自有品牌信用卡:超越利基的市場

本報告提供自有品牌信用卡的市場調查，聯名卡與自有品牌卡比較，自有品牌卡的市場規模的變化與預測，聯名卡及自有品牌卡的主要供應商，自有品牌卡的成長機會分析等彙整資料。

調查內容

• 信用卡比較:聯合品牌通用卡、自有品牌卡
• 自有品牌信用卡市場估計、預測
• 主要供應商:聯名卡、自有品牌卡
• 市場機會、金融科技模式對策
• 自有品牌信用卡的授信承擔標準

刊載企業

• ACI Worldwide
• Albertsons
• Alliance Data Systems
• Aldi
• Amazon
• American Express
• Apple
• Bank of America
• Barclays
• Bridgestone America
• Capital One
• Carlyle Group
• Chase
• Chevron/Texaco
• Citi
• Comenity Bank
• Costco
• Credit First National Association (CFNA)
• CVS
• Dollar Tree
• Exxon
• Federated Stores
• First Data
• Fiserv
• Ford Motor Company
• GM
• H-E-B Grocery
• Home Depot
• Kohl's
• Kroger
• Macy's
• Mastercard
• McDonalds
• Mercedes Benz
• Nordstrom
• Publix
• Rite Aid
• Royal Ahold
• Sears
• Synchrony
• TD Bank
• Target
• 豐田汽車
• U.S. Bank
• Verizon
• Visa
• Walgreens
• Wal-Mart

Private label credit cards, which can only be used in a defined group of retail locations, are a unique and very competitive market segment within the credit card industry. While similar in some ways to co-branded general purpose credit cards, private label credit cards (sometimes abbreviated PLCC) are a complementary product that addresses different needs. They have particular appeal to consumers with low credit scores and a need to finance large purchases. New competition from fintechs like Bread and Klarna is putting pressure on the industry, requiring greater innovation.

Mercator Advisory Group's latest research report, Private Label Credit Cards: A Market, Not Just a Niche, sizes the market for private label credit cards and analyzes the growth potential of this often-overlooked market segment.

"The wheels fell off the private label credit card business in the 1990s as general purpose credit cards simplified the consumer's wallet with a single solution," commented Brian Riley, Director, Credit Advisory Service, at Mercator Advisory Group, author of the research report. "As the economy soured, retailers needed cash on their books to purchase new inventory, rather than supporting consumer credit," Riley continued. "Large financial institutions now dominate the space and partner with retailers to relieve the demands of consumer credit. There is plenty of room to grow with smaller retailers as e-commerce and mobile payments develop."

This research report is 21 pages long and has 9 charts and 4 tables.

Companies mentioned in this research report include: ACI Worldwide, Albertsons, Alliance Data Systems, Aldi, Amazon, American Express, Apple, Bank of America, Barclays, Bridgestone America, Capital One, Carlyle Group, Chase, Chevron/Texaco, Citi, Comenity Bank, Costco, Credit First National Association (CFNA), CVS, Dollar Tree, Exxon, Federated Stores, First Data, Fiserv, Ford Motor Company, GM, H-E-B Grocery, Home Depot, Kohl's, Kroger, Macy's, Mastercard, McDonalds, Mercedes Benz, Nordstrom, Publix, Rite Aid, Royal Ahold, Sears, Synchrony, TD Bank, Target, Toyota, U.S. Bank, Verizon, Visa, Walgreens, and Wal-Mart.

One of the exhibits included in this report:

Highlights of the research report include:

• A comparison of merchant co-branded general purpose credit cards and private label credit cards
• Estimates of the private label credit card market through 2022
• Leading providers of co-branded credit cards and private label credit cards
• Market opportunities and measures to counter fintech models
• Credit underwriting standards for private label credit cards