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Report
Financial Cards and Payments in the US
Market Direction I 2022-12-01 I 64 Pages I Euromonitor
2022 has seen many changes in the financial cards and payments space in the US. The beginning of the year saw a resurgence in spending following pent-up demand during the early stages of the COVID-19 pandemic. The reopening of retail outlets and entertainment spaces in 2021 and 2022 led to rising consumer spending, which increased the spend on both debit and credit cards. The rise in spending on hospitality and leisure was especially pronounced. As cash savings made during the pandemic, fuelled...
Euromonitor International's Financial Cards and Payments in USA report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.
Product coverage: Financial Cards in Circulation, M-Commerce, Transactions.
Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.
Why buy this report?
* Get a detailed picture of the Financial Cards and Payments market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market's major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.
Euromonitor International has over 40 years' experience of publishing market research reports, business reference books and online information systems. With offices in London, Chicago, Singapore, Shanghai, Vilnius, Dubai, Cape Town, Santiago, Sydney, Tokyo and Bangalore and a network of over 800 analysts worldwide, Euromonitor International has a unique capability to develop reliable information resources to help drive informed strategic planning.
Financial Cards and Payments in the US
Euromonitor International
December 2022
List Of Contents And Tables
FINANCIAL CARDS AND PAYMENTS IN THE US
EXECUTIVE SUMMARY
Financial cards and payments in 2022: The big picture
2022 key trends
Competitive landscape
What next for financial cards and payments?
MARKET INDICATORS
Table 1 Number of POS Terminals: Units 2017-2022
Table 2 Number of ATMs: Units 2017-2022
Table 3 Value Lost to Fraud 2017-2022
Table 4 Card Expenditure by Location 2022
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2017-2022
Table 6 Domestic versus Foreign Spend 2022
MARKET DATA
Table 7 Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 8 Financial Cards by Category: Number of Accounts 2017-2022
Table 9 Financial Cards Transactions by Category: Value 2017-2022
Table 10 Financial Cards by Category: Number of Transactions 2017-2022
Table 11 Consumer Payments by Category: Value 2017-2022
Table 12 Consumer Payments by Category: Number of Transactions 2017-2022
Table 13 M-Commerce by Category: Value 2017-2022
Table 14 M-Commerce by Category: % Value Growth 2017-2022
Table 15 Financial Cards: Number of Cards by Issuer 2017-2021
Table 16 Financial Cards: Number of Cards by Operator 2017-2021
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2017-2021
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2017-2021
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2022-2027
Table 20 Forecast Financial Cards by Category: Number of Accounts 2022-2027
Table 21 Forecast Financial Cards Transactions by Category: Value 2022-2027
Table 22 Forecast Financial Cards by Category: Number of Transactions 2022-2027
Table 23 Forecast Consumer Payments by Category: Value 2022-2027
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2022-2027
Table 25 Forecast M-Commerce by Category: Value 2022-2027
Table 26 Forecast M-Commerce by Category: % Value Growth 2022-2027
DISCLAIMER
SOURCES
Summary 1 Research Sources
DEBIT CARDS IN THE US
KEY DATA FINDINGS
2022 DEVELOPMENTS
Debit spending continues to increase as the pandemic eases
Citi revamps overdraft protection
Combining card functions increasingly popular
PROSPECTS AND OPPORTUNITIES
Pay advance debit cards becoming more popular with cash-strapped consumers
Crypto debit cards gain popularity and acceptance
Debit customisation will continue to grow with the rise of niche fintechs
CATEGORY DATA
Table 129 Debit Cards: Number of Cards in Circulation 2017-2022
Table 130 Debit Cards Transactions 2017-2022
Table 131 Debit Cards in Circulation: % Growth 2017-2022
Table 132 Debit Cards Transactions: % Growth 2017-2022
Table 133 Debit Cards: Number of Cards by Issuer 2017-2021
