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Country Report

Financial Cards and Payments in

Financial Cards and Payments in the US

52 pages, Nov 2018

US$2,100

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Executive Summary

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If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

Card usage continues to grow

In 2018, US consumers continued their shift towards debit cards. The ease of use of financial cards and an increasing tendency among merchants to offer cashless forms of payment has favoured the use of cards over cash for small purchases, resulting in an overall decrease in spend by card for the whole area.

EMV chip cards and contactless cards gaining ground

As the US transitions towards an EMV dominated market, issuers are focusing more and more on increasing the ease of use of their products at sales points. Although relying on EMV technology offers increased security for consumers, it is still perceived as being more time efficient to swipe the card and use the magnetic strip.

Peer-to-peer payments take off

For many years, payment services have been carried out by traditional financial institutions. With consumers shifting towards a digitally integrated financial life, favouring mobile payments at low or no cost, peer-to-peer mobile apps are addressing a need for more efficient transactions among consumers.

Reward schemes – the sky’s the limit

Reward schemes for financial cards remain a popular strategy among issuers to gain customer loyalty. Just in the past year, JP Morgan Chase & Co has launched five new cards, largely focused on travel partnerships and rewards.

Voice-activated payments the way ahead?

As voice-activated smart speakers gain ground, more and more consumers are incorporating digital assistants into their daily searches and shopping routines. It is only a matter of time before this relationship expands to payment needs.

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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.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Financial Cards and Payments industry in USA with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Financial Cards and Payments industry in USA, our research will save you time and money while empowering you to make informed, profitable decisions.

The Financial Cards and Payments in USA market research report includes:

Analysis of key supply-side and demand trends
Historic volumes and values, company and brand market shares
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

What is the market size of Financial Cards and Payments in USA?
What are the major operators and issuers in USA?
How will regulation impact the market?
What is the current state of emerging payment technologies such as mobile commerce?

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

Euromonitor’s industry reports, including Financial Cards and Payments in USA, originate from our database within our Consumer Finance market share and market size database, Passport, a platform which analyses Consumer Finance in 46 countries and globally.

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Financial Cards and Payments in the US - Industry Overview

EXECUTIVE SUMMARY

Card usage continues to grow

EMV chip cards and contactless cards gaining ground

Peer-to-peer payments take off

Reward schemes – the sky’s the limit

Voice-activated payments the way ahead?

MARKET INDICATORS

Table 1 Number of POS Terminals: Units 2013-2018
Table 2 Number of ATMs: Units 2013-2018
Table 3 Value Lost to Fraud 2013-2018
Table 4 Card Expenditure by Location 2017
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2013-2018
Table 6 Domestic versus Foreign Spend 2018

MARKET DATA

Table 7 Financial Cards by Category: Number of Cards in Circulation 2013-2018
Table 8 Financial Cards by Category: Number of Accounts 2013-2018
Table 9 Financial Cards Transactions by Category: Value 2013-2018
Table 10 Financial Cards by Category: Number of Transactions 2013-2018
Table 11 Consumer Payments by Category: Value 2013-2018
Table 12 Consumer Payments by Category: Number of Transactions 2013-2018
Table 13 M-Commerce by Category: Value 2013-2018
Table 14 M-Commerce by Category: % Value Growth 2013-2018
Table 15 Financial Cards: Number of Cards by Issuer 2013-2017
Table 16 Financial Cards: Number of Cards by Operator 2013-2017
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2013-2017
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2013-2017
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 20 Forecast Financial Cards by Category: Number of Accounts 2018-2023
Table 21 Forecast Financial Cards Transactions by Category: Value 2018-2023
Table 22 Forecast Financial Cards by Category: Number of Transactions 2018-2023
Table 23 Forecast Consumer Payments by Category: Value 2018-2023
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2018-2023
Table 25 Forecast M-Commerce by Category: Value 2018-2023
Table 26 Forecast M-Commerce by Category: % Value Growth 2018-2023

