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中信銀發卡量狠甩玉山、統一伺機壯大icash!辜仲諒、羅智先聯手發卡背後深盤算

Newtalk新聞 為了打造更強大的 OPENPOINT生態圈,統一集團將集中資源,陸續終止與各家銀行發行的聯名卡,並由中國信託獨家發行一張全新的集團聯名卡,將使國內信用卡市場再度重新洗牌。 8月21日,中國信託銀行董事長陳佳文與統一企業集團董事長羅智先聯袂宣布,發行「中國信託uniopen聯名卡」,為信用卡市場投下一顆震撼彈。這張聯名卡預料將一舉讓中信銀的總發卡量突破千萬張大關,甩開緊咬不放的玉山、台北富邦銀行等追兵。 自從2023年5月,公平會同意統一併購家樂福之後,市場就預言,家樂福聯名卡將成為市場必爭的搶手貨。果不其然,羅智先挾著集團龐大的流通零售事業,包含7-ELEVEN、家樂福、星巴克、康是美等,組成「史上最大聯名單位」,透過與中信銀聯手,打造首張卡友可權益自選的聯名卡,共同創造點數經濟生態系。 中信花三年功 辜羅頻互動 中信和統一的淵源極深,早在2003年,中信金迎娶隸屬統一集團旗下的萬通銀行,一舉讓中信銀分行數從50多家增至102家;更重要的是,中信銀日後獨家取得統一超商全台分店設置自動櫃員機(ATM)的權利。20多年來,隨者統一超分店數逐漸成長,中信銀在超商的ATM據點已超過7千處。 如今,放眼國內銀行信用卡排名,前五大發卡行分別為中國信託、玉山、台北富邦、國泰世華及台新銀行。擁有momo電商平台的富邦銀,與統一在零售業務上存在競爭關係,雙方難以合作;而國泰世華已停止聯名卡策略,轉而主打CUBE卡。至於積極推動與新光金控合併的台新,原本也積極爭取,後則因內部忙於新新併整合,無暇顧及這塊大餅。 事實上,中信為了與統一集團合作發行聯名卡,已下了3年功夫,大股東辜仲諒甚至親自出馬,頻繁與羅智先餐敘談合作。「辜董與羅董頻繁互動,最終促成了這場備受矚目的強強聯手。」統一集團高層透露。 如今拍板定案,原發行家樂福聯名卡長達14年的玉山,無疑是受傷最重的一方。 銀行業者分析,由於家樂福聯名卡發行數高達一百四十餘萬張,是國內發卡數「百萬俱樂部」前五強之一,中信發行uniopen聯名卡之後,恐將衝擊玉山發卡總數。 不過,玉山也並非毫無準備。2023年統一集團收購家樂福後,玉山就已預感到合作難以延續,於是提前部署,2024年推出「玉山Unicard」應戰,並以創新的訂閱制回饋方案,力圖提高卡友續卡意願,陸續將家樂福聯名卡持卡人轉換為玉山Unicard,同時透過熊本熊卡、U Bear卡等熱門卡,力圖穩固其地位,估計至目前為止轉換率約75%。 中信與統一將透過這張聯名卡共同打造全台最大的「零售金融生態圈」。中信銀內部評估,以中信銀過往的能量,透過家樂福、星巴克等通路,預計新聯名卡發卡量「至少2百萬張,多則3百萬張,屆時發卡量絕對可一舉突破一千萬張」,中信銀也將因此在消費數據、客戶黏著度上建立起難以跨越的「護城河」。 此外,統一集團未來旗下電子支付工具icash動向也值得注意。長久以來,icash與中信在聯名卡、行動支付等領域已有深厚合作基礎。從早期的icash聯名卡到近期icash Pay串接中信行動銀行App,雙方在會員導流與支付服務上一直有緊密互動。 (本文獲今周刊授權轉載,更多內容,請參閱最新一期《今周刊》第1496期) 你可能也會感興趣》 00878、0056、00919...簡單1指標進場,多賺50%!孫慶龍佛心公開「10檔高股息ETF」出現翻漲訊號 https://www.businesstoday.com.tw/article/category/183013/post/202508130049/ 老後搬到花東?她長住1年夢醒離開:物價比西部高、就醫開車1小時…退休移居先考量4現實 https://thebetteraging.businesstoday.com.tw/article/detail/202508150008延伸閱讀:速度10馬赫! 韓KF-21首掛高超音速導彈 射程遠達千里 北韓、中國都驚長達20分鐘都沒發現? 中驅逐艦「近距貼身監控」美無人艇 最短僅距數尺謝步智觀點》川普「主場」秀圖威壓! 澤連低姿態鬥智力 歐洲「這點」與美衝突….謝步智觀點》雙普會川普向普丁「叩頭」 …
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Mozambique's illegal miners reap risky rewards but land suffers

Rivers around mining sites are polluted, and mercury has seeped into the soil, creating a nightmare for farmers.
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(LEAD) Gov't unveils steps to support 'voluntary' restructuring of petrochemical industry

SEOUL, Aug. 20 (Yonhap) -- The government will help the ailing petrochemical sec...
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Ex-China diver becomes merman performer, creates stunning underwater routines

