasingly converts
    • Purchasing card growth
    • U.S. EAP growth
    • U.S. commercial opportunity: expenditures almost $24 trillion
    • U.S. commercial opportunity: electronic B2B payments top $28 trillion
    • Corporate ACH applications: value and volume
    • Sizing small, middle- & large-market companies by operating revenue
    • Sizing small, middle- & large-market companies by employment size
  • Commercial card growth drivers & trends
    • Global payment solutions for a global world
    • Global payment cash management strategy
    • Cards are a piece of the puzzle
    • Example: Ericson
    • Checks on the decline across the globe
    • U.S. check volume drops 36% in four years
    • B2B check trends less dramatic
    • Larger checks remain a sticking point
    • Checks remain primary method for making and receiving payments among U.S. businesses
    • Small- and medium-sized businesses lag behind larger companies
    • Electronic B2B pushes forward
    • Not just payments
    • ACH B2B innovation
    • It's all about standardization
    • Whoever has the most addenda wins
    • Broadening the net to include small business
    • Keep it under the vest
    • Speed it up!
    • Card-based B2B innovation
    • A virtual card
    • Dynamic discounting: speed up the payment; kick back the discount
    • Example: Taulia
    • Dynamic discounting + supply chain finance
    • Example: Basware Pay
    • Interchange and other fees: a look at the U.S.
    • But are commercial card interchange rates any steeper consumer card rates?
  • Non-U.S. commercial card trends
    • China
    • Plenty of credit card spend-but still a sliver of potential
    • Homegrown dominance
    • Industrial and Commercial Bank of China on top
    • Lagging commercial card solutions
    • Western players
    • Marketplace opening
    • WTO ruling
    • Don't hold your breath
    • CUP competition with Visa
    • Commercial card market to get a boost
    • But interchange bar set low
    • Other Asia Pacific
    • Europe
    • Latin America
  • U.S. commercial card usage trends
    • Business credit card usage universe
    • Business card usage by company employment size
    • Business card usage by Fortune 500 status
    • Business card penetration by occupation
    • Business purchasers
    • Business purchase decisions: involvement type & employment size
    • Business purchase decision-makers: card use, brand & employment size
    • Card ownership correlated to higher annual purchase amounts
  • Commercial card network operators
    • American Express
    • Brand erosion?
    • Location, location, location
    • Small business
    • Small business and corporate card portfolio
    • Small business strategy and trends
    • Movement to category-based rewards tiers
    • Addressing the airport lounge issue
    • Program wins and losses
    • Middle market, large market and global corporation strategy and trends
    • Global Commercial Services
    • Global Corporate Payments
    • Commercial growth via network partnerships
    • Corporate card programs
    • American Express Corporate Card
    • Business-to-business payment solutions
    • Commercial card performance and growth trends
    • Tapering growth ahead
    • JCB
    • Expansion moves
    • MasterCard
    • Commercial payment solutions
    • Small business
    • T&E and B2B
    • Commercial card performance trends
    • Non-U.S. trends
    • U.S. trends
    • China UnionPay
    • Mirroring Chinese market growth
    • And maintaining domestic market dominance-for now
    • While aggressively moving onto the global stage
    • Performance trends: increasing global reach
    • Visa, Inc.
    • Small business strategy
    • Medium-sized and large business strategy
    • The secret sauce
    • PerformSource
      • Visa commercial card value growth trends
    • U.S. trends
  • Commercial card bank issuers & processors
    • Bank of America Merrill Lynch
    • International scope
    • Commercial card solutions
    • Comprehensive Payables
      • Enhancements and expansion
    • Citibank/ Citi Commercial Cards
    • Global reach
    • Well positioned in China
    • Latin America gets global issuing platform
    • JP Morgan Chase/Chase Commercial Banking
    • Opportunity
    • Products & capabilities
    • Performance trends
    • Total System Services, Inc.
    • U.S. Bank
  • Commercial card solutions
    • Electronic solutions
    • Specific verticals
    • International expansion
    • Commercial payments performance trends
    • Commercial card fleet, travel and government
    • Fleet cards
    • Market size
    • WEX Inc.
    • International expansion
    • Fleetcor Technologies, Inc.
    • Comdata acquisition
    • International expansion
    • Performance trends
    • Airline/travel
    • Universal Air Travel Plan
    • AirPlus International
    • Government
    • Prepaid card disbursements
    • Card penetration is program dependent
    • Revenue and fees
    • SmartPay
    • GSA charge card issuers: Citibank, JPMorgan Chase, and U.S. Bank
    • SmartPay spend on the rebound
    • Purchasing cards drive spend

