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Small Business Credit Cards: The Key to Richer Customer Relationships

出版商 Mercator Advisory Group, Inc. 商品編碼 344673
出版日期 內容資訊 英文 31 Pages
商品交期: 最快1-2個工作天內
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小規模經營者信用卡:建立更深的客戶的關係的關鍵 Small Business Credit Cards: The Key to Richer Customer Relationships
出版日期: 2015年11月05日 內容資訊: 英文 31 Pages



  • 美國的小規模經營者的現狀與付款相關愛好:概要
  • 美國最大規模的信用卡發行業者及付款網路現在提供的小規模經營者金融商品的檢討
  • 小規模經營者信用卡的戶頭數、貸款餘額、付款額的估計、預測
  • 小規模經營者的金融服務的需求和傳統金融商品及替代金融商品的適合性分析
  • 對小規模經營者貸款的新替代策略分析
  • 小規模經營者信用卡發行業者的策略性建議


  • Ace Hardware
  • American Airlines
  • American Express
  • Alaska Airlines
  • Asiana Airlines
  • Bank of America
  • BCSG
  • Capital One
  • Carlson Hospitality
  • Chase
  • Citi
  • Constant Contact
  • Costco
  • Credit Karma
  • Delta
  • Discover
  • Facebook
  • Fundbox
  • Google
  • Kabbage
  • Korean Air
  • Legal Document Builder
  • Lending Club
  • LexisNexis Risk Solutions
  • Lowes
  • LSQ Funding
  • Marriott
  • MasterCard
  • Mozypro
  • NerdWallet
  • OnDeck Capital
  • PayPal
  • Prosper
  • Sage One
  • Simplify Commerce
  • SiteWit
  • Southwest Airlines
  • Spirit Airlines
  • Square
  • Starwood Hotels
  • Stripe
  • United Airlines
  • U.S.Bank
  • Visa
  • Wells Fargo
  • Xero
  • Xpenditure
  • Zendesk

Small business credit cards present new challenges, opportunities.

Mercator Advisory Group research finds that card issuers' products need to evolve to stay aligned with small businesses' changing needs.

In the wake of the recession, U.S. small business owners consistently report that they have little need for or interest in credit, and yet surveys consistently reveal that small business owners are frustrated with their inability to get credit quickly. Credit card issuers continue to see only modest growth in their small business credit card programs, and yet billions of dollars are being funneled into alternative lending platforms specifically focused on serving small businesses. The U.S. small business credit card space appears to be both a sluggish product vertical and a critically underserved market representing opportunity at the same time.

Mercator Advisory Group's research report, ‘Small Business Credit Cards: The Key to Richer Customer Relationships’ untangles the seemingly contradictory state of the U.S. small business credit card market and provides a set of strategic recommendations for market participants moving forward.

“The paradoxical nature of the current small business lending environment demonstrates the need for issuers to significantly realign their card products with the needs and preferences of small business owners,” comments Alex Johnson, Senior Analyst at Mercator Advisory Group and the author of the report.

This research report contains 31 pages and 15 exhibits.

Companies mentioned in this report include: Ace Hardware,, American Airlines, American Express, Alaska Airlines, Asiana Airlines, Bank of America, BCSG, Capital One, Carlson Hospitality, Chase, Citi, Constant Contact, Costco, Credit Karma, Delta, Discover, Facebook, Fundbox, Google, Kabbage, Korean Air, Legal Document Builder, Lending Club, LexisNexis Risk Solutions, Lowes, LSQ Funding, Marriott, MasterCard,, Mozypro, NerdWallet, OnDeck Capital, PayPal, Prosper, Sage One, Simplify Commerce, SiteWit, Southwest Airlines, Spirit Airlines, Square, Starwood Hotels, Stripe, United Airlines, U.S. Bank, Visa, Wells Fargo, Xero, Xpenditure, and Zendesk.

One of the exhibits included in this report:

                     Source: Federal Reserve, Joint Small Business Credit Survey Report, 2014

Highlights of this research report include:

  • An overview of the current state of U.S. small businesses and their payment preferences
  • A review of the current small business product offerings from the largest U.S. credit card issuers and payment networks
  • Estimates and projections on the size and growth trajectories of small business credit card accounts, outstandings, and payment volumes
  • Analysis of small business owners' financial services needs and the alignment of those needs with traditional and alternative products
  • An exploration of the emerging alternatives in small business lending
  • Strategic recommendations for small business credit card issuers
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