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市場調查報告書

轉帳卡忠誠度計畫

Insight Report: Debit Card Loyalty Programs

出版商 Timetric 商品編碼 324429
出版日期 內容資訊 英文 61 Pages
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轉帳卡忠誠度計畫 Insight Report: Debit Card Loyalty Programs
出版日期: 2015年02月13日 內容資訊: 英文 61 Pages
簡介

金融卡發行公司,使用忠誠度獎勵計劃作為獲得和包圍客戶的方式。透過計劃,可加深銀行關係,產生收益的空間。

本報告提供轉帳卡忠誠度計畫調查分析、市場機會及消費者的愛好、新興忠誠度模式、技術的影響、法規的效力、主要策略等相關的系統性資訊。

第1章 摘要整理

第2章 扣款的機會

  • 轉帳卡的利用,繼續全球性成長
  • 從信用轉移到扣款,使次貸危機持續

第3章 轉帳卡忠誠度計畫和趨勢

  • 消費者愛好的變化
  • 忠誠度計畫的商人資金籌措和銀行收益的影響
  • 關係計劃
  • 轉帳卡忠誠度計畫的外包
  • 行動付款和數位錢包的影響

第4章 作為活期存款戶頭轉換推動因素的忠誠度計畫和利潤

第5章 轉帳卡忠誠度計畫的法規效力

第6章 主要市場的轉帳卡忠誠度計畫

  • 美國
  • 加拿大
  • 英國
  • 澳洲
  • 西班牙
  • 韓國

第7章 案例研究

  • Bank of America
  • Pinnacle Bank
  • Bank of Montreal
  • Lloyds

第8章 附錄

圖表

目錄
Product Code: VR1039MR

Debit card issuers use loyalty and reward programs as tools for customer acquisition and retention, as the programs provide scope to deepen banking relationships and generate revenue. A number of challenges, including regulation, have limited issuers' ability to fund reward and loyalty programs through interchange revenue. Loyalty programs have become highly commoditized, leading to perceive falls in their values by consumers, and compelling debit card issuers to re-evaluate their strategies and adopt new loyalty solutions.

Changes in technology, regulation and consumer behavior influenced the evolution of debit card loyalty programs during the last decade. Loyalty programs are maturing in many countries, rewarding customers' overall banking relationships, rather than just debit card spending. Products such as overdrafts, direct debits, utility payments and savings accounts offer room for increased revenue generation for banks, compensating for lower interchange fees earned from debit card spending. Both issuers and card schemes are partnering with airlines, hotels, resorts and retailers to offer merchant-funded rewards. In addition, banks have increasingly focused resources on core banking, due to rising pressure on profits. Consequently, peripheral activities such as marketing and loyalty programs for debit cards are increasingly being outsourced.

Summary

The report provides insights into the changing dynamics of debit card loyalty programs:

  • It analyzes market opportunities and consumer preferences for debit cards.
  • It explores emerging loyalty models for debit card customers.
  • It discusses the impact of technology such as advent on of mobile payments on loyalty and cost.
  • It captures the impact of changing regulatory dynamics.
  • It explores key strategies deployed by debit card issuers.

Scope

  • This report covers top-level data of global debit card use and comparative market shares of debit and credit cards.
  • It includes top-level review and forecast data (2010-2019) for debit card use in selected markets.
  • It provides comparative analysis of key loyalty programs in selected markets.
  • It covers recent and expected regulatory changes affecting debit card loyalty programs in key markets.
  • It includes case studies to highlight industry best practice and market trends.

Reasons To Buy

  • Gain understanding of the changing landscape in the debit card market. Can debit card loyalty programs offer similar incentives to credit card loyalty programs
  • Understand how market leaders are modifying loyalty programs in a highly challenging and competitive market
  • Deep dive into market trends to understand if your organization requires a shift in its loyalty model.

