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미국의 자체브랜드 신용카드 시장

Private Label Credit Cards in the U.S., 11th Edition

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발행일 2019년 06월 상품 코드 217052
페이지 정보 영문 158 Pages
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미국의 자체브랜드 신용카드 시장 Private Label Credit Cards in the U.S., 11th Edition
발행일 : 2019년 06월 페이지 정보 : 영문 158 Pages

미국의 자체브랜드 신용카드(Private Label Credit Cards) 시장에 대해 조사분석했으며, 소매 신용카드 프로그램의 기능 및 편익 분석, 소매 카드 전략, 성장 동향, 기회 탐색 등의 정보를 정리하여 전해드립니다.

제1장 개요

제2장 시장 규모와 예측

  • 융자와 구입 가격 : 발행회사별
  • 자체브랜드 카드 시장 예측

제3장 동향과 기회

  • 구제용 앱
  • 자체브랜드 신용카드 : 로열티 프로그램과 앱

제4장 자체브랜드 발행 은행

  • Alliance Data Systems
  • Capital One
  • Citi Retail Services
  • Synchrony Financial Services
  • TD Bank
  • Wells Fargo

제5장 자체브랜드 신용카드의 이용 동향

  • 신용카드의 이용 동향

제6장 점포 전용 카드 사용자

제7장 자체브랜드 신용카드의 입회 신청과 이용 촉진요인

  • 로열티의 지표
  • 자체브랜드 카드의 입회 신청과 이용 빈도의 영향요인
  • 자체브랜드 카드의 이용 빈도 영향요인
  • 부록
  • 배경
  • 조사 방법
KSA 17.09.27

이 페이지에 게재되어 있는 내용은 최신판과 약간 차이가 있을 수 있으므로 영문목차를 함께 참조하여 주시기 바랍니다. 기타 자세한 사항은 문의 바랍니다.

A $157 billion dollar industry in 2018 by loan receivables, private label credit card platforms continue to play an integral role in retailer loyalty programs, and the private label credit card industry will continue to benefit from the broader transition from paper-based to electronic payments--and related shifts in consumer purchasing behavior toward the card-friendly realm of digital commerce and in-app payments. The industry is aggressively pivoting to technology-based strategies, honing data analytics capabilities to target client customers more precisely and effectively in the effort to translate that targeting into consumer purchasing behavior. However, growth challenges also loom, including competition from installment loans and increasing credit risk. The greatest threat to private label credit cards, moreover, may be co-branded credit cards.

‘Private Label Credit Cards in the U.S., 11th Edition’, provides a wealth of insight on this growing market, with an emphasis on program features and benefits analysis, loyalty program integration, program- and issuer-specific market sizing, and digital applications.

The analysis in the report:

  • Provides loans outstanding and purchase value estimates for the U.S. private label credit card market by issuer for 2016-2018, and a loans outstanding and purchase value forecast for 2019-2021, with forecast factors.
  • Presents additional assessment of more than 20 individual private label credit card programs, including loans outstanding and purchase value.
  • Assesses the industry shift to mobile and digital, including retailer mobile app usage and interest by feature and how mobile increasing fits into the loyalty and card strategies of major retailers.
  • Assesses consumer usage and active usage of private label credit cards segmented by retailer type, as well as monthly private label credit card spending and portion of balance paid.
  • Assesses the degree to which a variety of credit card credit card features and benefits would incentivize credit card users (private label and non-private label) users to sign up for a new private label credit card and would incentivize private label cardholders to them more often.
  • Assesses U.S. private label card programs operated by the industry's leading financial institutions, including Alliance Data Systems, Citi Retail Services, Capital One, Synchrony Financial Services, TD Bank and Wells Fargo, including private label card purchase value and loans outstanding by retailer.
  • Trends general-purpose credit card and store card usage penetration, usage in past 30 days, and monthly usage frequency during 2011-2017.
  • Assesses the impact store cards have on the type of payment used at the point of sale, receptivity to promotional marketing and tendency to act on that marketing.

