US Cards and Payments Industry @ http://www.researchmoz.us/the-us-cards-and-payments-industry-emerging-opportunities-trends-size-drivers-strategies-products-and-competitive-landscape-report.html
The US card payments channel registered marginal growth during the review period (2008–2012). The nation’s positive economic outlook, need for more sophisticated prepaid and charge card products, popularity of online and mobile shopping, and an increase in per capita income supported the growth. During the review period, the channel’s market size increased at a CAGR of 1.79% in volume terms to reach 1.5 billion cards in circulation in 2012.
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The US Cards and Payments Industry- Emerging Opportunities
1. The US Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products
and Competitive Landscape
Synopsis
The report provides market analysis, information and insights into the US cards and payments industry,
including:
Current and forecast values for each category of the US cards and payments industry including debit cards,
credit cards, prepaid cards and charge cards. Comprehensive analysis of the industry’s market
attractiveness and future growth areas. Analysis of various market drivers and regulations governing the US
cards and payments industry. Detailed analysis of the marketing strategies adopted for selling debit, credit,
charge and prepaid cards used by various bankers and other institutions in the market. Comprehensive analysis
of consumer attitudes and their buying preferences for cards. Competitive landscape of the US cards and
payments industry.
Executive summary
The US card payments channel registered marginal growth during the review period (2008–2012). The
nation’s positive economic outlook, need for more sophisticated prepaid and charge card products,
popularity of online and mobile shopping, and an increase in per capita income supported the growth. During
the review period, the channel’s market size increased at a CAGR of 1.79% in volume terms to reach
1.5 billion cards in circulation in 2012. In value terms, the channel valued US$4.9 trillion in 2012. The US
card payments channel grew both in volume and value terms during the review period.
In terms of transaction volume, the channel grew at a review-period CAGR of 1.79% from 1.4 billion
transactions in 2008 to 1.5 billion in 2012. It is anticipated that this volume will grow at a CAGR of 2.68%
over the forecast period (2013–2017), to reach 1.8 billion transactions in 2017. In terms of value, the
channel increased from US$4.1 trillion in 2008 to US$4.9 trillion in 2012, at a review-period CAGR of 4.40%.
The channel is forecast to grow from US$5.2 trillion in 2013 to US$6.1 trillion in 2017 at a forecast-period
CAGR of 4.15%. Growth is expected to be driven by more stable economic conditions, an increase in
disposable income and the popularity of mobile commerce and online retail.
Scope
This report provides a comprehensive analysis of the US cards and payments industry. It provides current
values for the US cards and payments industry for 2012 and forecast figures for 2017. It details the different
macroeconomic, infrastructural and business drivers affecting the US cards and payments industry. It outlines
the current regulatory framework in the industry. It details the marketing strategies used by various bankers
and other institutions. It profiles the major banks in the US cards and payments industry.
Reasons to buy
Make strategic business decisions using historic and forecast market data related to the US cards and
payments industry and each market within it. Understand the key market trends and growth opportunities
within the US cards and payments industry. Assess the competitive dynamics in the US cards and payments
industry. Gain insights into the marketing strategies used for selling various types of cards in the US. Gain
insights into key regulations governing the US cards and payments industry.
Key highlights
The US Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
2. In terms of transaction volume, the card payments channel grew at a review-period CAGR of 1.79% from
1.4 billion transactions in 2008 to 1.5 billion in 2012. It is anticipated that this volume will grow at a CAGR of
2.68% over the forecast period (2013–2017), to reach 1.8 billion transactions in 2017. In the US,
contactless-enabled NFC technology has been adopted by banks and retailers. As contactless cards become
more widely accepted, progression has been noted in the industry. The total number of contactless cards in the
channel increased from 58,626 in 2008 to 139,452 in 2012, at a review-period CAGR of 24.19%. This trend is
expected to continue over the forecast period to reach 205,601 cards in 2017. In July 2012, the Federal
Reserve announced amendments in the provisions of Regulation II (Debit Card Interchange Fees and
Routing), which permits a debit card issuer to receive a fraud-prevention adjustment, subject to interchange
fee standards. This is expected to force banks to cap the daily limits for debit card transactions. Consequently,
Visa, MasterCard, Discover and several other card issuers have lowered their interchange fees. Banks and card
issuers in the US are increasingly targeting niche customer segments to offer differentiated products and
services. Citibank targets students through its Citi Forward Card. The card enables customers to make
international purchases with no annual fees. The cardholder earns five ‘ThankYou points’ for
every US$1 spent at restaurants, bookstores or on entertainment. Similarly, Bank of America offers student
credit cards with low interest rates and no annual fees.