Chapter 2: Introduction and Overview

  • Introduction to commercial payment market product categories and segments
  • Commercial cards
  • Open-loop versus closed loop cards
  • Commercial electronic payments
  • Products and services out of scope

Chapter 3: Market Size and Forecast

  • Global commercial card market size
    • Table 3-1: Global Payment Card Purchase Value: Market Size and Forecast, 2011-2018
  • Global card purchase value grows 54% during 2011-2014
  • China UnionPay spend grows at 4+ the rate of runner-up MasterCard
    • Table 3-2: Global Payment Card Purchase Value, 2011-2014
  • Commercial purchase value share declines-but not a bad thing
    • Table 3-3: Commercial Payment Card Purchase Value and Share: Global, U.S. and Non-U.S., 2011-2014
  • Visa maintains commercial card spend lead; MasterCard & CUP grow share
    • Table 3-4: Global Commercial Payment Card Purchase Value, 2011-2014
  • U.S. card purchase value trends
  • Visa maintains lead
    • Table 3-5: U.S. Payment Card Purchase Value, 2011-2014
  • U.S. commercial card purchase value trends
  • U.S. commercial card purchase value chips away at ACH lead
    • Table 3-6: U.S. Commercial ACH and Card Payment Purchase Value, 2011-2015
  • Visa maintains commercial lead but MasterCard gains
    • Table 3-7: U.S. Commercial Payment Card Purchase Value, 2011-2014
  • U.S. small business and middle-/large-market value and share
    • Table 3-8: U.S. Commercial Payment Card Purchase Value, Small Business vs. Middle/Large Market, by Network, 2012-2014
    • Table 3-9: U.S. Commercial Payment Card Purchase Value Share, Small Business vs. Middle/Large Market, by Network, 2012-2014
  • Non-U.S. card purchase volume trends
    • Table 3-10: Non-U.S. Payment Card Purchase Value, 2011-2014
  • Non-U.S. commercial card purchase volume trends
    • Table 3-11: Non-U.S. Commercial Payment Card Purchase Value, 2011-2014
  • U.S. commercial card usage rates on the upswing
  • Check usage trends diverge according to company size
  • But card transactions remain a small slice of commercial payments pie
    • Graph 3-1: Percent of Payments Made by Corporations, 2013-2014
  • Middle market remains a check magnet
    • Table 3-12: Percent of Payments Made by Corporations: Middle Market vs. Large Market, 2014
  • Large market corporations are increasingly converts
    • Table 3-13: Middle- and Large-Market Card Usage and Card Rebate Amount, 2014
  • Purchasing card growth
  • Hypothetical spend capture
  • U.S. EAP growth
  • Spend categories
  • Spend growth
  • Reported benefits
  • Supplier acceptance
  • U.S. commercial opportunity: expenditures almost $24 trillion
    • Graph 3-2: U.S. Commercial Expenditures, 2009-2015
  • Business vs. government
    • Table 3-14: U.S. Commercial Expenditures, by Input, 2009-2015
  • U.S. commercial opportunity: electronic B2B payments top $28 trillion
    • Graph 3-3: U.S. Commercial B2B Payments Value and Volume, 2009-2015
  • Corporate ACH applications: value and volume
    • Graph 3-4: U.S. Commercial B2B Payments Value: CCD vs. CTX, 2009-2015
    • Table 3-15: U.S. Commercial B2B Payments Value and Percent Growth: CCD vs. CTX, 2009-2015
  • ACH growth
    • Table 3-16: U.S. Commercial B2B Transaction Volume: CCD vs. CTX, 2009-2015
  • Sizing small, middle- & large-market companies by operating revenue
    • Table 3-17: U.S. Enterprises by Receipt Size: Firms, Establishments, Employment, Payroll & Receipts,
  • Amount and Share, 2012
  • Sizing small, middle- & large-market companies by employment size
  • <500 employee firms
    • Table 3-18: U.S. Enterprises by Small Employment Size: Firms, Establishments, Employment, Payroll &
  • Receipts, Amount and Share, 2012
  • 500+ employee firms
    • Table 3-19: U.S. Enterprises by Large Employment Size: Firms, Establishments, Employment, Payroll & Receipts, Amount and Share, 2012

