한글목차

선불 카드 동향 및 예측

세계 선불카드 시장의 미래는 소매시설, 기업기관, 정부기관, 금융기관 부문의 기회로 유망시되고 있습니다. 시장은 2024년부터 2030년까지 CAGR는 14.5%, 2030년까지 추정 5조 3,856억 달러에 이를 것으로 예상됩니다. 이 시장의 주요 촉진요인은 송금 서비스의 선불 카드 수요 증가, 은행 계좌가 없는 개인 및 은행 계좌가 없는 개인의 급증, 현금없는 거래에 대한 관심 증가입니다.

• Lucintel의 예측에서는 유형별로는 클로즈드 루프 카드가, 이용의 용이성, 사기 리스크의 낮음, 금리의 낮음 등, 다양한 이점이 있기 때문에 예측 기간 중에도 큰 부문으로 지속될 것으로 예상됩니다.
• 최종 용도 카테고리에서는 쇼핑이나 청구서 지불에 있어서의 온라인 소매 활동에의 기호의 고조에 의해 소매 시설이 계속해 최대 부문이 된다고 생각됩니다.
• 지역별로는 북미는 견고한 금융 인프라의 존재, 온라인 쇼핑의 인기가 높아지고, 이 지역에서 선불카드의 도입에 유리한 정부규제의 존재로 예측기간 중 가장 규모가 큰 지역으로 지속될 것으로 보입니다.

선불 카드 시장의 전략적 성장 기회

선불카드 시장에는 기술, 고객층 변화, 규제 요인에 힘입어 수많은 성장 기회가 있습니다.

• 디지털 결제 및 모바일 결제 : 디지털 및 모바일 결제 기능을 갖춘 선불 카드 발급은 성장 가능성을 제공합니다. 더 많은 소비자가 모바일 월렛을 사용하는 동안 선불 카드가 이러한 서비스 연장으로서 가치를 찾아 디지털 금융으로의 시프트를 서포트해, 고객 가치를 높일 가능성이 있습니다.
• 금융포섭: 선불카드 시장은 특히 은행계좌가 없는 사람들의 금융포섭을 촉진하는데 있어 성장하고 있습니다. 를 제공하고 신흥 시장에서 충분한 서비스를받지 못한 사람들에게 서비스를 제공하는 노력과 일치합니다.
• 커스터마이징 및 개인화 : 커스터마이징 가능한 선불 카드는 매우 인기가 있습니다. 이러한 선택을 요구하는 고객들 사이에서 시장의 매력을 확대합니다.
• 법인 및 급여 솔루션 : 선불 카드는 직원의 복리 후생, 급여 계산 및 경비 관리를 위해 기업에서 점점 더 많이 사용되고 있습니다. 이러한 카드는 관리 비용을 줄이고 재무 관리 하기 위해 기업 환경에서 매력적인 상품입니다.
• 전자상거래 및 온라인 결제: 전자상거래의 상승은 안전한 온라인 거래를 위해 설계된 선불 카드 기회를 창출하고 온라인 구매를 위한 편리한 지불 방법을 제공하며 시장 성장을 지원합니다.

이러한 전략적 성장 기회는 선불카드 시장의 기능성, 접근성, 매력을 높일 수 있습니다.

선불 카드 시장 성장 촉진요인· 과제

선불 카드 시장은 기술 진보, 경제 상황, 규제 요건 등 다양한 촉진요인과 과제에 의해 형성되고 그 성장 궤도에 영향을 미치고 있습니다 이러한 요인을 이해하는 것은 이해 관계자가 시장의 변화에 적응하기 위해 매우 중요합니다.

