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21世紀的美國工資卡的演進

The Evolution of U.S. Payroll Cards in the 21st Century

出版商 Mercator Advisory Group, Inc. 商品編碼 907738
出版日期 內容資訊 英文 19 Pages, 9 Exhibits
商品交期: 最快1-2個工作天內
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21世紀的美國工資卡的演進 The Evolution of U.S. Payroll Cards in the 21st Century
出版日期: 2019年08月19日內容資訊: 英文 19 Pages, 9 Exhibits
簡介

預估美國預付工資卡金額將從2017年的403億美元,於2021年成長至509億美元規模。

本報告研究美國工資卡市場,彙整市場發展經過和現況、市場規模 (金額) 推移和預測、工資卡使用者介紹、對僱主和僱員的優點、規範和其影響、有效計劃設計建議等情報。

調查內容重點

  • 工資卡:歷史和現況
  • 美國預付薪資卡金額的穩定成長
  • 工資卡使用者介紹
    • 年齡層
    • 其他卡片持有情況
    • 行動支付體驗
  • 工資卡使用:對僱主和僱員的優點
  • 州及聯邦政府針對計畫的規範:負面影響展望和保護對像
  • 有效工資卡計畫設計的建議

涵蓋企業範例

  • American Express
  • Careington International
  • Consumer Financial Protection Bureau (CFPB)
  • Discover
  • Federal Deposit Insurance Corporation (FDIC)
  • Mastercard
  • PayPerks
  • Visa
目錄

Prepaid payroll cards are no longer just for the underbanked and unbanked.

New research from Mercator Advisory Group shows that the market for prepaid payroll cards now attracts high-income consumers.

Mercator Advisory Group's new research report titled The Evolution of U.S. Payroll Cards in the 21st Century provides an analysis of the payroll card market that includes its size and a forecast of its growth, an review of how the payroll product line has evolved, and a discussion of the stakeholders.

Mercator Advisory Group's forecast report identifies the demographics of payroll card users and explores survey data revealing that they are not as homogenous as they might seem. The report discusses the attributes that consumers desire in a payroll card as well as the attributes employers seek in a payroll card program. The report reviews some of the changes the payroll card market has undergone in the last several years as it evolves to meet the needs of its changing consumer base.

Additionally, the report looks at the ever-changing regulatory environment for payroll cards, which varies by state. While some controls are necessary, payroll programs face compliance risks at both the state and federal level that demand continual awareness of regulatory changes.

"The payroll card is a unique product 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. Persons with incomes exceeding $100,000 also find today's payroll cards appealing,” commented C. Sue Brown, Director of Mercator Advisory Group's Prepaid Advisory Service, and author of the report.

This research report has 19 pages and 9 exhibits.

Companies and other organizations mentioned in the report include: American Express, Careington International, Consumer Financial Protection Bureau (CFPB), Discover, Federal Deposit Insurance Corporation (FDIC), Mastercard, PayPerks, and Visa.

One of the exhibits included in this report:

Highlights of the report include:

  • History and current status of payroll cards
  • Loads in the Payroll segment of prepaid payment cards in the U.S. have grown steadily. In 2017, loads were $40.3 billion, and Mercator Advisory Group projects that loads will reach $50.9 billion in 2021.
  • 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
  • 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
  • Recommendations for design of successful payroll card programs
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