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Home » Reports Store » Research Reports » Credit Card Profitability » Credit Cards & Consumer Finance: North America

Credit Cards & Consumer Finance: North America

Countries covered: Canada, Mexico, United States

Author: Lafferty Research

Publishing date: November 2013

Combined, North America is one of the largest markets in the world, thanks mainly to the presence of the US — a regional and global giant in terms of consumer finance. In terms of consumer credit, North America (including Mexico) represents an incredible 44 percent of total global consumer outstanding debt despite accounting for just 10 percent of households.

While the US accounts for the vast majority of this debt, Canada also has a highly sophisticated consumer credit market and, despite its close proximity to the US, has a banking sector that was arguably one of the least affected by the global financial crisis.

Mexico has a comparatively small consumer credit market with the industry largely remaining in an embryonic stage of development, albeit with considerable potential.

Lafferty's Credit Cards and Consumer Finance: North America report provides a comprehensive overview of the consumer finance markets across three countries and includes historic, current and forecast data on personal disposable income and its relation to mortgage, non-mortgage and total consumer credit outstandings in the market, offering a better understanding of indebtedness and the potential for further lending expansion.

We also provide commentary on trends, market structure, key growth areas, competitive lines of credit and credit cards. In addition, further data on consumer credit outstandings — broken down by areas such as mortgages, credit card lending, vehicle finance and personal loans — helps you to understand the current consumer finance landscape in any given country or region and gives you the information you need to see where the market is heading.

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