시장 성장 촉진요인

• 기술 진화 : 디지털 월렛, 모바일 지불, 보안 기능의 동향은 선불 카드를 소비자에게 더 매력적으로 만들고 디지털 지불에 대한 추세와 일치시켜 성장을 가속합니다.
• 디지털 결제 도입 증가 : 디지털 결제 이용 증가는 현금없는 옵션을 선호하는 소비자 증가에 따라 선불 카드 시장의 확대를 지원합니다.
• 금융포섭에 대한 주력: 금융포섭에 대한 대처는 저소득층이나 은행 계좌가 없는 지역에도 침투하여 기존의 은행 계좌가 없는 사람들에게도 결제 솔루션을 제공함으로써 시장을 확대합니다.
• 커스터마이즈와 개인화 수요: 독특한 금융상품에 대한 소비자 수요가 선불카드의 커스터마이즈에 있어서의 혁신을 촉진해, 시장의 매력을 높이고 있습니다.
• 법인 및 급여 솔루션 : 직원의 복리 후생 및 급여 계산 등 기업의 요구에 대한 선불 카드의 이용은 재무 관리의 합리화를 통해 시장의 성장을 가속합니다.

시장의 과제

• 규제에의 대응 : AML이나 KYC등의 규제의 준수는 발행자에게 제한이나 운영 코스트를 부과해, 시장 성장에의 과제가 되고 있습니다.
• 부정 행위 및 보안에 대한 우려: 사기의 위험은 소비자의 신뢰를 유지하고 손실을 방지하기 위한 강력한 보안 조치를 필요로 하며 보안 기술에 대한 지속적인 투자를 필요로 합니다.
• 시장 포화와 경쟁 : 높은 경쟁은 가격과 이익률을 압박하고 발행자는 시장 점유율을 유지하기 위해 혁신과 차별화를 강요받습니다.

이러한 시장 성장 촉진요인과 과제를 다루는 것은 시장 기업이 적응하고 성장 기회를 활용하는 데 필수적입니다.

목차

제1장 주요 요약

제2장 세계 선불 카드 시장 : 시장 역학

• 소개, 배경, 분류
• 공급망
• 업계의 촉진요인과 과제

제3장 시장 동향과 예측 분석(2018-2030년)

• 거시경제 동향(2018-2023년)과 예측(2024-2030년)
• 세계의 선불 카드 시장 동향(2018-2023년)과 예측(2024-2030년)
• 세계 선불 카드 시장, 유형별
  • 폐쇄 루프 카드
  • 개방 루프 카드
• 세계 선불 카드 시장, 용도별
  • 범용 재충전 가능 카드
  • 기프트 카드
  • 정부급여금/지불카드
  • 인센티브/급여 카드
  • 기타
• 세계 선불 카드 시장, 최종 용도별
  • 소매점
  • 기업기관
  • 정부
  • 금융기관
  • 기타

제4장 지역별 시장 동향과 예측 분석(2018-2023년)

• 지역별 세계 선불 카드 시장
• 북미의 선불 카드 시장
• 유럽 선불 카드 시장
• 아시아태평양 선불 카드 시장
• 기타 지역의 선불 카드 시장

제5장 경쟁 분석

• 제품 포트폴리오 분석
• 운영 통합
• Porter's Five Forces 분석

제6장 성장 기회와 전략 분석

• 성장 기회 분석
  • 세계의 선불 카드 시장에서의 성장 기회(유형별)
  • 용도별 세계 선불 카드 시장의 성장 기회
  • 최종 용도별 세계의 선불 카드 시장의 성장 기회
  • 지역별 세계의 선불 카드 시장의 성장 기회
• 세계 선불 카드 시장의 새로운 동향
• 전략 분석
  • 신제품 개발
  • 세계 선불 카드 시장의 용량 확대
  • 세계 선불 카드 시장에서의 합병, 인수, 합작 사업
  • 인증 및 라이선싱

제7장 주요 기업의 기업 프로파일

• Green Dot
• NetSpend Holdings
• H&R Block
• American Express
• JPMorgan
• PayPal Holdings
• BBVA Compass Bancshares
• Mango Financial
• UniRush
• Kaiku Finance

영문목차

Prepaid Card Trends and Forecast

The future of the global prepaid card market looks promising with opportunities in the retail establishment, corporate institution, government, and financial institution sectors. The global prepaid card market is expected to reach an estimated $5,385.6 billion by 2030 with a CAGR of 14.5% from 2024 to 2030. The major drivers for this market are increasing demand for prepaid cards in remittance services, the surge in the number of unbanked and underbanked individuals, and growing interest in cashless transactions.

