Prepaid and Gift Cards in the U.S., 5th Edition

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Published Sep 19, 2016 | 174 Pages | Pub ID: LA5916750

Prepaid and Gift Cards in the U.S., 5th Edition

Prepaid cards continue to expand their occasions for use, further penetrating existing market segments while pursuing new ones. While consumer general-purpose prepaid cards and open-loop gift cards continue to gather steam, they are just two of several card segments exhibiting positive growth momentum. While regulatory smoke may cloud the view, Packaged Facts expects prepaid market growth to handily outpace that registered by credit card and debit cards. The retail space, dominated by smaller bank issuers, provides room for pricing latitude; while payroll and government-administered cards allow national banks to flex their scale muscle. In aggregate, prepaid cards are helping cash-using consumer holdouts to transact electronically, even while demographics have broadened to include a higher proportion of banked users.

Market Trends and Opportunities

Prepaid and Gift Cards in the U.S. provides industry participants with a wealth of insights to help them navigate this quickly changing and growing market: The report:
  • Provides a market size and forecast for the prepaid card market, including trended purchase volume for general use (open-loop) and private label (closed-loop) prepaid cards, by type; a market size for government-administered prepaid cards, by type; and for gift cards, by occasion and retailer card type and by consumer vs. employee dollar value.
  • Identifies and interprets key prepaid usage metrics, including cardholder usage costs, monthly spend, monthly purchase, ATM withdrawal, and reload transactions, and length of card ownership. It also assesses the degree that direct deposit and HH income influences these above metrics.
  • Gauges (reloadable and non-reloadable) prepaid card and gift card usage trends during 2011-2016, breaking prepaid card usage down by card network; banked status; remittance, debit card and credit card use; cash and money order bill payment usage; bill payment preferences; credit score; and mobile payment method.
  • Assesses general-purpose reloadable prepaid card usage rationales across five categories: online and in-store purchases; P2P, bill payment and check writing; discounts and rewards; financial management features; and finding, deposit and transfer methods.
  • Studies reasons for choosing general-purpose reloadable prepaid cards, including usage cost; overdraft fee avoidance and debt management; credit and bank account substitution; breadth of acceptance; and reloading method.
  • Ranks general-purpose reloadable prepaid cards used and used most by card brand, segmented by direct deposit use; and prepaid cards by network brand, segmented by banked status and credit score.
  • Explores prepaid card marketer and issuer strategies, including American Express, Blackhawk Network, Bofl Holding, The Bancorp Bank, Green Dot, MetBank and NetSpend. Analysis includes competitive positioning, new product introductions, company innovations, and trended performance analysis. Heavy emphasis is placed on add-value proprietary estimates for gross dollar volume and other metrics otherwise not published by included industry participants.
  • Explores a variety of prepaid card industry challenges and solutions, including regulatory issues, pricing and profit factors, broadening the target audience, bank account competition, and fraud.

  • $3,736.00 Included
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    • $3,545.00 Included
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      $454.00 Included

  • $1,609.00 Included

    • $513.00 Included
      •   U.S. Prepaid Card Market Size and Forecast, 2012-2018

      • $273.00 Included
        •   U.S. Open-Loop Prepaid Card Market Size and Forecast, by Type, 2012-2018

      • $136.00 Included
        •   U.S. Closed-Loop Prepaid Card Market Size and Forecast, by Type, 2012-2018

    • $960.00 Included

      • $585.00 Included
        •   Government Benefit Payment Disbursements: EBT vs. Prepaid Card, by Federal and State/Local Program and Program Type, 2012-2015
        •   Government Benefit Payments Disbursed Via Prepaid Card: Federal vs. State/Local Programs, 2012-2015
        •   State Benefit Payments Programs Offering Prepaid Card Disbursement Option, 2014-2015
        •   Unemployment Insurance Prepaid Card Usage, by State, Issuer and Card Network, 2016

      • $172.00 Included
        •   Comerica Incorporated: Government Prepaid Card Deposits, State vs. Federal, 2011-2016

      • $112.00 Included
        •   Government-Administered Prepaid Card Purchase Volume and Interchange Fees, 2012-2015

    • $135.00 Included

      • $134.00 Included
        •   Spending on Gift Cards: Dollar Share: Giving to Others, by Occasion; Giving to Self; and Receiving from Employer, 2016

  • $2,140.00 Included
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      $103.00 Included

    • $465.00 Included
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        $93.00 Included

    • $477.00 Included
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        $96.00 Included
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        $93.00 Included

      • $291.00 Included
        •   Tax Services and Prepaid Card Brands, 2016

    • $204.00 Included
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        $141.00 Included

    • $712.00 Included
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        $96.00 Included
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        $162.00 Included
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        $394.00 Included
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  • $1,180.00 Included

    • $196.00 Included

      • $195.00 Included
        •   Percentage Use of General-Purpose Prepaid Cards: Reloadable and Non-Reloadable, 2013-2016
        •   Percentage Use of General-Purpose Prepaid Cards, by Card Network Brand, 2013-2016

