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미국의 소기업용 신용카드 시장

Payment Cards and B2B Payments: Riding a Wave of Positivity

리서치사 Mercator Advisory Group, Inc.
발행일 2019년 07월 상품 코드 892534
페이지 정보 영문
US $ 2,950 ₩ 3,457,000 PDF by E-mail (Single User License)

미국의 소기업용 신용카드 시장 Payment Cards and B2B Payments: Riding a Wave of Positivity
발행일 : 2019년 07월 페이지 정보 : 영문

소기업의 결제와 은행 거래에 관한 3개 리포트의 제1탄으로, 2019년 3월과 4월에 미국의 소기업 2,002사를 대상으로 시행한 온라인 조사의 결과를 기반으로 정리하여 전해드립니다.

주요 내용 :

  • 조사 대상 소기업은 다양한 결제에 사업용 신용카드를 사용하고 있으나, 가장 많이 사용되는 것은 출장 경비(73%)와 조달비(64%)이다.
  • 조사 대상 소기업의 다수는 저가격과 양질의 서비스를 중시하고 있으나, 비교적 규모가 큰 기업은 보다 정교한 기능을 갖춘 카드를 요구하고 있다.
  • 조사 대상 소기업의 약 절반은 사업용 신용카드의 결제 잔금을 월내에 전액 결제하지 못하는 경우가 상시(24%) 또는 가끔 있다(28%)고 답변했다.
  • 카드를 소지한 직원이 카드 특전을 받도록 하고 있는 소기업은 전체의 약 5분의 1(22%)이다.
  • 조사 대상 소기업의 약 4분의 1(26%)은 대안 대출 사업자(alternative lender)로부터 융자를 받고 있다. 대안 대출 사업자의 선택시 주요 기준은 융자 신청의 용이성(43%)과 융자 시행까지의 속도(32%)이다.
KSA 19.08.02

U.S. small businesses have a positive outlook in 2019.

Mercator Advisory Group new survey research finds that U.S. small businesses foresee growth for their companies in revenue, profitability, and employment.

Mercator Advisory Group's new Insight Summary Report, ‘Payment Cards and B2B Payments: Riding a Wave of Positivity ’, reveals that U.S. small businesses are largely positive about the prospects for the future of their respective firms with regard to revenues, profitability, and employment. The report is the first of three from Mercator's annual Small Business Payments and Banking Survey Series, a part of Mercator's Primary Data Service. It is based on findings from Mercator Advisory Group's online survey of 2,002 U.S. small businesses fielded in March and April 2019.

The survey's charts show the primary payment methods used by type, and they reveal attitudes toward cash flow and line of credit. The findings include small businesses' criteria for choosing a new credit card for the business, which differ by size of firm and indicate the average number of cards held per company.

“Now is a good time for those who work with small businesses to approach them for new opportunities. Projections for revenue and profitability are fairly high. There are definitely opportunities for financial institutions and others to get involved with small businesses,” states the author of the report, Pete Reville, Director of Primary Data Services including Small Business Monitor Survey Series at Mercator Advisory Group.

Companies mentioned in the report include: American Express, Discover, Kabbage, Lending Club, Mastercard, OnDeck Capital, PayPal, Prosper, and Visa.

Highlights of this report include:

  • Small businesses use their business cards for many different payments, but they are most likely to use their business cards for T&E (73%) and Procurement (64%).
  • While all small business value lower pricing and good service, larger companies are looking for a more sophisticated set of card features.
  • About one-half of small businesses report that their business card balance is usually not (24%) or occasionally not (28%) paid in full each month.
  • Only about one-fifth (22%) of small businesses allow employees with cards to keep rewards earned on those cards.
  • About one quarter (26%) of small businesses have a loan with an alternative lender. Their primary criteria for choosing an alternative lender are ease of application (43%) and the speed with which they get their funding (32%).
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