• Lucintel forecasts that, within the type category, closed-loop cards will remain a larger segment over the forecast period due to their various benefits, such as easy accessibility, low risk of fraud, and low interest rates.
• Within the end-use category, retail establishments will remain the largest segment due to increasing preference for online retail activities for shopping and bill payment.
• In terms of regions, North America will remain the largest region over the forecast period due to the existence of robust financial infrastructure, the rising popularity of online shopping, and the existence of favorable government regulations towards the adoption of prepaid cards in the region.

Gain valuable insights for your business decisions with our comprehensive 150+ page report.

Emerging Trends in the Prepaid Card Market

In various stages of the prepaid card market and its growth, certain emerging trends pose potential threats. These trends emphasize the growing integration of technology, increased safety, greater efficiency, and personalization of prepaid cards. They also illustrate how the market is evolving and the trends fueling its expansion.

• Digital Wallet Integration: Over recent years, digital wallets and mobile payment platforms have started accepting prepaid cards, allowing consumers to load and use prepaid funds via well-functioning mobile applications. This streamlines payment transfers increases accessibility, and quickens payment speeds, aligning with the movement towards electronic money. This trend supports market growth by offering users a flexible and integrated financial tool.
• Enhanced Security Features: Concerns over fraud and theft have led prepaid card providers to innovate in security provisions. Advancements such as virtual card numbers, instant transaction notifications, and fingerprint authentication have boosted prepaid card security. These updates alleviate customer concerns about security, encouraging product use and adoption. Enhanced security is a key strategy in the competitive prepaid card market.
• Customization and Personalization: Personalization in prepaid cards is on the rise, with issuers allowing users to choose card designs, add inscriptions, and select specific features. This personalization enhances user interaction and meets the needs of customers seeking unique financial products. The market is growing as segments seeking customized services are drawn to it.
• Financial Inclusion Initiatives: Prepaid cards are particularly effective in providing financial services to previously excluded populations. These cards enable individuals to pay or store money without traditional banking, supporting financial inclusion through technology. Financial inclusion initiatives in Africa and other emerging markets have fueled prepaid card adoption.
• Loyalty and Rewards Integration: Offering prepaid cards with loyalty and rewards programs is becoming common. Issuers partner with merchants to provide cardholders with points, discounts, and cashback benefits, adding value and encouraging card use. Loyalty and rewards integration strengthens the market by increasing the benefits of prepaid cards.

These trends are transforming the prepaid card market by enhancing functionality, security, and usability. The growth drivers include digital wallet integration, improved security, personalization, financial inclusion, and loyalty programs. Although still evolving, these trends will shape the development and uptake of prepaid cards and the future market landscape.

Recent Developments in the Prepaid Card Market

The prepaid card sector has seen significant changes due to technological advancements, evolving customer needs, and regulatory shifts. These changes enhance the practicality, security, and appeal of prepaid cards, illustrating how the market is evolving and expanding.

• Advanced Digital Integration: A key development in the prepaid card market is integration with digital wallets and mobile payment systems. Users can control prepaid cards via dedicated apps and make payments without swiping. This trend improves convenience, meeting the growing demand for digital finance and broadening market appeal.
• Enhanced Security Features: Recent security advancements include biometric authorization, timely fraud alerts, and virtual card numbers, which strengthen prepaid card security. These features counter fraud and identity theft, boosting consumer acceptance and providing a competitive market edge.
• Customization Options: Prepaid card issuers now offer options for unique designs, messages, and features to meet consumer demand for distinct financial products. These customizations improve user experience, making prepaid cards suitable for gifts and marketing, thus expanding the market.
• Financial Inclusion Initiatives: Prepaid cards are gaining popularity as tools for financial inclusion, particularly among unbanked populations. New low-cost prepaid cards offer an affordable alternative to conventional banking, supporting the global push for financial inclusion in underserved communities.
• Loyalty and Rewards Integration: Another trend is integrating prepaid cards with loyalty programs. Issuers collaborate with retailers to offer rewards, cashback, and discounts, enhancing card appeal and usage, and thereby promoting broader consumer adoption.

These recent developments have positively impacted the prepaid card market by improving functionality, security, and attractiveness. Growth is being driven by effective digital integration, enhanced security, product personalization, market monetization, and loyalty programs, shaping the future direction of the prepaid card market.

