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미국의 금융 카드 및 결제 시장

Financial Cards and Payments in the US

리서치사 Euromonitor International
발행일 2021년 10월 상품 코드 969885
페이지 정보 영문 63 Pages
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US $ 2,100 ₩ 2,525,000 PDF (Single User License)


미국의 금융 카드 및 결제 시장 Financial Cards and Payments in the US
발행일 : 2021년 10월 페이지 정보 : 영문 63 Pages

본 상품은 영문 자료로 한글과 영문목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

신종 코로나바이러스 감염증(COVID-19)의 감염 확대에 수반하여 2020년 3월부터 미국 전국에서 외출 금지령이 발령되고, 생활상 중요하지 않은 사업의 폐쇄가 명령되었습니다. 그 결과, 많은 노동자가 해고되며 2020년 4월 실업률은 14.7%에 달했으며, 대공황 이후 역사적인 급증을 기록했습니다. 미국의 금융 카드 시장에도 다양한 직접적·간접적 영향이 미치고 있습니다.

미국내 각종 금융 카드 및 결제 수단(ATM 카드, 스마트 카드, 신용카드, 체크카드, 차지카드, 선불카드, 스토어 카드)의 시장 규모 및 구조에 대해 분석했으며, 전체적인 시장 규모(향후 5년간, 발행 개수, 거래 건수·금액)의 추이 및 전망, 분야별 상세 동향, 시장 경쟁 구조, 주요 기업(발행 기업, 오퍼레이터)의 개요와 실적, 향후 시장 성장·사업 확대 방향성 등의 정보를 정리하여 전해드립니다.

목차

미국의 금융 카드 및 결제 시장 : 업계의 개요

  • 개요
    • 소비자 결제에 대한 COVID-19의 영향
    • COVID-19의 국내에 대한 영향
    • 연방정부의 CARES 법안 가결 : 사상 최대·2조달러 규모의 경제 자극책
    • 비접촉 결제 : near-zero에서 영웅으로의 전환
    • 발행 기업 : 결제 수단의 유연성과 신규 카드의 특전을 둘러싼 경쟁
    • 소비자 결제 시장에 다음에 무엇이 일어나는가?
  • 시장 지표
  • 시장 데이터
  • 면책사항
  • 세계의 거시경제 지표
  • 세계의 업계 환경
  • 데이터 소스

미국의 차지카드 시장 : 카테고리별 분석

  • 시장 데이터 : 개요
  • 시장에 대한 영향(2020년)
    • 유연성이 부족한 결제 수단 : 차지카드의 축소 동향 촉진
    • American Express : 어카운트당 차지카드의 발행 개수를 제한
    • American Express : 감염 확대시 중소기업에 대한 지원
  • 시장의 회복과 기회
    • 차지카드의 실적 회복 : 고소득 소비자의 환원책에 의존
    • 차지카드와 울트라프리미엄 신용카드와의 경쟁이 격화
    • Karat : 기업용 차지카드를 도입
  • 카테고리별 데이터

미국의 신용카드 시장 : 카테고리별 분석

  • 시장 데이터 : 개요
  • 시장에 대한 영향(2020년)
    • COVID-19에 의해 지불 불능이 되는 카드 소유자가 속출 : 발행 기업은 자금 원조를 제공
    • 교통비·접대비의 감소 : 커머셜 카드의 거래액도 급락
    • 발행 기업 : 신용 한도액을 낮추고, 보다 소액의 카드 신청도 수리
  • 시장의 회복과 기회
    • Chime : 밀레니엄 세대용 카드 발행 - 체크카드와 같은 기능의 탑재
    • 여행용 카드 : 여행자의 감소에 대응하고, 특전을 조정
    • Layaway의 급증 : 신용카드의 실적 회복에 대한 위협
  • 카테고리별 데이터

