基于(关键地区、市场参与者、规模和份额)的信用卡市场 - 到 2030 年的预测

  • Report Code : TIPRE00039092
  • Category : Banking, Financial Services, and Insurance
  • Status : Data Released
  • No. of Pages : 150
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信用卡市场规模及趋势

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 年复合年增长率将达到 8.4%。对便捷现金替代品不断增长的需求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,信用卡变得越来越受欢迎,因为它具有许多优点,包括比借记卡更好的安全性、更快的付款处理、能够进行免息付款以及更多的。此外,由于终端消费者快速采用信用卡进行 EMI 购买以及购买各种昂贵商品的增加,该行业正在不断扩张。此外,它还为最终消费者提供延长的保修和购买保护,这进一步推动了市场的扩张。事实上,许多信用卡还提供旅行、租车和退货保障,这推动了全球信用卡市场的扩张。

信用卡市场概览

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  • 信用卡是银行或金融服务公司提供的一张薄塑料或金属卡。
  • 它使持卡人能够借钱从各种零售商那里购物。
  • 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来支付各种服务。
  • 此外,该卡还提供各种好处,其中之一是用户还可以将其购买的商品兑换成现金进入 EMI 并相应支付,进一步推动信用卡市场的增长。

    战略洞察

    信用卡市场驱动力

    信用卡需求不断增长,推动信用卡市场增长

    • 信用卡提供由于易于获得信贷、EMI 设施、激励措施和各种优惠,他们的需求在全球范围内不断增长。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 亿成年人名下拥有信用卡账户。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。
    • 不仅是发达国家,发展中国家的信用卡需求也在增长。印度储备银行 (RBI) 的报告显示,2023 年 4 月,印度基于信用卡的商户支付额约为 2.5 亿卢比。此外,该国的信用卡用户数量从 2023 年的 7.5 亿卢比增加到 2023 年的约 8.5 亿卢比。 2022年。
    • 因此,由于上述所有因素,全球范围内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业信用卡。预计通用信用卡细分市场将在 2023 年占据相当大的信用卡市场份额。
    • 通用信用卡细分市场预计也将在 2023 年占据相当大的信用卡市场份额。在预测期内保持最高的复合年增长率,特别是因为这张卡为用户提供了大量的独家奖励以及不同的福利。

    信用卡市场份额按地域分析

    信用卡市场范围主要分为五个地区:北美、欧洲、亚太地区、中东和非洲。非洲、南美洲。北美正在经历快速增长,预计将占据重要的信用卡市场份额。该地区拥有大量市场参与者,包括美国银行、美国运通、摩根大通和摩根大通。科,还有更多。此外,该地区正在见证信用卡的迅速普及。根据亚特兰大联邦储备银行的数据,77% 的美国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 年第三季度约有 4.41 亿人在美国开设了信用卡账户。因此,所有上述因素都在推动该地区市场的增长。

    信用卡市场报告范围

    “信用卡市场分析”是根据产品类型、服务提供商、应用程序和地理位置进行的。根据产品类型,市场分为通用信用卡和专业信用卡。根据服务提供商,信用卡市场分为 Visa、Mastercard 等。根据应用,市场分为食品和杂货、消费电子产品、健康和制药、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、中东和中东地区。非洲和南美洲。

    报告属性

    详情

    2023年市场规模< /span>

    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%

    实际数据< /strong>

    2021年  2023年

    预测时期

    2024年 – 2031年

    报告覆盖范围

    市场规模和预测(美元) )、市场驱动因素和趋势分析、PEST 分析、关键机会、区域和地区国家分析、竞争格局、公司概况

    涵盖的细分市场

    产品类型(通用信用卡和专用信用卡)、服务提供商(Visa、Mastercard 等)、应用(食品和杂货、、健康和药房、餐厅和酒吧、媒体和娱乐、旅游和其他)和地理

    覆盖地区< /span>

    北美、欧洲、亚太地区、南美洲、MEA

    涵盖的国家/地区

    美国;加拿大;墨西哥;英国;德国;法国、俄罗斯、意大利;中国;印度;日本、澳大利亚;韩国;巴西;阿根廷;沙特阿拉伯;阿联酋;南非

    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;巴克莱银行;汇丰银行;第一资本;摩根大通公司;万事达;美国航空航天局; SBI 卡和支付服务有限公司

    信用卡市场新闻和最新发展

    公司在信用卡市场采用无机和有机策略,例如并购。下面列出了近期的一些关键市场动态:

    • 2023 年 8 月,花旗全球财富推出了 ULTIMA 万事达信用卡,该卡面向全球花旗私人银行客户亚洲,包括香港和新加坡。该卡利用花旗的全面财富连续性,提供该银行领先的信用卡特许经营权的最佳优势,为亚洲的潜在和现有超高净值客户提供更好的服务

    [资料来源:花旗,公司网站]

    • 2021年7月,美国银行宣布推出Bank of America Unlimited Cash Rewards信用卡,客户可无限赚取1.5%现金返回所有购买。这张新信用卡是美国银行奖励卡系列中的最新产品,每张卡都旨在满足各种客户的需求。

    [资料来源:美国银行,公司网站]

    信用卡市场报告覆盖范围和可交付成果

    信用卡市场预测是根据各种二次和主要研究结果进行估计的,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 年和 2031 年)”提供了对以下领域的市场的详细分析 -

    • 市场规模和预测对范围内涵盖的所有关键细分市场进行全球、区域和国家层面的预测。
    • 市场动态,例如驱动因素、限制因素和关键机遇。
    • 主要未来趋势。
    • 详细的 PEST 和分析SWOT 分析
    • 全球和区域市场分析,涵盖主要市场趋势、关键参与者、法规和近期市场发展。
    • 行业格局和竞争分析,涵盖市场集中度、热图分析、关键参与者和近期发展。
    • 详细的公司简介。
  • 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.

    • Bank of America Corporation
    • American Express, Citigroup Inc.
    • Barclays
    • HSBC
    • Capital One
    • JPMorgan Chase & Co
    • Mastercard
    • USAA
    • SBI Cards and Payment Services Limited

    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.

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