Strategic Growth Opportunities for Prepaid Card Market

The prepaid card market offers numerous growth opportunities driven by technology, changing customer demographics, and regulatory factors. To expand market presence and meet diverse consumer needs, businesses should explore these opportunities.

• Digital and Mobile Payments: Issuing prepaid cards with digital and mobile payment capabilities presents growth potential. As more consumers use mobile wallets, they may find prepaid cards valuable extensions of these services, supporting the shift towards digital finance and enhancing customer value.
• Financial Inclusion: The prepaid card market is growing, especially in promoting financial inclusion among unbanked populations. Affordable prepaid cards offer banking services to those without conventional access, aligning with efforts to serve underserved populations in emerging markets.
• Customization and Personalization: Customizable prepaid cards are highly sought after. Allowing users to select designs and features for personal or promotional use fulfills the need for unique financial products, expanding market appeal among customers seeking such options.
• Corporate and Payroll Solutions: Prepaid cards are increasingly used by corporations for employee benefits, payroll, and expense management. These cards reduce administrative costs and offer financial control, making them appealing in the corporate environment.
• E-commerce and Online Payments: The rise of e-commerce creates opportunities for prepaid cards designed for secure online transactions, providing a convenient payment method for online purchases, which supports market growth.

These strategic growth opportunities enhance the prepaid card market's functionality, accessibility, and appeal. As businesses leverage these opportunities, they will contribute to further market growth.

Prepaid Card Market Driver and Challenges

The prepaid card market is shaped by various drivers and challenges, including technological advancements, economic conditions, and regulatory requirements, which influence its growth trajectory. Understanding these factors is crucial for stakeholders to adapt to market changes.

Market Drivers

• Technological Evolution: Advances in digital wallets, mobile payments, and security features drive growth, making prepaid cards more appealing to consumers and aligning with the trend toward digital payments.
• Increasing Digital Payment Adoption: The rise in digital payment use supports prepaid card market expansion as more consumers prefer cashless options.
• Focus on Financial Inclusion: Financial inclusion efforts expand the market by reaching low-income and underbanked regions, providing payment solutions to those without traditional banking.
• Customization and Personalization Demand: Consumer demand for unique financial products drives innovations in prepaid card customization, enhancing market appeal.
• Corporate and Payroll Solutions: The use of prepaid cards for corporate needs, such as employee benefits and payroll, drives market growth through streamlined financial management.

Market Challenges

• Regulatory Compliance: Compliance with regulations such as AML and KYC imposes restrictions and operational costs on issuers, posing challenges to market growth.
• Fraud and Security Concerns: Fraud risks necessitate strong security measures to maintain consumer confidence and prevent losses, requiring continuous investment in security technologies.
• Market Saturation and Competition: High competition pressures prices and profit margins, compelling issuers to innovate and differentiate to retain market share.

Addressing these drivers and challenges is essential for market players to adapt and capitalize on growth opportunities.

List of Prepaid Card Companies

Companies in the market compete on the basis of product quality offered. Major players in this market focus on expanding their manufacturing facilities, R&D investments, infrastructural development, and leverage integration opportunities across the value chain. With these strategies prepaid card companies cater increasing demand, ensure competitive effectiveness, develop innovative products & technologies, reduce production costs, and expand their customer base. Some of the prepaid card companies profiled in this report include-

• Green Dot
• NetSpend Holdings
• H&R Block
• American Express
• JPMorgan
• PayPal Holdings
• BBVA Compass Bancshares
• Mango Financial
• UniRush
• Kaiku Finance

Prepaid Card by Segment

The study includes a forecast for the global prepaid card by type, usage, end use, and region.

