미국 소규모 사업자를 대상으로 결제·뱅킹 서비스 이용에 대해 실시한 조사(2018 Small Business Payments and Banking Survey) 결과를 바탕으로 현재의 경기체감, 이용하고 있는 지불 인수 서비스, B2B 결제 서비스, 비지니스 뱅킹 서비스, 점포 및 소비자의 결제 수단 선호, 공통의 고민점, 서비스 및 요금에 관한 과제 등을 정리하여 전해드립니다.
1. 조사 하이라이트
- 미국 소규모 사업자의 가장 일반적인 판매 경로 : 판매량별
- 가장 일반적인 결제 방법 : 판매량별, 새로운 결제 유형 전망
- 점포 및 소비자의 결제 기호
- 점포용 서비스의 각종 유형 : 프로바이더 종류별
- 주요 카드 처리 프로바이더의 변환율과 이유
- 옴니채널 전략 도입 수준
- 모바일 결제, 점포의 독자적인 기프트카드, 다른 새로운 결제 유형 접수
- 점포가 선호하는 결제 유형으로의 고객 유도율
- 가맹점 은행/merchant bank 이용 수준
- 가장 일반적인 고민점
- 서비스 및 요금 관련 과제
2. 게재 기업
- American Express
Mercator Advisory Group's most recent Insight Summary Report, Payment Acceptance as Digital Channels Expand, based on the company's annual Small Business Payments and Banking Survey conducted in 2018, reveals that 46% of U.S. small businesses that accept payment cards consider acquiring or merchant banks as their primary payment processing provider compared to 42% who consider any other third-party supplier (excluding Square or PayPal) to be a primary provider. Acquiring banks collectively are a clear leader compared to the next most common types of primary provider-a point-of-sale terminal provider (considered primary by 16% of respondents) and card processor such as First Data or Vantiv, now WorldPay (considered primary by 12%). But when the responses are aggregated, more card-accepting small businesses surveyed consider any type of third-party card processing provider (54%) to be primary than consider an acquiring/merchant bank to be their primary payment processing provider (42%), and more say so than last year.
The survey findings show that 1 in 5 small businesses that accept payment cards switched primary card processing providers within the previous two years. Lower cost was the primary reason for the switch, but better reporting, ease and speed of setup, and better service are the next most common reasons for those who switched providers.
Many third-party providers offer smaller merchants ancillary services they need aside from core processing services and many businesses are migrating to third-party providers for online and mobile services, often designed for their business verticals.
Payment Acceptance as Digital Channels Expand is the first of three reports summarizing the results of the 2018 Small Business Payments and Banking Survey, the third annual survey of small businesses fielded by Mercator Advisory Group. This was a web-based survey of 2,047 U.S. small businesses (between $500,000 and $10 million annual sales) regarding their use of payments and banking services.
The survey contained questions on current business sentiment, payment acceptance services, business-to-business (B2B) payments, and banking depository and loan services. Forthcoming companion reports summarize the survey's findings on business-to-business payments and business banking services.
"Small businesses are expanding their use of digital and mobile channels and are increasingly looking for best-of-breed solutions for their businesses that may extend beyond their merchant bank's capabilities as they try to compete with larger businesses for consumers' attention," notes the author of this report, Karen Augustine, Senior Manager, Primary Data Services at Mercator Advisory Group.
This report contains 64 pages (in slide format) and 34 exhibits.
Companies mentioned are: American Express, Discover, Mastercard, PayPal, Square, and Visa.
Highlights of this Insight Summary Report include:
- U.S. small businesses' most common sales channels by sales volume
- The most common methods of payment accepted by sales volume and expectations to add new payment types
- Merchants' vs. consumers' payment preferences
- Types of merchant services used by type of provider
- Rate of and reasons for switching primary card processing providers
- Extent of adoption of omnichannel strategies
- Acceptance of mobile payments, merchants' own gift cards, and other emerging payment types
- Prevalence of "steering" of customers to merchants' preferred payment types
- Extent of use of acquiring/merchant banks
- Most common pain points
- Service and pricing issues