Table 134 Debit Cards: Number of Cards by Operator 2017-2021
Table 135 Debit Cards Payment Transaction Value by Issuer 2017-2021
Table 136 Debit Cards Payment Transaction Value by Operator 2017-2021
Table 137 Forecast Debit Cards: Number of Cards in Circulation 2022-2027
Table 138 Forecast Debit Cards Transactions 2022-2027
Table 139 Forecast Debit Cards in Circulation: % Growth 2022-2027
Table 140 Forecast Debit Cards Transactions: % Growth 2022-2027
CHARGE CARDS IN THE US
KEY DATA FINDINGS
2022 DEVELOPMENTS
Charge cards shows post-COVID-19 recovery
Fintech growth in commercial charge cards
Increase in rewards and introductory offers
PROSPECTS AND OPPORTUNITIES
Charge cards to become a less popular option
Fintechs offer mixed card types
Offering more services to make charge cards more attractive
CATEGORY DATA
Table 27 Charge Cards: Number of Cards in Circulation 2017-2022
Table 28 Charge Cards Transactions 2017-2022
Table 29 Charge Cards in Circulation: % Growth 2017-2022
Table 30 Charge Cards Transactions: % Growth 2017-2022
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 32 Commercial Charge Cards Transactions 2017-2022
Table 33 Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 34 Commercial Charge Cards Transactions: % Growth 2017-2022
Table 35 Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 36 Personal Charge Cards Transactions 2017-2022
Table 37 Personal Charge Cards in Circulation: % Growth 2017-2022
Table 38 Personal Charge Cards Transactions: % Growth 2017-2022
Table 39 Charge Cards: Number of Cards by Issuer 2017-2021
Table 40 Charge Cards: Number of Cards by Operator 2017-2021
Table 41 Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 42 Charge Cards Payment Transaction Value by Operator 2017-2021
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2017-2021
Table 44 Commercial Charge Cards: Number of Cards by Operator 2017-2021
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2017-2021
Table 47 Personal Charge Cards: Number of Cards by Issuer 2017-2021
Table 48 Personal Charge Cards: Number of Cards by Operator 2017-2021
Table 49 Personal Charge Cards Transaction Value by Issuer 2017-2021
Table 50 Personal Charge Cards Transaction Value by Operator 2017-2021
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2022-2027
Table 52 Forecast Charge Cards Transactions 2022-2027
Table 53 Forecast Charge Cards in Circulation: % Growth 2022-2027
Table 54 Forecast Charge Cards Transactions: % Growth 2022-2027
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2022-2027
Table 56 Forecast Commercial Charge Cards Transactions 2022-2027
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2022-2027
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2022-2027
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2022-2027
Table 60 Forecast Personal Charge Cards Transactions 2022-2027
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2022-2027
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2022-2027
PRE-PAID CARDS IN THE US
KEY DATA FINDINGS
2022 DEVELOPMENTS
Increase in gift cards as retail returns
Uptick in pre-paid card fraud
Gift cards as rewards
PROSPECTS AND OPPORTUNITIES
Crypto being used to buy pre-paid cards
Continued digitalisation of pre-paid cards
Incentives and flexibility will remain key in the growth of gift cards
CATEGORY DATA
Table 63 Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 64 Pre-paid Cards Transactions 2017-2022
Table 65 Pre-paid Cards in Circulation: % Growth 2017-2022
Table 66 Pre-paid Cards Transactions: % Growth 2017-2022
Table 67 Closed Loop Pre-paid Cards Transactions 2017-2022
Table 68 Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 69 Open Loop Pre-paid Cards Transactions 2017-2022
Table 70 Open Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 71 Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 72 Pre-paid Cards Transaction Value by Operator 2017-2021
Table 73 Open Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 74 Open Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 75 Forecast Pre-paid Cards: Number of Cards in Circulation 2022-2027
Table 76 Forecast Pre-paid Cards Transactions 2022-2027
Table 77 Forecast Pre-paid Cards in Circulation: % Growth 2022-2027
