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Merchant-Funded Rewards: Issuers Regroup After Disappointment

出版商 Mercator Advisory Group, Inc. 商品編碼 316307
出版日期 內容資訊 英文 21 Pages
商品交期: 最快1-2個工作天內
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加盟店負擔的獎勵計劃:卡片發行業者的再挑戰 Merchant-Funded Rewards: Issuers Regroup After Disappointment
出版日期: 2014年10月10日 內容資訊: 英文 21 Pages




  • 數家卡片發行業者公司的加盟店負擔的獎勵計劃的比較
  • 與卡片合作的商品報價:供應商環境的檢討
  • 新加入廠商帶給付款主導型的商品報價模式的混亂分析
  • 與卡片合作的商品報價之美國消費者的信用消費額的估計與預測


  • Affinity Solutions
  • Ally Bank
  • American Express
  • Bank of America
  • Capital One
  • CardLinx
  • Cardlytics
  • Card Spring
  • Cartera Commerce
  • Discover
  • Edo Interactive
  • Fifth Third
  • First Data
  • FreeMonee
  • Linkable Networks
  • Living Social
  • Lloyds
  • MasterCard
  • PNC
  • Regions
  • Truaxis
  • Twitter

The market was buzzing with optimism in 2012 when Mercator Advisory Group last addressed the topic of merchant-funded rewards for credit card holders. Venture capital investment was abundant, and vendors of card-linked offer solutions were confident that their technology would quickly transform retailers' promotional strategies and credit card issuers' reward programs.

This year's market review finds that merchant-funded reward programs have not delivered the results many financial institutions had expected. The last two years have indeed been a learning experience for all parties involved in this emerging industry.

Mercator Advisory Group's most recent research report, Merchant-Funded Rewards: Issuers Regroup After Disappointment , reviews legacy models and emerging technology solutions for card-linked merchant-funded reward programs, diagnoses the causes of the industry's underwhelming performance, and explains how financial institutions can still get value from these programs.

"Payments and commerce are becoming more intertwined every day," comments Michael Misasi, senior analyst at Mercator Advisory Group and author of the report. "Card-linked offer programs combine elements of payments, digital advertising, rewards, and loyalty. Cross-industry collaboration will be crucial for financial institutions and payment services providers to realize the opportunity inherent in this emerging business."

This report contains 21 pages and 4 exhibits.

Companies mentioned in this report include : Affinity Solutions, Ally Bank, American Express, Bank of America, Capital One, CardLinx, Cardlytics, Card Spring, Cartera Commerce,, Discover, Edo Interactive, Fifth Third, First Data, FreeMonee, Linkable Networks, Living Social, Lloyds, MasterCard, PNC, Regions, Truaxis, Twitter

Members of Mercator Advisory Group's Credit Advisory Service and Debit Advisory Service have access to this report as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits.

One of the exhibits included in this report:


Highlights of this research report include:

  • A comparison of several issuers' merchant-funded reward programs
  • A review of the card-linked offer vendor landscape
  • An analysis of how new players might upset the transaction-driven offer model
  • Estimated and projected U.S. consumer credit volume driven by card-linked offers
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