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미국의 상업자 표시 신용카드(제12판)

Private Label Credit Cards in the U.S., 12th Edition

리서치사 Packaged Facts
발행일 2021년 05월 상품 코드 1007809
페이지 정보 영문 123 Pages
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US $ 9,000 ₩ 10,709,000 PDF (Corporate License)


미국의 상업자 표시 신용카드(제12판) Private Label Credit Cards in the U.S., 12th Edition
발행일 : 2021년 05월 페이지 정보 : 영문 123 Pages

본 상품은 영문 자료로 한글과 영문목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

미국의 상업자 표시 신용카드(Private Label Credit Cards)에 대해 조사했으며, 신용카드 프로그램의 기능과 이점 분석, 성장 동향, 향후 전략, COVID-19가 소매 부문과 상업자 표시 신용카드 시장에 미치는 영향 등의 정보를 제공합니다.

목차

주요 요약

  • 보고서 범위
    • 보고서 조사 방법
    • 시장 실적 상황
    • 시장 규모와 성장
  • 주요 상업자 표시 신용카드 발행자
    • Alliance Data Systems
    • Capital One
    • Citi Retail Services
    • Synchrony Financial
    • TD Bank
    • Wells Fargo
  • 상업자 표시 신용카드 소비자 동향
    • 55%가 상업자 표시 신용카드를 가지고 있다
    • 스토어 카드 사용 상황과 인구통계

시장 규모와 성장

  • 시장 배경
    • 소매업 전용 신용카드가 탄생
    • 소매업이 신용카드 포트폴리오를 금융 서비스 회사에 매각
    • 대형 소매업의 이점 : 데이터와 로열티
    • 카드 회원의 주요 이점 : 구매력
  • 시장 실적
    • 시장 실적 상황
    • 시장 규모와 성장
  • 소매 및 상업자 표시 신용카드 실적 성장 촉진요인
    • COVID 이코노미
    • 점포 판매 탱크, E-Commerce 급증
    • 대형 소매점에 기회를 준 Amazon의 침체
    • 파산을 신청한 문제 있는 소매업체
    • 일부 대형 소매점은 대불황 후에 사업을 재고
    • 2020년 4분기 발행자의 이용 가능한 신용 인상
    • 팬데믹에 의해 가속된 BNPL의 폭넓은 소매 채용
    • PLCC 등록으로부터 점점 더 분리하는 소매업체의 로열티 프로그램

주요 상업자 표시 신용카드 발행자 개요

  • 주요 과제
  • Alliance Data Systems
    • 개요
    • 시장 현실에 대처하기 위한 기업 전체의 변화를 강조하고 있는 Alliance Data
    • POS 할부 대출 사업의 ADS
    • 사업 전략
    • 사업 부문
    • 재무 비용이 매출을 촉진
    • 경쟁 포지셔닝
    • 진화하는 클라이언트 기반
    • 중요한 포지셔닝 : 프라이머리 마케팅, 로열티 및 결제 서비스 프로바이더
    • 기타 경쟁 전략
    • 상업자 표시 신용카드 파트너
    • Williams-Sonoma
    • 기타 파트너
  • Capital One
    • 개요
    • Walmart
    • Kohl's
    • Neiman Marcus
    • Hudson's Bay Company
  • Citi Retail Services
    • 개요
    • 활동과 인수
    • 주요 4개 소매 파트너
    • 기타 파트너
  • Synchrony Financial
    • 개요
    • 리테일 카드 판매 플랫폼
    • 결제 솔루션
    • CareCredit
    • 2021년 이후 기업 전략
    • 대출, 이자 및 수수료 증가
    • 성장 전략
  • TD Bank
    • 개요
    • Nordstrom
    • Target
    • 기타 파트너
  • Wells Fargo
    • 개요
    • 6개 턴키 PLCC 파이낸싱 솔루션
    • 상업자 표시 카드 사업 매각과 보유 결정

