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市場調查報告書
網上支付與網路銀行的市場展望
The ePayments and eBanking Market Outlook: Competitive advantage and new profit opportunities in a rapidly developing market
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本報告已在2011年07月19日停止出版。
網路當初在市場嶄露頭角的時候，就有許多評論家斷言網路即將取代傳統的銀行管道，成為銀行與消費者間最重要的管道。儘管現今網路就如同評論家分析一般，對銀行整體業務帶來巨大的影響，但是當中唯一不變的事實就是–銀行支店依舊是銀行產業重要的一環。
專門在各產業區塊裡，從事成長市場策略性調查的英國市調公司 Business Insight（總公司：倫敦），詳盡地調查及分析網上支付與網路銀行產業，並出版綜合報告書“The ePayments and eBanking Market Outlook: Competitive advantage and new profit opportunities in a rapidly developing market”。
此報告書使用包括 41 張圖表在內的 112 頁的篇幅，除了探討銀行通路的網路定位、對抗線上犯罪行為的新策略；也預測預付卡及電子錢包市場的成長狀況。此報告書的概略架構如下所示。
第 1 章 說明
第 2 章 歐洲網路銀行的概要
- 各通路分析
- 結論
- 顧客對於網路銀行的態度與行動
- 實用性建言
- 競爭
- 個案
- 至 2007 年的未來預測
- 匯款
- 新型個戶間匯款裝置
第 3 章 線上消費者付款的概要
第 4 章 EBPP：電子帳單遞交•付款
第 5 章 預付卡的分析
第 6 章 線上安全性：打擊犯罪行為
第 7 章 附錄
When the Internet first emerged, many commentators predicted it would overtake traditional banking channels and become the single most important consumer banking channel. However, whilst the Internet has had a huge impact upon the banking landscape, the bank branch has remained a vital part of the banking industry. The ePayments and eBanking Market Outlook: Competitive advantage and new profit opportunities in a rapidly developing market provides a comprehensive analysis of eBanking and ePayments industry. The report examines the position of online in the banking distribution channel mix, details the prospects for growth in the pre-paid card and ePurse markets and outlines new initiatives in combating online fraud. Table of Contents
Executive Summary
- European eBanking overview
- Online consumer payments
- Electronic Bill Presentment and Payment
- Prepaid cards
- Online security
Chapter 1 Report Introduction
- Report structure
- European eBanking overview
- Online consumer payments
- EBPP
- Prepaid cards
- Online security
Chapter 2 The European eBanking
- Overview
- Summary
- Introduction
- Analysis by channel
- The Internet
- The innovation curve
- Internet as a banking channel
- The bank branch
- The future of the bank branch
- Other channels
- Call centres
- ATMs
- iDTV and mobile banking
- Functionality enhancements
- Conclusions
- Account aggregation
- Animated online agents
- Attitudes and behaviour of customers who bank online
- Is the Internet reaching maturity?
- Time spent online per week by European consumers banking online
- Internet usage
- "I am in a better financial position than most people my age"
- "I am very worried about the state of my personal finances"
- Actionable recommendations
- Competition
- Customers banking online with major Internet banks and banks providing Internet banking services
- Egg: case study
- Forecasts to 2007
- Money transfers
- Money transfer facilitators
- Conventional banking money transfer systems
- Emerging consumer money transfer instruments
- Online wallets: PayPal
- Yahoo! PayDirect International
Chapter 3 Online Consumer Payments
- Overview
- Summary
- Introduction
- Consumer online behaviour
- Payment solutions
- Credit and debit cards
- Security initiatives
- Prepaid online payment methods
- P2P payment solutions
- eWallets
- mPayments
Chapter 4 EBPP Electronic Bill
- Presentment and Payment
- Summary
- Introduction
- EBPP electronic bill presentment and payment
- The biller-direct approach
- The biller-direct process
- The consolidator process
- What does the future hold for EBPP?
- The market context
- Advantages arising from EBPP
- Proportion of customers paying their bills online
Chapter 5 Prepaid Cards Analysis
- Summary
- Introduction
- Prepaid products
- Overview of prepaid cards
- The teen population
- Unbanked customers
- Customers who do not possess credit cards
- Customers with bad or no credit history
- Extra advantages from prepaid cards
- Types of prepaid cards
- ePurses
- Why have some ePurses failed where others have succeeded?
