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市场调查报告书

美国小规模企业用信用卡市场

Payment Cards and B2B Payments: Riding a Wave of Positivity

出版商 Mercator Advisory Group, Inc. 商品编码 892534
出版日期 内容资讯 英文
商品交期: 最快1-2个工作天内
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美国小规模企业用信用卡市场 Payment Cards and B2B Payments: Riding a Wave of Positivity
出版日期: 2019年07月18日内容资讯: 英文
简介

本报告提供小规模企业的付款由于变成银行交易相关3个报告的第1子弹的东西,2019年3月和4月美国的小规模企业2,002公司为对象所实施的线上调查的结果为基础做著。

主要的内容:

  • 接受调查的小企业使用商业信用卡进行各种支付,但最常使用的是旅行费用(73%)和采购费用(64%)。
  • 虽然所有小型企业都重视低价良好的服务,但较大的公司正在寻找更复杂的卡片功能。
  • 约半数小企业回答他们的信用卡费用通常(24%)或偶尔(28%)不每月全额付清。
  • 只有约五分之一(22%)的小企业允许持卡员工获得该卡的优惠。
  • 接受调查的小企业中约有四分之一(26%)由其他贷方提供资金。选择其他贷方的主要标准是贷款申请的便利性(43%)和支付的速度(32%)。
目录

U.S. small businesses have a positive outlook in 2019.

Mercator Advisory Group new survey research finds that U.S. small businesses foresee growth for their companies in revenue, profitability, and employment.

Mercator Advisory Group's new Insight Summary Report, ‘Payment Cards and B2B Payments: Riding a Wave of Positivity ’, reveals that U.S. small businesses are largely positive about the prospects for the future of their respective firms with regard to revenues, profitability, and employment. The report is the first of three from Mercator's annual Small Business Payments and Banking Survey Series, a part of Mercator's Primary Data Service. It is based on findings from Mercator Advisory Group's online survey of 2,002 U.S. small businesses fielded in March and April 2019.

The survey's charts show the primary payment methods used by type, and they reveal attitudes toward cash flow and line of credit. The findings include small businesses' criteria for choosing a new credit card for the business, which differ by size of firm and indicate the average number of cards held per company.

“Now is a good time for those who work with small businesses to approach them for new opportunities. Projections for revenue and profitability are fairly high. There are definitely opportunities for financial institutions and others to get involved with small businesses,” states the author of the report, Pete Reville, Director of Primary Data Services including Small Business Monitor Survey Series at Mercator Advisory Group.

Companies mentioned in the report include: American Express, Discover, Kabbage, Lending Club, Mastercard, OnDeck Capital, PayPal, Prosper, and Visa.

Highlights of this report include:

  • Small businesses use their business cards for many different payments, but they are most likely to use their business cards for T&E (73%) and Procurement (64%).
  • While all small business value lower pricing and good service, larger companies are looking for a more sophisticated set of card features.
  • About one-half of small businesses report that their business card balance is usually not (24%) or occasionally not (28%) paid in full each month.
  • Only about one-fifth (22%) of small businesses allow employees with cards to keep rewards earned on those cards.
  • About one quarter (26%) of small businesses have a loan with an alternative lender. Their primary criteria for choosing an alternative lender are ease of application (43%) and the speed with which they get their funding (32%).
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