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市场调查报告书

小规模信用卡公司分析(2012年):期待已久的复出

Small Credit Card Issuers 2012: Waiting for a Renaissance

出版商 Mercator Advisory Group, Inc. 商品编码 233915
出版日期 内容信息 英文 27 Pages
商品交期: 最快1-2个工作天内
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小规模信用卡公司分析(2012年):期待已久的复出 Small Credit Card Issuers 2012: Waiting for a Renaissance
出版日期: 2012年03月12日 内容信息: 英文 27 Pages

本报告已在2018年07月02日停止出版

简介

本报告提供美国的小规模的信用卡发行公司近几年显著的发展,信用卡的直接发行措施的相关调查,2006年以后的市场趋势(智能卡直接发行热潮的到来和必要性),应该克服的课题(进入障碍,市场竞争的激烈程度等),促进产业的数据处理企业·外包服务企业的合作,其他建议(差异化策略等)内容,并将结果概述为以下内容。

简介

小规模信用卡发行公司将卷土重来吗?

  • 从来不是新问题
  • 促进其他两个市场撤退的因素
  • 信用卡发行公司的重新崛起:是真正的行动,或纯粹是谣言?
  • 进入障碍与成长
  • 小规模发行公司成功因素
  • 竞争性的消费者市场:小规模发行公司的相关课题
  • 计划的参与

外包服务:小规模发行公司的可能性和成功的确保

  • 进入这个产业需要很多的准备
  • 供应商和差异化
  • 其他的利害关系者

策略性建议

  • 市场减少的影响
  • 合法性的障碍
  • 水准以上的活动据点的必要性
  • 数据处理·外包服务企业:高科技与高触感的关注转移
  • 著作权记载

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目录

New research from Mercator Advisory Group examines developments in the often overlooked small issuer segment

Boston, MA -- Mercator Advisory Group's newest report assesses the odds of a renaissance of direct issuing among small issuers along with factors such as barriers to entry and competitive consumer challenges that affect those odds. Next, the research reviews a number of the important outsourcing partner firms serving this market.

As all financial institutions are faced with the challenge of growing their revenue-generating assets and putting their excess deposits to work, many smaller institutions are reexamining credit card lending as a growth opportunity or as a new product. Others that may have previously sold their card programs are again considering direct issuing. But will these new interests be able to turn around the long decline in the numbers of small FIs that directly issue credit cards? And what will these firms demand from their processing/outsourcing partners to support the increasingly complex credit card business?

“Considering the needs of small FIs to build assets, as well as the excellent resources available to effectively support small credit card programs via the processor/outsourcer community, the hopeful point of view would suggest the potential for strong growth in the ranks of small issuers. And indeed, we do hear from some processors/outsourcers that their pipelines of new issuers are strong. On the other hand, the hurdles are high for small FIs, and the established market trends are not positive,” comments Ken Paterson, VP for Research Operations at Mercator Advisory Group and the primary author of the report.

Highlights of the report include:

  • The overall shift in small bank credit card issuers since 2006 (based on combining the secular trend of consolidating financial institutions with portfolio sales).
  • Dominance of credit unions in the small issuer market and the portfolio sizes they are more likely to maintain.
  • Processors/outsourcers are key to maintaining small issuers, and have developed a remarkable standard array of technological and cardholder support capabilities.
  • How and why providers are differentiating their service offerings.

One of the nine exhibits included in this report:

Sources: FDIC, NCUA,Mercator Advisory Group
©Mercator Advisory Group

This report contains 27 pages and nine exhibits.

Companies mentioned in this report include: CSCU, Discover Network First Data Corporation, FIS, Fiserv, Jack Henry Associates, MasterCard, NEBA, PSCU Financial Services, TSYS Program Solutions, and Vantiv.

Table of Contents

Introduction

Is a Renaissance Dawning for Small Issuers?

  • Not a New Problem
  • Two Other Drivers of Decline
  • Issuer Resurgence: A Real Trend or Just Industry Buzz?
  • Barriers to Entry and Growth
  • Success Factors for Small Issuers
  • Competitive Consumer Challenges for Small Issuers
  • Program Commitment: How Low Can You Go?

Outsourcing: Making Small Issuers Feasible and Successful

  • It Takes a Lot to Be in This Business
  • Vendors and Differentiation
  • Other Stakeholders

Strategic Implications

  • The Implications of a Shrinking Pond
  • The Compliance Barrier
  • Needed: More Than a Level Playing Field
  • Processors/Outsourcers Move to High Touch as Well as High Tech
  • Copyright Notice

Figures and Tables

  • Figure 1: A Long-Established Trend: Decline in the Importance of Card Lending at Small Banks
  • Figure 2: In a Consolidation Environment, Bank Credit Card Issuers Have Declined Faster Since 2006
  • Figure 3: Small Banks Continue to Leave Card Issuing, While the Decline in Credit Union Issuers Stabilizes
  • Figure 4: Banks' Card Assets Are Heavily Concentrated with Large Issuers
  • Figure 5: A Higher Proportion of Credit Unions Maintain Healthy Portfolio Sizes
  • Figure 6: Small Issuers' Competitive Challenges: Rewards and Pricing Are Drivers of Card Selection
  • Figure 7: Small Issuers' Competitive Challenges: Consumers' Shift to Online Application Channels
  • Table 1: Outsourcing Partner Core Competencies, Part 1
  • Table 2: Outsourcing Partner Core Competencies, Part 2
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