Chapter 4: Commercial Card Growth Drivers & Trends

  • Global payment solutions for a global world
  • Global corporations
    • Table 4-1: U.S. Multinational Companies: Assets, Sales and Employees: U.S. Parents vs. Foreign
  • Affiliates, by Region, 2013
  • China outbound travel reshaping card network landscape
  • Global payment programs
  • Cash management strategy
  • Card benefits
  • A piece of the puzzle
  • Example: Ericson
  • Checks are on the decline across the globe
    • Table 4-2: Check Payment Transaction Value: Percent Change, by Country, 2010-2014
  • U.S. check volume drops 36% in four years
    • Table 4-3: U.S. Payment Transactions by Check, Value and Volume, 2010-2014
  • B2B check trends less dramatic
  • Larger checks remain a sticking point
  • Checks remain primary method for payments among U.S. businesses
    • Graph 4-1: Primary Method for Making and Receiving Payments, 2012
  • Small- and medium-sized businesses lag behind larger companies
    • Graph 4-2: Primary Method for Making and Receiving Payments, by Company Revenue, 2012
  • Bill payment check trends suggest electronic B2B traction
    • Table 4-4: Number of Checks Written: C2B, B2B, B2C and P2P/C2C, 2006-2012
  • Electronic B2B pushes forward
  • Not just payments
  • Card, ACH or both?
  • ACH B2B innovation
  • It's all about standardization
  • Whoever has the most addenda wins
  • Broadening the net to include small business
  • Keep it under the vest
  • And speed it up!
  • Card-based B2B innovation
  • The ingredients
  • A virtual card
  • Dynamic discounting: speed up the payment; kick back the discount
  • Example: Taulia
  • Dynamic discounting + supply chain finance
  • Example: Basware Pay
    • Graph 4-3: Basware Pay: How it Works, 2015
  • Example: SAP Financial Services Network
    • Graph 4-4: Pay-by-Visa SAP Payment Solution: How it Works, 2015
  • Example: Paymode-X
  • Interchange and other fees
  • Example: the U.S.
  • Cost to B2B organizations
    • Table 4-5: Processing Costs by Payment Method, 2014
  • But are commercial card interchange rates any steeper consumer card rates?
  • Not for credit
  • But for debit
    • Table 4-6: MasterCard U.S. Standard Consumer, Small Business and Large Market Interchange Rates:
  • Interchange by Purchase Amount Comparison, 2015
  • Large ticket items get a break
    • Table 4-7: MasterCard U.S. Interchange Rates: Commercial Large Ticket MPG/ Commercial Payments Accounts, by Dollar Value, 2015

Chapter 5: Non-U.S. Commercial Card Trends

  • Asia Pacific
  • Taiwan
  • Hong Kong
  • Hang Seng Bank
  • Bank of East Asia
  • Singapore
  • South Korea
  • Woori Bank
  • Hyundai Card
  • Japan
  • Sumitomo Mitsui Banking Corporation
  • China
  • China travel growth shaping global card marketplace
    • Table 5-1: Top Ten Chinese Banks, by Credit Card Transaction Value, 2013-2014
  • Plenty of credit card spend-but still a sliver of potential
    • Table 5-2: China Credit Card Transaction Value and Cards Issued, 2011-2014
  • Homegrown dominance
  • Industrial and Commercial Bank of China on top
  • But lagging commercial card solutions
  • Western players
  • Marketplace opening
  • WTO ruling
  • Don't hold your breath
  • Relationship with Visa
  • Commercial card market to get a boost
  • But interchange bar set low
  • Europe
  • Growth trends
  • Interchange benefit
  • Diner's Club and American Express get snubbed
  • Latin America
  • Banco Itaú
  • Bank of Brazil

