Thursday, February 28, 2019

small scale business

small scale business


$35.7 Billion Prepaid Cards Market in France, 2019 - Forecast to Reach $47.9 Billion by 2023: Business & Investment Opportunities Report - ResearchAndMarkets.com - Business Wire

Posted: 28 Feb 2019 01:54 AM PST

DUBLIN--()--The "France Prepaid Cards Business and Investment Opportunities - Market Size and Forecast (2014-2023), Consumer Attitude & Behaviour, Retail Spend, Market Risk" report has been added to ResearchAndMarkets.com's offering.

According to this research, the prepaid card market (value terms) in France increased at a CAGR of 11.9% during 2014-2018. Over the forecast period of 2019 to 2023, the market is expected to record a CAGR of 7.6%, increasing from US$ 35.7 billion in 2019 to reach US$ 47.9 billion by 2023.

This report provides trend analysis (market size and forecast) of prepaid (pay before) cards, offering a wealth of insights to help companies understand this growing but quickly changing market.

  • Market dynamics: Provides a comprehensive view on size and structure, industry dynamics, market trends, consumer attitude and behaviour, and competitive landscape in prepaid card industry in France.
  • Open loop and closed loop: market estimates and forecasts to assess opportunities in open loop and closed loop prepaid market segments. Details four essential KPIs - number of cards in circulation, number of transactions, load value, and value of transactions.
  • Open loop prepaid card categories: Identifies potential risks, consumer adoption, and market size across 11 market segments in open loop prepaid cards for the period 2014-2023. These include gift, business & administrative expense, payroll, meal, employee / partner incentive, travel forex, general purpose, remittance, teen and campus, social security and other government benefit programs, insurance claims.
  • Closed loop prepaid card categories: Identifies potential risks, consumer adoption, and market size across 10 market segments in closed loop prepaid cards for the period 2014-2023. These include gift, healthcare and wellness, consumer incentives, employee / partner incentives, entertainment and gaming, teen and campus, social security and other government benefit programs, transit and tolls, and fuel, utilities, and others.
  • Benchmarking and risk index: Benchmarks the prepaid card industry in the country with key global markets along with risk assessment through the Prepaid Cards Industry Risk Index (PCIRI).
  • Consumer attitude and behaviour: Drawing from proprietary survey results, this report identifies and interprets key prepaid KPIs, including spend by age, gender, and income level. In addition, it provides an overview of how consumers are currently using prepaid cards across five key categories - travel, bill payment, retail spend, cash withdrawal, and P2P transfers. It also provides a breakdown by transaction size.
  • Retail spend: Breaks down retail spend across 11 categories to provide detailed insights on consumer behaviour and changing dynamics of prepaid card spend.

Report Scope

  • France Prepaid card market data and insights: It details market opportunities across 75+ market segments in prepaid cards and identifies potential risks. Market estimates and forecasts (2014-2023) assess overall prepaid card industry on four essential KPIs - number of cards in circulation, number of transactions, load value, and value of transactions.
  • France Prepaid card analysis consumer segments: Retail (banked and unbanked / underbanked), corporate (small scale, mid-size, and enterprise), and government / public sector
  • France Prepaid card spend analysis by consumer demographics: Age, income, and gender
  • France Prepaid card spend analysis by retail spend categories: Food and grocery, health & beauty, apparel and footwear, books / music / video, consumer electronics, pharmacy and wellness, gas station, restaurants & bars, toys, kids & babies, media and entertainment, services
  • France Prepaid card spend analysis by card function: Closed loop and open loop segments
  • Prepaid card categories: Drawing from proprietary survey results, this report provides in-depth analysis of opportunities in both open loop and closed loop prepaid card categories.