- Examples of ePurse schemes
- Examining teen prepaid cards
- Smartcreds and Splash Plastic
- Gift cards
- Travel cards
- Virtual prepaid cards
- Conclusions
Chapter 6 Online Security: Combating Fraud
- Summary
- Introduction
- Card scheme security initiatives
- The UK: the largest eCommerce market in Europe
- Online card fraud
- Card not present fraud
- Fraud related costs
- EMV standard
- Conclusions
Chapter 7 Appendix
List of Figures
- Figure 1.1: Number of people per bank branch in the big five European markets, 2002
- Figure 2.2: Positioning the Internet on the diffusion of innovation curve
- Figure 2.3: Potential of channels to deliver sales, service, advice and transactions
- Figure 2.4: Number of people per bank branch in European markets, 2002
- Figure 4.5: The biller-direct model requires customers to view and pay their bills directly through their service provider's website
- Figure 4.6: The 'consolidator' model relies on central aggregator to present bills and provide payment capabilities for customers through its website
List of Tables
- Table 2.1: European Internet banking customer numbers, 2000 2002
- Table 2.2: European Internet banking customers per capita, 2002
- Table 2.3: Number of branches in Europe, 2002e-2005f, by country
- Table 2.4: Number of people per bank branch in European markets, 2002
- Table 2.5: Penetration of Internet access devices in surveyed European markets, 2002
- Table 2.6: Internet access points in surveyed European markets, 2002
- Table 2.7: Time spent online per week by European consumers banking online
- Table 2.8: Time spent online per week by European consumers who do not bank online
- Table 2.9: Use of the Internet for financial services and leisure purposes by European consumers
- Table 2.10: European consumers who bank online who state that the Internet is their preferred channel over which to purchase specified product or service
- Table 2.11: The opinions on their financial position of European consumers who do bank online: 'I am in a better financial position than most people my age'
- Table 2.12: The opinions on their financial position of European consumers who do not bank online: 'I am in a better financial position than most people my age'
- Table 2.13: The opinions on the state of their personal finances of European consumers who do bank online: 'I am very worried about the state of my personal finances'
- Table 2.14: The opinions on the state of their personal finances of European consumers who do not bank online: 'I am very worried about the state of my personal financ es'
- Table 2.15: European consumers who do not bank online who state that the Internet is their preferred channel over which to purchase specified product or service
- Table 2.16: Customers banking online with major Internet banks and banks providing Internet banking services
- Table 2.17: Egg's customer numbers, December 1999 to December 2002, UK only
- Table 2.18: Targets and assumptions: La Carte Egg
- Table 2.19: European Internet banking customer forecasts, 2003f-2007f
- Table 2.20: European Internet banking technology spend, 2001-2005f
- Table 2.21: Examples of cash collection money transfer providers
- Table 2.22: Examples of providers of international drafts and money services, other than banks
- Table 2.23: Examples of providers of wire money transfer services, other than banks
- Table 2.24: Examples of international online account-based money transfer providers
- Table 3.25: Percentage of consumers that have accessed the Internet from specified locations during the last 12 months
- Table 3.26: Percentage of consumers engaging in specified activity online during the last 12 months
- Table 3.27: Percentage of consumers that have engaged in specified online activity during the last 12 months
- Table 3.28: Percentage of consumers stating that the Internet is their preferred channel for purchasing specified product or service
- Table 3.29: Percentage of consumers that made online purchases via specified means
- Table 4.30: Proportion of customers paying their bills online
- Table 5.31: Teen population in Europe, 2002
- Table 5.32: Examples of ePurse schemes in Europe and the United States
- Table 5.33: Examples of issuers of travel cards in the United States
- Table 6.34: Visa EU eCommerce sales volumes year-on-year growth, Q4 2001-Q4 2002 and Q1 2002 and Q1 2003
- Table 6.35: Percentage of consumers who have researched and ordered products and services online in surveyed European markets, 2002
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