미국의 체크카드 시장 : 카테고리별 분석

  • 시장 데이터 : 개요
  • 시장에 대한 영향(2020년)
    • 불황에 의해 소비자의 신뢰가 훼손됨에 따라 개인용 체크카드의 결제액이 증가
    • 외출 금지령 : 상용 체크카드의 감소를 촉진
    • COVID-19 : 잔고 부족 수수료에 대한 관심의 증대
  • 시장의 회복과 기회
    • Renewed momentum for contactless debit cards
    • Credit's recovery slows future growth of debit
    • Ellevest uses debit cards to promote its social mission
    • 비접촉형 체크카드의 더 큰 급증
    • 신용카드 시장의 회복 : 체크카드의 성장 억제
    • Ellevest : 체크카드를 이용한 사회적 사명의 추진
  • 카테고리별 데이터

미국의 선불카드 시장 : 카테고리별 분석

  • 시장 데이터 : 개요
  • 시장에 대한 영향(2020년)
    • CARES 법안에 의한 결제 시장의 자극 : 오픈 루프형 선불카드의 이용 촉진
    • COVID-19의 영향 : 선불카드 유형에 따라 크게 다르다.
    • 중소기업 : 록다운 중 현금흐름 유지를 위해 기프트카드를 추진
  • 시장의 회복과 기회
    • 선불카드 : 소매용 캐시리스 결제 수단의 잠재적 승자로서 부상
    • BitPay : 암호화폐로부터 신용 통화로의 환금용 신형 선불카드의 발행
    • 비접촉 결제 : 뉴욕의 대중교통 시스템에 대한 도입 전망
  • 카테고리별 데이터

미국의 스토어 카드 시장 : 카테고리별 분석

  • 시장 데이터 : 개요
  • 시장에 대한 영향(2020년)
    • 스토어 카드에 의한 즉시 할인 : 불황기에 매력이 증대
    • 소매업체의 파산에 의한 스토어 카드 발급 개수의 감소
    • 신용카드의 새로운 특전 : 스토어 카드의 과제
  • 시장의 회복과 기회
    • 신용 스코어의 요건이 낮으면 스토어 카드의 신청이 증가하는 동향
    • E-Commerce로의 이동 : 스토어 카드의 마케팅 전략에 대한 위협
    • 제휴 카드 : 스토어 카드에 지속적 위협
  • 카테고리별 데이터
KSA 20.12.01

Although COVID-19 continued to dominate many aspects of consumers' daily lives in the US throughout 2021, the payments landscape did show signs of reverting to pre-pandemic patterns. With the vaccine made available to all who wanted it in the first half of the year, much of the US returned to a degree of normality, although optimism was tempered in the summer by the swift spread of the Delta variant, which spiked cases of COVID-19 to levels not seen since the beginning of the year. Nonetheless,...

Euromonitor International's Financial Cards and Payments in USA report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Financial Cards in Circulation, M-Commerce, Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Financial Cards and Payments market;
  • Pinpoint growth sectors and identify factors driving change;
  • Understand the competitive environment, the market's major players and leading brands;
  • Use five-year forecasts to assess how the market is predicted to develop.

TABLE OF CONTENTS

List Of Contents And Tables

EXECUTIVE SUMMARY

  • Financial cards and payments in 2021: The big picture
  • Buy now, pay later services take off
  • American Rescue Plan Act provides further economic stimulus
  • The digitisation of payments is here to stay
  • Competition emerges between credit card companies and buy now, pay later players
  • What next for financial cards and payments?

MARKET INDICATORS

  • Table 1 Number of POS Terminals: Units 2016-2021
  • Table 2 Number of ATMs: Units 2016-2021
  • Table 3 Value Lost to Fraud 2016-2021
  • Table 4 Card Expenditure by Location 2021
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2016-2021
  • Table 6 Domestic versus Foreign Spend 2021

