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市场调查报告书

适用于新用户环境的信用卡产品

Credit Card Products for a New User Environment

出版商 Mercator Advisory Group, Inc. 商品编码 959914
出版日期 内容资讯 英文 20 Pages, 13 Exhibits
商品交期: 最快1-2个工作天内
价格
适用于新用户环境的信用卡产品 Credit Card Products for a New User Environment
出版日期: 2020年09月04日内容资讯: 英文 20 Pages, 13 Exhibits
简介

新型冠状病毒感染(COVID-19)由于感染的扩散,信用卡/借记卡的市场环境发生了巨大变化。由于诸如亏损准备金增加,交易余额减少,支出模式改变,与借记卡的竞争,吸引力不强的积分返还以及严重的衰退等因素,盈利能力仍然低迷。另外,由于COVID-19的影响,持卡人的行为会长期或永久改变。信用卡市场不会消失,但是如果没有一些投资(例如非接触式支付支持),市场将不可避免地萎缩。

该报告分析了新冠状病毒感染(COVID-19)爆发后新用户环境中信用卡产品的理想状态,预测了交易数量和金额的趋势以及与其他付款方式的竞争。我们将为您提供有关关系,近年来市场的重大变化,最新技术的传播以及未来市场趋势方向的信息。

本报告中分析的公司:美国运通卡,Discover,万事达卡,Visa等。

文本中的图表示例:

内容:分析摘要

  • 信用卡/借记卡购买交易的数量
  • 每张信用卡/借记卡的平均交易金额
  • 消费者面板数据:使用次数和替代付款方式
  • 自COVID-19发生以来付款方式的变化
  • 使用新的支付技术
  • 收入/支出估计值(2018/2020)
目录

Credit Cards Products for a New User Environment after COVID-19.

Thinking beyond the current economic crisis, Mercator Advisory Group releases new research that looks at the current market and how it will change.

The pandemic changed life as we know it for credit card lenders and cardholders. Being a lender is not so simple anymore. Profitability is under siege, driven by loss provisioning, declining outstandings, changing spending patterns, debit competition, erosion in the power of rewards, and a deep recessionary environment. Primarily driven by the externality of the COVID pandemic, many behavioral changes among cardholders are likely to be long term, if not permanent.

Mercator Advisory Group research, “Credit Card Products for a New User Environment ”, indicates a shift in credit and debit patterns. Contactless payments mean more to merchants, consumers, and issuers than ever. Durable spending is down; consumptive spending is up. And, credit card deferrals do not seem to carry the stigma they once did. Rewards consume a large portion of interchange, and in a shifting market, all costs must receive consideration.

"You cannot simply throw rewards at consumers and expect profitable market share," comments Brian Riley , Director, Credit Advisory, at Mercator Advisory Group, and the author of the research note "Credit Card Products for a New User Environment." Riley adds that "Credit cards are certainly not going away, but expect lower returns, higher risks, and shifting purchase patterns at least through 2025. And, do not forget the investor. It might be balance sheet lending or asset-backed securitizations enabling the credit card lender, but without the investment, card lending will cease. Lending is a risk-based business; it requires a return for tolerating the risk."

This document contains 20 pages and 13 exhibits .

Companies mentioned in this research note include: American Express, Discover, Mastercard, and Visa.

One of the exhibits included in this report:

Highlights of the research note include:

  • Credit and debit purchase transactions
  • Credit and debit average ticket
  • Consumer panel data on usage and alternative payments
  • Changing payment methods since COVID-19
  • New payment technology usage
  • Estimated Income and expenses, 2018 versus 2020