Table of Contents

1. Executive Summary

2. The Debit Opportunity

  • 2.1. Debit Card Use Continues to Grow Globally
  • 2.2. Shift from Credit to Debit Following the Subprime Crisis

3. Debit Card Loyalty Programs and their Dynamics

  • 3.1. Changing Consumer Preferences
  • 3.2. Merchant Funding of Loyalty Programs and its Effect on Banking Profitability
  • 3.3. Relationship Programs
  • 3.4. Outsourcing of Debit Card Loyalty Programs
  • 3.5. The Effect of Mobile Payments and Digital Wallets

4. Loyalty Programs and Rewards as Drivers of Current Account Switching

5. The Effect of Regulation on Debit Card Loyalty Programs

6. Debit Card Loyalty Programs in Key Markets

  • 6.1. The US
    • 6.1.1. Comparative analysis of key loyalty programs
    • 6.1.2. Strategies adopted by key banks
  • 6.2. Canada
    • 6.2.1. Comparative analysis of key loyalty programs
    • 6.2.2. Strategies adopted by key banks
  • 6.3. The UK
    • 6.3.1. Comparative analysis of key loyalty programs
    • 6.3.2. Strategies adopted by key banks
  • 6.4. Australia
    • 6.4.1. Comparative analysis of key loyalty programs
    • 6.4.2. Strategies adopted by key banks
  • 6.5. Spain
    • 6.5.1. Comparative analysis of key loyalty programs
    • 6.5.2. Strategies adopted by key banks
  • 6.6. South Korea
    • 6.6.1. Comparative analysis of key loyalty programs
    • 6.6.2. Strategies adopted by key banks

7. Case Studies

  • 7.1. Bank of America - 'Keep the Change' Initiative Helped to Acquire Customers
  • 7.2. Pinnacle Bank - Partnership with Fiserv to Improve Debit Card Loyalty
  • 7.3. Bank of Montreal - Targeting Frequent Flyers with Air Mile Rewards
  • 7.4. Lloyds - Merchant-Funded Rewards to Reduce Costs

8. Appendix

  • 8.1. Methodology
  • 8.2. Contact Timetric
  • 8.3. About Timetric
  • 8.4. Timetric's Services
  • 8.5. Disclaimer

List of Tables

  • Table 1: Debit Card Reward and Loyalty Programs - Current Developments and Future Outlook
  • Table 2: Debit Cards vs Prepaid Cards in Selected Countries, 2014
  • Table 3: The Impact of Regulation on Banks' Incomes
  • Table 4: The US - Comparison of Debit Card Loyalty Programs
  • Table 5: Canada - Comparison of Debit Card Loyalty Programs
  • Table 6: The UK - Comparison of Debit Card Loyalty Programs
  • Table 7: Australia - Comparison of Debit Card Loyalty Programs
  • Table 8: Spain - Comparison of Debit Card Loyalty Programs
  • Table 9: South Korea - Comparison of Debit Card Loyalty Programs

List of Figures

  • Figure 1: Global Debit Card Transaction Volumes and Values, 2010-2014
  • Figure 2: Global Transaction Volumes - Debit Cards vs Credit and Charge Cards (%)
  • Figure 3: Regional Transaction Volumes - Debit vs Credit Cards (%)
  • Figure 4: Key Success Factors in a Loyalty Program
  • Figure 5: Analysis of Key Consumer Segments
  • Figure 6: Payment Source Preferences in the Mobile Domain, 2012
  • Figure 7: Comparison of Loyalty Models
  • Figure 8: Percentage of Respondents Forming New Primary Relationships with Banks, 2013
  • Figure 9: Comparative Assessment of Debit Card Loyalty Programs in Key Developed Economies
  • Figure 10: The US - Debit Card Transaction Volumes and Values, 2010-2019
  • Figure 11: Canada - Debit Card Transaction Volumes and Values, 2010-2019
  • Figure 12: The UK - Debit Card Transaction Volumes and Values, 2010-2019
  • Figure 13: Australia - Debit Card Transaction Volumes and Values, 2010-2019
  • Figure 14: Spain - Debit Card Transaction Volumes, 2010-2019
  • Figure 15: South Korea - Debit Card Transaction Volumes and Values, 2010-2019
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