각 상업자 표시 신용카드와 로열티 프로그램 개요

  • American Eagle
    • 개요
    • Aerie 브랜드
    • 주요 사업의 우선순위와 전략
    • Real Rewards인 로열티
    • Real Rewards를 위한 앱
  • Forever 21
    • 개요
    • 점내 체크아웃에서의 Afterpay의 BNPL 서비스
  • Kohl's
    • 개요
    • 팬데믹의 해를 극복하기 위한 충실한 고객에 대한 의존
    • 타겟화되고 맞춤화된 커뮤니케이션에 의한 매출 확대
    • Kohl 앱 : 친숙함이 친밀감을 낳는 판매
  • Macy's
    • 개요
    • 주방의 싱크 마케팅 전략
    • 고객 기반
    • 미디어 네트워크
    • 현재 가이던스
    • 상환 프로그램
    • 체인 매출의 30%를 차지하는 Top Tier 고객
    • 상환 프로그램을 쇄신하고, 카드를 사용하지 않는 고객도 대상으로
    • Macy의 최대 BNPL 프로바이더인 Klarna으로의 출자
    • 심플하고 풍부한 기능을 갖춘 Macy's 앱
    • 마케팅 견해
    • 새로운 컨셉으로 시장을 메우는 폐점 후의 Macy's
  • Neiman Marcus
    • 개요
    • InCircle 로열티 프로그램
  • Nordstrom
    • 개요
  • Target
    • 개요
    • 인적 자본과 유통 투자에 의한 팬데믹에 대한 대응
    • RedCard 이외 쇼핑객을 마케팅 엔진으로 불러 들이는 Target Circle
  • Victoria's Secret
    • 개요
    • 2015년부터 2020년 초반에 걸친 Victoria's Secret의 시장 점유율 반감
    • 여성의 섹시, 컴포트, 핏에 관한 체인점의 빗나간 평가
    • Alliance Data가 Victoria's Secret과 PINK의 비접촉형 스토어 카드를 발표
    • VS는 빠르게 증가하는 보상에 의한 지갑 점유율의 추구
    • 마케팅 견해 : VS와 PINK의 화해

상업자 표시 카드 사용 동향

  • 상황에서의 상업자 표시 신용카드
    • 72%가 신용카드 소지
    • 55%가 상업자 표시 신용카드를 소지
    • 상업자 표시 카드의 사이코그래픽
    • 스토어 카드 사용법
    • 스토어 카드 사용자 인구통계
    • 고객 기반 각 상업자 표시 신용카드 실적 동향

부록

  • 용어와 정의
KSM 21.06.21

This report covers the U.S. market for private-label credit cards (PLCCs), including store cards, with an emphasis on retail credit card program features and benefits analysis, retail card strategies, and growth trends. More specifically, the report:

  • Analyzes the impact of COVID-19 on the retail sector and the private-label credit card market.
  • Provides an analysis of large retailer strategies to innovate/stay above water during COVID-19's window of unprecedented stress on the retail economy.
  • Outlines the going-forward strategies of top private-label credit card issuers. Those issuers are Alliance Data Systems, Citi Retail Services, Capital One, Synchrony Financial Services, TD Bank, and Wells Fargo.
  • Conducts an in-depth analysis of seven private-label credit card programs from within the context of the retailer's loyalty program and its results. Program analysis of American Eagle, Forever 21, Kohl's, Macy's, Target, and Victoria's Secret are included. Each profile includes survey-based analysis of customer demographics.
  • Assesses consumer use of private-label credit cards segmented by retailer type, including the type of card they use most frequently, and which features and benefits would entice private-label credit cardholders to use this purchasing method more frequently.

Loans outstanding and purchase value estimates for the U.S. private-label credit card (PLCC) market are provided for 2019 and 2020, and loans outstanding and purchase value forecasts are provided for 2021-2022.

Report Methodology:

The information contained in this report was obtained from primary and secondary research. Primary research included a Packaged Facts February/March 2021 national consumer survey with a sample of 2,000 U.S. adults (age 18+), with the sample in aggregate being census representative on the primary demographic measures of age, gender, geographic region, race/ethnicity, and household income. The discussion of store card usage patterns and demographics also draws on Fall 2020 release MRI National Consumer Study data, with field dates through November 2020.