Chapter 6: U.S. Commercial Card Usage Trends

  • Business credit card usage universe
    • Table 6-1: Employed Adults 18+ Who Have a Business Credit Card, by Card Brand: Penetration,
  • Users and Share, 2015
  • Business card usage by company employment size
    • Table 6-2: Employed Adults 18+ Who Have a Business Credit Card, by Card Brand: Usage Penetration,by Company Employment Size, 2015
    • Table 6-3: Employed Adults 18+ Who Have a Business Credit Card, by Card Brand: Millions of Users,by Company Employment Size, 2015
    • Table 6-4: Employed Adults 18+ Who Have a Business Credit Card, by Card Brand: Usage Share,by Company Employment Size, 2015
  • Business card usage by Fortune 500 status
    • Table 6-5: Employed Adults 18+ Who Have a Business Credit Card, by Card Brand: Usage Penetration,
  • Fortune 500 Company vs. Non-Fortune 500 Company, 2015
    • Table 6-6: Employed Adults 18+ Who Have a Business Credit Card, by Card Brand: Millions of Users,
  • Fortune 500 Company vs. Non-Fortune 500 Company, 2015
    • Table 6-7: Employed Adults 18+ Who Have a Business Credit Card, by Card Brand: Usage Share,
  • Fortune 500 Company vs. Non-Fortune 500 Company, 2015
  • Business card penetration by occupation
    • Table 6-8: Employees and Employees with Business Cards: Penetration, Users and Share, 2015
  • Business purchasers
    • Table 6-9: Employees Making Business Purchasing Decision in Last 12 Months and Types of Decision
  • Involvement: Penetration, Users and Share, 2015
  • Business purchase decisions: involvement type & employment size
    • Table 6-10: Employees Making Business Purchasing Decision in Last 12 Months and Types of Decision
  • Involvement: Usage Penetration, by Company Employment Size, 2015
    • Table 6-11: Employees Making Business Purchasing Decision in Last 12 Months and Types of Decision
  • Involvement: Millions of Users, by Company Employment Size, 2015
  • Business purchase decision-makers: card use, brand & employment size
    • Table 6-12: Business Purchase Decision Makers Who Have a Business Credit Card, by Card Brand:
  • Usage Penetration, by Company Employment Size, 2015
    • Table 6-13: Business Purchase Decision Makers Who Have a Business Credit Card, by Card Brand: Millions of Users, by Company Employment Size, 2015
  • Card ownership correlated to higher annual purchase amounts
    • Table 4-1: Annual Purchase Amounts: All Purchase Decision Makers and Purchase Decision Makers with Business Credit Cards, 2015

