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상업자 표시 신용카드(PLCC)의 최신 동향 : 새로운 경쟁과 시장 기회

Private Label Credit Cards Update: New Opportunities, New Competitors

리서치사 Mercator Advisory Group, Inc.
발행일 2019년 12월 상품 코드 920808
페이지 정보 영문 19 Pages
US $ 2,950 ₩ 3,666,000 PDF by E-mail (Single User License)

상업자 표시 신용카드(PLCC)의 최신 동향 : 새로운 경쟁과 시장 기회 Private Label Credit Cards Update: New Opportunities, New Competitors
발행일 : 2019년 12월 페이지 정보 : 영문 19 Pages

미국의 상업자 표시 신용카드(PLCC: Private Label Credit Card) 시장을 조사하고, 소매 부문에서의 소비자 행동 변화, 새로운 PLCC 경쟁자, PLCC 사업자의 전략적 전개와 혁신적인 제품 개발 동향 등을 정리했습니다.

조사 내용 하이라이트

  • 소비자 조사 데이터
    • 미국 카드 소지자의 이용 행동 변화
    • 계산대 POS에서의 대체 방법에 의한 결제로의 전환 추세
  • 미국의 PLCC 계정 범용 카드 동향
  • 미국의 개인 무담보 대출 상품 동향
  • 경쟁 환경 : PLCC 발행업체 및 경쟁 사업자
  • 주요 리테일러 프로그램 및 게시 파트너 리뷰
  • 금융 상품 혁신에 의한 PLCC 환경 재형성 : 담보 PLCC, 반폐쇄루프 PLCC 프로그램

게재 기업과 조직

  • Alliance Data / Comenity
  • Amazon
  • Apple
  • Capital One
  • Chase
  • Citibank
  • Discover
  • Goldman Sachs
  • US Bank
  • Synchrony
  • TD Bank
  • Walmart
LSH 20.01.22

Program innovations keep private label credit cards competitive in the consumer retail marketplace.

New research report by Mercator Advisory Group reviews the U.S. private label credit card market and stakeholders as they adapt to changing retail and consumer interests.

In spite of their many advantages and widely deployed infrastructure, private label credit cards (PLCCs) are now subject to new competitive market forces in the U.S. market. Yet they remain an essential credit vehicle. They have successfully been adapted and grown over decades. They continue to show flexibility as retailers refresh their offerings, and they continue to enjoy a major numeric advantage in number of accounts compared to the newer transactional credit accounts. The analysis presented in Mercator Advisory Group's latest research report, Private Label Credit Cards Update: New Opportunities, New Competitors, reviews strategic developments and product outlook for private label credit cards and their stakeholders.

“The ability of the PLCC industry to remake itself and grow over the decades is remarkable, and it continues to attract new issuers and program sponsors. The competitive challenges facing retailers in adjusting the mix of online versus physical store sales creates strategic challenges for all stakeholders,” commented the author of the research report, Brian Riley, Director, Credit Advisory Service at Mercator Advisory Group. “But innovative programs ensure PLCC products will keep pace with the needs of retailers and their customers.”

This research report contains 19 pages and 12 exhibits.

Companies and other organizations mentioned in this research report include: Alliance Data/Comenity, Amazon, Apple, Capital One, Chase, Citibank, Discover, Goldman Sachs, US Bank, Synchrony, TD Bank, and Walmart.

One of the exhibits included in this report:

Highlights of the research report include:

  • Consumer survey data documenting U.S. cardholders' shifts in product use and inclinations to use alternative credit at checkout or point of sale (POS)
  • Trends in PLCC accounts versus general purpose cards and unsecured personal loan products in the United States.
  • The competitive environment of PLCC issuer competitors
  • A review of the leading retailer programs and issuing partners
  • Product innovations reshaping the PLCC landscape, including secured PLCCs and semi-closed loop PLCC programs
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