储值卡市场报告：2030 年趋势、预测与竞争分析

储值卡趋势和预测

全球储值卡市场的未来前景广阔，零售机构、企业机构、政府机构和金融机构领域都充满机会。 2030年，全球储值卡市场预计将达到53,856亿美元，2024年至2030年的复合年增长率为14.5%。该市场的主要驱动力是汇款服务中对储值卡的需求不断增加、银行帐户和银行帐户个人数量的快速增加以及对无现金交易的兴趣不断增长。

• 从类型来看，Lucintel 预测，由于闭合迴路卡具有多种优势，包括易于使用、诈骗风险低和利率低，因此在预测期内仍将是一个很大的细分市场。
• 在最终用途类别中，由于购物和申请支付中对线上零售活动的偏好日益增加，零售机构将继续成为最大的细分市场。
• 从地区来看，由于强大的金融基础设施、网路购物的日益普及以及有利于在该地区引入储值卡的政府法规，北美在预测期内可能仍将是最大的地区。

储值卡市场的策略成长机会

在技​​术、不断变化的客户群和监管因素的推动下，储值卡市场拥有众多成长机会。企业应该探索这些机会来扩大市场份额并满足多样化的消费者需求。

• 数位和行动付款：发行具有数位和付款付款功能的储值卡具有成长潜力。随着越来越多的消费者使用行动电子钱包，储值卡可能会发现作为这些服务的延伸的价值，支持向数位金融的转变并增加客户价值。
• 金融包容性：储值卡市场在促进金融包容性方面不断成长，特别是在银行帐户的人身上。经济实惠的预付为那些没有传统管道的人提供银行服务，并与为新兴市场服务不足的人群提供服务的努力相一致。
• 客製化和个人化：可自订的储值卡非常受欢迎。透过允许用户选择个人使用和促销用途的设计和功能，我们满足了对独特金融产品的需求，并扩大了市场对寻求此类选择的客户的吸引力。
• 企业和薪资解决方案：储值卡越来越多地被企业用于员工社会福利、薪资核算和费用管理。这些卡片可降低管理成本并实现财务控制，使其成为企业环境中有吸引力的产品。
• 电子商务和线上付款：电子商务的兴起为安全线上交易的储值卡创造了机会，为线上购买提供便利的支付方式并支持市场成长。

这些策略性成长机会增强了储值卡市场的功能、可及性和吸引力。透过利用这些机会，公司有望为进一步的市场成长做出贡献。

储值卡市场的驱动因素与挑战

储值卡市场受到各种驱动因素​​和挑战的影响，包括技术进步、经济状况和监管要求，这些因素都会影响其成长轨迹。了解这些因素对于相关人员适应市场变化至关重要。

市场驱动因素

• 技术进步：数位钱包、行动支付和安全功能的趋势将使储值卡对消费者更具吸引力并与数位支付趋势保持一致，从而推动成长。
• 数位付款的采用增加：随着越来越多的消费者更喜欢无现金选择，数位付款的采用增加将支持储值卡市场的扩张。
• 关注金融普惠：金融普惠努力惠及低收入和银行帐户的社区，并透过为没有传统银行帐户的人提供付款解决方案来扩大市场。
• 客製化和个人化的需求：消费者对独特金融产品的需求正在推动储值卡客製化的创新并增加市场吸引力。
• 企业和薪资解决方案：利用储值卡满足企业需求（例如员工社会福利和薪资核算）将透过简化财务管理来推动市场成长。

市场挑战

• 监管合规性：遵守 AML 和 KYC 等法规会为发行人带来限制和营运成本，并对市场成长构成挑战。
• 诈欺和安全问题：诈骗风险需要强有力的安全措施来维持消费者信任并防止损失，并且需要对安全技术的持续投资。
• 市场饱和与竞争：激烈的竞争对价格和利润率带来压力，迫使发行人进行创新和差异化以维持市场占有率。

解决这些市场驱动因素和挑战对于市场参与者适应和利用成长机会至关重要。

目录

第一章执行摘要

第二章全球储值卡市场：市场动态

• 简介、背景、分类
• 供应链
• 产业驱动因素与挑战

第三章 2018-2030年市场趋势及预测分析

• 宏观经济趋势（2018-2023）与预测（2024-2030）
• 全球储值卡市场趋势（2018-2023）与预测（2024-2030）
• 全球储值卡市场（按类型）
  • 闭合迴路卡
  • 开放回路卡
• 全球储值卡市场（按应用）
  • 万能储值卡
  • 礼品卡
  • 政府福利/支付卡
  • 奖励/工资卡
  • 其他的
• 全球储值卡市场，依最终用途
  • 零售店
  • 法人机构
  • 政府
  • 金融机构
  • 其他的

第四章 2018-2030年区域市场趋势及预测分析

• 全球储值卡市场按地区划分
• 北美储值卡市场
• 欧洲储值卡市场
• 亚太储值卡市场
• 其他地区储值卡市场

第五章 竞争分析

• 产品系列分析
• 营运整合
• 波特五力分析

第六章 成长机会与策略分析

• 成长机会分析
  • 全球储值卡市场的成长机会（按类型）
  • 全球储值卡市场成长机会（按应用）
  • 全球储值卡市场成长机会（依最终用途）
  • 全球储值卡市场成长机会（按地区）
• 全球储值卡市场新趋势
• 战略分析
  • 新产品开发
  • 全球储值卡市场容量不断扩大
  • 全球储值卡市场的合併、收购和合资企业
  • 认证和许可

第七章主要企业概况

• 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