Marqeta：2023年信贷状况报告（英文版）（22页）.pdf

1、Marqeta 2023State of Credit Report2Table of ContentsPart 1Even loyal consumers have their eye on what credit cards to apply for nextPage 4Part 3Customer loyalty to brands,rather than banks,highlights the opportunity for Embedded FinancePage 13Part 5Credit remains a major financial lifeline for consu

2、mers during major shopping seasonsPage 18Part 2Rewards speak louder than wordsPage 10Part 4Buy Now,Pay Later is serving as a credit adjacent servicePage 16ConclusionPage 21IntroductionPage 33The credit card is one of the most popular payment methods in the world.According to Forbes,a whopping 84%of

3、adults in the US had a credit card in 2021,and almost three-quarters(73%)of Americans had a credit card by the age of 25,making credit cards the most common first credit experience for young American adults.A similar trend is seen in the UK,with an estimated 34.5 million people,or two-thirds of UK a

4、dults,having at least one credit card.Credit is a well-known and widely accepted lending solution,and consumers rely on it for larger purchase amounts,with consumers surveyed saying they spend an average of$91 per purchase using credit compared to$39 when using debit,thanks to the inherent consumer

5、and business protections along with the rewards mechanism built into many offerings.For Marqetas third annual State of Credit report,Marqeta has surveyed over 2,000 US consumers and 1000 UK consumers to explore just how ready the credit card industry is for disruption as consumer expectations shift

6、toward digital and mobile offerings,personalized rewards and seamless application processes.Here we outline the huge opportunity at hand for businesses and consumers alike,and explore how embedded credit solutions may be the key to it all.IntroductionIntroductionPart 1Part 2Part 3Part 4Part 5Conclus