RAM Reports Overview for the U.S Payments 2020 Edition Covering the Historical Quarterly and Projected Annually Period of 2015 Thru 2025.

RAM Reports Overview

U.S. Major Payments Networks & Issuers Market Analysis, Performance & Trends – Quarterly Review (2015-2019) and Annual Historical & Forecast (2015-2025) Author: Robert McKinley Release Date: 03/15/20 Distribution: Global

UPDATE: DELAYED TO 03/24/20 TO RE-FORECAST COVID-19 IMPACT

RAM Reports Overview

This report presents the operating performance, critical metrics, market dynamics and growth potential of the U.S. payment card market, including credit cards, charge cards, debit cards and prepaid cards.

The report carefully evaluates the historical performance patterns on a quarter-by-quarter basis for the past five years. Annual historical performance of the past five years is reviewed and coupled with a five year forecast. Performance data are presented individually and by peer group.

Key Developments

The report primarily focuses peer group and individual performance metrics for the four major U.S.-based payment card networks, four largest U.S. bank payment card portfolios, and the two hybrid network/issuers. Additionally, coverage of the 50 largest U.S. issuers and Top 100 banks, based on assets, collectively representing more than 80% of the U.S. payment card market.

Through 344 exhibits including more than 5,000 data points in 400+ pages you will discover:

*  U.S. payment networks will post purchase volumes below an 8% CAGR (Compound Annual Growth Rate) for the next four years

*  U.S. card issuers will face average delinquency ratios climbing above 3% for the next three years

*  U.S. top issuers will report eroding average yields of less than 12% for the next five years

* U.S. consumer Debt Service Ratio will trend upward by 40 bps over the next two year.

Table of Contents

Key Survival Tactics

The 43 commentary/analysis reports review and recommend actionable plans for: 

* Voluntary attrition, involuntary attrition, average tickets, portfolio segmentation by credit score and product type, reward redemption rates, etc.

Portfolio segmentation by credit score and product type, reward redemption rates, fee development, demographics, new products and services, mobile apps and emerging payment technology.

Who Benefits Most

This report is invaluable to card product managers, risk management executives, product development staff, and high level payment executives as it uniquely provides a quarterly examination of all critical operating performance measurements, individually and peer group. 

The report is also invaluable to U.S. based payment companies but also other quickly maturing payment markets in Europe and Asia.

Executive Summary

Critical Portfolio Metrics

Early stage delinquency

Late stage delinquency

Charge-offs

Loan-loss reserves

Yield

Marketshare 

Profit/Loss 

Outstandings

Gross volume 

Purchase volume 

Open accounts, 

Active accounts, 

Cards-in-force

Gross Transactions

Purchase Transactions

Cash Transactions

Pricing

Companies

Featured: Visa, Mastercard, American Express, Discover, Chase, Capital One, Bank of America, and Citibank

Referenced Companies:

1st Financial Bank USA (SD)

Alliance Data Systems (OH)

America First Credit Union (UT)

Bank of the West (CA)

Barclays Bank (DE)

BBVA (AL)

BECU (WA)

BMO Harris Bank (IL)

Bryant State Bank (SD)

Celtic Bank (UT)

Commerce Bank (IL)

CorTrust Bank (SD)

Credit One Bank (NV)

Credit Shop Inc. (TX)

Digital Federal Credit Union (MA)

First Citizens Bank (NC)

First National Bank (SD)

First National Bank of Omaha (NE)

First Savings Bank (SD)

Fifth Third Bank (OH)

Golden1 Credit Union (CA)

HSBC Bank USA N.A. (MD)

Huntington National Bank (OH)

KeyBank (OH)

M&T Bank (NY)

Merrick Bank/Ally Bank (UT/DE)

Mountain America Credit Union (NV)

MUFG Union Bank (NY)

Navy Federal Credit Union (VA)

Pentagon Federal Credit Union (VA)

Pennsylvania State Employees Credit Union (PA)

PNC Bank N.A. (PA)

PREMIER Bankcard (SD)

Randolph-Brooks Federal Credit Union (TX)

RBC Citizens Bank N.A. (RI)

Regions Bank (AL)

SchoolsFirst Federal Credit Union (CA)

Security Service Federal Credit Union (TX)

State Employees Credit Union (NC)

State Farm Bank (IL)

Suncoast Credit Union (FL)

Synchrony Financial (CT)

TAB Bank (UT)

TCM Bank (FL)

TD Bank USA (NJ)

The Bank of Missouri (MO)

Truist Bank (NC)

UMB Bank (MO)

USAA Savings Bank (TX)

U.S. Bank (MN)

WebBank (SD)

Wells Fargo & Company (CA)

Zions Bank (UT)

Companies

Request a Sample

OTHER RELATED SERVICES:

PYRPTS (global payment reports)

PYVNTS (global payment events)

CardBuzz (published payment news)

Bankcenter (payment news releases)

CardWeb (payment information network)

CardFlash (payment executive news)

CardTrak (consumer payment news)

CardData (quarterly payment data)

Ruebud Media (multi-media services)

Red3 Media (inbound marketing services)

Robear’s List (fintech patent services)

Robert McKinley (payments analyst)

RAM Research® Serving The Financial Services Community Since 1986