Abstract
Stored value cards have spread across North America like wildfire. That
transformation is occurring faster and to a greater degree than credit cards
altered forever the payments' industry's landscape over 20 years ago. The
startling fact is, it's still early into the stored value revolution. The
changes yet to come, the opportunities yet to be realized, are literally
unprecedented.
Originally introduced to include the 50 million Americans that don't have
access to credit and banking facilities, stored value in the form of flexible
spending accounts and incentive and promotions cards have gone mainstream.
The implications reverberate across industry segments. Estimates suggest
stored value transactions could exceed $2 trillion in just a few years. A $2
trillion opportunity... but also a daunting challenge as existing players
struggle to shift from one mode of transaction to another. And make no mistake
new players ARE targeting this vast potential. Who are they and what do
they bring to the table? What market segments will they pursue, and why?
Which strategies will prevail? What are the emerging market forces that
threaten to disrupt stored value's arc? How will the various market metrics
stack-up in terms of potential, application penetration, and revenue realized?
What are the variables governing growth in each segment, and just what is at
stake in each?
In its largest and most penetrating study to date on stored value, The PELORUS
Group offers a compelling case as to which market segments will ultimately
prove most profitable, what disruptive technologies and alternatives may
emerge to challenge the rise of stored value, and offers some clues as to who
the real winners in this high stakes game will be. Nobody studies the
emerging stored value market more consistently or passionately than The
PELORUS Group. For three decades we've been a leader in identifying,
analyzing and projecting forward where the different prepaid markets are
headed, as well as what the ramifications to industry participants will be.
Our thought-provoking assessments are hailed as cogent exercises in realistic
market valuations. Organizations around the world tap into our expertise.
Simply put: "Stored Value: New Markets, New Growth" is a report unprecedented
in both its depth and strategic perspective.
The PELORUS Group's"Stored Value: New Markets, New Growth"isolates and analyzes:
- What the hottest applications are today, by segment;
- The strategies, markets pursued and prospects are for close to 50 players;
- The impact of new and potentially disruptive technologies on the stored
value phenomenon;
- Why banking institutions are beginning to embrace stored value;
- The benefits of stored value compared to cash, checks and other
paper-based systems;
- The features of prepaid debit cards and convenience/gift cards;
- Emerging multi-modal and multi-value payment cards;
- Breakouts of key demographics and the criteria and motivations that
governs each;
- Major market drivers -- today's and tomorrow's;
- Why the retail sector poses such a large threat to financial services
concerns;
- Cost comparisons of stored value cards and credit cards;
- The long term threat posed by alternative payment services;
- Technology, standards, and regulation how each is changing;
- Granular volume and revenue forecasts for major addressable market
segments to the year 2010!
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