预付费卡市场统计数据2025：主要参与者，创新和区域见解

本文深入研究了定义预付费卡市场的关键统计和趋势。

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.

近年来，预付费卡已经变得越来越受欢迎，因为它们提供了一种方便，灵活的管理资金方式。它们也是金融包容性的有价值的工具，因为它们可以为可能没有银行帐户的人提供财务服务。

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，全球预付费卡市场预计将达到5.5万亿美元，强调了预付费卡在现代金融景观中的重要角色。本文将概述预付费卡行业的一些关键统计和趋势。

>Editor’s Choice: Key Prepaid Card Statistics

>编辑的选择：密钥预付卡统计信息

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.

预付费卡行业正在迅速发展，这是由创新技术驱动的，扩大了消费者人口统计以及其作为金融包容性工具的作用。预计到2024年，预计全球价值为55万亿美元，预付费卡不再只是付款替代方案，而是现代金融生态系统的基石。从赋予无银行的能力到为旅行者和企业提供便利，预付费卡正在重塑我们如何管理资金。随着景观的不断扩大，各个行业的利益相关者可以利用这些趋势保持领先地位。

>Market Landscape and Trends

>市场格局和趋势

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

从2023年到2024年，全球预付费卡市场预计将以超过11％的复合年增长率增长。

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

北美是最大的预付费卡市场，其次是欧洲和亚太地区。

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

市场具有很高的竞争力，包括Visa，MasterCard和American Express在内的主要参与者。

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.

预付费卡行业的一些最新趋势包括移动预付费卡的普及以及使用预付费卡用于工资和员工福利计划。

>Usage Trends and Demographics

>使用趋势和人口统计

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

在美国，超过70％的消费者至少使用了一次预付费卡。

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

千禧一代比老一辈更有可能定期使用预付费卡以进行日常费用。

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

在无银行的消费者中，预付费卡是访问金融服务的主要方式。

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

随着跨境运动的增加，对以旅行为中心的预付费卡的需求正在上升。

>Types of Prepaid Cards

>预付卡的类型

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

预付卡的最常见类型包括礼品卡，工资卡和政府福利卡。

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

专门的预付费卡正在出现在特定的领域，例如游戏，加密货币和微型投资。

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

平均预付卡用户持有来自不同发行人的2-3张预付卡。

>Major Players in the Prepaid Card Industry

>预付卡行业的主要参与者

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

Visa和Mastercard以超过70％的综合份额主导预付卡处理市场。

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

American Express和JCB是发行人类别中的其他重要参与者。

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

预付费卡技术解决方案领域的主要参与者包括伽利略金融技术和TSYS。

>Regional Insights

>区域见解

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

美国预付费卡市场是世界上最大的，在2023年的交易量超过1.3万亿美元。

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

中国预付费卡市场是第二大市场，由UnionPay在亚太地区的统治地位驱动。

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

欧洲预付费卡市场预计将以2023年至2024年的复合年增长率增长10％。

>Technological Innovations

>技术创新

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

区块链和加密货币的集成正在为预付费卡解决方案打开新的视野。

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

生物识别认证正在增强预付费卡的安全性和用户体验。

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

大数据分析用于优化预付费卡产品和服务。

>Key Benefits for Prepaid Cards

>预付卡的关键好处

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

预付卡提供了比传统银行帐户的几个优势，包括：

– No overdraft fees or interest charges

- 没有透支费或利息费

– Flexible spending limits and reloading options

- 灵活的支出限制和重新加载选项

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

- 增强的安全功能，例如EMV芯片和3D安全身份验证

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

- 为旅行者和不愿使用银行帐户的人提供便利

>Recent Developments

>最近的发展

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

几个新玩家正在进入预付费卡市场，提供创新的产品和服务。

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

金融科技公司正在与主要的卡网络合作启动自己的预付费卡解决方案。

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

COVID-19大流行增加了预付费卡用于非接触式付款和政府福利计划的使用。

>Conclusion

>结论

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.

预付费卡是一种有价值的支付解决方案，可为消费者，企业和整个金融行业提供一些好处。随着技术的不断发展和消费者的喜好的发展，我们可以期望在未来几年中看到更多创新的预付费卡产品和服务。

Sources:

资料来源：

Statista

政治家

Bankrate

保险公司

FinTech Global

金融科技全球

P.R.O.

Pro