Table 78 Forecast Pre-paid Cards Transactions: % Growth 2022-2027
Table 79 Forecast Closed Loop Pre-paid Cards Transactions 2022-2027
Table 80 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2022-2027
Table 81 Forecast Open Loop Pre-paid Cards Transactions 2022-2027
Table 82 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2022-2027
STORE CARDS IN THE US
KEY DATA FINDINGS
2022 DEVELOPMENTS
Pandemic recovery increases number of store cards
Current limits to growth of store cards
Long-time store card issuers revamp portfolios
PROSPECTS AND OPPORTUNITIES
Need to increase digital capabilities to compete with other credit offerings
Store cards will have to compete with BNPL
Store cards increasingly transitioning to more open card formats
CATEGORY DATA
Table 83 Store Cards: Number of Cards in Circulation 2017-2022
Table 84 Store Cards Transactions 2017-2022
Table 85 Store Cards in Circulation: % Growth 2017-2022
Table 86 Store Cards Transactions: % Growth 2017-2022
Table 87 Store Cards: Number of Cards by Issuer 2017-2021
Table 88 Store Cards: Payment Transaction Value by Issuer 2017-2021
Table 89 Forecast Store Cards: Number of Cards in Circulation 2022-2027
Table 90 Forecast Store Cards Transactions 2022-2027
Table 91 Forecast Store Cards in Circulation: % Growth 2022-2027
Table 92 Forecast Store Cards Transactions: % Growth 2022-2027
CREDIT CARDS IN THE US
KEY DATA FINDINGS
2022 DEVELOPMENTS
Credit spending grows as pandemic recedes
High inflation leads to increased credit spending
Expanding business credit is a main target for fintechs and banks
PROSPECTS AND OPPORTUNITIES
Looming recession and rising interest rates may slow credit card growth
BNPL taking share from credit cards
Credit Card Competition Act could expand the number of credit card operators
CATEGORY DATA
Table 93 Credit Cards: Number of Cards in Circulation 2017-2022
Table 94 Credit Cards Transactions 2017-2022
Table 95 Credit Cards in Circulation: % Growth 2017-2022
Table 96 Credit Cards Transactions: % Growth 2017-2022
Table 97 Commercial Credit Cards: Number of Cards in Circulation 2017-2022
Table 98 Commercial Credit Cards Transactions 2017-2022
Table 99 Commercial Credit Cards in Circulation: % Growth 2017-2022
Table 100 Commercial Credit Cards Transactions: % Growth 2017-2022
Table 101 Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 102 Personal Credit Cards Transactions 2017-2022
Table 103 Personal Credit Cards in Circulation: % Growth 2017-2022
Table 104 Personal Credit Cards Transactions: % Growth 2017-2022
Table 105 Credit Cards: Number of Cards by Issuer 2017-2021
Table 106 Credit Cards: Number of Cards by Operator 2017-2021
Table 107 Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 108 Credit Cards Payment Transaction Value by Operator 2017-2021
Table 109 Commercial Credit Cards: Number of Cards by Issuer 2017-2021
Table 110 Commercial Credit Cards: Number of Cards by Operator 2017-2021
Table 111 Commercial Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 112 Commercial Credit Cards Payment Transaction Value by Operator 2017-2021
Table 113 Personal Credit Cards: Number of Cards by Issuer 2017-2021
Table 114 Personal Credit Cards: Number of Cards by Operator 2017-2021
Table 115 Personal Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 116 Personal Credit Cards Payment Transaction Value by Operator 2017-2021
Table 117 Forecast Credit Cards: Number of Cards in Circulation 2022-2027
Table 118 Forecast Credit Cards Transactions 2022-2027
Table 119 Forecast Credit Cards in Circulation: % Growth 2022-2027
Table 120 Forecast Credit Cards Transactions: % Growth 2022-2027
Table 121 Forecast Commercial Credit Cards: Number of Cards in Circulation 2022-2027
Table 122 Forecast Commercial Credit Cards Transactions 2022-2027
Table 123 Forecast Commercial Credit Cards in Circulation: % Growth 2022-2027
Table 124 Forecast Commercial Credit Cards Transactions: % Growth 2022-2027
Table 125 Forecast Personal Credit Cards: Number of Cards in Circulation 2022-2027
Table 126 Forecast Personal Credit Cards Transactions 2022-2027
Table 127 Forecast Personal Credit Cards in Circulation: % Growth 2022-2027
Table 128 Forecast Personal Credit Cards Transactions: % Growth 2022-2027
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