Market estimates draw on multiple sources, including:

  • company annual and quarterly filings
  • FDIC Reports of Condition and Income (also known as Call Report data)
  • credit card trusts (asset-backed securities backed by credit card loans held by financial institutions)
  • Federal Reserve data

Table of Contents

Executive Summary

  • Scope of Report
    • Report Methodology
    • Context for Market Performance
    • Market Size and Growth
      • Table: Receivables, Private-Label Credit Cards: Top Issuers, 2018-2020, with CAGR (in billions of dollars)
      • Table: Purchase Volume, Private-Label Credit Cards: Top Issuers, 2018-2020, with CAGR (in billions of dollars)
  • Top Private-Label Credit Card Issuers
    • Alliance Data Systems
    • Capital One
    • Citi Retail Services
    • Synchrony Financial
    • TD Bank
    • Wells Fargo
  • Private Label Credit Card Consumer Trends
    • 55% Have Private-Label Credit Cards
    • Store Card Usage and Demographics
      • Table: Credit Card Usage Rates by Type: Have in Own Name vs. Used in Last 12 Months, 2020 (percent of adults)

Market Size and Growth

  • Market Background
    • First Credit Cards Were Retailer-Specific
    • Retailers Sell Credit Card Portfolios to Financial Services Firms
    • Major Retailer Benefits: Data and Loyalty
    • Major Cardholder Benefit: Buying Power
  • Market Performance
    • Context for Market Performance
    • Market Size and Growth
      • Table: Receivables, Private-Label Credit Cards: Top Issuers, 2018-2020, with CAGR (in billions of dollars)
      • Table: Purchase Volume, Private-Label Credit Cards: Top Issuers, 2018-2020, with CAGR (in billions of dollars)
  • Drivers of Retail and Private-Label Credit Card Performance
    • The COVID Economy
    • Store Sales Tanked, E-Commerce Surged
    • Amazon Stumbles Gave Big Box Retailers an Opportunity
    • Troubled Retailers Filed for Bankruptcy
    • Some Big Box Retailers Reimagined Their Businesses After the Great Recession
    • In 4Q 2020, Issuers Pulled in Available Credit
    • Broad Retail Adoption of BNPL Accelerated by Pandemic
    • Retailers' Loyalty Programs Increasingly Separate from PLCC Enrollment

Profiles of Top Private-Label Credit Card Issuers

  • The Top Issuers
  • Alliance Data Systems
    • Overview
    • Alliance Data Stresses Corporation-wide Changes to Address Market Realities
    • ADS in POS Installment Loan Business
    • Business Strategy
      • Table: Alliance Data Systems Private-Label Credit Card Purchase Volume and Loan Receivables, 2018-2020 (in billions of dollars)
    • Operating Segments
      • Table: Alliance Data Systems: Revenue and Revenue Share by Operating Segment, 2018-2020 (in billions of dollars)
    • Finance Charges Drive Revenue
      • Table: Alliance Data Systems, Revenue and Revenue Share by Type, 2018-2020 (in millions of dollars)
    • Competitive Positioning
    • An Evolving Client Base
    • Key Positioning: Primary Marketing, Loyalty, and Payment Services Provider
    • Other Competitive Strategies
    • Private-Label Credit Card Partners
      • Table: Alliance Data Systems Top Five Retail Partners, by Domestic Sales, 2019-2020 (in billions of dollars)
    • Williams-Sonoma
    • Other Partners
  • Capital One
    • Overview
      • Table: Capital One Private-Label Credit Card Purchase Value and Loan Receivables, 2018-2020 (in billions of dollars)
    • Program Partners
    • Walmart
    • Kohl's
    • Neiman Marcus
    • Hudson's Bay Company
  • Citi Retail Services
    • Overview
    • Activity and Acquisitions
    • Top Four Retail Partners
      • Table: Citi Retail Services Top Four Retail Partners by U.S. Sales, 2018-2020 (in billions of dollars)
      • Table: Citi Retail Services Top Four Retail Partners by U.S. Sales, Private-Label Card Tender Share, and Purchase Value, 2018-2020 (in billions of dollars)
    • Other Partners
  • Synchrony Financial
    • Overview
      • Table: Key Synchrony Financial and Performance Metrics, 2019 and 2020 (in dollars)
    • Retail Card Sales Platforms
    • Payment Solutions
    • CareCredit
    • Corporate Strategies for 2021 and Beyond
      • Table: Synchrony Financial Private-Label Credit Card Purchase Value and Loan Receivables, 2019-2020 (in billions of dollars)
      • Table: Synchrony Financial Purchase Volume and Average Active Accounts: By Operating Segment, 2018-2020 (in billions of dollars)
    • Loan, Interest, and Fee Growth
      • Table: Synchrony Financial Interest and Fees on Loans, by Segment, 2018-2020 (in billions of dollars)
    • Growth Strategies
      • Table: Key Synchrony Retail Card Program Participants as of December 31, 2020 (length of relationship in years)
  • TD Bank
    • Overview
    • Nordstrom
    • Target
    • Other Partners
  • Wells Fargo
    • Overview
      • Table: Wells Fargo Services, Key Private-Label Card Metrics, 2018-2020
    • Six Turnkey PLCC Financing Solutions
    • Move to Sell, Decision to Retain Private-Label Card Segment

