Reinventing credit cards Responses to new lending models in the US -mckinsey 重塑信用卡对美国新借贷模式的回应-麦肯锡.docx
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Financial Services Practice
Reinventing credit cards: Responses to new lending models in the US
Buy now, pay later could pose a challenge to credit cards’ leading position in US payments. To sustain profitable growth, issuers may need to rethink their products, economics, and value propositions.
by Amit Garg, Diana Goldshtein, Udai Kaura, and Roshan Varadarajan
June 2022
? Spfdigital/Getty Images
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Credit cards have long been one of the most popular methods of making payments and accessing unsecured borrowing in the United States, accounting for 37 percent of consumer purchases by dollar value in 2021.1 But their market position is gradually being undermined by the growth of point- of-sale (POS) financing offerings that combine installment lending with the convenience of card payments. US issuers could by 2025 lose up to
15 percent of incremental profits to newer forms of borrowing, based on our simulation of the potential impact of buy now, pay later (BNPL).
Alarming as that may sound to credit-card issuers, it is far from the whole story. Issuers have decades of experience and well-established relationships with consumers and merchants to help them compete. What’s more, credit cards have several deep-rooted advantages over other credit products. Many consumers engage with credit cards daily when purchasing goods and services. The spending data generated in this way gives issuers valuable insights into consumers’ preferences and needs. And credit cards are often part of a complementary suite of offerings alongside deposits, consumer loans, and other products, helping to reinforce customer loyalty.
Issuers can tackle the challenges they face by building on these strengths. They can reimagine their products to meet consumer needs, introduce
tailore
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