預付費卡市場統計數據2025：主要參與者，創新和區域見解

本文深入研究了定義預付費卡市場的關鍵統計和趨勢。

Prepaid cards have become increasingly popular in recent years, as they offer a convenient and flexible way to manage money. They are also a valuable tool for financial inclusion, as they can provide access to financial services for those who may not have a bank account.

近年來，預付費卡已經變得越來越受歡迎，因為它們提供了一種方便，靈活的管理資金方式。它們也是金融包容性的有價值的工具，因為它們可以為可能沒有銀行帳戶的人提供財務服務。

In 2024, the global prepaid card market is expected to reach $5.5 trillion, highlighting the significant role prepaid cards play in the modern financial landscape. This article will provide an overview of some of the key statistics and trends in the prepaid card industry.

2024年，全球預付費卡市場預計將達到5.5萬億美元，強調了預付費卡在現代金融景觀中的重要角色。本文將概述預付費卡行業的一些關鍵統計和趨勢。

>Editor’s Choice: Key Prepaid Card Statistics

>編輯的選擇：密鑰預付卡統計信息

The prepaid card industry is evolving rapidly, driven by innovative technology, expanding consumer demographics, and its role as a financial inclusion tool. With a projected $5.5 trillion global market value by 2024, prepaid cards are no longer just a payment alternative—they are a cornerstone of the modern financial ecosystem. From empowering the unbanked to offering convenience for travelers and businesses, prepaid cards are reshaping how we manage money. As the landscape continues to expand, stakeholders across industries can leverage these trends to stay ahead.

預付費卡行業正在迅速發展，這是由創新技術驅動的，擴大了消費者人口統計以及其作為金融包容性工具的作用。預計到2024年，預計全球價值為55萬億美元，預付費卡不再只是付款替代方案，而是現代金融生態系統的基石。從賦予無銀行的能力到為旅行者和企業提供便利，預付費卡正在重塑我們如何管理資金。隨著景觀的不斷擴大，各個行業的利益相關者可以利用這些趨勢保持領先地位。

>Market Landscape and Trends

>市場格局和趨勢

The global prepaid card market is expected to grow at a CAGR of over 11% from 2023 to 2024.

從2023年到2024年，全球預付費卡市場預計將以超過11％的複合年增長率增長。

North America is the largest prepaid card market, followed by Europe and Asia Pacific.

北美是最大的預付費卡市場，其次是歐洲和亞太地區。

The market is highly competitive, with major players including Visa, Mastercard, and American Express.

市場具有很高的競爭力，包括Visa，MasterCard和American Express在內的主要參與者。

Some of the latest trends in the prepaid card industry include the increasing popularity of mobile prepaid cards and the use of prepaid cards for payroll and employee benefits programs.

預付費卡行業的一些最新趨勢包括移動預付費卡的普及以及使用預付費卡用於工資和員工福利計劃。

>Usage Trends and Demographics

>使用趨勢和人口統計

Over 70% of consumers in the U.S. have used a prepaid card at least once.

在美國，超過70％的消費者至少使用了一次預付費卡。

Millennials are more likely than older generations to use prepaid cards regularly for day-to-day expenses.

千禧一代比老一輩更有可能定期使用預付費卡以進行日常費用。

Among unbanked consumers, prepaid cards are a primary mode of accessing financial services.

在無銀行的消費者中，預付費卡是訪問金融服務的主要方式。

The demand for travel-focused prepaid cards is rising as cross-border movement increases.

隨著跨境運動的增加，對以旅行為中心的預付費卡的需求正在上升。

>Types of Prepaid Cards

>預付卡的類型

The most common types of prepaid cards include gift cards, payroll cards, and government benefits cards.

預付卡的最常見類型包括禮品卡，工資卡和政府福利卡。

Specialized prepaid cards are emerging for specific niches, such as gaming, cryptocurrency, and micro-investments.

專門的預付費卡正在出現在特定的領域，例如游戲，加密貨幣和微型投資。

The average prepaid card user holds 2-3 prepaid cards from different issuers.

平均預付卡用戶持有來自不同發行人的2-3張預付卡。

>Major Players in the Prepaid Card Industry

>預付卡行業的主要參與者

Visa and Mastercard dominate the prepaid card processing market with a combined share of over 70%.

Visa和Mastercard以超過70％的綜合份額主導預付卡處理市場。

American Express and JCB are other significant players in the card issuer category.

American Express和JCB是發行人類別中的其他重要參與者。

Key players in the prepaid card technology solutions sector include Galileo Financial Technologies and TSYS.

預付費卡技術解決方案領域的主要參與者包括伽利略金融技術和TSYS。

>Regional Insights

>區域見解

The U.S. prepaid card market is the world’s largest, with a transaction volume of over $1.3 trillion in 2023.

美國預付費卡市場是世界上最大的，在2023年的交易量超過1.3萬億美元。

The Chinese prepaid card market is the second largest, driven by UnionPay's dominance in the Asia Pacific region.

中國預付費卡市場是第二大市場，由UnionPay在亞太地區的統治地位驅動。

The European prepaid card market is expected to grow at a CAGR of over 10% from 2023 to 2024.

歐洲預付費卡市場預計將以2023年至2024年的複合年增長率增長10％。

>Technological Innovations

>技術創新

The integration of blockchain and cryptocurrency is opening new horizons for prepaid card solutions.

區塊鍊和加密貨幣的集成正在為預付費卡解決方案打開新的視野。

Biometric authentication is enhancing the security and user experience of prepaid cards.

生物識別認證正在增強預付費卡的安全性和用戶體驗。

Big data analytics are being used to optimize prepaid card products and services.

大數據分析用於優化預付費卡產品和服務。

>Key Benefits for Prepaid Cards

>預付卡的關鍵好處

Prepaid cards offer several advantages over traditional bank accounts, including:

預付卡提供了比傳統銀行帳戶的幾個優勢，包括：

– No overdraft fees or interest charges

- 沒有透支費或利息費

– Flexible spending limits and reloading options

- 靈活的支出限制和重新加載選項

– Enhanced security features such as EMV chips and 3D Secure authentication

- 增強的安全功能，例如EMV芯片和3D安全身份驗證

– Convenience for travelers and those who prefer not to use a bank account

- 為旅行者和不願使用銀行帳戶的人提供便利

>Recent Developments

>最近的發展

Several new players are entering the prepaid card market, offering innovative products and services.

幾個新玩家正在進入預付費卡市場，提供創新的產品和服務。

Fintech companies are partnering with major card networks to launch their own prepaid card solutions.

金融科技公司正在與主要的卡網絡合作啟動自己的預付費卡解決方案。

The COVID-19 pandemic has increased the use of prepaid cards for contactless payments and government benefits programs.

COVID-19大流行增加了預付費卡用於非接觸式付款和政府福利計劃的使用。

>Conclusion

>結論

Prepaid cards are a valuable payment solution that offers several benefits for consumers, businesses, and the financial industry as a whole. As technology continues to advance and consumer preferences evolve, we can expect to see even more innovative prepaid card products and services being launched in the years to come.

預付費卡是一種有價值的支付解決方案，可為消費者，企業和整個金融行業提供一些好處。隨著技術的不斷發展和消費者的喜好的發展，我們可以期望在未來幾年中看到更多創新的預付費卡產品和服務。

Sources:

資料來源：

Statista

政治家

Bankrate

保險公司

FinTech Global

金融科技全球

P.R.O.

Pro