|
市場調查報告書
歐洲財富管理商品的創新
Product Innovation in European Wealth Management 2008
| 出版商 |
Datamonitor |
| 出版日期 |
2008年06月 |
商品編碼 |
69530 |
| 內容資訊 |
英文 41 pages |
| 價格 |
|
|
本報告已在2011年07月19日停止出版。
本報告書內容包括：歐洲財富管理商品及相關服務創新的調查分析、歐洲財富管理企業的優先創新内 容、新商品及服務的特色・優點、未來受到矚目的發展領域預測。內容綱要摘記如下：
概要
實施概要
以新商品鎖定獲益性高的目標市場
- 財富管理企業：保證本金投資商品・致力於線上服務
- 保證本金型投資商品・線上服務：新商品的主流類型
- 商品投入的優先順序：考量最重要的顧客市場
- 稅務計畫・線上服務：有廣泛的吸引力
- 新的私有資產投資・信用能力：吸引企業主的關心
- 以保證本金投資・不動產計畫銷定退休富裕人口市場
- 女性富裕階層
- 以海外為據點的富裕階層
- 附加價値服務
財富管理市場中優先創新的領域
- 線上、附加價値、保證本金解決方案
- 充實線上的功能：擴大顧客的好處及改善成本效率
- 附加價值服務創新：改善與顧客的關係
- 預測可能性・因應確保本金的顧客需求
- 核心商品・服務：進化的預測及提供服務的差異化
商品・服務創新：未來動向
- 未來2年內不動產或私有資產商品將受到矚目
- 收益性：二次開發刺激因素
- 主要企業的行動：由顧客主導的創新制度化
附錄
圖表
Abstract
Overview
Introduction
European wealth managers continue to churn out new products and services as a
means of keeping pace with or staying ahead of their competitors. This report
analyses recent product launch activity, looking especially at new, innovative
offerings and assessing anticipated trends in product and service development
to 2010.
Scope
- Assesses product development priorities among European wealth managers;
- Highlights new product and service features and benefits;
- Identifies future areas of focus for product and service innovation.
Report Highlights
Wealth managers may be missing out on opportunities to drive business among
business owners and entrepreneurs in particular, since limited development and
launch effort is being committed to private equity investments and lending
products, even though these categories are attracting strong interest from
this very lucrative client group.
Wealthy investors are benefiting from moderate to significant innovation in
three core areas. Just below 60% of wealth managers described new online
services as quite innovative or very innovative, while 55% and 50% report
significant new features and benefits being introduced to value-added services
and capital-protected investments, respectively.
Development in online services is likely to be most vigorously pursued by
wealth managers serving the mass affluent market. Providers should note,
however, that online services are also highly valued by the critical segments
of expatriates, inpatriates and, to a slightly lesser extent, business
owners/entrepreneurs.
Reasons to Purchase
- Benchmark your product development efforts against the offers of leading
European wealth managers and private banks;
- Align new product development strategies to the characteristics and
demands of some of the most lucrative customer segments;
- Gain insights into wealth managers' strategies for embedding innovation
into their organisations.
Table of Contents
- Overview
- Catalyst
- Summary
- Methodology
- Executive Summary
- Investment in the development of new products and services provides a
platform for attracting core target customer segments
- Innovation is centered on online, value-added and capital-protected
solutions
- Over the next two years, property and private equity products will be
given greater focus
- Profitability is only a secondary driver of innovation
- Leading wealth managers are making a greater effort to institutionalize
customer-driven innovation
- Table of Contents
- Table of figures
- Table of tables
- Targeting Lucrative Customer Segments With New Products
- Wealth managers have focused on launching new capital-protected
investments and online services
- Capital-protected investments and online services have been dominating
product launch activity
- Product launch priorities take the demands of the most important client
segments into account
- Wealth management service response: Providers need to align their
product development strategies with the demands of the most lucrative
customer segments
- Tax planning and online services have broad appeal
- New private equity investments and credit facilities will attract
strong interest from business owners
- Multi-faceted tax obligations make tax advice and new tax-efficient
products a must for entrepreneurs
- Entrepreneurs are on the lookout for new property investment
opportunities
- Activity in private equity and lending has been muted
- Wealth management service response: The best banks for business
owners will offer an expanded range of private equity and
lending offerings
- Wealth managers are targeting the retired wealthy with protected
investments and estate planning
- Capital-protected investments meet retirees' need for wealth
preservation
- Wealth transfer requirements call for tax-optimizing solutions
- Wealth management service response: New offers aimed at retirees
should focus on maximizing returns in a way that allows them to sustain
their current lifestyle and provide for heirs
- Wealthy women expect to be able to keep abreast of developments in
their portfolios and access tax advice, but they also value support
services and products for their philanthropic aspirations
- Growing concern for social justice is prompting interest in
charitable giving and socially-responsible investments
- Wealth management service response: Wealth managers are expanding
their portfolios of socially-responsible investments, as a core element
of philanthropy and charitable services
- Wealthy clients based overseas place emphasis on online portfolio
management and cross-border tax services
- Improved online functionality helps expatriates and inpatriates to
stay in control of their investments while abroad
