애플페이 및 삼성페이 등의 휴대폰제조사 수수료 도입이 시장에 미치는 영향 = The Impact on the Market of Introducing Handset Manufacturer Fees for Services Like Apple Pay and Samsung Pay

다국어 초록 (Multilingual Abstract)

This study investigates the potential cost burden on credit card companies arising from the introduction of commission fees by mobile phone manufacturers. First, scenario analysis is conducted to estimate the commission fees borne by credit card companies across different tiers. The results indicate that total fees may range from approximately KRW 26.7 billion to KRW 133.7 billion, depending on the commission rate. Second, this study analyzes the impact of Apple Pay on affiliated card companies’ credit card usage and net profit, using its launch as a temporal reference point. Although the introduction of Apple Pay had a positive effect on usage and net profit, this effect was not statistically significant. In conclusion, the implementation of commission fees by mobile phone manufacturers is expected to increase the cost burden on credit card companies. Conversely, the adoption of Apple Pay does not appear to meaningfully enhance their profitability.