U.S. Consumer Payments Outlook Through 2020

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from $3,996	172 Pages	Packaged Facts	May, 2017	LA5308678

Best Price Guarantee
Price	from $3,996
Length	172 Pages
Publisher	Packaged Facts
Published Date	May, 2017
SKU	LA5308678

Special offer: now 20% off original full report price

U.S. Consumer Payments Outlook Through 2020 provides trend-forward analysis of consumer payment usage, behavior and preferences; and shifts in usage, behavior and preferences over time. The report focuses on major consumer payment instruments and methods: cash, check debit cards, prepaid cards, credit cards, electronic/ACH, online and mobile payments and P2P and money transfers. Analysis is weighted toward market sizing and forecasting and trended survey analysis.

Executive Summary
- Report scope
- Report summary
  - U.S. payments value & volume: market size and forecast
  - U.S. consumer payments value & volume: market size and forecast
  - Consumer payment card market size
  - Key trends and observations
- Consumer Credit Card Payments
  - Consumer general-purpose credit card payment market size
  - Credit card usage forecast
  - A credit-based payment tool lagging only cash and debit in usage
  - Balances outstanding and number of cards trend downward
  - Subprime borrowers no longer a factor
  - Usage trends
  - Demographic trends
  - Usage trends over time
  - Usage frequency trends over time
  - Number of cards in wallet: trends over time
- Consumer Debit and Prepaid Card Payments
  - Debit card usage forecast
  - Debit card usage trends
  - Demographic trends
  - Usage trends over time
  - 2010-2016 usage trends by demographic
  - Cash and purchase usage and usage frequency trends
  - Prepaid card usage trends
- ACH Payments
  - ACH payments market size
  - ACH consumer payment market size
  - Online banking bill payment usage growth trends
  - Consumer bank account number payment usage growth trends
- Check Payments
  - Check payments market size
  - Consumer check payments
- Cash Payments
  - U.S. consumer cash payment value & volume: market size & forecast
  - Carrying cash
  - Cash withdrawal amounts
  - In important ways, cash remains king
  - Cash takes a hit but remains resilient
  - Small value payments
  - Cash less likely to be preferred payment instrument
  - Degree of using cash to pay for goods and services
  - Reasons for choosing cash over payment cards
  - Cash preferences: paying for purchases and bills
  - Influence of cash preference on payment cards, by type
  - Influence of cash preference on banking relationship and creditworthiness
- Online and Mobile Payments
  - Remote payment growth rate twice the in-person payment rate
  - Online purchasing usage penetration growth slowing down
  - Online and mobile purchase frequency trends
  - Credit cards the online payment method of choice; PayPal firmly established
  - Phone/mail payment usage methods see check declines
  - Bill payment methods used: trends over time
  - Form of payment used to pay bills: trends over time
  - Mobile wallet funding method
  - Mobile wallet payment entry method
- P2P and money transfer
  - P2P and money transfer usage methods: trends over time
  - Bank-driven P2P and Instant P2P payment: usage and interest
Market Size and Forecast
- U.S. payments value & volume: market size and forecast
  - Payments value and volume: 2012-2020
    - Table U.S. Payments Value, 2012-2020
    - Table U.S. Payments Value: CAGR and Total Growth Rate, 2012-2015 and 2015-2010
    - Table U.S. Payments Volume, 2012-2020
    - Table U.S. Payments Volume: CAGR and Total Growth Rate, 2012-2015 and 2015-2010
- U.S. consumer payments value & volume: market size and forecast
  - Consumer payments value and volume: 2012-2020
    - Table Consumer Payments Value, by Payment Instrument, 2012-2016
    - Table Consumer Payments Value, by Payment Instrument, 2016-2020
    - Table Consumer Payments Volume, by Payment Instrument, 2012-2016
    - Table Consumer Payments Volume, by Payment Instrument, 2016-2020
- Consumer payment card market size
  - Consumer general-purpose card payment value: 2012-2016
  - Consumer payment value by card type
    - Table Consumer General-Purpose Card Payment Value: Credit vs. Debit/Prepaid, 2012-2016
  - Consumer payment value by card association
    - Table Consumer General-Purpose Card Payment Value, by Payment Network Brand, 2012-2016
- Key trends and observations
  - eCommerce & Mobile
    - Table U.S. Retail Sales: Total and eCommerce, 2007-2016
    - Table U.S. Retail Sales Forecast: Total and eCommerce, 2016-20
  - Traditional accounts remain bedrock
    - Table Checking and Savings Account Ownership, 2007-2016
  - Traditional and emerging accounts and payment instruments blurring
    - Table Traditional and Emerging Accounts and Payment Instruments: Usage by Type and Demographic, 2016
  - Large-value payments
Consumer Credit Card Payments
- Consumer general-purpose credit card payment market size
  - Table Consumer General-Purpose Credit Card Payment Value, by Payment Network Brand, 2012-2016
  - Visa takes share; American Express lags
    - Table Consumer General-Purpose Credit Card Payment Value, by Payment Network Brand, 2012-2016
- Credit card usage forecast
  - Table Active General-Purpose Credit Card Usage: Percentage Use and Population, 2007-2016
  - Table Active General-Purpose Credit Card Usage: Percentage Use and Population, 2016-2020
- Credit card trends
  - A credit-based payment tool lagging only cash and debit in usage
    - Table Consumer Credit Card Payments: Monthly Payment Volume, by Payment Type, 2012-2014
  - Balances outstanding and number of cards trend downward
    - Table Credit Cards: Cards Outstanding, Users, and Balances, 2008 vs. 2016
    - Table American Express Credit Card Users: Portion of Monthly American Express Bill Paid, 2007-2016
    - Table Discover Credit Card Users: Portion of Monthly Discover Bill Paid, 2007-2016
    - Table MasterCard Credit Card Users: Portion of Monthly MasterCard Bill Paid, 2007-2016
    - Table Visa Credit Card Users: Portion of Monthly Visa Bill Paid, 2007-2016
  - Subprime borrowers no longer a factor
    - Table Credit Card Usage, by Credit Score, 2007-2015
    - Table Net Credit Limit Extensions and Reductions, by Credit Score, 2007-2015
- Usage trends
  - Table Credit Card Usage Penetration, 2008-2014
  - Table Credit Card Usage, by Type, 2007-2016
  - Demographic trends
    - Table Credit Card Usage Penetration, by Age, 2009 vs. 2013
    - Table Credit Card Percent Usage Volume: Share of Consumer Payments, by Age, 2009 vs. 2013
    - Table Credit Card Usage Penetration, by HH Income, 2009 vs. 2013
    - Table Credit Card Percent Usage Volume: Share of Consumer Payments, by HH Income, 2009 vs. 2013
  - 2007-2016 trends
    - Table Credit Card Usage, by Type and Brand, 2007-2016
    - Table Credit Card Usage in Last 30 Days, by Type and Brand, 2007-2016
  - 2010-2016 demographic trends
    - Table General-Purpose Card Usage in Last 30 Days, by Demographic, 2010 vs. 2016
- Usage frequency trends
  - Table Credit Card Monthly Use and Monthly Usage Frequency Share, 2007-2016
  - Table General-Purpose Credit Card Monthly Use and Monthly Usage Frequency Share, 2007-2016
  - Table Department Store Credit Card Use and Monthly Usage Frequency Share, 2007-2016
  - Demographic trends
    - Table General-Purpose Credit Card Use and Monthly Usage Frequency, by Age, 2010 vs. 2016
    - Table General-Purpose Credit Card Use and Monthly Usage Frequency, by HH Income, 2010 vs. 2016
- Number of cards in wallet: trends over time
  - Table Percent of Adults Having General-Purpose Credit Cards and Share by Number of Cards, by Brand, 2007-2016
  - Table MasterCard and Visa Credit Card Usage Share, by Demographic, 2010 vs. 2016
  - Table American Express and Discover Credit Card Usage Share, by Demographic, 2010 vs. 2016
Consumer Debit and Prepaid Card Payments
- Consumer general-purpose debit & prepaid card payment market size
  - Table Consumer General-Purpose Debit & Prepaid Card Payment Value, by Payment Network Brand, 2012-2016
  - Visa dominates
    - Table Consumer General-Purpose Debit & Prepaid Card Payment Value, by Payment Network Brand, 2012-2016
- Debit card usage forecast
  - Table Active General-Purpose Debit Card Usage: Percentage Use and Population, 2007-2016
  - Table Active General-Purpose Debit Card Usage: Percentage Use and Population, 2016-2020
- Debit card trends
  - A core payment tool for bills and non-bills
    - Table Consumer Debit Card Payments: Monthly Payment Volume, by Payment Type, 2012-2014
