賬單支付的美國市場:金融機關能重新獲得付款人嗎？

美國的賬單支付的市場規模，預計年度接近4兆美元。支票的支付預計替代卡片及電子交易。

本報告提供美國的賬單支付市場相關調查，消費者賬單的支付跟目前所使用支付方法與流通管道的檢討，COVID-19對賬單支付的影響，及賬單的支付所使用的支付方法與消費者喜好的支付類型的差距等相關分析。

本調查的重點

• 消費者賬單的支付目前所使用支付方法與流通管道的檢討
• 紙幣，卡，由於其他電子的各方法的賬單支付活動的估計與預測
• COVID-19對賬單支付的影響
• 賬單的支付所使用的支付方法與消費者喜好的支付類型間的差距相關討論
• 訂閱模式的支付方法
• 處理器的金融科技賬單支付解決方案供應商的整合

"In this report, Mercator Advisory Group forecasts the U.S. bill pay market will edge closer to $4 Trillion in annual processed volume. Checks payments will give way to card and electronic transaction types."

Consumers' demands and expectations for bill pay created the shift towards digital interfaces and also an expectation around a choice of payments and greater transparency regarding payment status. Their expectations are often better met through biller solutions, not banking platforms. With improved technology for financial institutions, there is an opportunity to bring consumer bill payers back and provide enhanced convenience through a single, consolidated tool, as covered in a new report from Mercator Advisory Group titled U.S. Bill Pay Market: Can Financial Institutions Win Back Payers?

"More modern options for bank bill pay that include better notifications and payment choice will help to bring consumers back to financial institutions' bill pay platforms. Bill pay is a critical component to securing consumers' preferred financial institution status. But I don't expect that consumers will return to their financial institution to pay bills at same level experienced 10 to 15 years ago. Consumers have created the habit of paying directly with billers and the way that consumers establish services today, including the rise of the subscription model, supports more direct-to-biller activity," comments Sarah Grotta, Director, Debit and Alternative Products Advisory Service at Mercator Advisory Group and author of the report.

This report has 14 pages and 6 exhibits.

Companies mentioned in this report include: ACI, Early Warning, FIS, Fiserv, Mastercard, The Clearing House.

Highlights of the report include:

• Review of the payment methods and channels that consumers are using today to pay bills

• Estimates and forecast for bill pay activity by paper, card and other electronic methods

• The impact of COVID-19 on bill pay

• Discussion of the gap between payments used to pay bills and the payment types consumers prefer

• Payment methods in the subscription based model

• Consolidation of fintech bill pay solution providers by processors