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Strategy Briefing
Corporate Strategy in Consumer Finance
47 pages, Feb 2014
US$1,325Added to Cart
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About This Report
New Report Guarantee
If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!
The largest international card networks faced a variety of challenges in 2013 but have emerged well positioned for 2014. Many have made progress in developing online payment platforms that will utilise the potential for payments on mobile phones and increase the convenience of online payments. Regulation continues to be a leading concern for international networks, however several settlements in 2013 have lowered uncertainty in many areas.
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Overview
Why buy this report?
Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.
Debit issuing may be less profitable, but more popular among consumers
More debit cards were issued in 2013 than credit yet again. Interchange limits in some markets have made the function less profitable for issuers but have lowered the cost of acceptance for merchants.
MasterCard and American Express continue acquisitions
While many operators have sought to consolidate previous acquisitions, MasterCard and American Express have continued. Their acquisitions have been focused primarily on various aspects of mobile payment technology.
Mobile wallets come to market
Each of the leading operators launched or were involved in the pilot phase of a mobile wallet in 2012 and 2013. All of these rely on NFC technology to communicate with the contactless POS terminals.
Changing how consumers spend
The biggest challenge the operators have faced in mobile wallet adoption is providing consumers with enough incentives to sign up. Leveraging their merchant relationships, a few networks are making progress.
Time to transition to EMV in the US
The 2015 deadline for EMV compliance is quickly approaching in the US, but in 2013 smartcards only made up 4% of total cards in circulation. The networks driving the transition may incur greater costs in migrating the system.
Hostile regulatory environment
Throughout the developed world, the international operators have settled on interchange limits that have notably reduced the profitability of card payments. With a shrinking pool of revenue, the share taken by the networks is also likely to decrease over the forecast period.
Competition increasing
Domestic operating schemes are popping up all over the globe and increasing competition for the networks. Many with explicit government support can gain scale quickly with lower costs and mandatory acceptance.
What this report includes
- Top-level strategic analysis of how major consumer trends will influence global markets
- Consumer insight
- Impact across all relevant consumer markets
- Unique graphics and case studies
- Key market snapshots
- Accompanying presentation to synthesise main findings
Why buy this report
- Identify factors driving change now and in the future
- Understand motivation
- Forward-looking outlook
- Briefings and presentation should provoke lively discussion at senior level
- Take a step back from micro trends
- Get up to date estimates and comment
Want to find out more about this report?
Request more informationTable of Contents
Scope of the Report
Scope
Introduction
Key findings
Key financials of leading publicly listed operators
Global Card Payment Environment
Cash losing share to cards
Card payment value by region
Evolving market in Asia Pacific
The evolving global payments landscape
Consistent consumer preference in the developed world
Corporate Activity
Overview
Acquisitions to improve customer experience
Converting public transit
American Express investing in innovation
American Express building its pre-paid presence in the US
Leading commercial cards
New CEO for the largest network
The future of Visa Europe
Discover expanding consumer lending coverage
JCB building global acceptance
CUP securing a leading position in Asia Pacific
Global Challenges
Regional and global challenges
Domestic network competition
Regulating interchange
Who wins with interchange regulation?
Rising rebate and incentive expenses for Visa and MasterCard
Rising value lost to fraud
EMV transition to lower fraud
A long way to go to full adoption
Where cash remains king
Cash dependent markets
Capturing Online Commerce
Bringing it all together
Creating an alternative banking structure
Online payment gateway competition increasing
Increasing competition
Progress in Asia
Outlook
Securing online payment position and gaining value abroad
MasterCard building an advantage in online payments
American Express bright outlook in reaching more consumers
Discovering international growth
China UnionPay going global
JCB domestic opportunity
Why buy this report?
Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.
Want to find out more about this report?
Request more informationComplete Catalogue
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