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市場調查報告書

富裕階級信用卡的最佳業務實踐

Insight Report: Best Practices for Credit Cards for Mass Affluent Consumers

出版商 Timetric 商品編碼 298730
出版日期 內容資訊 英文 79 Pages
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富裕階級信用卡的最佳業務實踐 Insight Report: Best Practices for Credit Cards for Mass Affluent Consumers
出版日期: 2014年04月02日 內容資訊: 英文 79 Pages
簡介

本報告提供主要市場的富裕階級(大眾富裕階級)高級信用卡調查分析,提供現狀與未來預測,富裕階級重視的主要推動因素,卡片發行公司的最佳業務實踐和主要策略,高級信用卡的附加價值,主要市場最佳業務實踐與策略的成功案例相關驗證,為您概述為以下內容。

第1章 摘要整理

第2章 全球高級信用卡部門趨勢

  • 產業概要和未來預測
  • 主要趨勢與推動因素

第3章主要市場富裕階級信用卡

  • 美國
  • 英國
  • 加拿大
  • 澳洲
  • 韓國
  • 巴西
  • 俄羅斯
  • 科威特

第4章 最佳業務實踐和案例研究

  • 最佳業務實踐
  • 案例研究

第5章 附錄

圖表

目錄
Product Code: VR1033MR

The report provides insights into premium credit cards offered to mass affluent customers in key markets. It provides:

  • A global snapshot of current market dynamics for premium credit cards and their future outlook
  • Insights into the key factors driving increased focus on mass affluent customers
  • Insights into best practices and key strategies adopted by card issuers across key card markets
  • Information on value-added features offered by premium credit cards to attract customers
  • Case examples which highlight the successful enactment of best practices and strategies in key markets

Summary

Banks and other card issuers are increasingly focusing on credit cards designed to target mass affluent consumers. Even though mass affluent consumers represent a relatively small percentage of their total customer base, the revenue generated from them is high - mainly due to their deeper banking relationships that involve deposit accounts, mortgages, investment, and asset and wealth management, among others.

Mass affluent consumers spend more while shopping, traveling and purchasing services than mass market consumers. Moreover, the spending patterns of mass affluent consumers are generally less impacted during economically difficult times. Mass affluent customers are also traveling more than ever, and forecasts for outbound trips indicate that this trend will continue over the next five years in key economies. Consequently, both issuers and card schemes are partnering with airlines, hotels and resorts, and luxury brands to offer enhanced benefits on credit cards. Mass affluent customers are often offered lounge access at airports, free and discounted air tickets, preferential treatment at hotels and resorts, free valet parking, discounted limousine services, and insurance cover that ranges from travel accident to lost and delayed baggage, to trip cancellation. Card issuers and schemes also frequently offer roadside assistance, emergency legal and medical referrals, cash help in cases of loss or theft, and emergency card replacement services.

Capitalizing on private banking and wealth management relationship, the use of mass affluent brands such as Visa Infinite, and issues of 'black' card editions are general strategies for card issuers, key markets such as South Korea and Brazil also have their own segmentation strategies. Issuers in South Korea use alphabets and numbers to distinguish their card offerings, while the use of other colors such as purple and red, which reflect royalty and wealth, have also gained attention. Issuers in Brazil often focus on sports events and limited-edition cards, and some segment their card offerings based on monthly income. In Russia, preset credit limits are a key segmentation strategy.

Scope

  • This report covers the market size of mass affluent consumers in eight key card markets.
  • This report provides a comparative analysis of benefits and services offered by 45 premium credit cards in key card markets.
  • It covers key business drivers for card issuers to issue credit cards for mass affluent customers.
  • It covers key strategies adopted by card issuers for all eight countries covered in the report.
  • It also provides case studies based on best practices adopted by the card issuers in these countries.

Reasons To Buy

  • Gain insights into market potential for mass affluent customers in eight key markets.
  • Gain insights into the product proposition strategies of card issuers in key markets.
  • Gain insights into the current and future dynamics of premium credit card markets.
  • Understand emerging trends and drivers for premium credit cards.