table Of Contents
1 Executive Summary
2 Analysis Of Market Environment, Key Trends And Drivers
2.1 Payment Infrastructure And Emerging Technologies
2.1.1 Atms
2.1.2 Pos Terminals
2.1.3 Internet Penetration
2.1.4 Emv
2.1.5 Nfc
2.1.6 Mobile Payments
2.1.7 Network Related
2.2 Business Drivers
2.2.1 Growth In Retail Industry
2.2.2 Increasing Competitive Pressure To Drive Product Innovation
2.3 Macroeconomic Drivers
2.3.1 Gdp
2.3.2 Inflation
2.3.3 Unemployment Rate
2.3.4 Gdp Per Capita Income
3 Cards And Payments Industry Share Analysis
The US Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
3. 3.1 Industry Overview
3.1.1 Cash Payments
3.1.2 Check Payments
3.1.3 Credit Transfers
3.1.4 Card Payments
3.1.5 Direct Debit
4 Regulatory Framework And Card Fraud Statistics
4.1 Regulatory Framework
4.1.1 Security Regulations And Guidelines
4.1.2 Foreign Direct Investment (fdi) Regulation
4.2 Card Fraud Statistics
4.2.1 Card-not-present
4.2.2 Counterfeit Cards
4.2.3 Cards Lost/stolen
4.2.4 Others
5 Emerging Consumer Attitudes And Trends
5.1 Industry Segmentation And Targeting
5.1.1 Retail Segment
5.1.2 Corporate Segment
5.2 Travel And Tourism Spending
5.2.1 Outbound Tourist Trips
5.2.2 Outbound Tourist Spending
5.3 Retail Card Spending
5.3.1 Analysis By Product Categories
5.3.2 Analysis By Retail Channels
6 Analysis Of Card Payments And Growth Prospects
6.1 Channel Share Analysis By Card Category
6.2 Size And Forecast Of The Card Payments Channel
6.2.1 Analysis By Number Of Cards In Circulation
6.2.2 Analysis By Transaction Value
7 Analysis Of Credit Card Payments And Growth Prospects
7.1 Overall Category Size And Forecast
7.1.1 Analysis By Number Of Cards In Circulation
7.1.2 Analysis By Transaction Value
7.1.3 Analysis By Transaction Volume
The US Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
4. 7.2 Transaction Share Analysis By Channel
7.2.1 Analysis By Transaction Value
7.2.2 Analysis By Transaction Volume
7.3 Personal Credit Cards Category Size And Forecast
7.3.1 Analysis By Number Of Cards In Circulation
7.3.2 Analysis By Transaction Value
7.3.3 Analysis By Transaction Volume
7.4 Commercial Credit Cards Category Size And Forecast
7.4.1 Analysis By Number Of Cards In Circulation
7.4.2 Analysis By Transaction Value
7.4.3 Analysis By Transaction Volume
7.5 Competitive Landscape
7.5.1 Scheme Share Analysis
7.5.2 Issuer Share Analysis
8 Analysis Of Debit Card Payments And Growth Prospects
8.1 Overall Category Size And Forecast
8.1.1 Analysis By Number Of Cards In Circulation
8.1.2 Analysis By Transaction Value
8.1.3 Analysis By Transaction Volume
8.2 Transaction Share Analysis By Channel
8.2.1 Analysis By Transaction Value
8.2.2 Analysis By Transaction Volume
8.3 Competitive Landscape
8.3.1 Scheme Share Analysis
8.3.2 Issuer Share Analysis
9 Analysis Of Charge Card Payments And Growth Prospects
9.1 Overall Category Size And Forecast
9.1.1 Analysis By Number Of Cards In Circulation
9.1.2 Analysis By Transaction Value
9.1.3 Analysis By Transaction Volume
9.2 Transaction Share Analysis By Channel
9.2.1 Analysis By Transaction Value
9.2.2 Analysis By Transaction Volume
9.3 Personal Charge Cards Category Size And Forecast
9.3.1 Analysis By Number Of Cards In Circulation
9.3.2 Analysis By Transaction Value
9.3.3 Analysis By Transaction Volume
9.4 Commercial Charge Cards Category Size And Forecast
9.4.1 Analysis By Number Of Cards In Circulation
The US Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
5. 9.4.2 Analysis By Transaction Value
9.4.3 Analysis By Transaction Volume
10 Analysis Of Prepaid Card Payments And Growth Prospects
10.1 Overall Category Size And Forecast
10.1.1 Analysis By Number Of Cards In Circulation
10.1.2 Analysis By Transaction Value
10.2 Open-loop Prepaid Cards Segment Size And Forecast
10.2.1 Analysis By Number Of Cards In Circulation
10.2.2 Analysis By Transaction Value
10.3 Closed-loop Prepaid Cards Segment Size And Forecast
10.3.1 Analysis By Number Of Cards In Circulation
10.3.2 Analysis By Transaction Value
11 Merchant Acquiring
11.1 Merchant Acquirers In The Us
11.2 Profiles Of Acquirers
12 Company Profiles Of Card Issuers
12.1 Bank Of America Corporation
12.1.1 Key Financials
12.1.2 Card Portfolio
12.1.3 Strategies
12.2 Jpmorgan Chase
12.2.1 Key Financials
12.2.2 Card Portfolio
12.2.3 Strategies
12.3 Pnc Bank
12.3.1 Key Financials
12.3.2 Card Portfolio
12.3.3 Strategies
12.4 Wells Fargo
12.4.1 Key Financials
12.4.2 Card Portfolio
12.4.3 Strategies
12.5 Hsbc Bank Usa
12.5.1 Key Financials
12.5.2 Card Portfolio
12.5.3 Strategies
The US Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
6. 13 Appendix
13.1 Methodology
13.2 Definitions
13.3 Contact Timetric
13.4 About Timetric
13.5 Timetric’s Services
13.6 Disclaimer
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The US Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape