Prepaid

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    This individual Report Revisiting the Prepaid Financial Services Value Chain is available for purchase. This Report is available to members of Mercator Advisory Group’s Prepaid Advisory Service. Please be advised that this Report is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Report 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 Report represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Reports 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 Reports (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 Report 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 Report purchases is $2450 per document. 

     

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Revisiting the Prepaid Financial Services Value Chain



New research from Mercator Advisory Group reexamines the prepaid value chain and its evolution in recent years


Since 2005, Mercator Advisory Group has studied the prepaid value chain and monitored its steady progression. Over the years, the value chain has evolved in response to regulatory changes as well as the general volatility of the market. However, with no one right way of maximizing the utility of the value chain, a spectrum has emerged with some prepaid providers preferring minimal integration or consolidation of the prepaid value chain and others preferring to bring as many aspects of the value chain under one roof as they can.

With advantages and disadvantages to both approaches, coupled with recent regulatory changes that impact the prepaid value chain significantly, now is the ideal time to revisit the prepaid value chain and consider it in more detail.

"As prepaid has evolved over the years, so has its value chain. From the traditional compartmentalized value chain to an almost completely consolidated value chain, the level of integration ranges broadly by firm. Some prepaid card operators like AccountNow fall toward to the low end of the spectrum of consolidation with relatively few changes to the original value chain. On the opposite end of the spectrum, American Express and its Bluebird prepaid card represent one of the most consolidated value chains in the prepaid segment as American Express controls many aspects of its prepaid card program," comments Tristan Hugo-Webb, Analyst at Mercator Advisory Group and the primary author of the report.

This report is 25 pages long and contains 11 exhibits.

Companies mentioned in this report include: AccountNow, American Express, Green Dot, H&R Block, and NetSpend.

Members of Mercator Advisory Group's Prepaid Advisory Service have access to this report as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits.

Highlights of the report include:

- In-depth examination of the prepaid value chain

- Insight into the spectrum of integration of the prepaid value chain

- Comparisons of different value chains or models utilized by leaders in the prepaid market

- Review and analysis of recent regulatory changes and their impact on the prepaid value chain.