Table of Contents

1. Executive Summary

2. Global Premium Credit Card Sector Dynamics

  • 2.1. Industry Snapshot and Future Outlook
  • 2.2. Key Trends and Drivers
    • 2.2.1. Emerging trends
    • 2.2.2. Market drivers

3. Credit Cards for Mass Affluent Consumers in Key Markets

  • 3.1. The US
    • 3.1.1. Market potential - number of mass affluent customers
    • 3.1.2. Product comparison
    • 3.1.3. Strategies
  • 3.2. The UK
    • 3.2.1. Market potential - number of mass affluent customers
    • 3.2.2. Product comparison
    • 3.2.3. Strategies
  • 3.3. Canada
    • 3.3.1. Market potential - number of mass affluent customers
    • 3.3.2. Product comparison
    • 3.3.3. Strategies
  • 3.4. Australia
    • 3.4.1. Market potential - number of mass affluent customers
    • 3.4.2. Product comparison
    • 3.4.3. Strategies
  • 3.5. South Korea
    • 3.5.1. Market potential - number of mass affluent customers
    • 3.5.2. Product comparison
    • 3.5.3. Strategies
  • 3.6. Brazil
    • 3.6.1. Market potential - number of mass affluent customers
    • 3.6.2. Product comparison
    • 3.6.3. Strategies
  • 3.7. Russia
    • 3.7.1. Market potential - number of mass affluent customers
    • 3.7.2. Product comparison
    • 3.7.3. Strategies
  • 3.8. Kuwait
    • 3.8.1. Market potential - number of mass affluent customers
    • 3.8.2. Product comparison
    • 3.8.3. Strategies

4. Best Practices and Case Studies

  • 4.1. Best Practices
    • 4.1.1. Customer engagement using social media
    • 4.1.2. Partnerships with merchants and service providers
    • 4.1.3. Product segmentation and rebranding to offer simplified products
    • 4.1.4. Building wider banking relationships with customers
  • 4.2. Case Studies
    • 4.2.1. Customer engagement through social media - Amex's growing presence on social networks
    • 4.2.2. Product bundling - HSBC's linking of the Premium credit card with Premium banking
    • 4.2.3. Branding strategy - Hyundai Card's use of letter and number cards
    • 4.2.4. Customer segmentation - KFH offering different packages to target a wider customers base

5. Appendix

  • 5.1. Methodology
  • 5.2. Contact Timetric
  • 5.3. About Timetric
  • 5.4. Timetric's Services
  • 5.5. Definitions
  • 5.6. Disclaimer

List of Tables

  • Table 1: Premium Credit Cards - Current Developments and Future Outlook
  • Table 2: Premium Credit Cards - Industry Dynamics by Country
  • Table 3: Mass Affluent Populations in Key Premium Card Markets (% of Total Population)
  • Table 4: Social Media Across Retail Banking Functions
  • Table 5: Outbound Business or Leisure Trips (Million)
  • Table 6: The Mass Affluent Population in the US (Million), 2009-2018
  • Table 7: The US - Credit Card Fees and Credit Limits
  • Table 8: The US - Credit Card Benefits
  • Table 9: The Mass Affluent Population in the UK (Million), 2009-2018
  • Table 10: The UK - Credit Card Fees and Credit Limits
  • Table 11: The UK - Credit Card Benefits
  • Table 12: The Mass Affluent Population in Canada (Million), 2009-2018
  • Table 13: Canada - Credit Card Fees and Credit Limits
  • Table 14: Canada - Credit Card Benefits Offered
  • Table 15: The Mass Affluent Population in Australia (Million), 2009-2018
  • Table 16: Australia - Credit Card Fees and Credit Limits
  • Table 17: Australia - Credit Card Benefits Offered
  • Table 18: The Mass Affluent Population in South Korea (Million), 2009-2018
  • Table 19: South Korea - Credit Card Fees and Credit Limits
  • Table 20: South Korea - Credit Card Benefits Offered
  • Table 21: The Mass Affluent Population in Brazil (Million), 2009-2018
  • Table 22: Brazil - Credit Card Fees and Credit Limits
  • Table 23: Brazil - Credit Card Benefits Offered
  • Table 24: The Mass Affluent Population in Russia (Thousand), 2009-2018
  • Table 25: Russia - Credit Card Fees and Credit Limits
  • Table 26: Russia - Credit Card Benefits Offered
  • Table 27: The Mass Affluent Population in Kuwait (Thousand), 2009-2018
  • Table 28: Kuwait - Credit Cards Fees and Credit Limits
  • Table 29: Kuwait - Credit Card Benefits Offered
  • Table 30: Kuwait Finance House - Credit Cards Offered

List of Figures

  • Figure 1: Relationship Pricing Models
  • Figure 2: The Mass Affluent Population in the US (Million), 2009-2018
  • Figure 3: The Mass Affluent Population in the UK (Million), 2009-2018
  • Figure 4: The Mass Affluent Population in Canada (Million), 2009-2018
  • Figure 5: The Mass Affluent Population in Australia (Million), 2009-2018
  • Figure 6: The Mass Affluent Population in South Korea (Million), 2009-2018
  • Figure 7: The Mass Affluent Population in Brazil (Million), 2009-2018
  • Figure 8: The Mass Affluent Population in Russia (Thousand), 2009-2018
  • Figure 9: The Mass Affluent Population in Kuwait (Thousand), 2009-2018
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