Order Form

    This individual Note Who Are the Cardless? An Exploratory Analysisis available for purchase. This Note is available to members of Mercator Advisory Group’s Credit Advisory Service. Please be advised that this Note is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Note contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

    While the Note represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Notes form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Notes (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

    Unfortunately, in fairness to our paying members, we are not able to offer this level of support for a single Note purchase. We will, however, credit any Research Document purchase against the future purchase price of the service should you become a member within 30 days of purchasing the document.

    The price for individual Note purchases is $1450 per document. 


    Click here for a fax-back order form




Who Are the Cardless? An Exploratory Analysis

As we have discussed in other documents, credit card holding by households dropped precipitously between 2009 and 2010 based on Mercator's CustomerMonitor Survey Series data. But it is easy to overlook the fact that the consumer category growing fastest during this period is the cardless: those who do not hold a regular payment card of any type. Are these the "unbanked" by any other name? Not necessarily.