- Usage trends
  - Table Debit Card Usage Penetration, 2008-2014
  - Table Debit Card Usage, by Type, 2007-2016
  - Demographic trends
    - Table Debit Card Usage Penetration, by Age, 2009 vs. 2013
    - Table Debit Card Percent Usage Volume: Share of Consumer Payments, by Age, 2009 vs. 2013
    - Table Debit Card Usage Penetration, by HH Income, 2009 vs. 2013
    - Table Debit Card Percent Usage Volume: Share of Consumer Payments, by HH Income, 2009 vs. 2013
  - 2007-2016 trends
    - Table Debit Card Usage, by Type and Brand, 2007-2016
    - Table Debit Card Usage in Last 30 Days, by Type and Brand, 2007-2016
  - 2010-2016 demographic trends
    - Table Used Debit Card in Past 30 Days: ATM-Only and General-Purpose Debit Card Usage Share, by Demographic, 2010 vs. 2016
  - Cash and purchase usage and usage frequency trends
    - Table MasterCard & Visa Debit Card Usage Frequency in Last 30 Days: Total Transactions, 2010-2016
    - Table MasterCard & Visa Debit Card Usage Frequency in Last 30 Days: Purchase Transactions, 2010-2016
    - Table MasterCard & Visa Debit Card Usage Frequency in Last 30 Days: Cash Transactions, 2010-2016
    - Table ATM-Only Debit Card Usage & Usage Frequency in Last 30 Days, 2010-2016
- Prepaid card usage trends
  - 2010-2016 trends
    - Table Prepaid Card Usage, by Type and Brand, 2010-2016
    - Table Prepaid Card Usage, by Brand, 2010-2016
  - 2010-2016 demographic trends
    - Table Prepaid Card Use by Brand and Demographic, 2010 vs. 2016
    - Table Prepaid Card Use by Brand and Demographic, 2010 vs. 2016
ACH Payments
- ACH payments market size
  - Payments value: 2012-2020
    - Table U.S. ACH Payments Value and Volume, 2012-2020
  - Credit vs. debit transfers
  - Network operator vs. on-us transactions
    - Table ACH Payment Value and Volume: Network, On-Us, Credit and Debit, 2012 vs. 2015
- ACH consumer payment market size
  - Network ACH payments value and volume: 2012-2020
    - Table ACH Payments: Value and Volume, 2009-2016
  - Consumer ACH payments value and volume: 2012-2020
    - Table ACH Consumer Payments: Value and Volume, 2009-2016
  - Market size: Consumer ACH direct deposit payments
    - Table ACH Direct Deposit, Value and Volume, 2009-2016
  - Market size: Consumer ACH online banking bill payments
    - Table ACH Online Banking Bill Payment, Value and Volume, 2009-2016
  - Market size: Consumer ACH payments initiated online vs. telephone
    - Table ACH Telephone and Web Payment, Value and Volume, 2009-2016
- Online banking bill payment usage growth trends
  - Table Consumer Online Banking Bill Payments: Monthly Payment Volume, by Payment Type, 2012-2014
- Consumer bank account number payment usage growth trends
  - Table Consumer Bank Account Number Payments: Monthly Payment Volume, by Payment Type, 2012-2014
Check Payments
- Check payments market size
  - Table Check Value and Volume: Checks Written, Converted to ACH and Payments, 2012 vs. 2015
  - Consumer check payments: Still broadly used but with low-and lesser-frequency
    - Table Consumer Check Payments: Monthly Payment Volume, by Payment Type, 2012-2014
- check payments
  - Federal Reserve data sets the stage
  - Trended consumer survey analysis suggests steady, consistent decline
    - Table Percent of Bill Payers Who Use Checks: Always, Sometimes and Never, 2010-2016
  - Demographic analysis
    - Table Bill Payers Who Always Use Checks: Indexed Usage, by Demographic, 2016
Cash Payments
- U.S. consumer cash payment value & volume: market size & forecast
  - Table U.S. Consumer Cash Payments Value and Volume, 2012-2020
- Carrying and withdrawing cash
  - Cash in circulation: big bill boom
    - Table Currency in Circulation: Value and Value Share, by Denomination, 2007-2016
  - Carrying cash
  - Cash withdrawal amounts higher than credit card and debit card payment value
    - Table Number and Value of ATM Withdrawals at Depository Institutions, by Withdrawal Type, 2003-2015
- In important ways, cash remains king
  - Table Consumer Cash Payments: Monthly Payment Volume, by Payment Type, 2012-2014
  - Cash takes a hit but remains resilient
  - Breadth of merchant use
  - Small value payments
- The cash user
  - Cash less likely to be preferred payment instrument
  - Who loves cash?
