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信用卡的取得:變化旋渦之中的成果的最大化

Credit Card Acquisitions: Maximizing Results amid Change

出版商 Mercator Advisory Group, Inc. 商品編碼 602338
出版日期 內容資訊 英文 14 Pages
商品交期: 最快1-2個工作天內
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信用卡的取得:變化旋渦之中的成果的最大化 Credit Card Acquisitions: Maximizing Results amid Change
出版日期: 2018年02月01日內容資訊: 英文 14 Pages
簡介

2017年的美國的信用卡新發行數雖然記錄了6660萬,但是與解約數相抵,持有數整體與前一年同期比較增加份整體停留在230萬張。

本報告提供美國的信用卡的解約率與數位途徑的客戶獲得策略的相關調查,美國的卡片擁有者的解約率,新發行總數的變化,卡片取得途徑、卡片取得模式的變化相關分析,對卡片公司的實踐策略相關建議等彙整資料。

本調查的重點

  • 美國的卡片擁有者的解約率
  • 新發行總數
  • 新發行數:各年度
  • 美國的卡片的取得來源
  • 卡片取得數的預測:各途徑

刊載企業

  • Bank of America
  • BB&T
  • Capital One
  • Chase
  • Citi
  • Discover
  • FICO
  • First Data
  • FIS
  • Fiserv
  • Mastercard
  • PNC
  • SunTrust
  • TSYS
  • Visa
目錄

New research report by Mercator Advisory Group examines the impact of account attrition and the shift in credit card acquisitions to the digital channel.

With U.S. credit card attrition rates at 15%, issuers need to book that amount just to keep interest-generating portfolios on par. The credit card acquisition function is the payments lifeblood, essential to grow the business and offset cardholder attrition. High customer attrition rates require credit card issuers to adapt to a changing market. They also must keep the credit card value proposition attractive to retain accounts.

Credit card issuers in the U.S. market booked 66.6 million new accounts in 2017, but the total volume of accounts grew by only 2.3 million because of account attrition. Mercator Advisory Group's latest research report, ‘Credit Card Acquisitions: Maximizing Results amid Change’, discusses the high volume of account attrition and the industry trend toward digital acquisitions, projects how the credit card acquisition model will shift through 2022, and recommends practical strategies for credit card issuers to adapt to a changing market.

“Issuers in the U.S. credit card industry should be urgently concerned,” commented Brian Riley, Director, Credit Advisory, at Mercator Advisory Group and author of the research note. “Issuers continue to open large volumes of new accounts. Since 2015, we have seen more than 60 million new accounts annually in the U.S. market, but total account growth occurs at a snail's pace. This means cardholders are leaving their issuers almost as quickly as issuers book new accounts. As can be observed from many issuers' loss numbers, accounts in the portfolios have not seasoned, so risk and delinquency are high. Also, these results show that the rewards model is flawed. Could it be that consumers have outfoxed the rewards incentive model? Have they outfoxed the issuers by shifting their loyalty to the best introductory offer? In a 2017 report, Mercator Advisory Group identified how the return on asset (ROA) metric for credit cards in the U.S. plummeted from 7.65% in 2006 to a projected 3.74% in 2017. One of the driving factors is net revenue per account, and attrition is an obvious component.”

This research report contains 14 pages and 6 exhibits.

Companies mentioned in this research report include: Bank of America, BB&T, Capital One, Chase, Citi, Discover, FICO, First Data, FIS, Fiserv, Mastercard, PNC, SunTrust, TSYS, and Visa.

One of the exhibits included in this report:

Highlights of the research note include:

  • U.S. cardholder attrition rates
  • Total numbers of new accounts
  • New account bookings by year
  • Sources of U.S. card acquisitions
  • Projected card acquisition volumes by channel through 2022
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