SOURCES

Summary 1 Research Sources

Charge Cards in the US - Category analysis

HEADLINES

PROSPECTS

Charge cards showing signs of recovery

Targeting small businesses

Average transaction size increasing

COMPETITIVE LANDSCAPE

Back to basics

Gaining back lost ground

In search of millennials

CATEGORY DATA

Table 27 Charge Cards: Number of Cards in Circulation 2013-2018
Table 28 Charge Cards Transactions 2013-2018
Table 29 Charge Cards in Circulation: % Growth 2013-2018
Table 30 Charge Cards Transactions: % Growth 2013-2018
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2013-2018
Table 32 Commercial Charge Cards Transactions 2013-2018
Table 33 Commercial Charge Cards in Circulation: % Growth 2013-2018
Table 34 Commercial Charge Cards Transactions: % Growth 2013-2018
Table 35 Personal Charge Cards: Number of Cards in Circulation 2013-2018
Table 36 Personal Charge Cards Transactions 2013-2018
Table 37 Personal Charge Cards in Circulation: % Growth 2013-2018
Table 38 Personal Charge Cards Transactions: % Growth 2013-2018
Table 39 Charge Cards: Number of Cards by Issuer 2013-2017
Table 40 Charge Cards: Number of Cards by Operator 2013-2017
Table 41 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 42 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 44 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 47 Personal Charge Cards: Number of Cards by Issuer 2013-2017
Table 48 Personal Charge Cards: Number of Cards by Operator 2013-2017
Table 49 Personal Charge Cards Transaction Value by Issuer 2013-2017
Table 50 Personal Charge Cards Transaction Value by Operator 2013-2017
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 52 Forecast Charge Cards Transactions 2018-2023
Table 53 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 54 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 56 Forecast Commercial Charge Cards Transactions 2018-2023
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 60 Forecast Personal Charge Cards Transactions 2018-2023
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2018-2023
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2018-2023

Credit Cards in the US - Category analysis

HEADLINES

PROSPECTS

Credit cards continue to grow amid cautious optimism

Small business credit cards flourish

New generation of digital wallets

COMPETITIVE LANDSCAPE

Travel reward cards taking-off

American Express focusing on millennials

Starbucks transforms current loyalty programme

CATEGORY DATA

Table 63 Credit Cards: Number of Cards in Circulation 2013-2018
Table 64 Credit Cards Transactions 2013-2018
Table 65 Credit Cards in Circulation: % Growth 2013-2018
Table 66 Credit Cards Transactions: % Growth 2013-2018
Table 67 Commercial Credit Cards: Number of Cards in Circulation 2013-2018
Table 68 Commercial Credit Cards Transactions 2013-2018
Table 69 Commercial Credit Cards in Circulation: % Growth 2013-2018
Table 70 Commercial Credit Cards Transactions: % Growth 2013-2018
Table 71 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 72 Personal Credit Cards Transactions 2013-2018
Table 73 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 74 Personal Credit Cards Transactions: % Growth 2013-2018
Table 75 Credit Cards: Number of Cards by Issuer 2013-2017
Table 76 Credit Cards: Number of Cards by Operator 2013-2017
Table 77 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 78 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 79 Commercial Credit Cards: Number of Cards by Issuer 2013-2017
Table 80 Commercial Credit Cards: Number of Cards by Operator 2013-2017
Table 81 Commercial Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 82 Commercial Credit Cards Payment Transaction Value by Operator 2013-2017
Table 83 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 84 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 85 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 86 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 87 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 88 Forecast Credit Cards Transactions 2018-2023
Table 89 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 90 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 91 Forecast Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 92 Forecast Commercial Credit Cards Transactions 2018-2023
Table 93 Forecast Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 94 Forecast Commercial Credit Cards Transactions: % Growth 2018-2023
Table 95 Forecast Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 96 Forecast Personal Credit Cards Transactions 2018-2023
Table 97 Forecast Personal Credit Cards in Circulation: % Growth 2018-2023
Table 98 Forecast Personal Credit Cards Transactions: % Growth 2018-2023

Debit Cards in the US - Category analysis

HEADLINES

PROSPECTS

Small purchases increase

Debit cards unable to compete with hefty reward schemes

EMV chips offer safer future

COMPETITIVE LANDSCAPE

Debit card rewards 2.0

Going offline – online services becoming plastic

Wells Fargo continues to lead the way

CATEGORY DATA

Table 99 Debit Cards: Number of Cards in Circulation 2013-2018
Table 100 Debit Cards Transactions 2013-2018
Table 101 Debit Cards in Circulation: % Growth 2013-2018
Table 102 Debit Cards Transactions: % Growth 2013-2018
Table 103 Debit Cards: Number of Cards by Issuer 2013-2017
Table 104 Debit Cards: Number of Cards by Operator 2013-2017
Table 105 Debit Cards Payment Transaction Value by Issuer 2013-2017
Table 106 Debit Cards Payment Transaction Value by Operator 2013-2017
Table 107 Forecast Debit Cards: Number of Cards in Circulation 2018-2023
Table 108 Forecast Debit Cards Transactions 2018-2023
Table 109 Forecast Debit Cards in Circulation: % Growth 2018-2023
Table 110 Forecast Debit Cards Transactions: % Growth 2018-2023