- Wealth management service response: Online services from private
banks and wealth managers allow clients to do more for themselves
- Value-added services are primarily a complementary, but secondary
proposition; however they may help to attract wealthy women and expats
- New value-added services promise easier living at home orabroad
- Wealth management service response: Third party providers allow
wealth managers to provide the best of both worlds
- Product and service development activity has been largely on target;
however there is scope for greater attention to high-interest areas among
entrepreneurs
- Priority Areas For Innovation In Wealth Management
- Innovation is centered on online, value-added and capital-protected
solutions
- Innovative enhancements of online functionality offer client benefits
as well as cost efficiencies
- Innovation in online services has been focused on enabling seamless
international banking and wealth management
- Wealth managers are also harnessing technology to improve the
delivery of advice and service
- Wealth management service response: Wealth managers targeting
customers with international and online requirements must build their
propositions around the concepts of one-world banking and access
to premium information
- Innovation in value-added services extends the client relationship
beyond the investment portfolio
- Value-added services are increasingly international in focus
- Wealth management service response: Innovative value-added services
must offer more than local access
- Wealth managers are responding to client demand for predictability and
protection with innovative capital-protected offers
- New capital-protected investments for wealthy clients aim to provide
greater protection and exposure to a wider range of underlying assets
- Wealth management service response: Providers must be prepared to
offer innovative solutions providing higher levels of protection or more
diversified investment opportunities
- Core products and services also offer scope for innovation and
differentiation in service delivery
- Future Trends In Product And Service Innovation
- Over the next two years, property and private equity products will be
given greater focus
- The most attractive customer groups would welcome meaningful
innovations from their wealth managers
- Online services and capital-protected products top the list for future
innovation
- Future online services will attempt to empower clients more and more
- Capital-protected investments will continue to harness new underlying
assets
- New value-added services will include more sophisticated advice for
mass affluent clients and new complementary facilities related to
property and art
- New property investments will provide exposure to emerging markets
- Inheritance planning advisory services will cater to
the internationally mobile
- Current market constraints provide strong incentive for building
innovative and flexible private equity structures
- Tax planning services will also be more internationally-focused
- Emerging markets and hedge funds will also be high-priority areas
- Profitability is only a secondary driver of innovation
- Optimising innovative effort to appeal to core target customers groups
may call for more emphasis on lending and charity/philanthropy services
- New credit services will appeal to business owners
- Wealthy women should be a key target of innovation
in charity/philanthropy services
- Leading wealth managers are making a greater effort to institutionalize
customer-driven innovation
- Wealth managers are leveraging their global scope and encouraging
innovation
- Appendix
- Data
- Definitions
- Methodology
- Bibliography
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
- List of Tables
- Table 1: We have identified a number of areas where there may be a lot of
product/service launches in wealth management.Please rate each area on the
level of activity you are currently seeing(on average).
- Table 2: We have identified a number of potentially lucrative customer
segments in wealth management. Please rate each on its attractiveness as an
area to focus on.
- Table 3: Please indicate if there is "a lot of demand" from the
following customer segments for the following products and services.
- Table 4: We don' t think that activity = innovation. So, in which areas
are you seeing product/service innovation in wealth management? Please rate
each area on the level of innovation you are currently seeing (on average).
- Table 5: How would you rate each of the following segments on their
receptiveness to innovative products (on average)?
- Table 6: In which of these areas do you expect to see more innovation in
the next 2 years?
- List of Figures
- Figure 1: Capital-protected investments register the highest number of
new product launches
- Figure 2: Business owners are the most attractive client group for
European wealth managers
- Figure 3: Tax planning and online services have broad appeal
- Figure 4: Online services have been the focus of innovative effort
- Figure 5: Entrepreneurs and business owners are most receptive to
innovation
- Figure 6: Over the next two years, wealth managers will focus most on
innovations in online services and capital-protected products
- Figure 7: Wealth managers may need to commit to greater innovation in
philanthropy services and lending to appeal to women and business owners
|
