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체크카드 및 선불카드 : 경계의 모호화

The Blurred Lines Between Debit and Prepaid Cards

리서치사 Mercator Advisory Group, Inc.
발행일 2018년 12월 상품 코드 757814
페이지 정보 영문 16 Pages
US $ 2,950 ₩ 3,441,000 PDF by E-mail (Single User License)

체크카드 및 선불카드 : 경계의 모호화 The Blurred Lines Between Debit and Prepaid Cards
발행일 : 2018년 12월 페이지 정보 : 영문 16 Pages

자금 보충 가능한 범용형 선불카드(GPR 카드)와 체크카드의 차이를 조사했으며, 규제상 차이, 선불카드 및 체크카드 시장 규모, 영향요인, 주요 카드·주요 계좌의 특징 및 기능성, 은행 업무 및 결제 기술의 혁신에서 GPR 카드의 지금까지 역할과 향후 역할 등에 대해 정리했습니다.

조사 개요

  • 체크카드와 GPR 카드의 규제상 차이 비교
  • 선불카드 및 체크카드 시장 규모와 미국의 은행 계좌 비보유자수 감소 동향
  • 특징과 기능성 리뷰 : 주요 GPR 카드 및 미국 주요 5개 은행의 엔트리 레벨 당좌예금 계좌
  • 은행 업무 및 결제 기술 혁신에서 GPR 카드의 역할

게재 기업

  • Ace Cash Express
  • American Express
  • Bancorp Bank
  • Bank of America
  • Chase Bank
  • Citi Bank
  • Green Dot
  • InComm
  • Mastercard
  • Meta Bank
  • Netspend
  • PayPal
  • Square
  • U.S. Bank
  • Visa
  • Walmart
  • Wells Fargo
KSM 19.01.09

Debit and prepaid cards: are there any remaining differences?

Mercator Advisory Group releases new research comparing general purpose reloadable prepaid cards with debit cards and analyzing the subtle product differences.

General purpose reloadable (GPR) prepaid cards and entry-level checking accounts have both evolved to a point where product features and functionality of the two are nearly indistinguishable between the two. A new research report from Mercator Advisory Group titled, The Blurred Lines Between Debit and Prepaid Cards considers the differences between the two products and why providers and users might favor one over the other.

"At first glance, prepaid and debit appear so similar that one could conclude that the payments industry took two separate paths to end up with the same product. Initially prepaid product providers were developing solutions to offer users a bankcard-like product. Now financial institutions are seeing inspiration in GPR card attributes, comments Sarah Grotta, Director, Debit and Alternative Products Advisory Service at Mercator Advisory Group and co-author of the report.

This research report has 16 pages and 8 exhibits.

Companies mentioned in this report include: Ace Cash Express, American Express, Bancorp Bank, Bank of America, Chase Bank, Citi Bank, Green Dot, InComm, Mastercard, Meta Bank, Netspend, PayPal, Square, U.S. Bank, Visa, Walmart, and Wells Fargo.

One of the exhibits included in this report:


Highlights of the research report include:

  • A comparison of some of the regulatory differences between debit and GPR cards.
  • Market sizing for prepaid and debit, including a look at the decline in the unbanked population in the U.S.
  • Review of the features and functionality of leading GPR cards and entry level checking accounts from five U.S. banks.
  • The role that GPR cards have and continue to play in banking and payments innovation.
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