    • $252.00 Included
      •   Percentage Use of Reloadable Prepaid Cards, by Gender, Age, HH Income and Race/Ethnicity: 2014 vs. 2016
      •   Percentage Use of Reloadable Prepaid Cards, by Banked Status, Bank Usage Status, Credit Card/Debit Card Users, Car Title Loan Users, Smartphone Users and Remitters: 2014 vs. 2016
      •   Percentage Use of Reloadable Prepaid Cards, by Cash and Money Order Bill Payment Preference: 2014 vs. 2016

    • $93.00 Included
      •   Vantage Score Segmentation: Reloadable Prepaid Card Users and Non-Users, 2016

    • $629.00 Included

      • $417.00 Included
        •   Banked, Fully Banked, Underbanked and Unbanked: Reloadable Prepaid Card Users and Non-Users, by HH Income, 2015
        •   Reloadable Prepaid Card Users and Non-Users: Share of Banked, Fully Banked, Underbanked and Unbanked, by HH Income, 2015
        •   Banked, Fully Banked, Underbanked and Unbanked: Reloadable Prepaid Card Users and Non-Users, by Age, 2015
        •   Banked, Fully Banked, Underbanked and Unbanked: Reloadable Prepaid Card Users and Non-Users, by Race/Ethnicity, 2015

      • $93.00 Included
        •   Remitters, by Reloadable Prepaid Card Use and Demographic, 2015

      • $111.00 Included
        •   Mobile Payment Method, by Type: Reloadable Prepaid Card Users and Non-Users, 2016

    • $93.00 Included
      •   Bill Payment Preferences, by Type: Reloadable Prepaid Card Users and Non-Users, 2016

  • $839.00 Included

    • $455.00 Included

      • $93.00 Included
        •   Reloadable General-Purpose Prepaid Card Features Used and Used Most: Online and In-Store Purchases, by HH Income, 2016

      • $100.00 Included
        •   Reloadable General-Purpose Prepaid Features Used and Used Most: P2P, Bill Payment and Check Writing, by HH Income, 2016

      • $93.00 Included
        •   Reloadable General-Purpose Prepaid Card Features Used and Used Most: Discounts and Rewards, by HH Income, 2016

      • $105.00 Included
        •   Reloadable General-Purpose Prepaid Card Features Used and Used Most: Financial Management Features, by HH Income, 2016

      • $129.00 Included
        •   Reloadable General-Purpose Card Features Used and Used Most: Funding, Deposit and Transfer Methods, by HH Income, 2016

    • $382.00 Included

      • $123.00 Included
        •   Reloadable General-Purpose Prepaid Card Users: Cost Factors Important to Choosing Card, by HH Income and Direct Deposit Status, 2016

      • $124.00 Included
        •   Reloadable General-Purpose Prepaid Card Users: Usage Factors Important to Choosing Card, by HH Income and Direct Deposit Status, 2016

      • $133.00 Included
        •   Reloadable General-Purpose Prepaid Card Users: Importance of Credit Quality & Credit Card and Bank Account Substitute When Choosing Card, by HH Income and Direct Deposit Status, 2016

  • $618.00 Included

    • $262.00 Included
      •   Percentage Use of Prepaid Cards, by Card Network, 2013-2016

      • $93.00 Included
        •   Prepaid Card User Share, by Network Brand: Gender, Age, HH Income and Race/Ethnicity, 2016

      • $93.00 Included
        •   Prepaid Card User Share, by Network Brand: Banked Status, Bank Usage Status, Credit Card/Debit Card Use and VantageScore Segment, 2016

    • $355.00 Included

      • $353.00 Included
        •   Reloadable Prepaid Cards: Use and Use Most, by Card Marketer, 2016
        •   Prepaid Cards: Use and Use Most, by HH Income and Card Marketer, 2016
        •   Prepaid Cards: Use Most, by Direct Deposit Status and Card Marketer, 2016

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      $93.00 Included

    • $93.00 Included
      •   Reloadable Prepaid Card Reload, ATM Withdrawal, Direct Deposit and Purchase Metrics, 2016

    • $93.00 Included
      •   Reloadable Prepaid Card Reload, ATM Withdrawal, Direct Deposit and Purchase Metrics, by HH Income, 2016

    • $128.00 Included
      •   Reloadable Prepaid Card Reload, ATM Withdrawal, Direct Deposit and Purchase Metrics, by Direct Deposit Status, 2016

  • $1,132.00 Included

    • $248.00 Included

      • $119.00 Included
        •   Spending on Gift Cards: Dollar Share: Giving to Others, by Occasion; Giving to Self; and Receiving from Employer, 2016

      • $129.00 Included
        •   Spending on Gift Cards for Others: Dollar Share, by Demographic, 2016
        •   Spending on Gift Cards for Self: Dollar Share, by Demographic, 2016

    • $533.00 Included
      •   U.S. Adult Gift Card Purchases: Percent Purchasing, by Retail Segment & Card Brand, 2011-2016
      •   U.S. Adult Gift Card Purchases: Dollar Value, by Retail Segment & Card Brand, 2011-2016
      •   U.S. Adult Gift Card Purchases: Per-Person Dollar Value, by Retail Segment & Card Brand, 2011-2016

