This United States focused research examines the demographic, payment product and channel preference changes driving a profound transformation of the payments industry.

1. Consumer Payments in the U.S.: Trends
Driving the Credit, Debit, and Prepaid Card
Industries
Specific trends addressed both in macro and generational cohort specific terms include
responses to debit card fees and debit card loyalty programs cancelled by issuers in the wake of
debit interchange caps. Consumers have rejected new debit fees and as they have been
deluged with credit card offers, they have quickly switched their product preference from debit to
rejuvenated credit cards.
With household incomes declining even as healthcare costs and student loan debt are rising,
the overall payments pie is shrinking, prompting payment providers to base profit growth
strategies on taking market share from their competitors.
The overall economy will remain stalled until 2013 or 2014, and Millennials as the newest adult
generational cohort have brought with them novel payment and channel preferences. This
report guides issuers, retailers and marketers in optimizing the potency of each product
differentiating feature, mastering new payment and communication channels, and building
loyalty programs based on cost sharing with merchants to maintain or grow market share.
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US Prepaid Card Industries
Elizabeth Rowe is the managing director of Banking Research Associates, the independent
research and consultancy firm focused on underbanked consumers and the consumer
payments industry. Formerly, Elizabeth was Group Director of Banking Advisory Services at
Mercator Advisory Group, a banking and payments consultancy. Prior to joining Mercator, she
was the senior banking consultant at Guideline, Inc., a consultancy/business advisory firm. For
the past 18 years, she has worked with the nation's largest banks, credit unions, retailers and
solutions providers as they assess emerging consumer, technological, regulatory and
competitive challenges, trends and opportunities. She has taught at the ABA School of Bank
Card Management and frequently speaks at industry, federal regulator and client conferences.
She has been widely quoted in the financial press including The Economist, The Wall Street
Journal, American Banker, Forbes, Independent Banker and CNN.
Major points covered in Table of Contents of this report include:
EXECUTIVE SUMMARY
The Switch From Credit Cards to Debit Cards
Consumers Now Switching From Debit to Credit
Demographics of Cardholders by Generational Cohort
The Marketing of Payment Products
Inter-Relationship of Payment-Related Behaviors
Relationship Among Payment Behaviors
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2. Market Overview The American Consumer
The Switch from Credit Cards to Debit Cards
Explore Comprehensive list of more than Tables & Figures available in the report
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credit-debit-and-prepaid-card-industries.html
Report Details :
Published: February 2012
No. of Pages:
Price: Single User License – US $ 3995
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