美國的工資卡市場:供應商的均衡策略

本報告提供美國的工資卡市場調查，工資卡的價值鏈，卡片使用者簡介，市場規模，供應商的各種類型，相關利益者，相關法律與修改等變化狀況等彙整資料。

本調查的重點

• 工資卡的過去、目前情形
• 美國的開放迴路型儲值卡市場上薪資名冊部門的入款額的穩定成長
  • 若沒有外部干涉預測到2018年持續成長
• 對工資卡用戶的調查結果
  • 年齡、其他的卡片類型擁有趨勢、手機付款的經驗
• 對利用工資卡的雇主、受雇者來說的優點相關討論
• 薪資名冊供應商的各種類型概要
  • 從特定的產業專門的專門經營者到考慮將工資卡作為自公司的通用儲值卡組合的補充的通才經營者
• 關於工資卡計劃在州及聯邦層級預期的法案
  • 預計成為負的結果

調查對象企業

• Careington International
• Coca-Cola
• Comdata
• FSV Payment Systems
• netSpend
• PayPerks
• STAR Systems
• Visa

Prepaid loads continue to grow as individual segments struggle

New research from Mercator Advisory Group explains the payroll card market and its stakeholders.

The report titled ‘Payroll Cards in the United States: A Balancing Act for Providers’ provides an analysis of the payroll card market that includes its size, descriptions of industry players, and discussions of the stakeholders.

Mercator Advisory Group's forecast report identifies demographics of payroll card users, and explores how they are not as homogenous as they might seem. Users include both the cardholders and the employers. The report includes the results of interviews with payroll card buyers to show what they look for when considering a payroll card program.

This report reviews providers who have carved out specific niches for themselves in the payroll market. While it does not include an exhaustive list of providers, it looks at players who have found market opportunities to show the ways in which providers can find their own way in the market and customers can find programs that fit their needs.

Additionally, the report looks at the ever-changing regulatory environment for payroll cards. While some controls are necessary, payroll programs face risks at both the state and federal level.

"The payroll card is a unique produce that can save its users money in a way that makes money for providers, which means that it can help a large number of people, including some of the most financially vulnerable" Ben Jackson, director of Mercator Advisory Group's Prepaid Advisory Service, and author of the report, comments.

This research report has 21 pages and 6 exhibits.

Companies mentioned in the report include: Careington International, Coca-Cola, Comdata, FSV Payment Systems, netSpend, PayPerks, STAR Systems, Visa.

One of the exhibits included in this report:

                     Source: Mercator Advisory Group.

Highlights of the report include:

• History and current status of payroll cards

• A chart showing the steady growth in loads in the Payroll segment of U.S. open-loop prepaid cards market, with growth forecasted to continue through 2018 unless it is derailed by outside interference

• Mercator Advisory Group's survey findings on payroll card users, with breakdown by age, ownership of other card types, and mobile payment experience

• Discussion of the benefits of payroll card use for employers and employees

• Description of the various types payroll providers, which run the gamut from specialty providers focused on specific industries to generalists who use payroll to supplement their general purpose prepaid card portfolios

• The likely negative consequences of anticipated regulation at both the state and federal level for payroll card programs and the people the regulations are intended to protect.