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市場調查報告書

金融商品的設計:扣款和預付的差異是什麼?

A Rose by Any Other NameA Rose by Any Other Name: What's the Difference Between Debit and Prepaid?

出版商 Mercator Advisory Group, Inc. 商品編碼 436083
出版日期 內容資訊 英文
商品交期: 最快1-2個工作天內
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金融商品的設計:扣款和預付的差異是什麼? A Rose by Any Other NameA Rose by Any Other Name: What's the Difference Between Debit and Prepaid?
出版日期: 2017年02月06日 內容資訊: 英文
簡介

本報告提供金融服務供應商的新金融商品設計之重要評估事項相關調查,彙整扣款戶頭及預付戶頭的差異,戶頭類型的選擇之重要評估事項,必要的行銷策略,製作·評比成功的資產負債表之重要性,相關法律的影響等資料。

本調查的重點

  • 左右商品成敗的扣款戶頭及預付戶頭之重要差異
  • 戶頭類型的選擇中金融服務供應商所評估的重要事項詳細內容
    • 對象客戶·經濟性·基礎設施·法律規章
  • 為了向潛在客戶宣傳預付&扣款戶頭的價值所需的行銷
  • 扣款及預付的恰當選擇上,製作收入和支出的總括性資產負債表的重要性
  • 為了在供應商的現有基礎設施上提供預付或扣款戶頭,差異化工具比較的必要性
  • 可能大大影響各商品成敗的法律規章
目錄

Debit versus Prepaid: What account structure makes more sense for providers?

New research from Mercator Advisory Group shows payments providers how to select an account structure for deposit products. providers how to select an account structure for deposit products.

The new report titled ‘A Rose by Any Other Name: What's the Difference Between Debit and Prepaid? ’ presents an analysis of the factors that financial services providers need to consider when deciding on an account structure for new products. Recent industry developments have made debit and prepaid accounts seem a lot like each other. While there are some commonalities, significant differences remain that can lead to one account structure being superior to another depending on the goals of the product being designed.

Mercator Advisory Group's research report identifies key factors that need to be considered when designing a new product. The customer needs, economics, infrastructure, and regulations will all influence which type of account structure makes sense for a new product.

"Prepaid and debit accounts both offer advantages and disadvantages for financial services providers, so understanding the key decision points can lead product designers to the most profitable configuration, " Ben Jackson, director of Mercator Advisory Group's Prepaid Advisory Service, and coauthor of the report, comments.

Companies mentioned in the report include: Chase, ChexSystem, NetSpend, and TSYS.

Members of Mercator Advisory Group's Debit Advisory Service and Prepaid 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 the report include:

  • The important differences remaining between debit and prepaid account types that can make or break a product
  • Details of the key factors to be considered by financial services providers in choosing which account type of deposit/transaction account launch: the audience, economics, infrastructure, and regulations that apply to each account type
  • Marketing necessary to show the value of prepaid cards and debit accounts to their likely audiences.
  • The importance of developing a comprehensive balance sheet of the revenues and expenses of debit versus prepaid account types to make the right decision on which to launch.
  • The necessity of comparing the differing tools required to offer a prepaid card or a debit account with the providers' existing infrastructure
  • The regulations that will heavily influence heavily the success of each product
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