Table of Contents

CHAPTER 1: EXECUTIVE SUMMARY

  • REPORT SCOPE
  • REPORT SUMMARY
    • Market Size and Forecast
    • Private Label Credit Card and Loyalty Program Analyses
    • American Eagle
    • Forever 21
    • Kohl's
    • Macy's
    • Victoria's Secret
    • Zulily
    • Private Label Credit Card Usage Trends
    • Credit Card Usage Trends Over Time by Card Type
    • Active Credit Card Usage Trends by Card Type
    • General-Purpose and Store Credit Card Active Usage Rates
    • Store Card Usage Frequency Trends
    • Store Card User Demographics
    • Private Label Credit Card Users
    • Private Label Credit Card Application and Usage Motivators
    • Private Label Card Usage Motivators
    • Private Label Card Usage Frequency Motivators
    • Private Label Credit Card Loyalty and Digital Engagement
    • Cards as Loyalty Barometers
    • Retailer-Specific Mobile App Usage and Usage Methods
    • Private Label Credit Card User Online and Mobile Engagement
    • Alliance Data Systems
    • Capital One
    • Citi Retail Services
    • Synchrony Financial
    • TD Bank
    • Wells Fargo

CHAPTER 2: MARKET SIZE AND FORECAST

  • SIX ISSUERS DOMINATE THE MARKET
  • PURCHASE VALUE BY ISSUER
    • Table 2-1: Private Label Credit Card Purchase Value, by Issuer, 2016-2018
    • Table 2-2: Private Label Credit Card Purchase Value Share, by Issuer, 2016-2018
  • LOAN RECEIVABLES BY ISSUER
    • Table 2-3: Private Label Credit Card Loan Receivables, by Issuer, 2016-2018
    • Table 2-4: Private Label Credit Card Loan Receivables Share, by Issuer, 2016-2018
  • PRIVATE LABEL CREDIT CARDS MARKET FORECAST

CHAPTER 3: PRIVATE LABEL CREDIT CARD AND LOYALTY PROGRAM ANALYSES

  • AMERICAN EAGLE
    • The Card: Tailored to Authenticity-Seeking Youth Market
      • Table 3-1: The American Eagle Customer: Key Demographics by Purchase Frequency, 2019
    • The Loyalty Connection
    • Shift to cash coupons paying dividends
    • Leveraging rewards
    • The App: Connecting to REAL ethos
    • Seamless shopping experience
    • Harnessing social media
    • Other ways to achieve instant gratification
      • Table 3-2: American Eagle Customers vs. Average Consumers: Online/Mobile Engagement, 2019
    • The Marketing Angle
    • Deftly walking the line between inclusivity and exclusivity
  • FOREVER 21
    • Table 3-3: The Forever 21 Customer: Key Demographics by Purchase Frequency, 2019
  • The Card: Rolling Out the Welcome Kit
  • Convenience first?
  • The Loyalty Program
  • Installment plan, anyone?
  • The App: Omni-Channel Leverage
  • Spurring in-store interaction
  • User-generated content a win
    • Table 3-4: Forever 21 Customers vs. Average Consumers: Online/Mobile Engagement, 2019
  • KOHL'S
    • The Card
    • An integral part of the rewards program
      • Table 3-5: The Kohl's Customer: Key Demographics by Purchase Frequency, 2019
    • The Loyalty Connection
    • The App
      • Table 3-6: Kohl's Customers vs. Average Consumers: Online/Mobile Engagement, 2019
    • The Marketing Angle: Simplification and Innovation
  • MACY'S
    • The Card: Rewarding the Top Tier
    • Keep those Platinum members happy
      • Table 3-7: The Macy's Customer: Key Demographics by Purchase Frequency, 2019
    • The Loyalty Connection
    • Tender-neutral approach lures millions
    • Core benefits
    • The App
    • Store Mode, Scan & Pay, and augmented reality
      • Table 3-8: Macy's Customers vs. Average Consumers: Online/Mobile Engagement, 2019
    • The Marketing Angle
  • VICTORIA'S SECRET
    • The Card
      • Table 3-9: The Victoria's Secret Customer: Key Demographics by Purchase Frequency, 2019
    • The Loyalty Connection
    • The App
      • Table 3-10: Victoria's Secret Customers vs. Average Consumers: Online/Mobile Engagement, 2019
    • The Marketing Angle
  • ZULILY
    • The Card
    • Muted benefits
    • Installment-lite option
    • The Loyalty Connection
    • Brand evolution
    • The App
    • Start the clock!
    • Cutting through the clutter
    • The Marketing Angle

