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Credit Card Profitability: North America

Author: Lafferty Research

Publishing date: May 2018

North America — composed of Canada, the United States, Mexico and Puerto Rico — is a thriving credit cards market and is the leading global region by many measures. However, as the US is the most profitable credit cards market in the world, it dominates the region in almost every respect.

There has been substantial growth in almost every metric from 2011 to 2017, including overall pre-tax profitability, purchase volume and in the number of credit cards. However, there has also been an uptick in regional net credit losses, which has eaten into regional profitability. While the US is the regional behemoth, Canada is also a highly developed cards market with a credit culture that is reminiscent of its southern neighbour. In addition, there is also Mexico, a developing cards market that offers something that Canada and the US lack: the potential for growth over the medium- and long-term, with its relatively large population, low card penetration rate and high levels of cash usage.

Credit Card Profitability: North America looks at the region's top cards markets to unmask the trends and individual characteristics of these various countries and addresses significant issues, including:

  • The dynamics and key metrics behind credit card profitability
  • How and why credit card revenue streams are changing
  • The effects of -- and trends in -- credit losses
  • How differing consumer attitudes to credit affect profitability
  • How the unique characteristics of the region's cards markets affect the region's profit pools

Credit Card Profitability: North America also provides you with critical data for each country, including:

  • card numbers by type, including credit, debit, prepaid
  • billed volume on credit cards (POS, ATM, total)
  • number of transactions on credit cards (POS, ATM, total)
  • average transaction value on credit cards (POS, ATM, total)
  • credit card profitability indicators (rollover rates, net credit losses, interchange fees)
  • Lafferty Group's unique credit card profit pool calculation

Purchase this report from the link at the top of this page, or to find out more about Lafferty Research Services subscription packages and enterprise licences, email enquiries@lafferty.com or call +44 (0) 203 633 1630.

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