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Top 50 Retail Financial Institutions' Debit Rewards And Loyalty: 2011 Annual Review Product Image

Top 50 Retail Financial Institutions' Debit Rewards And Loyalty: 2011 Annual Review

  • ID: 2131043
  • January 2012
  • Region: United States
  • 23 Pages
  • Mercator Advisory Group

FEATURED COMPANIES

  • Affinity Solutions
  • Cardlytics
  • Citizens Bank
  • Fifth Third Bancorp
  • MasterCard
  • PNC Bank
  • MORE

In new research, Top 50 Financial Institutions' Debit Rewards and Loyalty: 2011 Annual Review, Mercator Advisory Group provides its annual examination of the changes taking place in the rewards and loyalty programs of the top debit card issuers in the United States. This is the first review of these programs since the implementation of the debit card interchange fee regulations that took effect on October 1, 2011. Though readers may expect to see a dramatic change from 2010, the research found that many of the issuers continued their programs, most notably Bank of America.

Many programs have migrated to merchant-funded discount networks (MFDN) strategies. Debit cardholders who value rewards programs will find them continuing to operate at many top financial institutions, which speaks to the resiliency of the product and its stakeholders in the face of significant changes in the business model.

Highlights of this report include:

- A discussion of the modifications, additions, and strategies of the top debit card issuers

- A matrix of MFDN solutions and the partners putting programs into the market

- Analysis of the primary market drivers affecting loyalty strategies in the industry

- A detailed matrix of the top 50 debit card issuers' rewards and loyalty programs (including characteristics and qualifications for participation)

"The demise of debit card rewards program might be better defined as the evolution of debit card rewards programs, at least for 2011," Patricia Hewitt, director of Mercator Advisory Group's Debit Advisory Service, comments.

Note: Product cover images may vary from those shown

FEATURED COMPANIES

  • Affinity Solutions
  • Cardlytics
  • Citizens Bank
  • Fifth Third Bancorp
  • MasterCard
  • PNC Bank
  • MORE

Table of Contents
Executive Summary
Introduction
Household Payment Card Usage

Consumers Choose Debit
Payment Choice Isn't Static

Notable Program Changes in 2011

Deactivated Programs
Modified Programs
Unmodified or Slightly Modified Programs
Unregulated Issuers

Merchant-Funded Discount Networks
Rewards Program Summary by Type and Characteristic
Rewards and Relevancy

Thoughts for 2012

Appendix: Top 50 Retail Financial Institutions: Debit Rewards Programs

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Figures and Tables

Figure 1: Debit Payment Volume Trends, 2005 - 2011
Figure 2: Household Card Ownership Trends, 2009 - 2011
Figure 3: Loyalty Programs' Behavior Incentives Mirror Market Drivers
Table 1: MFDN Solution Provider Partner Relationships
Table 2: Top 50 Retail Issuers' Program Types and Characteristics

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- Bank of America
- U.S. Bank
- Wells Fargo
- JPMorgan Chase
- PNC Bank
- Fifth Third Bancorp
- Citizens Bank
- Visa
- MasterCard
- Affinity Solutions
- Cardlytics
- Cartera Commerce
- EDO Interactive
- Next Jump
- SunTrust

Note: Product cover images may vary from those shown
Note: Product cover images may vary from those shown

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