Prepaid Card Market by Type [Analysis by Value from 2018 to 2030]:

• Closed Loop Card
• Open Loop Card

Prepaid Card Market by Usage [Analysis by Value from 2018 to 2030]:

• General Purpose Reloadable Card
• Gift Card
• Government Benefits/Disbursement Card
• Incentive/Payroll Card
• Others

Prepaid Card Market by End Use [Analysis by Value from 2018 to 2030]:

• Retail Establishment
• Corporate Institutions
• Government
• Financial Institutions
• Others

Prepaid Card Market by Region [Shipment Analysis by Value from 2018 to 2030]:

• North America
• Europe
• Asia Pacific
• The Rest of the World

Country Wise Outlook for the Prepaid Card Market

More and more prepaid card markets are rising, and the reason lies in the tech progress, changes in customers' behavior, and alterations in regional policy. This evolution can be observed in developed countries around the world more specifically, the US, China, Germany, India, and Japan, which are major economies. Each region faces different developments owing to local economic development, technology uptake, and policies. There is no doubt that these regional variations present an opportunity to anticipate the future direction of the evolution of the global prepaid card market as well as the determinants of growth.

• United States: The U.S. prepaid card market is booming, owing especially to the advancements made in digital and fuelling of technology. In recent times, there has been an increase in the use of prepaid cards as integrated with mobile wallets and digital banks for the reasons of enhancing how finances are accessed. There are now even more security measures in place such as the use of biometric features and live fraud checks. Furthermore, preloaded cards are gradually gaining popularity as a means of salary payment or government support disbursement which shows that people want something practical rather than money.
• China: The developing landscape of China's prepaid card market can be attributed to the fact that prepaid cards are now compatible with apps such as Alipay and WeChat Pay to the advantage of the user. This makes it easier for the user to use a mobile application to load and spend the funds in their account without having to go to a point of sale. The Chinese prepaid card market has recorded several engagements of different prepaid cards designed or made for customers whereby other includes, including Travel prepaid cards, shopping, etc. Such developments are fueled by the current digital inclusion and advances in payment systems.
• Germany: The prepaid card market in Germany shows new trends in supervisory activities and security issues. Prepaid cards are becoming more and more centered on the requirements to prevent money laundering and to know your customers under the laws of the European Union. Moreover, prepaid cards are expected to have a broader use for travel and internet payments due to the growing need for secured payment solutions. Prepaid cards are now also being adopted by Germans in the virtual and contactless form, consistent with the prevailing pattern of technological adoption.
• India: The prepaid card market in India is on the edge of phenomenally developing due to the increase of government initiatives towards a cashless economy and extending the reach to more people. The recent and anticipated introduction of prepaid cards has given a new arena of use such as tourism, e-shopping, government support schemes, etc. Other catalysts of this emerging market include the growing usage of smartphones and digital payment technology. There are also recent low-priced, unconventional prepaid card products and credit card-like products being launched to meet the varying needs of the Indian market.
• Japan: In Japan, prepaid card development is characterized by a convergence of technology and greater ease of use for the customer. One such new development is a prepaid card that can be used for public transport and has projects like the Promise Card attached. Across the nation, more and more people are using election 'Vouchers' or prepaid cards over the internet to pay for goods or buy them, because of their multifunctional use and efficiency. Also, there is a growing tendency of people about contactless payment and mobile app integration which side caters to technological advancement and comfort in Japan.

Features of the Global Prepaid Card Market

Market Size Estimates: Prepaid card market size estimation in terms of value ($B).

Trend and Forecast Analysis: Market trends (2018 to 2023) and forecast (2024 to 2030) by various segments and regions.

Segmentation Analysis: Prepaid card market size by type, usage, end use, and region in terms of value ($B).

Regional Analysis: Prepaid card market breakdown by North America, Europe, Asia Pacific, and Rest of the World.

Growth Opportunities: Analysis of growth opportunities in different types, usages, end uses, and regions for the prepaid card market.

Strategic Analysis: This includes M&A, new product development, and competitive landscape of the prepaid card market.

Analysis of competitive intensity of the industry based on Porter's Five Forces model.

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This report answers following 11 key questions:

• Q.1. What are some of the most promising, high-growth opportunities for the prepaid card market by type (closed loop card and open loop card), usage (general purpose reloadable card, gift card, government benefits/disbursement card, incentive/payroll card, and others), end use (retail establishment, corporate institutions, government, financial institutions, and others), and region (North America, Europe, Asia Pacific, and the Rest of the World)?
• Q.2. Which segments will grow at a faster pace and why?
• Q.3. Which region will grow at a faster pace and why?
• Q.4. What are the key factors affecting market dynamics? What are the key challenges and business risks in this market?
• Q.5. What are the business risks and competitive threats in this market?
• Q.6. What are the emerging trends in this market and the reasons behind them?
• Q.7. What are some of the changing demands of customers in the market?
• Q.8. What are the new developments in the market? Which companies are leading these developments?
• Q.9. Who are the major players in this market? What strategic initiatives are key players pursuing for business growth?
• Q.10. What are some of the competing products in this market and how big of a threat do they pose for loss of market share by material or product substitution?
• Q.11. What M&A activity has occurred in the last 5 years and what has its impact been on the industry?

