A comprehensive Credit Card Market Analysis uncovers robust growth tempered by risks, offering actionable insights. Valued at $2.5T in 2025, it promises 9% CAGR, but defaults and regulation loom.
Macro Forces
Economic recovery drives spend; low rates favor borrowing. E-commerce at 25% of GDP amplifies volume.
SWOT: Strengths—network effects; Weaknesses—high churn (20%); Opportunities—unbanked markets; Threats—fintech disruption.
Consumer Segments
Prime users (700+ FICO) hold 60% volume, subprime 15% via builders. Women-led households grow 10%, seeking flexible limits.
Competitive Landscape
Duopoly (Visa/MC) faces neobanks at 12% share. Porter's Five Forces: High barriers, moderate buyer power.
Profitability Metrics
NII margins at 3.5%; rewards eat 1.5%. Delinquency at 4%, up from 2%.
Risks: Recession spikes NPAs 20%; geo-politics hits cross-border.
Strategies: Digital onboarding cuts costs 30%; AI underwriting approves 10% more.
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