MARKET DATA

  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2016-2021
  • Table 8 Financial Cards by Category: Number of Accounts 2016-2021
  • Table 9 Financial Cards Transactions by Category: Value 2016-2021
  • Table 10 Financial Cards by Category: Number of Transactions 2016-2021
  • Table 11 Consumer Payments by Category: Value 2016-2021
  • Table 12 Consumer Payments by Category: Number of Transactions 2016-2021
  • Table 13 M-Commerce by Category: Value 2016-2021
  • Table 14 M-Commerce by Category: % Value Growth 2016-2021
  • Table 15 Financial Cards: Number of Cards by Issuer 2016-2020
  • Table 16 Financial Cards: Number of Cards by Operator 2016-2020
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2016-2020
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2016-2020
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2021-2026
  • Table 20 Forecast Financial Cards by Category: Number of Accounts 2021-2026
  • Table 21 Forecast Financial Cards Transactions by Category: Value 2021-2026
  • Table 22 Forecast Financial Cards by Category: Number of Transactions 2021-2026
  • Table 23 Forecast Consumer Payments by Category: Value 2021-2026
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2021-2026
  • Table 25 Forecast M-Commerce by Category: Value 2021-2026
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2021-2026

DISCLAIMER

SOURCES

    • Summary 1 Research Sources

DEBIT CARDS IN THE US

KEY DATA FINDINGS

2021 DEVELOPMENTS

  • Debit cards maintains solid growth in 2021
  • Pressure grows on banks to ditch overdraft fees
  • Fight ahead for Visa and Mastercard on debit card fees

PROSPECTS AND OPPORTUNITIES

  • Debit card payment growth will slow as credit card spending recovers
  • Debit card usage continues the march towards cashless
  • Affirm announces launch of first buy now, pay later debit card

CATEGORY DATA

  • Table 27 Debit Cards: Number of Cards in Circulation 2016-2021
  • Table 28 Debit Cards Transactions 2016-2021
  • Table 29 Debit Cards in Circulation: % Growth 2016-2021
  • Table 30 Debit Cards Transactions: % Growth 2016-2021
  • Table 31 Debit Cards: Number of Cards by Issuer 2016-2020
  • Table 32 Debit Cards: Number of Cards by Operator 2016-2020
  • Table 33 Debit Cards Payment Transaction Value by Issuer 2016-2020
  • Table 34 Debit Cards Payment Transaction Value by Operator 2016-2020
  • Table 35 Forecast Debit Cards: Number of Cards in Circulation 2021-2026
  • Table 36 Forecast Debit Cards Transactions 2021-2026
  • Table 37 Forecast Debit Cards in Circulation: % Growth 2021-2026
  • Table 38 Forecast Debit Cards Transactions: % Growth 2021-2026

CREDIT CARDS IN THE US

KEY DATA FINDINGS

2021 DEVELOPMENTS

  • Credit card spending trends upwards
  • Credit card balances remain low
  • Credit card rewards swing back towards travel

PROSPECTS AND OPPORTUNITIES

  • Buy now, pay later poses an increasing threat to traditional credit card operators
  • Issuers aim to expand credit accessibility to underserved consumers
  • Cardless reimagines credit card rewards via personalisation