    • $137.00 Included
      •   Rationales for Giving Gift Cards to Others, 2016

    • $211.00 Included
      •   Gift Card Distribution, Redemption and Mobile Wallet and Payment Usage, 2016

      • $121.00 Included
        •   Gift Card Distribution, Redemption and Mobile Wallet and Payment Usage, by Gender, Age and HH Income, 2016

  • $4,780.00 Included

    • $429.00 Included
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        $201.00 Included

      • $137.00 Included
        •   American Express: Travelers Check and Prepaid Product Metrics, 2011-2015

    • $1,162.00 Included
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        $115.00 Included

      • $178.00 Included
        •   Blackhawk Network Holdings: Retail Distribution Locations, Retail Distribution Partners and Content Partners, U.S. and International, 2013-2015
        •   Blackhawk Network Holdings: Revenue by Major Distributor and Content Provider, 2012 vs. 2015

      • $125.00 Included
        •   Blackhawk Network Holdings: Digital Share of Transaction Dollar Volume, 2012-2015

      • $93.00 Included
        •   Blackhawk Network Holdings: Revenue from Open-Loop Products and MetaBank, 2013-2015

      • $188.00 Included
        •   Blackhawk Network Holdings: Incentives & Rewards Acquisition History ,2013-2016

      • $444.00 Included
        •   Blackhawk Network Holdings: Revenue by Segment, 2012-2015
        •   Blackhawk Network Holdings: Transaction Dollar Volume, Transactions and Average Value, by Segment, 2012-2015
        •   Blackhawk Network Holdings: U.S. Transaction Dollar Volume, by Segment and Product, 2012-2015
        •   Blackhawk Network Holdings: U.S. Revenue by Segment and Product Type, 2012-2015
        •   Blackhawk Network Holdings: U.S. Revenue Share by Segment and Product Type, 2012-2015

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      • $147.00 Included
        •   H& R Block Emerald Card and Refund Transfer Revenue; Emerald Advance Revenue and Balances, 2012-2016
        •   H& R Block Emerald Card: Per Card Deposits and Revenue, 2012-2016

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        $98.00 Included

      • $161.00 Included
        •   The Bancorp: Prepaid Cards Issued, by Brand, Program Manager and Card Network, 2016

      • $254.00 Included
        •   The Bancorp: Active Cards, Gross Dollar Volume, and Gross Dollar Volume per Card, 2011-2015
        •   The Bancorp: Card- and Deposit-Related Income, by Type, 2011-2015
        •   The Bancorp: Per Card Prepaid Fees, 2011-2015

    • $1,770.00 Included

      • $159.00 Included
        •   Green Dot Inc. Product Introductions and Initiatives, 2013-2016

      • $335.00 Included
        •   Green Dot Inc.: Prepaid Cards Issued, by Brand, 2016
        •   Green Dot Inc.: Product Revenue, by Segment, 2015

      • $370.00 Included
        •   Green Dot Inc. Product Distribution Channels, 2016
        •   Walmart and Other Retailer Share of Green Dot Revenue, 2011-2015

      • $687.00 Included
        •   Green Dot Prepaid Card Trends: Active Cards, Reloads, Gross Dollar Value, Purchase Value and Deposits, 2011-2015
        •   Green Dot Prepaid Trends Per Active Card: Reloads, Gross Dollar Value, Purchase Value and Deposits, 2011-2015*
        •   Green Dot Direct Deposit as Percent of Gross Dollar Value, Q2 2014-2016
        •   Green Dot Direct Deposit as Percent of Active Cardholders, 2013, 2015 and 2016
        •   Green Dot Gross Dollar Value and Active Cards: Direct Deposit Share, Q1 2015 vs. Q1 2016
        •   Green Dot Prepaid Trends: Average General-Purpose Reloadable Card Lifetime, 2011-2015

      • $161.00 Included
        •   Green Dot Operating Revenue Trends: Card/Fee, Cash Transfer and Interchange, 2011-2015

    • $545.00 Included
      •   Meta Financial: Acquisitions and Partnerships, 2015-2016

      • $344.00 Included
        •   MetaBank: Prepaid Cards Issued, by Brand, Program Manager and Card Network, 2016
        •   MetaBank: Card Fees, Interchange Fees, and Prepaid Card Deposits and GDV, 2011-2015
        •   MetaBank: Prepaid Card GDV, by Segment, 2011-2015

    • $785.00 Included

      • $256.00 Included
        •   Total System Services: Accounts on File, by Type, 2011-2015

      • $148.00 Included
        •   NetSpend: Revenue Share, by Distribution Channel: 2011-2014

      • $119.00 Included
        •   NetSpend Prepaid Card Programs, by Type, Issuer and Card Network, 2016

      • $211.00 Included
        •   NetSpend: Revenue, Active Cards, and Gross Dollar Volume, by Direct Deposit, 2011-2015

  • $733.00 Included
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      $605.00 Included

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