信用卡市场概况、增长、趋势、分析、研究报告(2023-2031 年)

  • Report Code : TIPRE00039092
  • Category : Banking, Financial Services, and Insurance
  • No. of Pages : 150
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信用卡市场规模预计将从 2023 年的 5527.3 亿美元增长到 2031 年的 10574.8 亿美元;预计 2023 年至 2031 年的复合年增长率 8.4%。对便捷现金替代品的需求不断增长是推动信用卡市场增长的主要因素之一。

 

信用卡市场分析

 

随着时间的推移,信用卡越来越受欢迎,因为它具有许多优点,包括比借记卡更安全、付款处理更快、可以免息付款等等。此外,由于终端消费者迅速采用信用卡进行分期付款购买以及购买各种昂贵商品的人数增加,该行业正在不断扩大。此外,它为终端消费者提供延长保修和购买保护,这进一步推动了市场的扩张。许多信用卡还提供旅行、租车和退货保护,这一事实正在推动全球信用卡市场的扩张。

 

信用卡市场概览

 

  • 信用卡是由银行或金融服务公司提供的薄塑料或金属卡。
  • 它使持卡人能够借钱从各种零售商处购物。
  • 此外,银行和其他金融科技公司提供的信用卡使客户能够在销售点使用信用卡而不是现金支付各种服务。
  • 此外,该卡还提供多种优惠,其中之一就是用户还可以将其购买转换为EMI并相应付款,这进一步促进了信用卡市场的增长。

 

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信用卡市场:

Credit Card Market
  • 获取此报告的关键市场趋势。
    这个免费样品将包括数据分析,从市场趋势到估计和预测。

 

 

信用卡市场驱动因素

 

 

信用卡需求增长推动信用卡市场增长

 

  • 由于信用卡提供便捷的信贷、EMI设施、激励措施和各种优惠,因此全球对信用卡的需求正在增加。根据消费者金融保护局的数据,截至 2021 年底,美国 2.583 亿成年人中约有 1.906 亿人拥有以自己名义开设的信用卡账户。此外,根据CapitalOne 的数据,约 75% 的美国家庭至少拥有一张通用信用卡。
  • 不仅发达国家,各个发展中国家的信用卡需求也在增长。根据印度储备银行 (RBI) 的报告,2023 年 4 月,印度的信用卡商户支付量约为 2.5亿。此外,2023 年该国的信用卡用户数量约为 8.5亿,高于 2022 年的 7.5亿
  • 因此,由于上述所有因素,全球对信用卡的需求不断增加,推动了信用卡市场的增长。

 

信用卡市场报告细分分析

 

  • 根据产品类型,市场分为通用信用卡和专用信用卡。预计通用信用卡部分将在 2023 年占据相当大的信用卡市场份额。
  • 预计通用信用卡部分在预测期内也将保持最高的复合年增长率,特别是因为这种卡为用户提供了大量独家奖励以及不同的福利。

 

信用卡市场份额按地区分析

 

信用卡市场的范围主要分为五个区域——北美、欧洲、亚太地区、中东和非洲以及南美。北美正在经历快速增长,预计将占据相当大的信用卡市场份额。该地区拥有大量市场参与者,包括美国银行公司、美国运通、摩根大通等。此外,该地区正在见证信用卡的快速普及。根据亚特兰大联邦储备银行的数据,美国 77% 的成年人至少拥有一张信用卡。此外,根据美国银行家协会的数据,2022 年第三季度,美国约有 4.41 亿人开设了信用卡账户。因此,上述所有因素都在推动该地区市场的增长。

 

 

信用卡市场区域洞察

Insight Partners 的分析师已详尽解释了预测期内影响信用卡市场的区域趋势和因素。本节还讨论了北美、欧洲、亚太地区、中东和非洲以及南美和中美洲的信用卡市场细分和地理位置。

Credit Card Market
  • 获取信用卡市场的区域特定数据

信用卡市场报告范围

报告属性细节
2023 年的市场规模5527.3亿美元
2031 年市场规模10574.8亿美元
全球复合年增长率(2023 - 2031)8.4%
史料2021-2023
预测期2023-2031
涵盖的领域按产品类型
  • 通用信用卡和专用信用卡
按服务提供商
  • 签证
  • 万事达
按应用
  • 食品和杂货
  • 消费电子产品
  • 健康和药房
  • 餐厅和酒吧
  • 媒体和娱乐
  • 旅行和旅游
覆盖地区和国家北美
  • 我们
  • 加拿大
  • 墨西哥
欧洲
  • 英国
  • 德国
  • 法国
  • 俄罗斯
  • 意大利
  • 欧洲其他地区
亚太
  • 中国
  • 印度
  • 日本
  • 澳大利亚
  • 亚太其他地区
南美洲和中美洲
  • 巴西
  • 阿根廷
  • 南美洲和中美洲其他地区
中东和非洲
  • 南非
  • 沙特阿拉伯
  • 阿联酋
  • 中东和非洲其他地区
市场领导者和主要公司简介
  • 美国银行公司
  • 美国运通、花旗集团
  • 巴克莱
  • 汇丰银行
  • 第一资本
  • 摩根大通
  • 万事达
  • 美国汽车协会
  • SBI 卡和支付服务有限公司

