表紙
市場調查報告書

改善借記卡的狀態:突然成為最大的付款方式

Debit Card Abruptly Finds Itself Top of Wallet

出版商 Mercator Advisory Group, Inc. 商品編碼 960352
出版日期 內容資訊 英文 16 Pages, 9 Exhibits
商品交期: 最快1-2個工作天內
價格
改善借記卡的狀態:突然成為最大的付款方式 Debit Card Abruptly Finds Itself Top of Wallet
出版日期: 2020年09月11日內容資訊: 英文 16 Pages, 9 Exhibits
簡介

在經歷了感染的全球蔓延和隨後的 "前所未有的" 衰退之後,美國卡市場的借記卡支付數量和支付金額將在2020年超過信用卡。我正面臨著全新的體驗。消費者意識到他們的支付能力,家庭需求和消費,這可能會進一步增加他們對借記卡的依賴。從長遠來看,借記卡市場將增長,發行人將努力保持這一地位。

本報告調查了美國信用卡和借記卡市場的最新趨勢,並考慮了結構性變化的方向以及行業利益相關者未來應解決的問題。

本報告中提到的公司:美國運通卡,Discover,萬事達卡,Visa等。

從文本中的圖表:

分析概要

  • 根據美國的萬事達卡和Visa卡借記/信用卡交易數據,2020年第二季度的購買量比2019年第二季度下降了7%。借記卡增加了8.6%,主要是由於信用卡購買量減少了21.2%。
  • 過去幾年的分析表明,借記卡和信用卡的增長通常反映出相反的情況。如今的對比尤其強烈,在兩個季度(2019年第四季度至2020年第二季度)中,借記卡購買份額從46.4%上升至55.3%。
  • 自2018年以來,越來越有一種優先使用單一付款方式的趨勢。持卡人正在大量使用其忠誠的信用卡/借記卡,並且付款方式往往會減少。
  • 從長遠來看,借記卡發卡行面臨沉思並採取行動,如何獲取和保留忠實的借記卡用戶。
目錄

The Debit Card Abruptly Finds Itself at the Top of the Wallet

Mercator Advisory Group's latest report suggests strategies debit card issuers may consider to retain this preferred card status with their cardholders.

In the continuing cycle of firsts and "unprecedented" events experienced during the global pandemic and the associated economic recession of 2020, the U.S. card market is currently experiencing a first of its own. Mastercard and Visa debit card transactions and dollar volumes are greater than those conducted on credit cards as explored in a new report, ‘Debit Card Abruptly Finds Itself Top of Wallet’. As consumers stare down potentially months of necessary household spending restrictions, they are relying on their debit cards much more, putting issuers in a new operating environment.

"We anticipate that changes in consumers' payment habits, largely driven by the COVID-19 pandemic, are likely to continue long term, if not become permanent routines. While the credit card market is being challenged, debit cards are now at an advantage and debit issuers will want to take steps to insure they retain this position," comments Sarah Grotta , Director, Debit and Alternative Products Advisory Service at Mercator Advisory Group and author of the report.

This report has 16 pages and 9 exhibits .

Companies mentioned in this report include: American Express, Discover, Mastercard, Visa.

One of the exhibits included in this report:

Highlights of the report include:

  • Review of Mastercard and Visa debit and credit data for the U.S., that finds purchase volumes in total were down 7% in Q2 2020 over Q2 2019. The decline was attributable solely to the 21.2% decline in credit purchase volume, compared with debit's 8.6% increase.
  • Analysis of data compiled over the last several years showing that debit card and credit card growth often reflect opposite trends. Recent data reveal a very stark reaction to the two primary card products. In just the space of two quarters (Q4 2019 to Q2 2020), debit cards went from a 46.4% share of purchase volume to 55.3% share.
  • Mercator survey data finds the use of a single preferred payment method has been increasing since 2018, with cardholders concentrating their payment loyalty to either credit or debit and a declining number choosing to use multiple payment options.
  • Activities that debit issuers will want to consider to hold on to loyal debit card users for the long term.