A Chinese diving athlete turned oceanarium merman performer has gone viral for his physical presence and self-taught underwater dance routines that blend strength with beauty. Xiao Songyi, a 22-year-old from …
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A deadly crash and Musk's exaggerations: Inside two lawsuits over Tesla's self-driving tech

As Musk works to turn Tesla around with a successful robotaxi venture, recent lawsuits have complicated his efforts and raised questions about the company's self-driving technology. Read full story
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Gov't to purchase over 35,000 GPUs within 2 yrs: science minister

SEOUL, Aug. 20 (Yonhap) -- South Korea plans to purchase more than 35,000 graphi...
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China's top envoy visits grave of ex-President Roh ahead of 33rd anniv. of diplomatic ties

SEOUL, Aug. 20 (Yonhap) -- Dai Bing, China's top envoy to South Korea, has visit...
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Missing Itaewon disaster first responder found dead

A firefighter who suffered from depression after being dispatched to the 2022 deadly crowd crush was found dead Wednesday after going missing for 10 days, officials said. The 30-year-old firefighter …
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Seoul int'l defense exhibition to be held in Oct. with record participation from 35 nations

A record 600 companies from 35 countries are expected to showcase advanced military hardware and technologies at the Seoul International Aerospace & Defense Exhibition (ADEX) 2025 scheduled to be held …
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Gov't to ramp up policy efforts to infuse firms, public sector with AI

The government and the ruling Democratic Party of Korea (DPK) agreed Wednesday to ramp up their policy efforts to infuse private firms, the public sector as well as all sectors …
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Ex-PM Han summoned again for questioning Friday in martial law probe

A special counsel team said Wednesday it plans to question former Prime Minister Han Duck-soo again later this week over his alleged involvement in former President Yoon Suk Yeol's botched …
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Favorability toward India drops sharply in Korea: Pew

Koreans’ favorability toward India has plunged more than any other country surveyed over the past year, according to new research. The 16-percentage-point drop marks the lowest level since the survey …
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Presidential office says peace overture aimed at stability for both Seoul, Pyongyang

The presidential office said Tuesday that recent peace overtures by President Lee Jae Myung were aimed at ensuring stability for both Seoul and Pyongyang, in a response to a statement …
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Ex-first lady's detention extended to Aug. 31

The detention period for former first lady Kim Keon Hee has been extended by 10 days to the end of this month, special counsel Min Joong-ki's team said Wednesday. The …
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雙標?川普盟友怒轟:美對以色列順從到放走「兒童性掠奪者」

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Siren out to make money: Lim Soo-jung discusses her role in hit webtoon-turned-drama

You might remember Lim Soo-jung as the doe-eyed, ingenue Eun-chae in the K-drama classic "I’m Sorry, I Love You" or as Su-mi, the tormented older sister fiercely protective of her …
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登山客玉山東峰遭雷擊 1人受傷

高雄市消防局今天近午接獲登山客求救電話,2名登山客相偕攀爬玉山東峰,海拔大約3千多公尺,其中1人遭遇雷擊受傷,由於案發地位在南投縣信義鄉,應是訊號飄移才由高雄接獲通報,已轉知南...…
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立院初審修正通過 汽車無照駕駛最高罰6萬、當場扣車

立法院交通委員會今日審查「道路交通管理處罰條例修正案」,鑑於近年無照駕駛事件頻繁,朝野立委提出數個版本盼加重罰鍰,經委員會逐條討論後,綜合各委員版本初審修正通過,將無照機車駕駛...…
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India and China hail warming ties amid Trump-induced geopolitical shake-up

Visit to Delhi by Wang Yi, China’s top diplomat, has seen both countries agree to resume trade ties and work towards resolving border disputeIndia’s prime minister and China’s foreign minister …
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舒子晨情緒失控罵網友「好醜」 公開道歉了:不該做出太妹行為

王靖惟/核稿編輯 〔娛樂頻道/綜合報導〕女星舒子晨擔任美式啦啦隊「LuxyGirls」隊長,因長相激似謝金燕,被封為「小謝金燕」。然而,日前有女網友在IG限時動態批評LuxyGirls,讓她情緒失控,...…
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Malaysia needs 100,000 more engineers, says Nanta

KUALA LUMPUR: Malaysia is facing a shortage of some 100,000 engineers needed for the country's development, Works Minister Datuk Seri Alexander Nanta Linggi says. Read full story
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棠總院長陳威明:郭智輝晚宴只待30分鐘就離開

歐祥義/核稿編輯 〔財經頻道/綜合報導〕榮總院長陳威明回應郭智輝參加醫界晚宴爭議指出,「當我們快樂在一起」是幾年前由發起人取的名字,當天是為慶祝台大院長吳明賢調任,新院長余忠仁升任而舉辦,郭...…
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Melaka JPJ seizes luxury vehicles worth RM1mil in three-day ops

MELAKA: A 25-year-old woman became the youngest owner to have her luxury vehicle confiscated during a three-day crackdown by the Melaka Road Transport Department (JPJ). Read full story
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