CHAPTER 4: PRIVATE LABEL CREDIT CARD USAGE TRENDS

  • CREDIT CARD USAGE TRENDS OVER TIME BY CARD TYPE
    • Table 4-1: Credit Card Usage: Any, General-Purpose and Store Credit Cards, by Type, 2015-2019
  • Active Credit Card Usage Trends by Card Type
    • Table 4-2: Credit Card Usage in Last 30 Days: Any, General-Purpose and Store Credit Cards, by Type, 2015-2019
  • General-Purpose and Store Credit Card Active Usage Rates
    • Table 4-3: Any, General-Purpose and Store Credit Cards, by Type: Usage, Usage in Last 30 Days, and Active Usage Rate, 2019
  • Store Card Usage Frequency Trends
    • Table 4-4: Store Card Usage, Usage in Past 30 Days, and Monthly Usage Frequency by Card Type, 2015-2019
  • Store Card User Demographics
    • Table 4-5: Usage in Past 30 Days, General-Purpose and Store Credit Card (Any, Department Store, and Other) by Demographic, 2019
  • PRIVATE LABEL CREDIT CARD USERS
    • Types of Private Label Credit Card Used, by Retail Segment
      • Table 4-6: Private Label Credit Cards Used & Used in Past 30 Days by Retailer Type, 2019
    • Demographic Analysis
      • Table 4-7: Private Label Credit Cards Used in Past 30 Days by Retailer Type, Gender, and Age Bracket, 2019
      • Table 4-8: Private Label Credit Cards Used in Past 30 Days by Retailer Type and Household Income Bracket, 2019

CHAPTER 5: APPLICATION AND USAGE MOTIVATORS

  • PRIVATE LABEL CARD APPLICATION AND USAGE FREQUENCY MOTIVATORS
    • Overview
  • PRIVATE LABEL CARD APPLICATION MOTIVATORS
    • Table 5-1: Private Label Credit Card Application Motivators: Credit Card Users vs. Store Card Users vs. Non-Store Card Users, 2019
    • Table 5-2: Private Label Credit Card Application Motivators by Gender and Age Bracket, 2019
  • PRIVATE LABEL CARD USAGE FREQUENCY MOTIVATORS
    • Table 5-3: Private Label Credit Card Usage Frequency Motivators by Demographic, 2019
    • Table 5-4: Private Label Credit Card Usage Frequency Motivators by Gender and Age Bracket, 2019

CHAPTER 6: PRIVATE LABEL CREDIT CARD LOYALTY AND DIGITAL ENGAGEMENT

  • CARDS AS LOYALTY BAROMETERS
    • Table 6-1: Private Label Credit Card Used Most: Consumer Loyalty Attitudes and Behaviors, 2019
  • RETAILER-SPECIFIC MOBILE APPS
    • Retailer-specific mobile apps an important means of consumer engagement
      • Table 6-2: Retailer-Specific Mobile App Usage and Usage in Last 30 Days: Private Label Credit Card Users vs. Non-Users, 2019
      • Table 6-3: Retailer-Specific Mobile App Usage and Usage in Last 30 Days: Private Label Credit Card Users vs. Non-Users by Demographic, 2019
  • RETAILER-SPECIFIC MOBILE APP USAGE METHODS
    • Table 6-4: Retailer-Specific Mobile App Usage Methods: Used, Not Used; Would Use; Would Not Use, 2019
    • Table 6-5: Retailer-Specific Mobile App Usage Methods: Used and Would Use Again by Gender and Age Bracket, 2019
  • PRIVATE LABEL CREDIT CARD USER ONLINE AND MOBILE ENGAGEMENT
    • Table 6-6: Usage in Past 30 Days, General-Purpose and Store Credit Card (Any, Department Store, and Other): Online/Mobile Engagement, 2018

