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市場調查報告書

適用於新用戶環境的信用卡產品

Credit Card Products for a New User Environment

出版商 Mercator Advisory Group, Inc. 商品編碼 959914
出版日期 內容資訊 英文 20 Pages, 13 Exhibits
商品交期: 最快1-2個工作天內
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適用於新用戶環境的信用卡產品 Credit Card Products for a New User Environment
出版日期: 2020年09月04日內容資訊: 英文 20 Pages, 13 Exhibits
簡介

新型冠狀病毒感染(COVID-19)由於感染的擴散,信用卡/借記卡的市場環境發生了巨大變化。由於諸如虧損準備金增加,交易餘額減少,支出模式改變,與借記卡的競爭,吸引力不強的積分返還以及嚴重的衰退等因素,盈利能力仍然低迷。另外,由於COVID-19的影響,持卡人的行為會長期或永久改變。信用卡市場不會消失,但是如果沒有一些投資(例如非接觸式支付支持),市場將不可避免地萎縮。

該報告分析了新冠狀病毒感染(COVID-19)爆發後新用戶環境中信用卡產品的理想狀態,預測了交易數量和金額的趨勢以及與其他付款方式的競爭。我們將為您提供有關關係,近年來市場的重大變化,最新技術的傳播以及未來市場趨勢方向的信息。

本報告中分析的公司:美國運通卡,Discover,萬事達卡,Visa等。

文本中的圖表示例:

內容:分析摘要

  • 信用卡/借記卡購買交易的數量
  • 每張信用卡/借記卡的平均交易金額
  • 消費者面板數據:使用次數和替代付款方式
  • 自COVID-19發生以來付款方式的變化
  • 使用新的支付技術
  • 收入/支出估計值(2018/2020)
目錄

Credit Cards Products for a New User Environment after COVID-19.

Thinking beyond the current economic crisis, Mercator Advisory Group releases new research that looks at the current market and how it will change.

The pandemic changed life as we know it for credit card lenders and cardholders. Being a lender is not so simple anymore. Profitability is under siege, driven by loss provisioning, declining outstandings, changing spending patterns, debit competition, erosion in the power of rewards, and a deep recessionary environment. Primarily driven by the externality of the COVID pandemic, many behavioral changes among cardholders are likely to be long term, if not permanent.

Mercator Advisory Group research, “Credit Card Products for a New User Environment ”, indicates a shift in credit and debit patterns. Contactless payments mean more to merchants, consumers, and issuers than ever. Durable spending is down; consumptive spending is up. And, credit card deferrals do not seem to carry the stigma they once did. Rewards consume a large portion of interchange, and in a shifting market, all costs must receive consideration.

"You cannot simply throw rewards at consumers and expect profitable market share," comments Brian Riley , Director, Credit Advisory, at Mercator Advisory Group, and the author of the research note "Credit Card Products for a New User Environment." Riley adds that "Credit cards are certainly not going away, but expect lower returns, higher risks, and shifting purchase patterns at least through 2025. And, do not forget the investor. It might be balance sheet lending or asset-backed securitizations enabling the credit card lender, but without the investment, card lending will cease. Lending is a risk-based business; it requires a return for tolerating the risk."

This document contains 20 pages and 13 exhibits .

Companies mentioned in this research note include: American Express, Discover, Mastercard, and Visa.

One of the exhibits included in this report:

Highlights of the research note include:

  • Credit and debit purchase transactions
  • Credit and debit average ticket
  • Consumer panel data on usage and alternative payments
  • Changing payment methods since COVID-19
  • New payment technology usage
  • Estimated Income and expenses, 2018 versus 2020