CATEGORY DATA

  • Table 39 Credit Cards: Number of Cards in Circulation 2016-2021
  • Table 40 Credit Cards Transactions 2016-2021
  • Table 41 Credit Cards in Circulation: % Growth 2016-2021
  • Table 42 Credit Cards Transactions: % Growth 2016-2021
  • Table 43 Commercial Credit Cards: Number of Cards in Circulation 2016-2021
  • Table 44 Commercial Credit Cards Transactions 2016-2021
  • Table 45 Commercial Credit Cards in Circulation: % Growth 2016-2021
  • Table 46 Commercial Credit Cards Transactions: % Growth 2016-2021
  • Table 47 Personal Credit Cards: Number of Cards in Circulation 2016-2021
  • Table 48 Personal Credit Cards Transactions 2016-2021
  • Table 49 Personal Credit Cards in Circulation: % Growth 2016-2021
  • Table 50 Personal Credit Cards Transactions: % Growth 2016-2021
  • Table 51 Credit Cards: Number of Cards by Issuer 2016-2020
  • Table 52 Credit Cards: Number of Cards by Operator 2016-2020
  • Table 53 Credit Cards Payment Transaction Value by Issuer 2016-2020
  • Table 54 Credit Cards Payment Transaction Value by Operator 2016-2020
  • Table 55 Commercial Credit Cards: Number of Cards by Issuer 2016-2020
  • Table 56 Commercial Credit Cards: Number of Cards by Operator 2016-2020
  • Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2016-2020
  • Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2016-2020
  • Table 59 Personal Credit Cards: Number of Cards by Issuer 2016-2020
  • Table 60 Personal Credit Cards: Number of Cards by Operator 2016-2020
  • Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2016-2020
  • Table 62 Personal Credit Cards Payment Transaction Value by Operator 2016-2020
  • Table 63 Forecast Credit Cards: Number of Cards in Circulation 2021-2026
  • Table 64 Forecast Credit Cards Transactions 2021-2026
  • Table 65 Forecast Credit Cards in Circulation: % Growth 2021-2026
  • Table 66 Forecast Credit Cards Transactions: % Growth 2021-2026
  • Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2021-2026
  • Table 68 Forecast Commercial Credit Cards Transactions 2021-2026
  • Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2021-2026
  • Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2021-2026
  • Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2021-2026
  • Table 72 Forecast Personal Credit Cards Transactions 2021-2026
  • Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2021-2026
  • Table 74 Forecast Personal Credit Cards Transactions: % Growth 2021-2026

CHARGE CARDS IN THE US

KEY DATA FINDINGS

2021 DEVELOPMENTS

  • Charge cards shows signs of recovery
  • American Express invests further in supporting small businesses
  • American Express joins the buy now, pay later trend

PROSPECTS AND OPPORTUNITIES

  • Surge in spending by high-income consumers will help drive recovery
  • The war of the ultra-premium cards continues, with revamped benefits
  • Ramp finds success in helping businesses save

CATEGORY DATA

  • Table 75 Charge Cards: Number of Cards in Circulation 2016-2021
  • Table 76 Charge Cards Transactions 2016-2021
  • Table 77 Charge Cards in Circulation: % Growth 2016-2021
  • Table 78 Charge Cards Transactions: % Growth 2016-2021
  • Table 79 Commercial Charge Cards: Number of Cards in Circulation 2016-2021
  • Table 80 Commercial Charge Cards Transactions 2016-2021
  • Table 81 Commercial Charge Cards in Circulation: % Growth 2016-2021
  • Table 82 Commercial Charge Cards Transactions: % Growth 2016-2021
  • Table 83 Personal Charge Cards: Number of Cards in Circulation 2016-2021
  • Table 84 Personal Charge Cards Transactions 2016-2021
  • Table 85 Personal Charge Cards in Circulation: % Growth 2016-2021
  • Table 86 Personal Charge Cards Transactions: % Growth 2016-2021
  • Table 87 Charge Cards: Number of Cards by Issuer 2016-2020
  • Table 88 Charge Cards: Number of Cards by Operator 2016-2020
  • Table 89 Charge Cards Payment Transaction Value by Issuer 2016-2020
  • Table 90 Charge Cards Payment Transaction Value by Operator 2016-2020
  • Table 91 Commercial Charge Cards: Number of Cards by Issuer 2016-2020
  • Table 92 Commercial Charge Cards: Number of Cards by Operator 2016-2020
  • Table 93 Commercial Charge Cards Payment Transaction Value by Issuer 2016-2020
  • Table 94 Commercial Charge Cards Payment Transaction Value by Operator 2016-2020
  • Table 95 Personal Charge Cards: Number of Cards by Issuer 2016-2020
  • Table 96 Personal Charge Cards: Number of Cards by Operator 2016-2020
  • Table 97 Personal Charge Cards Transaction Value by Issuer 2016-2020
  • Table 98 Personal Charge Cards Transaction Value by Operator 2016-2020
  • Table 99 Forecast Charge Cards: Number of Cards in Circulation 2021-2026
  • Table 100 Forecast Charge Cards Transactions 2021-2026
  • Table 101 Forecast Charge Cards in Circulation: % Growth 2021-2026
  • Table 102 Forecast Charge Cards Transactions: % Growth 2021-2026
  • Table 103 Forecast Commercial Charge Cards: Number of Cards in Circulation 2021-2026
  • Table 104 Forecast Commercial Charge Cards Transactions 2021-2026
  • Table 105 Forecast Commercial Charge Cards in Circulation: % Growth 2021-2026
  • Table 106 Forecast Commercial Charge Cards Transactions: % Growth 2021-2026
  • Table 107 Forecast Personal Charge Cards: Number of Cards in Circulation 2021-2026
  • Table 108 Forecast Personal Charge Cards Transactions 2021-2026
  • Table 109 Forecast Personal Charge Cards in Circulation: % Growth 2021-2026
  • Table 110 Forecast Personal Charge Cards Transactions: % Growth 2021-2026

