儲值卡市場報告：2030 年趨勢、預測與競爭分析

儲值卡趨勢和預測

全球儲值卡市場的未來前景廣闊，零售機構、企業機構、政府機構和金融機構領域都充滿機會。 2030年，全球儲值卡市場預計將達到53,856億美元，2024年至2030年的複合年成長率為14.5%。該市場的主要驅動力是匯款服務中對儲值卡的需求不斷增加、銀行帳戶和銀行帳戶個人數量的快速增加以及對無現金交易的興趣不斷成長。

• 從類型來看，Lucintel 預測，由於閉合迴路卡具有多種優勢，包括易於使用、詐騙風險低和利率低，因此在預測期內仍將是一個很大的細分市場。
• 在最終用途類別中，由於購物和申請支付中對線上零售活動的偏好日益增加，零售機構將繼續成為最大的細分市場。
• 從地區來看，由於強大的金融基礎設施、網路購物的日益普及以及有利於在該地區引入儲值卡的政府法規，北美在預測期內可能仍將是最大的地區。

儲值卡市場的策略成長機會

在技​​術、不斷變化的客戶群和監管因素的推動下，儲值卡市場擁有眾多成長機會。企業應該探索這些機會來擴大市場佔有率並滿足多樣化的消費者需求。

• 數位和行動付款：發行具有數位和付款付款功能的儲值卡具有成長潛力。隨著越來越多的消費者使用行動電子錢包，儲值卡可能會發現作為這些服務的延伸的價值，支持向數位金融的轉變並增加客戶價值。
• 金融包容性：儲值卡市場在促進金融包容性方面不斷成長，特別是在銀行帳戶的人身上。經濟實惠的預付為那些沒有傳統管道的人提供銀行服務，並與為新興市場服務不足的人群提供服務的努力相一致。
• 客製化和個人化：可自訂的儲值卡非常受歡迎。透過允許用戶選擇個人使用和促銷用途的設計和功能，我們滿足了對獨特金融產品的需求，並擴大了市場對尋求此類選擇的客戶的吸引力。
• 企業和薪資解決方案：儲值卡擴大被企業用於員工社會福利、薪資核算和費用管理。這些卡片可降低管理成本並實現財務控制，使其成為企業環境中有吸引力的產品。
• 電子商務和線上付款：電子商務的興起為安全線上交易的儲值卡創造了機會，為線上購買提供便利的支付方式並支持市場成長。

這些策略性成長機會增強了儲值卡市場的功能、可及性和吸引力。透過利用這些機會，公司有望為進一步的市場成長做出貢獻。

儲值卡市場的促進因素與挑戰

儲值卡市場受到各種促進因素​​和挑戰的影響，包括技術進步、經濟狀況和監管要求，這些因素都會影響其成長軌跡。了解這些因素對於相關人員適應市場變化至關重要。

市場促進因素

• 技術進步：數位錢包、行動支付和安全功能的趨勢將使儲值卡對消費者更具吸引力並與數位支付趨勢保持一致，從而推動成長。
• 數位付款的採用增加：隨著越來越多的消費者更喜歡無現金選擇，數位付款的採用增加將支持儲值卡市場的擴張。
• 關注金融普惠：金融普惠努力惠及低收入和銀行帳戶的社區，並透過為沒有傳統銀行帳戶的人提供付款解決方案來擴大市場。
• 客製化和個人化的需求：消費者對獨特金融產品的需求正在推動儲值卡客製化的創新並增加市場吸引力。
• 企業和薪資解決方案：利用儲值卡滿足企業需求（例如員工社會福利和薪資核算）將透過簡化財務管理來推動市場成長。

市場挑戰

• 監管合規性：遵守 AML 和 KYC 等法規會為發行人帶來限制和營運成本，並對市場成長構成挑戰。
• 詐欺和安全問題：詐騙風險需要強力的安全措施來維持消費者信任並防止損失，並且需要對安全技術的持續投資。
• 市場飽和與競爭：激烈的競爭對價格和利潤率帶來壓力，迫使發行人進行創新和差異化以維持市場佔有率。

解決這些市場促進因素和挑戰對於市場參與者適應和利用成長機會至關重要。

目錄

第1章執行摘要

第2章全球儲值卡市場：市場動態

• 簡介、背景、分類
• 供應鏈
• 產業促進因素與挑戰

第3章 2018-2030年市場趨勢及預測分析

• 宏觀經濟趨勢（2018-2023）與預測（2024-2030）
• 全球儲值卡市場趨勢（2018-2023）與預測（2024-2030）
• 全球儲值卡市場（按類型）
  • 閉合迴路卡
  • 開放回路卡
• 全球儲值卡市場（按應用）
  • 萬能儲值卡
  • 禮品卡
  • 政府福利/支付卡
  • 獎勵/工資卡
  • 其他
• 全球儲值卡市場，依最終用途
  • 零售店
  • 法人機構
  • 政府
  • 金融機構
  • 其他

第4章 2018-2030年區域市場趨勢及預測分析

• 全球儲值卡市場按地區分類
• 北美儲值卡市場
• 歐洲儲值卡市場
• 亞太儲值卡市場
• 其他地區儲值卡市場

第5章 競爭分析

• 產品系列分析
• 營運整合
• 波特五力分析

第6章 成長機會與策略分析

• 成長機會分析
  • 全球儲值卡市場的成長機會（按類型）
  • 全球儲值卡市場成長機會（按應用）
  • 全球儲值卡市場成長機會（依最終用途）
  • 全球儲值卡市場成長機會（按地區）
• 全球儲值卡市場新趨勢
• 戰略分析
  • 新產品開發
  • 全球儲值卡市場容量不斷擴大
  • 全球儲值卡市場的合併、收購和合資企業
  • 認證和許可

第7章主要企業概況

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

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.

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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