  - Degree of using cash to pay for goods and services
    - Table Degree of Using Cash to Pay for Goods and Services, 2016
    - Table Degree of Using Cash to Pay for Goods and Services, by Demographic, 2016
  - Reasons for choosing cash over payment cards
    - Table Reasons for Choosing Cash over Payment Cards, 2016
    - Table Reasons for Choosing Cash over Payment Cards, by Demographic, 2016
    - Table Reasons for Choosing Cash over Payment Cards, by Frequency of Cash Use, 2016
  - Cash preferences: paying for purchases and bills
    - Table Degree of Preference for Paying with Cash, by Demographic, 2010 vs. 2016
    - Table Degree of Preference for Using Cash to Pay Bills, by Demographic, 2016
  - Influence of cash preference on payment cards, by type
    - Table Relationship of Cash Preferences to Credit Card Usage, 2016
    - Table Relationship of Cash Preferences to Debit Card Purchase and Cash Usage, 2016
    - Table Relationship of Cash Preferences to Reloadable and Non-Reloadable Prepaid Card Usage, 2016
  - Influence of cash preference on banking relationship and creditworthiness
    - Table Relationship of Cash Preferences to Banking Relationship and Types of Loans Used, 2016
    - Table Relationship of Cash Preferences to Credit Score, 2016
Online and Mobile Payments
- Remote payment growth rate twice the in-person payment rate
  - Table General-Purpose Card Payments Volume and Value: In-Person vs. Remote, 2012-2015
- Payment method usage trends
  - Online purchasing usage penetration growth slowing down
    - Table Payment Methods: Online vs. Phone or Mail, 2014-2016
  - Online and mobile purchase frequency trends
    - Table Purchases Made Last 30 Days: Online Purchase Frequency and Mobile Purchases, 2010-2016
  - Credit cards the online payment method of choice; PayPal firmly established
    - Table Online Payment Methods Used, by Type, 2014-2016
  - Phone/mail payment usage methods see check declines
    - Table Phone/Mail Payment Methods Used, by Type, 2014-2016
- Bill payment trends
  - Bill payment methods used: trends over time
    - Table Bill Payment Methods Used, 2010-2016
  - Form of payment used to pay bills: trends over time
    - Table Bill Payments: Form of Payment Always Used, 2010-2016
    - Table Bill Payments: Form of Payment Sometimes Used, 2010-2016
    - Table Bill Payments: Form of Payment Never Used, 2010-2016
- Mobile wallets
  - Mobile wallet funding method
  - PayPal: funding method disruptor
  - Mobile wallets also potential funding method disruptors
    - Table Mobile Wallet Funding Method and Preferred Funding Method, 2016
  - Mobile wallet payment entry method
    - Table Mobile Phone Purchasing: Payment Entry Method and Preferred Method, 2016
P2P and money transfer
- P2P and money transfer usage methods: trends over time
  - Table Sending/Receiving Money: Methods Used, 2010-2016
  - Bank-driven P2P usage and interest
    - Table Bank Account with P2P Functionality: Usage and Interest, by Demographic, 2016
  - Instant P2P payment usage and interest
    - Table Instant Electronic P2P Usage and Interest, by Demographic, 2016
Appendix
- Consumer survey methodology
- Market size and forecast methodology
  - Consumer payments market size and forecast
- Population estimates
- Table indexes
- Key sources
- Terms and definitions
  - Table Report Abbreviations
  - Table Market-Based PCE, 2007-2016
- Tables
  - Table Consumer Payment Instruments: Monthly Usage Penetration, 2010-2014
  - Table Consumer Payments Made in Typical Month, by Payment Instrument, 2010-2014