CHAPTER 7: PRIVATE LABEL CREDIT CARD BANK ISSUERS

  • ALLIANCE DATA SYSTEMS
    • Table 7-1: Alliance Data Systems Private Label Credit Card Purchase Value and Loan Receivables, 2016-2018
  • Operating Segments
    • Table 7-2: Alliance Data Systems: Revenue and Revenue Share by Operating Segment, 2014-2018
  • Finance charges drive revenue
    • Table 7-3: Alliance Data Systems, Revenue and Revenue Share by Type, 2014-2018
  • Competitive Positioning
  • An evolving client base
  • Key positioning: primary marketing, loyalty and payment services provider
  • Competitive strategies
  • Private Label Credit Card Partners
  • Client signings and related momentum
  • Client losses
    • Table 7-4: Alliance Data Systems: Portfolio Arrivals and Departures, 2017-2019
  • Top Five Retail Partners
    • Table 7-5: Alliance Data Systems Top Five Retail Partners, by Domestic Sales, 2016-2018 (billion dollars)
    • Table 7-6: Alliance Data Systems Top Five Retail Partners: By U.S. Sales and Credit Card Tender Share and Purchase Value, 2016-2018
  • Other Partners
  • Performance Analysis
  • Per-account purchase value and loan receivables growth translate to revenue bump
    • Table 7-7: Alliance Data Systems, Credit Services Segment Performance Metrics, 2014-2018
    • Table 7-8: Alliance Data Systems, Credit Services Per-Account Performance Metrics, 2014-2018
  • CAPITAL ONE
    • Table 7-9: Capital One Private Label Credit Card Purchase Value and Loan Receivables, 2016-2018
  • Program Partners
    • Table 7-10: Capital One Financial: Private Label and Co-Brand Credit Card Program Partners, by Retail Segment and Card Type, 2018
  • Walmart
  • Kohl's
  • Neiman Marcus
  • Hudson's Bay Company
  • CITI RETAIL SERVICES
    • Table 7-11: Citi Retail Services Private Label Credit Card Purchase Value and Loan Receivables, 2016-2018
  • Signings and acquisitions
  • Top Five Retail Partners
    • Table 7-12: Citi Retail Services Top Five Retail Partners by U.S. Sales, 2014-2018 (billion dollars)
    • Table 7-13: Citi Retail Services Top Five Retail Partners by U.S. Sales, Private Label Card Tender Share, and Purchase Value, 2014-2018 (billion dollars)
  • Other Partners
  • Sears
  • L.L. Bean
  • Gas accounts
  • Bottom Line Importance for Retailers
    • Table 7-14: Macy's Inc: Net Sales, Card Tender Share, and Card Revenue, 2016-2018
  • Performance Analysis
    • Table 7-15: Citi Retail Services: Purchase Value, Loan Balances, and Open Accounts, 2014-2018
  • SYNCHRONY FINANCIAL
    • Table 7-16: Synchrony Financial Private Label Credit Card Purchase Value and Loan Receivables, 2016-2018
  • Company Operating Segments
    • Table 7-17: Synchrony Financial Purchase Value, Loans, and Average Active Accounts: By Operating Segment, 2014-2018
  • Loan and interest and fee growth over time
    • Table 7-18: Synchrony Financial Interest and Fees on Loans, by Segment, 2014-2018
  • Growth strategies
  • Retail Card Segment
    • Table 7-19: Synchrony Financial Retail Card Segment: Loans, Purchase Value, and Active Accounts, 2014-2018
  • Retail Card Private Label Credit Card Partnerships
  • PayPal leads list of top five partners by loan receivables
    • Table 7-20: Synchrony Financial Retail Card Segment: Top Five Partners by Loan Receivables, 2015-2018
  • Sam's Club is the largest of top partners by loan receivables
    • Table 7-21: Synchrony Financial Retail Card Purchase Value: Top Partners by Loan Receivables, 2015-2018
  • Other partnerships
    • Table 7-22: Amazon Private Label and Co-Branded Credit Card In-Store Purchase Value, 2016-2018 (billion dollars)
  • Payment Solutions Segment
    • Table 7-23: Synchrony Financial Payment Solutions Segment: Loans, Purchase Value, and Active Accounts, 2014-2018
  • Payment Solutions Program Partnerships
  • Major Payment Solutions partners
    • Table 7-24: Synchrony Financial Payments Solutions: Interest and Fees on Loans by Retail Market, 2016 vs. 2018
    • Table 7-25: Synchrony Financial Payments Solutions: Top Partnerships, 2014 vs. 2018
  • CareCredit Segment
    • Table 7-26: Synchrony Financial CareCredit Segment: Loans, Purchase Value, and Active Accounts, 2014-2018
  • TD BANK
    • Target
    • Nordstrom
      • Table 7-27: Target and Nordstrom Private Label Credit Card Loan Receivables, 2015-2018 (billion dollars)
  • WELLS FARGO
    • Dillard's
      • Table 7-28: Wells Fargo Retail Services Loans Outstanding and Purchase Value, 2015-2018 (billion dollars)
  • APPENDIX
  • BACKGROUND
    • Major retailer benefits: usable data and customer loyalty
    • Major cardholder benefit: buying power
  • METHODOLOGY
    • Consumer survey methodology
    • Market size and forecast methodology
  • TABLE INDEXES
  • TERMS AND DEFINITIONS
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