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결제, ATM, 선불 : 여전히 많은 현금 이용

Payments, ATMs, and Prepaid: Cash Still Has Its Place

리서치사 Mercator Advisory Group, Inc.
발행일 2019년 08월 상품 코드 906158
페이지 정보 영문
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US $ 2,950 ₩ 3,560,000 PDF by E-mail (Single User License)


결제, ATM, 선불 : 여전히 많은 현금 이용 Payments, ATMs, and Prepaid: Cash Still Has Its Place
발행일 : 2019년 08월 페이지 정보 : 영문

미국 소비자의 결제 행동과 결제 선호도를 조사했으며, 모바일 지갑과 대화형 커머스의 이용, 기프트카드의 구입과 사용, 점포내 ATM의 구매 행동에 대한 영향 등 온라인·점포·모바일 쇼핑에서 소비자의 새로운 행동 패턴을 정리했습니다.

조사 내용 하이라이트

  • 미국 소비자의 모바일 지갑 이용률
  • 신용카드가 가장 많이 이용되는 결제 수단, 체크카드가 뒤를 이어
  • 점포내 ATM 이용자 : 대다수는 보다 많은 구입을 위한 현금 인출에 이용
  • 안전성과 익명성의 이유로 게스트 로그인과 온라인 구입시 카드 정보 입력을 선호하는 경향
  • 자기 자신을 위해 범용 재충전(GPR) 카드 및 e-gift cards를 구입하고, GP 기프트카드와 소매업체 기프트카드를 선물용으로 구입하는 경향

게재 기업 사례

  • Affirm
  • Android/Google
  • Apple
  • Klarna
  • PayPal
  • Samsung
KSM 19.08.27

New survey explores U.S. consumers' dynamic shopping behaviors in the emerging mobile age.

Second report from Mercator Advisory Group's 2019 Customer Merchant Experience Survey focuses on consumer's payment preferences and spending.

Interested in this Report?

Mercator Advisory Group's latest Primary Data report, ‘Payments, ATMs, and Prepaid: Cash Still Has Its Place ’, is the based on the company's 2019 Customer Merchant Experience Survey. The online survey of 3,000 U.S. adult consumers, which was conducted in March 2019, explores consumers' merchant experiences as they shop in-store, online, and via mixed channels. The survey was designed with the goal of defining and highlighting consumer expectations for optimal experiences with merchants.

This second of three reports on the survey's findings looks more specifically at the emerging behavior patterns of customers as they shop in-store, online, via mobile. The report's analysis of the findings offers insights on payment behavior with traditional and newer methods, the use of mobile wallets and conversational commerce, gift card purchasing and usage, and the impact of in-store ATMs on spending and store visits.

Pete Reville, Director, Primary Research Services, Mercator Advisory Group, the author of this report comments, “When it comes to payments, U.S. consumers choose from a number of options and they have a specific option in mind when they walk into a merchant's store. Often, ticket size can be the primary determinant. Cash is still used extensively for smaller-ticket purchases. Another interesting insight from the survey results is the decrease in the use of conversational agents (e.g., Siri, Alexa, in car voice solutions) since last year's survey, which suggests that, for some consumers, payment via conversational interface it hasn't lived up to expectations.”

Companies mentioned are: Affirm, Android/Google, Apple, Klarna, PayPal and Samsung.

One of the exhibits included in this report:

Highlights of this report include:

  • Four in 10 U.S. consumers currently use a mobile wallet.
  • Credit cards are often the most method of payment, followed closely by debit cards
  • Among those who have used an ATM in a store, the majority report that they use of withdrawal at the ATM to purchase more and visit the store more often.
  • Security and/or anonymity compel consumers to prefer to login as guest and enter their card information when shopping online.
  • Consumers are more likely to buy reloadable GP (GPR) cards and e-gift cards for themselves and GP gift cards and retailer gift cards as gifts.
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