 

信用卡市场参与者密度:了解其对业务动态的影响

信用卡市场正在快速增长,这得益于终端用户需求的不断增长,而这些需求又源于消费者偏好的不断变化、技术进步以及对产品优势的认识不断提高等因素。随着需求的增加,企业正在扩大其产品范围,进行创新以满足消费者的需求,并利用新兴趋势,从而进一步推动市场增长。

市场参与者密度是指在特定市场或行业内运营的企业或公司的分布情况。它表明在给定市场空间中,相对于其规模或总市场价值,有多少竞争对手(市场参与者)存在。

在信用卡市场运营的主要公司有:

  1. 美国银行公司
  2. 美国运通、花旗集团
  3. 巴克莱
  4. 汇丰银行
  5. 第一资本

免责声明上面列出的公司没有按照任何特定顺序排列。


Credit Card Market

 

  • 获取信用卡市场顶级关键参与者的概览

 

“信用卡市场分析”是根据产品类型、服务提供商、应用和地理位置进行的。根据产品类型,市场分为通用信用卡和专用信用卡。根据服务提供商,信用卡市场分为 Visa、Mastercard 和其他。根据应用,市场分为食品和杂货、消费电子产品、健康和药店、餐馆和酒吧、媒体和娱乐、旅行和旅游等。根据地理位置,市场分为北美、欧洲、亚太地区、中东和非洲以及南美。

 

信用卡市场新闻及最新发展

 

公司在信用卡市场采用无机和有机战略,例如并购。以下列出了一些近期的关键市场发展:

  • 2023 年 8 月,花旗全球财富推出了 ULTIMA 万事达信用卡,面向包括香港和新加坡在内的亚洲花旗私人银行客户。该卡利用花旗的全方位财富连续性,提供该银行领先的信用卡特许经营权的最佳服务,以更好地服务亚洲潜在和现有的超高净值客户

[来源:花旗,公司网站]

  • 2021 年 7 月,美国银行宣布推出美国银行无限现金奖励信用卡,客户可从所有购买中获得 1.5% 的无限现金返还。这张新信用卡是美国银行奖励卡系列中的最新一张,每张卡都旨在满足各种客户的需求。

[来源:美国银行,公司网站]

 

信用卡市场报告覆盖范围和交付成果

 

信用卡市场预测是根据各种二手和一手研究结果估算的,例如主要公司出版物、协会数据和数据库。市场报告“信用卡市场规模和预测(2021-2031 年)”对市场进行了详细分析,涵盖以下领域:

  • 范围内涵盖的所有主要细分市场的全球、区域和国家层面的市场规模和预测。
  • 市场动态,例如驱动因素、限制因素和关键机遇。
  • 未来的主要趋势。
  • 详细的 PEST 和 SWOT 分析
  • 全球和区域市场分析涵盖主要市场趋势、主要参与者、法规和最新的市场发展。
  • 行业格局和竞争分析包括市场集中度、热图分析、关键参与者和最新发展。
  • 详细的公司简介。
  • Historical Analysis (2 Years), Base Year, Forecast (7 Years) with CAGR
  • PEST and SWOT Analysis
  • Market Size Value / Volume - Global, Regional, Country
  • Industry and Competitive Landscape
  • Excel Dataset
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

This text is related
to country scope.

Frequently Asked Questions


What will be the market size for the global Credit Card Market by 2031?

The global Credit Card Market is expected to reach US$ 1057.48 billion by 2031.

What are the driving factors impacting the global Credit Card Market?

Rising demand for credit cards is the major factors that propel the global credit card market.

Which are the key players holding the major market share of the Credit Card Market?

The key players holding majority shares in the global Credit Card Market are Bank of America Corporation, American Express, Citigroup Inc., Mastercard, and JPMorgan Chase & Co.

What are the future trends of the Global Credit Card Market?

The growing adoption of digital payment solutions is anticipated to play a significant role in the global credit card market in the coming years.

What is the estimated market size for the global credit card market in 2023?

The global Credit Card Market was estimated to be US$ 552.73 billion in 2023 and is expected to grow at a CAGR of 8.4 % during the forecast period 2023 - 2031.

Trends and growth analysis reports related to Banking, Financial Services, and Insurance : READ MORE..   
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  • Bank of America Corporation
  • American Express, Citigroup Inc.
  • Barclays
  • HSBC
  • Capital One
  • JPMorgan Chase & Co
  • Mastercard
  • USAA
  • SBI Cards and Payment Services Limited

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The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. Data Collection and Secondary Research:

As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.

Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.

  1. Primary Research:

The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.

For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.

A typical research interview fulfils the following functions:

  • Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
  • Validates and strengthens in-house secondary research findings
  • Develops the analysis team’s expertise and market understanding

Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:

  • Industry participants: VPs, business development managers, market intelligence managers and national sales managers
  • Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.

Below is the breakup of our primary respondents by company, designation, and region:

Research Methodology

Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.

  1. Data Analysis:

Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.

  • Macro-Economic Factor Analysis:

We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.

  • Country Level Data:

Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.

  • Company Profile:

The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.

  • Developing Base Number:

Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.

  1. Data Triangulation and Final Review:

The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.

We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.

We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.