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市场调查报告书

改善借记卡的状态:突然成为最大的付款方式

Debit Card Abruptly Finds Itself Top of Wallet

出版商 Mercator Advisory Group, Inc. 商品编码 960352
出版日期 内容资讯 英文 16 Pages, 9 Exhibits
商品交期: 最快1-2个工作天内
价格
改善借记卡的状态:突然成为最大的付款方式 Debit Card Abruptly Finds Itself Top of Wallet
出版日期: 2020年09月11日内容资讯: 英文 16 Pages, 9 Exhibits
简介

在经历了感染的全球蔓延和随后的 "前所未有的" 衰退之后,美国卡市场的借记卡支付数量和支付金额将在2020年超过信用卡。我正面临著全新的体验。消费者意识到他们的支付能力,家庭需求和消费,这可能会进一步增加他们对借记卡的依赖。从长远来看,借记卡市场将增长,发行人将努力保持这一地位。

本报告调查了美国信用卡和借记卡市场的最新趋势,并考虑了结构性变化的方向以及行业利益相关者未来应解决的问题。

本报告中提到的公司:美国运通卡,Discover,万事达卡,Visa等。

从文本中的图表:

分析概要

  • 根据美国的万事达卡和Visa卡借记/信用卡交易数据,2020年第二季度的购买量比2019年第二季度下降了7%。借记卡增加了8.6%,主要是由于信用卡购买量减少了21.2%。
  • 过去几年的分析表明,借记卡和信用卡的增长通常反映出相反的情况。如今的对比尤其强烈,在两个季度(2019年第四季度至2020年第二季度)中,借记卡购买份额从46.4%上升至55.3%。
  • 自2018年以来,越来越有一种优先使用单一付款方式的趋势。持卡人正在大量使用其忠诚的信用卡/借记卡,并且付款方式往往会减少。
  • 从长远来看,借记卡发卡行面临沉思并采取行动,如何获取和保留忠实的借记卡用户。
目录

The Debit Card Abruptly Finds Itself at the Top of the Wallet

Mercator Advisory Group's latest report suggests strategies debit card issuers may consider to retain this preferred card status with their cardholders.

In the continuing cycle of firsts and "unprecedented" events experienced during the global pandemic and the associated economic recession of 2020, the U.S. card market is currently experiencing a first of its own. Mastercard and Visa debit card transactions and dollar volumes are greater than those conducted on credit cards as explored in a new report, ‘Debit Card Abruptly Finds Itself Top of Wallet’. As consumers stare down potentially months of necessary household spending restrictions, they are relying on their debit cards much more, putting issuers in a new operating environment.

"We anticipate that changes in consumers' payment habits, largely driven by the COVID-19 pandemic, are likely to continue long term, if not become permanent routines. While the credit card market is being challenged, debit cards are now at an advantage and debit issuers will want to take steps to insure they retain this position," comments Sarah Grotta , Director, Debit and Alternative Products Advisory Service at Mercator Advisory Group and author of the report.

This report has 16 pages and 9 exhibits .

Companies mentioned in this report include: American Express, Discover, Mastercard, Visa.

One of the exhibits included in this report:

Highlights of the report include:

  • Review of Mastercard and Visa debit and credit data for the U.S., that finds purchase volumes in total were down 7% in Q2 2020 over Q2 2019. The decline was attributable solely to the 21.2% decline in credit purchase volume, compared with debit's 8.6% increase.
  • Analysis of data compiled over the last several years showing that debit card and credit card growth often reflect opposite trends. Recent data reveal a very stark reaction to the two primary card products. In just the space of two quarters (Q4 2019 to Q2 2020), debit cards went from a 46.4% share of purchase volume to 55.3% share.
  • Mercator survey data finds the use of a single preferred payment method has been increasing since 2018, with cardholders concentrating their payment loyalty to either credit or debit and a declining number choosing to use multiple payment options.
  • Activities that debit issuers will want to consider to hold on to loyal debit card users for the long term.