Product Type: Market Research Report
Published by: Kalorama Information
Published: February 1997
Product Code: R566-263Description This report from Kalorama Information describes market size and trends in electronic money products and markets in the United States, Europe, and Asia, including prospects for future growth. It examines prospects for future growth for the various types of electronic money and analyzes major trends and technologies affecting this rapidly evolving market. The report profiles major players in online payment systems, financial services, and information technology. Key alliances are also assessed.Table of Contents Chapter One: Executive Summary
- Overview: From Cash to Electronic Money
- Industry Convergence in the Global Marketplace
- NonBank Leadership; Collaborative Ventures
- Global Markets
- Other Limiting Factors
- Size and Growth of the Market
- Market Forecast to 2001
- Trends Affecting the Market
- Market Forces in Perspective
- Internet Technology
- The Global Economy: International Comparisons
- Industry Structure and Leading Competitors
- Major Players in an Era of Change
- Decline of Traditional Banking.
- The Consumer
- Scope and Methodology
- Products and Services
- Stored-Value Cards
- Electronic Purses and Wallets
- Electronic Checks
- Electronic Credit and Debit Cards
- Electronic Money Delivery Systems
- Product Overview
- Methodology
Chapter Two: Introduction
- Overview
- Country and Regional Differences
- Europe Ahead of United States in Use of Electronic Money
- Japanese Also Rank Ahead of United States in Electronic Payment Use
- United States Among Leaders in Digital Cash Technology
- Advantages of Electronic Money
- Outstanding Issues and Concerns
- Need for Safety and Soundness
- Degree of Credit Card and Check Use
- Acceptance of Smart Cards
- Electronic vs. Cash Transactions in the United States and Europe
- Alliances and Joint Ventures
- Regulation of Digital Cash
- Encryption and Privacy Considerations
- Electronic Money Instruments and Delivery Systems
- Electronic Money
- Smart Cards
- Stored-Value Cards
- Electronic Purses and Wallets
- Electronic Checks
- Online Use of Debit and Credit Cards
- Electronic Money Delivery Systems
Chapter Three: Products And Services
- Introduction: Electronic Money as an Evolving Payment Instrument for the Future
- Stored-Value Cards
- Product Features and Applications
- Issues Affecting Acceptance and Use of Stored-Value and Smart Cards
- Lost or Stolen Cards
- Costs, Fees, and Interest
- Convertibility and Confidence
- Infrastructure
- Major Players in the SVC Market
- Players in the United States
- Players in Europe
- Key Player in Japan
- Major Projects
- Current Market Size
- Potential Market Size
- Market Trends
- Electronic Purses and Wallets
- Product Status
- European Leadership
- Acceptance and Use of Electronic Purses and Wallets
- Barriers to Success
- Major Initiatives and Players
- United States
- United Kingdom
- Taiwan
- Spain
- South Africa
- Singapore
- Portugal
- The Netherlands
- France
- Finland
- Denmark
- Canada
- Belgium
- Australia
- Switzerland
- Prospects for Future Use
- Electronic Checks
- Product Status
- Issues Affecting Acceptance and Use of Electronic Checks
- Major Players
- Future Prospects
- Electronic Credit and Debit Cards
- Product Status
- Issues Affecting Acceptance and Use of Electronic Credit and Debit Cards
- Regional Differences
- Aging Society
- Major Players
- Future Use of Credit and Debit Cards
- Electronic Money Delivery Systems
- Cash
- Product Status
- Pros and Cons of Cash
- Credit Cards
- Product Status
- Pros and Cons of the Credit Card System
- Direct Debits
- Product Status
- Pros and Cons of the Debit Card System
- Smart Cards
- Product Status
- Pros and Cons of the Smart Card System
- Online Payments
- Product Status
- Internet Growth and Market Penetration
- Financial and Corporate Presence Online
- Internet User Demographics
- Trends in User Applications: More of a Mainstream Medium
- Implications for Electronic Money
- The Digital-Cash Model
Chapter Four: International Trends And Issues
- Market Size and Growth: International Comparisons
- The Transition: From Paper to Paperless Payment Instruments
- Paper Transactions
- Check Use: Country Trends
- United States Has Significantly More Financial Institutions
- Advantages of Check
- Paperless Transactions
- Germany Leads in Total Volume of Cashless Transactions; United States Trails
- Factors Affecting Future Growth
- Security and Encryption
- Private and Public Keys
- DES
- RSA
- IDEA
- PGP
- PEM
- Blind Digital Signatures.