Table of Contents

1. Executive Summary

2. Global Prepaid Card Market : Market Dynamics

• 2.1: Introduction, Background, and Classifications
• 2.2: Supply Chain
• 2.3: Industry Drivers and Challenges

3. Market Trends and Forecast Analysis from 2018 to 2030

• 3.1. Macroeconomic Trends (2018-2023) and Forecast (2024-2030)
• 3.2. Global Prepaid Card Market Trends (2018-2023) and Forecast (2024-2030)
• 3.3: Global Prepaid Card Market by Type
  • 3.3.1: Closed Loop Card
  • 3.3.2: Open Loop Card
• 3.4: Global Prepaid Card Market by Usage
  • 3.4.1: General Purpose Reloadable Card
  • 3.4.2: Gift Card
  • 3.4.3: Government Benefits/Disbursement Card
  • 3.4.4: Incentive/Payroll Card
  • 3.4.5: Others
• 3.5: Global Prepaid Card Market by End Use
  • 3.5.1: Retail Establishment
  • 3.5.2: Corporate Institutions
  • 3.5.3: Government
  • 3.5.4: Financial Institutions
  • 3.5.5: Others

4. Market Trends and Forecast Analysis by Region from 2018 to 2030

• 4.1: Global Prepaid Card Market by Region
• 4.2: North American Prepaid Card Market
  • 4.2.1: North American Market by Type: Closed Loop Card and Open Loop Card
  • 4.2.2: North American Market by End Use: Retail Establishment, Corporate Institutions, Government, Financial Institutions, and Others
• 4.3: European Prepaid Card Market
  • 4.3.1: European Market by Type: Closed Loop Card and Open Loop Card
  • 4.3.2: European Market by End Use: Retail Establishment, Corporate Institutions, Government, Financial Institutions, and Others
• 4.4: APAC Prepaid Card Market
  • 4.4.1: APAC Market by Type: Closed Loop Card and Open Loop Card
  • 4.4.2: APAC Market by End Use: Retail Establishment, Corporate Institutions, Government, Financial Institutions, and Others
• 4.5: ROW Prepaid Card Market
  • 4.5.1: ROW Market by Type: Closed Loop Card and Open Loop Card
  • 4.5.2: ROW Market by End Use: Retail Establishment, Corporate Institutions, Government, Financial Institutions, and Others

5. Competitor Analysis

• 5.1: Product Portfolio Analysis
• 5.2: Operational Integration
• 5.3: Porter's Five Forces Analysis

6. Growth Opportunities and Strategic Analysis

• 6.1: Growth Opportunity Analysis
  • 6.1.1: Growth Opportunities for the Global Prepaid Card Market by Type
  • 6.1.2: Growth Opportunities for the Global Prepaid Card Market by Usage
  • 6.1.3: Growth Opportunities for the Global Prepaid Card Market by End Use
  • 6.1.4: Growth Opportunities for the Global Prepaid Card Market by Region
• 6.2: Emerging Trends in the Global Prepaid Card Market
• 6.3: Strategic Analysis
  • 6.3.1: New Product Development
  • 6.3.2: Capacity Expansion of the Global Prepaid Card Market
  • 6.3.3: Mergers, Acquisitions, and Joint Ventures in the Global Prepaid Card Market
  • 6.3.4: Certification and Licensing

7. Company Profiles of Leading Players

• 7.1: Green Dot
• 7.2: NetSpend Holdings
• 7.3: H&R Block
• 7.4: American Express
• 7.5: JPMorgan
• 7.6: PayPal Holdings
• 7.7: BBVA Compass Bancshares
• 7.8: Mango Financial
• 7.9: UniRush
• 7.10: Kaiku Finance