Chapter 7: Commercial Card Network Operators

  • American Express
  • Value proposition
    • Challenges
  • Commercial card operating segments and customer bases
  • Special services and programs abound
  • Membership Rewards
    • Global reach
    • U.S. program in a nutshell
  • Small business and corporate card portfolio
    • Table 7-1: American Express Small Business and Corporate Own-Brand & Co-Branded Credit Card Programs, 2015
  • Small business strategy and trends
    • Movement to category-based rewards tiers
    • SimplyCash gets a reboot
    • Business Gold follows
    • Addressing the airport lounge issue
    • Program wins and losses
  • Middle market, large market and global corporation strategy and trends
  • Global Commercial Services
    • Global Corporate Payments
  • Commercial growth via network partnerships
  • Corporate card programs
    • American Express Corporate Card
    • Table 7-2: American Express Corporate Cards: Types, by Countries Offered, 2012-2014
  • Business-to-business payment solutions
    • Corporate Purchasing Card
    • Business Travel Account
    • vPayment
    • Buyer initiated payments
    • Online management tools
    • Savings at Work
    • American Express Global Business Travel
  • Commercial card performance and growth trends
    • B2B emphasis
    • GNS partnerships
  • American Express consumer and commercial card value growth trends
    • Middle market provides silver lining
    • Tapering growth ahead
    • Table 7-3: American Express Global Billed Business: Consumer & Commercial by Type, 2010-2014
    • Non-U.S. trends
    • Table 7-4: American Express Non-U.S. Billed Business: Consumer & Commercial by Type, 2010-2014
    • U.S. trends
    • Table 7-5: American Express U.S. Billed Business: Consumer & Commercial by Type, 2010-2014
  • JCB
    • Table 7-6: JCB Global Total and Commercial Card Dollar Volume, 2011-2014
  • MasterCard
  • Gaining traction
    • Table 7-7: U.S. General-Purpose Credit Card/Charge Card Purchase Value by Operating Network:Actual and Indexed Growth, 2007-2014
  • Commercial payment solutions
  • Overarching commercial card strategy
    • Leveraging the location advantage
    • Direct-to-corporate sales strategy
    • MasterCard Smart Data
    • MasterCard inControl
    • Tapping MasterCard Advisors
    • The art and timing of the cross-sell
  • SME and large business strategy
  • Small business strategy
    • An integrated approach
    • MasterCard Business Network: negotiating strength for small business
  • T&E and B2B strategy
  • MasterCard commercial card value growth trends
  • Global trends
    • Table 7-8: MasterCard Global Consumer & Commercial Purchase Volume: 2010-2014
    • Table 7-9: MasterCard Global Consumer & Commercial Purchase Volume: Debit vs. Credit, 2010-2014
  • Non-U.S. trends
  • Slowing growth in Asia Pacific
    • Table 7-10: MasterCard Non-U.S. Consumer & Commercial Purchase Volume: Debit vs. Credit, 2010-2014
  • U.S. trends
    • Table 7-11: MasterCard U.S. Consumer & Commercial Purchase Volume: Debit vs. Credit, 2010-2014
  • Drilling down
    • Table 7-12: MasterCard U.S. Commercial Credit and Debit Purchase Volume: Small Business vs. Large
    • Business, 2012-2014
  • China UnionPay
  • Growth strategy
  • Mirroring Chinese market growth
    • Table 7-13: China Interbank Payment Value and Volume, 2011-2014
  • And maintaining domestic market dominance-for now
  • While aggressively moving onto the global stage
  • Hong Kong and Macao
  • South Korea
  • Singapore and Taiwan
  • Japan
  • Australia
  • Russia
  • Europe and North America
  • Bottom line: increasing global reach
    • Table 7-14: UnionPay International Card Metrics, 2011-2014
  • Cross-border commerce and ecommerce
  • By the numbers
    • Table 7-15: China UnionPay Purchase Value: Credit, Debit and Commercial, 2011-2014
  • Visa
  • Commercial payment solutions
  • The cards
    • Table 7-16: Visa Card Programs, by Type and Vertical, 2015
  • The added value
    • Table 7-17: Visa Reporting, Payables and Supplier Management Tools, by Type, 2015
  • Small business strategy
  • Medium-sized and large business strategy
  • Scratching the surface: the cards
  • Beneath the surface: harnessing data, simplifying process and growing spend
  • IntelliLink
  • PerformSource
  • Visa Payables Automation
  • The CyberSource connection
  • Industry vertical solutions
  • Virtual travel card solution
  • Multinational card platform provides enhanced data and efficiencies
  • Visa consumer and commercial card value growth trends
  • Global commercial card leadership
    • Table 7-18: Visa Global, U.S. and Non-U.S. Consumer & Commercial Card Purchase Volume, 2010-2014
  • Commercial credit and debit
    • Table 7-19: Visa Global, U.S. and Non-U.S. Consumer & Commercial Card Purchase Volume: Credit vs. Debit, 2012-2014
  • Non-U.S. trends
    • Table 7-20: Visa Non-U.S. Consumer and Commercial Card Purchase Value: Credit and Debit, 2012-2014
  • Small business share above middle/large market share
    • Table 7-21: Visa Non-U.S. Commercial Card Purchase Value: Small Business vs. Large Business, 2012-2014
  • U.S. trends
    • Table 7-22: Visa U.S. Consumer and Commercial Card Purchase Value: Credit and Debit, 2012-2014
  • Commercial credit card versus commercial debit/prepaid
    • Table 7-23: Visa U.S. Commercial Credit and Debit Card Purchase Value: Small Business vs. Large
  • Business, 2012-2014