PRE-PAID CARDS IN THE US

KEY DATA FINDINGS

2021 DEVELOPMENTS

  • American Rescue Act stimulus payments boost value of open-loop pre-paid cards
  • Use of transportation closed-loop pre-paid cards begins to recover
  • Pre-paid cards used as an incentive to get vaccinated

PROSPECTS AND OPPORTUNITIES

  • Pre-paid cards from payment apps
  • Pre-paid cards provide a bridge for the unbanked
  • New York City's public transit system completes transition to contactless payments

CATEGORY DATA

  • Table 111 Pre-paid Cards: Number of Cards in Circulation 2016-2021
  • Table 112 Pre-paid Cards Transactions 2016-2021
  • Table 113 Pre-paid Cards in Circulation: % Growth 2016-2021
  • Table 114 Pre-paid Cards Transactions: % Growth 2016-2021
  • Table 115 Closed Loop Pre-paid Cards Transactions 2016-2021
  • Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2016-2021
  • Table 117 Open Loop Pre-paid Cards Transactions 2016-2021
  • Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2016-2021
  • Table 119 Pre-paid Cards: Number of Cards by Operator 2016-2020
  • Table 120 Pre-paid Cards Transaction Value by Operator 2016-2020
  • Table 121 Open Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
  • Table 122 Open Loop Pre-paid Cards Transaction Value by Operator 2016-2020
  • Table 123 Forecast Pre-paid Cards: Number of Cards in Circulation 2021-2026
  • Table 124 Forecast Pre-paid Cards Transactions 2021-2026
  • Table 125 Forecast Pre-paid Cards in Circulation: % Growth 2021-2026
  • Table 126 Forecast Pre-paid Cards Transactions: % Growth 2021-2026
  • Table 127 Forecast Closed Loop Pre-paid Cards Transactions 2021-2026
  • Table 128 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2021-2026
  • Table 129 Forecast Open Loop Pre-paid Cards Transactions 2021-2026
  • Table 130 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2021-2026

STORE CARDS IN THE US

KEY DATA FINDINGS

2021 DEVELOPMENTS

  • Store cards boosted by reopening of bricks-and-mortar retail
  • Issuers increasingly at the mercy of a shifting retail landscape
  • Home improvement spending boosts store card sales

PROSPECTS AND OPPORTUNITIES

  • Opportunities to tie digital channels with store rewards programmes
  • As credit card reward categories normalise, store cards could benefit
  • Walgreens launches a store card rewarding health and wellness

CATEGORY DATA

  • Table 131 Store Cards: Number of Cards in Circulation 2016-2021
  • Table 132 Store Cards Transactions 2016-2021
  • Table 133 Store Cards in Circulation: % Growth 2016-2021
  • Table 134 Store Cards Transactions: % Growth 2016-2021
  • Table 135 Store Cards: Number of Cards by Issuer 2016-2020
  • Table 136 Store Cards: Payment Transaction Value by Issuer 2016-2020
  • Table 137 Forecast Store Cards: Number of Cards in Circulation 2021-2026
  • Table 138 Forecast Store Cards Transactions 2021-2026
  • Table 139 Forecast Store Cards in Circulation: % Growth 2021-2026
  • Table 140 Forecast Store Cards Transactions: % Growth 2021-2026
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