Profiles of Selected Private-Label Credit Card and Loyalty Programs

  • American Eagle
    • Overview
    • Aerie Brand
    • Key Business Priorities & Strategy
    • Loyalty Is Real Reward(ing)
    • The App for Real Rewards
  • Forever 21
    • Overview
    • Afterpay's BNPL Service at In-Store Checkout
  • Kohl's
    • Overview
    • Relying on Loyal Customers to Survive the Pandemic Year
    • Driving Sales through Targeted and Personalized Communications
    • The Kohl's App: Familiarity Breeds Familiarity. And Sales
  • Macy's
    • Overview
    • Kitchen Sink Marketing Strategy
    • Customer Base
      • Table: The Macy's Customer: Key Demographics, Spring 2020
    • Media Network
    • Current Guidance
    • Rewards Program
    • Top Tier Customers Represent 30% of the Chain's Revenues
    • Retooled Rewards Program Includes Non-Card Using Shoppers
    • Macy Invests in Klarna, the Largest BNPL Provider
    • Macy's App Is Both Simple and Richly Featured
    • The Marketing Angle
    • After Closing Stores, Macy's Tries New Concepts to Backfill Markets
  • Neiman Marcus
    • Overview
    • InCircle Loyalty Program
  • Nordstrom
    • Overview
      • Table: The Nordstrom Customer: Key Demographics, Spring 2020
  • Target
    • Overview
    • Investments in Human Capital and Distribution Made Target Pandemic Ready
      • Table: The Target Customer: Key Demographics, Spring 2020
    • Target Circle Brings Non-RedCard Shoppers Into Marketing Engine
  • Victoria's Secret
    • Overview
    • From 2015 to Early 2020, Victoria's Secret Market Share Fell by Half
    • Chain Misses the Mark on Female Sexy, Comfort and Fit
    • Alliance Data Introduces Contactless Store Cards for Victoria's Secret and PINK
    • VS Uses Rapidly Escalating Rewards to Pursue Share of Wallet
    • The Marketing Angle: Reconciling VS and PINK

Private Label Card Usage Trends

  • Private Label Credit Cards in Context
    • 72% Have Credit Cards
      • Table: Overall Credit Card Customer Base: Have in Own Name vs. Used in Last 12 Months, 2020 (percent and number of adults)
    • 55% Have Private-Label Credit Cards
      • Table: Private-Label Credit Card Use by Type: Have vs. Use in Last 30 Days, 2021 (percent of adults)
    • Private-Label Card Psychographics
      • Table: Selected Psychographics About Store Cards, 2021 (percent agreeing)
    • Store Card Usage
      • Table: Credit Card Usage Rates by Type: Have in Own Name vs. Used in Last 12 Months, 2020 (percent of adults)
      • Table: Credit Card Usage Rates by Type: Have in Own Name vs. Used in Last 12 Months, 2020 (number of adults in thousands)
    • Store Card User Demographics
      • Table: Credit Card User Demographics: Credit Cards Overall, Not Co-Branded Store Cards, and Co-Branded Store Cards Demographic, 2020 (percent of cardholders using card in last 12 months)
    • Historically Trended Customer Base for Selected Private-Label Store Cards
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Dillard's, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: JC Penny, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Macy's, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Nordstrom, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Sears, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Target, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Walmart, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)
      • Table: Store Card Only (Not Co-Branded) Usage Trends: Other, Fall 2010 - Fall 2020 (have in own name and used in last 12 months)

Appendix

  • Terms and definitions
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