Chapter 8: Commercial Card Bank Issuers & Processors

  • Bank of America Merrill Lynch
  • U.S. presence
  • International scope
  • Commercial card solutions
    • Table 8-1: Bank of America Merrill Lynch Card Solutions, 2015
  • Comprehensive Payables
  • Paymode-X and ePayables
  • Works
  • Enhancements and expansion
  • Performance trends
    • Table 8-2: Bank of America, Consumer and Small Business Card Metrics, 2012-2014
  • Citibank/ Citi Commercial Cards
  • Expansion and enhancements
  • Product rollouts
  • International growth
  • Well positioned in China
  • Latin America gets global issuing platform
  • JP Morgan Chase/Chase Commercial Banking
  • Opportunity
  • But domestic only, please
  • Products & capabilities
  • Cards
  • Show me the money: single-use accounts
    • Table 8-3: JPMorgan Chase: Single-Use Account Cost Benefits and ROI
  • Electronic solutions
  • Performance trends
    • Table 8-4: JPMorgan Chase: Consumer, Small Business and Commercial Credit Card Metrics, 2012-2014
  • Total System Services, Inc.
  • Europe expansion
    • Table 8-5: Total System Services: Consumer, Commercial, Government & Prepaid Accounts, Q1 2014 vs. Q1 2015
  • U.S. Bank
  • Commercial card solutions
  • Rewards
  • Electronic solutions
  • Access Online gets an upgrade
  • Healthcare
  • Fuel solutions
  • International expansion
  • Middle market focus
  • Commercial payments performance trends
    • Table 8-6: U.S. Bank: Debit Card, Consumer and Commercial Credit Card, and Merchant Acquiring
  • Transaction Value, 2014-2015

Chapter 9: Commercial Card Fleet, Travel and Government

  • Fleet cards
  • Market size
  • WEX Inc.
  • Fleet cards
  • Acquisitions
  • Performance trends
    • Table 9-1: WEX Fleet Payment Solutions Metrics, 2012-2014
  • Fleetcor Technologies, Inc.
    • Table 9-2: FleetCor U.S. & International Fuel Networks and Network Locations, 2014
  • Comdata acquisition
  • And that's not all
  • Virtual cards
  • Performance trends
    • Table 9-3: FleetCor U.S. & International Fuel Networks and Network Locations, 2014
  • Airline/travel
  • Universal Air Travel Plan
  • AirPlus International
  • Government
  • Prepaid card disbursements
  • Card penetration is program dependent
    • Table 9-4: Government Prepaid Card Disbursements, by Program, 2014
  • Revenue and fees
  • SmartPay
  • GSA charge card issuers: Citibank, JPMorgan Chase, and U.S. Bank
  • SmartPay spend on the rebound
    • Table 9-5: GSA SmartPay Program Spend, Transaction Volume and Cards, 2011-2015
  • Purchasing cards drive spend
    • Table 9-6: GSA SmartPay Program Spend: Purchasing, Travel and Fleet, 2011-2015
    • Table 9-7: GSA SmartPay Program Spend Share by Bank: Purchasing, Travel and Fleet, 2015
  • Department of Defense and Veteran Affairs contribute two-thirds of spend
  • Table 9-8: GSA SmartPay Program Spend: Top 10 Departments, 2014

Appendix

  • Methodology
  • Consumer survey methodology
  • Market size methodology
  • Volume estimates
  • End users included
  • Value not included
  • Other
  • Sources
  • Abbreviations
  • Terms
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