Included in the Report

  • France Gift card spend analysis: Market size and forecast by functional attribute (open loop and closed loop) and by consumer segments (retail, small scale business, mid-size business, and enterprise business). Also, breaks down the market size by consumer behavior, covering gifting occasion, card type (paper, plastic, digital), and market share by retail categories.
  • France Business & administrative expense card spend analysis: Market size and forecast at category level and by consumer segments (government, small scale business, mid-size business, and enterprise business).
  • France Payroll card spend analysis: Market size and forecast at category level and by consumer segments (government, small scale business, mid-size business, and enterprise business).
  • France Meal card spend analysis: Market size and forecast by consumer segments (government, small scale business, mid-size business, and enterprise business).
  • France Healthcare and wellness card spend analysis: Market size and forecast at category level.
  • France Consumer incentive card spend analysis: Market size and forecast at category level and by consumer segments (government, small scale business, mid-size business, and enterprise business).
  • France Employee / partner incentive card spend analysis: Market size and forecast at category level and by functional attribute (open loop and closed loop) and by consumer segments (government, small scale business, mid-size business, and enterprise business).
  • France Travel forex card spend analysis: Market size and forecast by consumer segments (retail, government, small scale business, mid-size business, and enterprise business).
  • France General purpose card spend analysis: Market size and forecast at category level and by consumer segments (banked and underbanked / unbanked).
  • France Remittance card spend analysis: Market size and forecast at category level.
  • France Teen and campus card spend analysis: Market size and forecast at category level and by functional attribute (open loop and closed loop).
  • France Social security and other government benefit program cards spend analysis: Market size and forecast by functional attribute (open loop and closed loop).
  • France Insurance claim card spend analysis: Market size and forecast at category level.
  • France Entertainment and gaming card spend analysis: Market size and forecast at category level.
  • France Transit and toll card spend analysis: Market size and forecast at category level.
  • France Fuel, utilities, and other cards spend analysis: Market size and forecast at category level.

Reason to Buy

  • In-depth understanding of prepaid card market dynamics: Understand market opportunity, industry dynamics, key trends and drivers across 75+ market segments and sub-segments of prepaid cards in France.
  • Develop market specific strategies: Identify growth segments and target specific opportunities to formulate your prepaid cards strategy; assess market specific key trends, drivers and risks in prepaid cards industry.
  • Get insights into consumer attitude and behaviour: Understand changing consumer attitude and behaviour and boost ROI. Get detailed insights into retail spend through prepaid cards.
  • Establish market attractiveness: Gain insights into market attractiveness relative to other global markets through the Prepaid Cards Industry Attractiveness and Risk Index.

Companies Mentioned

  • BNP Paribas Groupe
  • Banque Accord
  • Banque Populaire Groupe
  • Billettique Montiquev Services SAS (BMS)
  • Caisse d'Epargne Groupe
  • Carrefour Banque
  • Crdit Agricole Groupe
  • Crdit Mutuel Groupe
  • Edenred
  • Groupement des Cartes Bancaires
  • La Banque Postale SA
  • LaSer Group
  • MasterCard
  • Paris Visite Card
  • Socit Generale SA
  • Sodexo SA
  • Synedis SAS
  • Ville de Paris
  • Visa Europe

For more information about this report visit https://www.researchandmarkets.com/research/gnhkc4/35_7_billion?w=4

Divided We Fall: Why British Business Leaders Must Come Together - Forbes

Posted: 28 Feb 2019 02:52 AM PST

Credit: Edgar Chaparro

Wow, what a mess.

UK politics continues to implode with party defections, and ugly tribalism is the new order of the day. In the private sector, it's a bloodbath on the high street and HMV, Asda and M&S are fighting for survival. This follows a year of closures from the likes of Toys R Us, Debenhams, House of Fraser, Evans Cycles and Mothercare, claiming almost 150,000 retail jobs.

It comes as no surprise that some businesses are deliberately removing themselves from the UK equation. Dyson is off to Singapore, Sony is off to the Netherlands, Honda is closing its Swindon plant and nearly one in three British businesses are planning to relocate or shift operations abroad to cope with a hard Brexit according to the Institute of Directors. HSBC might be busy telling us 'we are not an island' in its controversial campaign, but it certainly feels that way.

We're witnessing the same kind of behavior from entire nation states, on a global scale too. Russia is to test cutting itself off from the internet, following in the footsteps of China-style blockades, and the US presidency is still determined to build that wall to protect its interests.

At least the Oscars were fun.

What's to be done?

It's clear we need a new narrative, and to move beyond the current I'm Right and You're an Idiot rhetoric. Klaus Schwab of the World Economic Forum nailed it when he recently told reporters at Davos, "Globalization produces winners… but now we need to look after the losers, after those who have been left behind". (He's five years too late and the train has long since left the station, but still.)

Instead of espousing isolationism, it's time for businesses - both big and small - to step forward and work together. If history has taught us anything, it's that we'll only get ourselves out of this hole if we embrace collaboration and inclusivity in the broadest possible sense. This isn't only essential – it's doable, as evidenced by the many businesses taking steps in this direction already.