Pre-Paid Cards in the US - Category analysis

HEADLINES

PROSPECTS

Ubiquity of pre-paid cards

Extended protection for consumers

Evolution of pre-paid cards

COMPETITIVE LANDSCAPE

The arrival of Apple Pay Cash

Going card-less

Uncertain future for pre-paid cards

CATEGORY DATA

Table 111 Pre-paid Cards: Number of Cards in Circulation 2013-2018
Table 112 Pre-paid Cards Transactions 2013-2018
Table 113 Pre-paid Cards in Circulation: % Growth 2013-2018
Table 114 Pre-paid Cards Transactions: % Growth 2013-2018
Table 115 Closed Loop Pre-paid Cards Transactions 2013-2018
Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 117 Open Loop Pre-paid Cards Transactions 2013-2018
Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 119 Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 120 Pre-paid Cards Transaction Value by Operator 2013-2017
Table 121 Open Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 122 Open Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 123 Forecast Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 124 Forecast Pre-paid Cards Transactions 2018-2023
Table 125 Forecast Pre-paid Cards in Circulation: % Growth 2018-2023
Table 126 Forecast Pre-paid Cards Transactions: % Growth 2018-2023
Table 127 Forecast Closed Loop Pre-paid Cards Transactions 2018-2023
Table 128 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 129 Forecast Open Loop Pre-paid Cards Transactions 2018-2023
Table 130 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2018-2023

Store Cards in the US - Category analysis

HEADLINES

PROSPECTS

Uncertain future for store cards

Entry of card free loyalty programmes

Store cards losing ground to co-branded cards

COMPETITIVE LANDSCAPE

Synchrony remains leading player

Company targeting transitioning customers

Capital One secures Walmart as store card customer

CATEGORY DATA

Table 131 Store Cards: Number of Cards in Circulation 2013-2018
Table 132 Store Cards Transactions 2013-2018
Table 133 Store Cards in Circulation: % Growth 2013-2018
Table 134 Store Cards Transactions: % Growth 2013-2018
Table 135 Store Cards: Number of Cards by Issuer 2013-2017
Table 136 Store Cards: Payment Transaction Value by Issuer 2013-2017
Table 137 Forecast Store Cards: Number of Cards in Circulation 2018-2023
Table 138 Forecast Store Cards Transactions 2018-2023
Table 139 Forecast Store Cards in Circulation: % Growth 2018-2023
Table 140 Forecast Store Cards Transactions: % Growth 2018-2023

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Megatrends

Country Report

Financial Cards and Payments in the US

New Report Guarantee

Executive Summary

New Report Guarantee

Card usage continues to grow

EMV chip cards and contactless cards gaining ground

Peer-to-peer payments take off

Reward schemes – the sky’s the limit

Voice-activated payments the way ahead?

Overview

Why buy this report?

Samples (FAQs about samples):

Want to find out more about this report?

Table of Contents

Financial Cards and Payments in the US - Industry Overview

EXECUTIVE SUMMARY

Card usage continues to grow

EMV chip cards and contactless cards gaining ground

Peer-to-peer payments take off

Reward schemes – the sky’s the limit

Voice-activated payments the way ahead?

MARKET INDICATORS

MARKET DATA

SOURCES

Charge Cards in the US - Category analysis

HEADLINES

PROSPECTS

Charge cards showing signs of recovery

Targeting small businesses

Average transaction size increasing

COMPETITIVE LANDSCAPE

Back to basics

Gaining back lost ground

In search of millennials

CATEGORY DATA

Credit Cards in the US - Category analysis

HEADLINES

PROSPECTS

Credit cards continue to grow amid cautious optimism

Small business credit cards flourish

New generation of digital wallets

COMPETITIVE LANDSCAPE

Travel reward cards taking-off

American Express focusing on millennials

Starbucks transforms current loyalty programme

CATEGORY DATA

Debit Cards in the US - Category analysis

HEADLINES

PROSPECTS

Small purchases increase

Debit cards unable to compete with hefty reward schemes

EMV chips offer safer future

COMPETITIVE LANDSCAPE

Debit card rewards 2.0

Going offline – online services becoming plastic

Wells Fargo continues to lead the way

CATEGORY DATA

Pre-Paid Cards in the US - Category analysis

HEADLINES

PROSPECTS

Ubiquity of pre-paid cards

Extended protection for consumers

Evolution of pre-paid cards

COMPETITIVE LANDSCAPE

The arrival of Apple Pay Cash

Going card-less

Uncertain future for pre-paid cards

CATEGORY DATA

Store Cards in the US - Category analysis

HEADLINES

PROSPECTS

Uncertain future for store cards

Entry of card free loyalty programmes

Store cards losing ground to co-branded cards

COMPETITIVE LANDSCAPE

Synchrony remains leading player

Company targeting transitioning customers

Capital One secures Walmart as store card customer