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자체브랜드 신용카드 : 틈새시장 초월

Private Label Credit Cards: A Market, Not Just a Niche

리서치사 Mercator Advisory Group, Inc.
발행일 2018년 06월 상품 코드 647353
페이지 정보 영문 21 Pages
US $ 2,950 ₩ 3,352,000 PDF by E-mail (Single User License)

자체브랜드 신용카드 : 틈새시장 초월 Private Label Credit Cards: A Market, Not Just a Niche
발행일 : 2018년 06월 페이지 정보 : 영문 21 Pages

자체브랜드 신용카드(Private Label Credit Cards) 시장을 조사했으며, 코브랜드 카드와 자체브랜드 카드의 비교, 자체브랜드 카드의 시장 규모 추이와 예측, 코브랜드 카드 및 자체브랜드 카드의 주요 프로바이더, 자체브랜드 카드의 성장 기회 분석 등을 정리하여 전해드립니다.

1. 조사 내용

  • 신용카드 비교 : 코브랜드 범용 카드·자체브랜드 카드
  • 자체브랜드 신용카드 시장의 추산·예측
  • 주요 프로바이더 : 코브랜드 카드·자체브랜드 카드
  • 시장 기회·핀테크 모델 대책
  • 자체브랜드 신용카드의 여신 인수 기준

2. 게재 기업

  • ACI Worldwide
  • Albertsons
  • Alliance Data Systems
  • Aldi
  • Amazon
  • American Express
  • Apple
  • Bank of America
  • Barclays
  • Bridgestone America
  • Capital One
  • Carlyle Group
  • Chase
  • Chevron/Texaco
  • Citi
  • Comenity Bank
  • Costco
  • Credit First National Association(CFNA)
  • CVS
  • Dollar Tree
  • Exxon
  • Federated Stores
  • First Data
  • Fiserv
  • Ford Motor Company
  • GM
  • H-E-B Grocery
  • Home Depot
  • Kohl's
  • Kroger
  • Macy's
  • Mastercard
  • McDonalds
  • Mercedes Benz
  • Nordstrom
  • Publix
  • Rite Aid
  • Royal Ahold
  • Sears
  • Synchrony
  • TD Bank
  • Target
  • Toyota
  • U.S. Bank
  • Verizon
  • Visa
  • Walgreens
  • Wal-Mart
KSA 18.06.15

Private label credit cards, which can only be used in a defined group of retail locations, are a unique and very competitive market segment within the credit card industry. While similar in some ways to co-branded general purpose credit cards, private label credit cards (sometimes abbreviated PLCC) are a complementary product that addresses different needs. They have particular appeal to consumers with low credit scores and a need to finance large purchases. New competition from fintechs like Bread and Klarna is putting pressure on the industry, requiring greater innovation.

Mercator Advisory Group's latest research report, Private Label Credit Cards: A Market, Not Just a Niche, sizes the market for private label credit cards and analyzes the growth potential of this often-overlooked market segment.

"The wheels fell off the private label credit card business in the 1990s as general purpose credit cards simplified the consumer's wallet with a single solution," commented Brian Riley, Director, Credit Advisory Service, at Mercator Advisory Group, author of the research report. "As the economy soured, retailers needed cash on their books to purchase new inventory, rather than supporting consumer credit," Riley continued. "Large financial institutions now dominate the space and partner with retailers to relieve the demands of consumer credit. There is plenty of room to grow with smaller retailers as e-commerce and mobile payments develop."

This research report is 21 pages long and has 9 charts and 4 tables.

Companies mentioned in this research report include: ACI Worldwide, Albertsons, Alliance Data Systems, Aldi, Amazon, American Express, Apple, Bank of America, Barclays, Bridgestone America, Capital One, Carlyle Group, Chase, Chevron/Texaco, Citi, Comenity Bank, Costco, Credit First National Association (CFNA), CVS, Dollar Tree, Exxon, Federated Stores, First Data, Fiserv, Ford Motor Company, GM, H-E-B Grocery, Home Depot, Kohl's, Kroger, Macy's, Mastercard, McDonalds, Mercedes Benz, Nordstrom, Publix, Rite Aid, Royal Ahold, Sears, Synchrony, TD Bank, Target, Toyota, U.S. Bank, Verizon, Visa, Walgreens, and Wal-Mart.

One of the exhibits included in this report:


Highlights of the research report include:

  • A comparison of merchant co-branded general purpose credit cards and private label credit cards
  • Estimates of the private label credit card market through 2022
  • Leading providers of co-branded credit cards and private label credit cards
  • Market opportunities and measures to counter fintech models
  • Credit underwriting standards for private label credit cards
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