More partnerships

Partnerships between different businesses can both broaden horizons for organizations and their customers and massively increase business potential. For instance, while other digital banks avoid physical branches and ignore the swathes of consumers who can't access their services, Starling Bank has launched a pioneering partnership with the Post Office.

This shows real initiative on both parts. It builds Starling's credibility, supports local communities, and bolsters the Post Office, whose hubs many towns and villages depend on. It's too early for concrete results but the fact that Monzo is in talks to do the same thing suggests it was a smart move.

More movements

Businesses are increasingly signing up to movements and actively supporting organizations that push for specific social change. Paltry CSR efforts aren't enough. From the fringes, Too Good To Go is a nice example. It has enlisted established names in the hospitality sector - Paul, Planet Organic and Yo! Sushi to name a few – to offer app users discounts during certain periods and save perfectly good food from the bin.

From the mainstream, look at the incredible work done by the various corporate foundations like the one at Ikea. And, going back to Davos for a moment, see the Ellen MacArthur Foundation. It launched its New Plastics Economy initiative with eleven leading brands, including Evian, L'Oréal, Mars, PepsiCo, The Coca-Cola Company, Unilever and Walmart. All of these companies will use 100% reusable, recyclable or compostable packaging by 2025, which is no small task given the scale of their operations.

More public-private alliances

Alphabet partners with local governments and telco companies worldwide through its subsidiary, Loon. It uses a network of balloons to deliver connectivity to people in underserved communities around the world, and supplements existing networks in times of national disaster. The work it did with Telefonica and the Peruvian government after the floods there is rather inspiring.

Meanwhile, Airbnb is working with VisitBritain, funded by the DCMS, to promote local experiences to both domestic and international visitors. Carol Dray, Commercial Director of VisitBritain, said of the project: "We want to boost demand for travel right now, inspiring more young Brits to take 'microgaps' and be advocates for experience-based travel […] benefitting local businesses and boosting the economy." From where I'm sitting, this couldn't come at a better time.

Globalization is at risk of failure. Resources, power and access are being reshuffled and reorganized. This is causing a fight or flight response, but that's exactly the opposite of what's needed. Leaders and their organizations must become a transforming force, bringing a sense of community and shared ambition back to our times. We'll only find solutions to today's problems if we stand united.

Small Business Resource Fair To Aid Oswego Entrepreneurs - Oswego, IL Patch

Posted: 25 Feb 2019 01:48 PM PST

OSWEGO, IL — Looking to expand your Oswego-based small business, but aren't sure where to start? Or, do you have a clear vision but need funding and other resources to make it happen?

The Village of Oswego has rescheduled Scale Up: A Small Business Resource Fair for Tuesday, March 5, to help connect Oswego businesses to lenders and other community resources.

This resource fair, initially canceled due to frigid temperatures in January, is designed to bring small business owners together with lenders, utilities, nonprofit and government organization to help entrepreneurs looking to expand their businesses find available resources.

Scale Up 2019: A Small Business Resource Fair will now be held from 8 a.m. to 10 a.m. on Tuesday, March 5, in the community room of the Oswego Fire Protection District, 3511 Wooley Road. The fair will include a brief presentation on resources and incentives available through the Village of Oswego's economic development department, followed by an opportunity to meet with representatives from banks, utilities, business-focused non-profit agencies and local government.

"The idea behind the event is to connect small business owners with new resources they may not have previously thought of," said Economic Development Director Corinna Cole. "Attendees will be able to learn about business banking products and SBA loans to expand their businesses, find classes and workshops to better develop and train their workforce, discuss how to overcome barriers like permitting and infrastructure needs, and get questions answered."

Best of all, the fair is free, as are many of the programs and resources that will be represented.

Attendees include: Allied First, BMO Harris, Byline, Fifth Third, First National and Old Second banks; Comcast, ComEd, Fox Metro, Metronet and Nicor; Illinois Small Business Development Center at Waubonsee, Oswego Chamber of Commerce, Oswegrow from the Oswego Public Library District, and the Village of Oswego's Economic Development and Building & Zoning Departments.

No registration is required. Simply show up ready to learn and scale up your business this year.

For more information about Scale Up 2019, or to start a conversation on helping your small business thrive in Oswego, contact Community Engagement Coordinator Julie Hoffman at 630-551-2344 or jhoffman@oswegoil.org.

More information about this event and other resources for local small businesses is available at www.oswegoil.org/economic-development.

Submitted by the Village of Oswego

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