- Total Security vs. Practical Security
- Privacy vs. Security
- Key Management
- Technology
- CyberCash
- First Virtual
- Secure Electronic Transactions (SET)
- EMS
- Globe ID
- E-cash
- Electronic Checks
- TekChek
- Redi-Check
- Crime
- Money-Laundering
- Tax Evasion
- Fraud and Counterfeiting
- Consumer Perceptions of Electronic Payments
- Methodology
- Results
- Impact on Government, Banking, and Commerce
- Changes in Monetary Systems
- Impact on Money-Supply Policy
- Comparisons to the Era of Free Banking
- Seigniorage
- Federal Reserve Issues
- Other Legal and Regulatory Considerations
- Export Laws
- Market Applications
- Digital Cash
- Electronic Checks
- Credit Cards
- Market Projects
Chapter Five: The Future
- Market Forecast to 2001
- Using the United States as a Proxy
- Qualitative Selection Criteria
- Limitations Pertaining to These Selection Criteria
- Thriving Over the Long-Term
- Internet Demographics Over the Near-Term: Little Change Expected
- The Internet Class: A Niche of the Well-to-Do=
- Internet-User Status: Attainable for the Majority?
- Three Qualities of Current Internet Users
- The Effect of Technological Innovations on Market Forecasting
- Lack of Cost Models
- Quantitative Forecast: 1996 to 2001
- The Market For Online, Retail Payment Instruments: Comparisons with Nonstore Retail Sales
- Importance of the Shopping Experience
- Outside the Niche
- Market and Growth Projections
- Payment Instruments Through 2001
Chapter Six: Company Profiles
- Providers of Online Payment Systems
- Leading Companies in Banking, Financial Services, or Information Technology
- Alliances as Major Players
- CyberCash, Inc
- Business Overview
- Financial Information
- Products
- Electronic Money Alliances
- DigiCash B.V.
- Business Overview
- Financial Information
- Products
- Electronic Money Activities and Alliances
- First Virtual Holdings, Inc.
- Business Overview
- Financial Information
- Products
- Electronic Money Activities and Alliances
- GC Tech
- Business Overview
- Financial Information
- Products
- Electronic Money Activities and Alliances
- Leading Companies in Banking, Financial Services, or Information
- Technology
- Citibank, N.A.
- Business Overview
- Financial Information
- Electronic Money Activities and Alliances
- VISA International
- Business Overview
- Electronic Money Activities
- MasterCard International Inc
- Business Overview
- Financial Information
- Electronic Money Activities and Alliances
- International Business Machines Corp.
- Business Overview
- Financial Information
- Electronic Money Activities and Alliances
- Microsoft Corp
- Business Overview
- Financial Information
- Electronic Money Activities and Alliances
- Fujitsu Ltd., NEC Corp., and Hitachi Ltd
- Business and Financial Overview
- Electronic Money Activities and Alliances
- Hewlett Packard Co.
- Business Overview
- Financial Information
- Electronic Money Activities and Alliances
- Digital Equipment Corp
- Business Overview
- Financial Information
- Electronic Money Activities and Alliances
- Electronic Data Systems Corp.
- Business Overview
- Financial Information
- Electronic Money Activities and Alliances
- AT&T Corp.
- Business Overview
- Financial Information
- Electronic Money Activities and Alliances
- Toshiba Corp.
- Business Overview
- Financial Information
- Electronic Money Activities and Alliances
- Alliances as Major Players
- Financial Services Technology Consortium
- Joint Electronic Payments Initiative
- International
Integrion Financial Network
Appendix: Company Names And Addresses
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