英國住宅貸款、儲蓄市場之聯合及合作夥伴行銷 是由出版商Finaccord Ltd.在2010年04月所出版的。
這份英文市場調查報告書包含95 Pages 價格從美金1972起跳。
本報告為，詳細調查分析英國住宅貸款、儲蓄市場之聯合及合作夥伴行銷實例，並匯整合作提議、運用模式、普及率、市場佔有率等，以下列摘要形式闡述。
實施概要
第1章 簡介
第2章 市場概要
第3章 非營利同儕團體
- 慈善機構
- 生活方式組織
- 政治團體
- 專業協會
- 運動組織
- 產業團體
- 工會
- 大學
- 其他
第4章 金融夥伴
- 銀行
- 建築資金融資合作社
- 信用合作社
- 互助會
- 保險公司
- 線上應用、經理人
- 套裝帳戶、支付卡
- 當舖、支票業者、外匯匯款服務供應商
- 專業貸款
第5章 商業組織
- 航空公司
- 汽車協會
- 汽車經銷商、維修工廠、超級市場
- 汽車製造業者
- 不動產
- 足球隊
- 網路、媒體、通訊相關組織
- 線上比價供應商
- 零售業者
- 旅行社
- 公用事業公司
- 其他
圖表
Abstract
Finaccord' s report titled Affinity and Partnership Marketing in UK Mortgages
and Savings Accounts represents the most detailed research ever undertaken on
this sector and is one of eight studies in a new series of publications.
Drawing on the results of a survey of 2,565 organisations, the report analyses
the penetration, operating models and provider share of relationships of
affinity and partnership marketing schemes for mortgages and savings accounts
across a range of distributor categories. These include charities, estate
agents, football clubs, friendly societies, insurers, Internet, media and
telecoms entities, online aggregators and brokers, on-line price comparison
providers, professional associations, retailers and trade unions. Moreover,
the PartnerBASE database that accompanies the report provides the granular
detail behind the analysis, detailing each of the more than 300 affinity and
partnership marketing initiatives traced by Finaccord in this sector. You may
be able to use this report and associated PartnerBASE database in one or more
of the following ways: drill down into the detail lying behind affinity and
partnership marketing schemes for mortgages and savings accounts in the UK;
gain access to research that chronicles the vast majority of affinity
marketing opportunities in mortgages and savings accounts; use the PartnerBASE
database to identify trends by partner type, operating model and product
provider; benchmark the competitive position of your own organisation in
affinity and partnership marketing of mortgages and savings accounts and spot
opportunities for displacing rivals; plan your future affinity and partnership
marketing strategy for mortgages and savings accounts armed with the best
market and competitor intelligence available on this subject. Together, the
report and PartnerBASE database will provide you with the definitive guide to
current and potential affinity and partnership marketing opportunities in UK
mortgages and savings accounts.
Table of Contents
0.0 EXECUTIVE SUMMARY
- Research background and structure
- Examples of partnership marketing of mortgages exist across many affinity
sub-categories with the vast majority of initiatives identified adhering to a
brokerage operating model and with only one group, among mortgage lenders,
holding a significant number of ties
- Although fewer in number, affinity savings accounts are also offered by a
variety of partner types with successful examples extending beyond the usual
territory of charities and football clubs
- Having sold out of its joint venture with Tesco, RBS may also lose Virgin
as a partner
- Different routes to success may exist in affinity marketing of mortgages
and savings
1.0 INTRODUCTION
- Rationale
- The channels used to distribute financial products and services in the
UK continue to proliferate
- Methodology
- Finaccord
- UK affinity and partnership marketing publications
- Other UK consumer research publications
- UK small business financial services research publications
- PartnerBASE™
- Definitions
2.0 MARKET OVERVIEW
- Affinities and partnerships in UK mortgages and savings accounts albeit
the Britannia and the Co-operative
- Finaccord' s research identifies almost 200 current affinity schemes for
promoting mortgages with most intermediated by an aggregator or broker
rather than placed with an actual lender. Bank combined hold a significant
number of deals
- The research also extends to 138 partnership marketing initiatives for
savings accounts of which well over one third are attributable to the
football club sub-category
- However, the most significant partnerships by volume and value may lie
elsewhere
3.0 NOT-FOR-PROFIT AFFINITY GROUPS
- 3.1 Charities
- Introduction
- Analysis of partnerships
- Just three charities have any involvement in the provision of mortgages
to their supporters although affinity savings accounts are widespread among
both local and national charities
- Accounts focused on local air ambulance services and hospices appear
especially popular
- While still comparatively small, Triodos Bank has grown very rapidly in
recent years
- 3.2 Lifestyle organisations
- Introduction
- Analysis of partnerships
- Although a small category by number, there are several interesting
affinity schemes in place
- 3.3 Political parties
- Introduction
- The Plaid Cymru Credit Union offers both mortgages and savings to members
- 3.4 Professional associations
- Introduction
- 28 professional associations possess in excess of 30,000 individual
members
- Analysis of partnerships
- Brokers dominate mortgage affinity schemes set up with professional
associations with Parliament Hill having expanded its roster of professional
bodies with a combined total of over 1.4 million members
- and with other brokers restricted to a much smaller number of affinity
partnerships
- Very few professional associations have chosen an accredited provider of
savings accounts
- 3.5 Sports organisations
- Introduction
- Analysis of partnerships
- The British Orienteering Federation maintains a relationship with the
Loughborough
- 3.6 Trade associations
- Introduction
- Analysis of partnerships
- The involvement of trade associations in personal mortgages and savings
is very limited
- 3.7 Trade unions
- Introduction
- Analysis of partnerships
- Three mortgage providers possess more than one distribution deal with
trade unions although many are limited to a single relationship only
- In three cases, credit unions are affiliated to trade unions
- 3.8 Universities
- Introduction
4.0 FINANCIAL PARTNERS
- 4.1 Banks
- Introduction
- Analysis of partnerships
- Citibank, through its partnership with John Charcol, is unique in using
a mortgage broking model
- 4.2 Building societies.
- Introduction
- Analysis of partnerships
- Only two building societies have shifted to a brokerage model although
more could follow
- 4.3 Credit unions
- Introduction
- Four Scottish credit unions offer mortgages to their members, two
through external brokers
- 4.4 Friendly societies
- Introduction
- Analysis of partnerships
- Three friendly societies have discontinued involvement in mortgage
broking since 2008
- Police Mutual' s cash ISA is offered in conjunction with the Skipton
- 4.5 Insurance companies
- Introduction
- Analysis of partnerships
- Seven insurance brands are active in the mortgage sector in one form or
another although the number drops to five for savings accounts
- 4.6 Online aggregators and brokers
- Introduction
- Analysis of partnerships
- London & Country Mortgages lays claim to a trio of external relationships
- For savings accounts, six firms possess exclusive deals but none holds
more than one
- 4.7 Packaged accounts and payment cards
- Introduction
- 4.8 Pawnbrokers, cheque cashers and providers of foreign exchange and
remittance services
- Introduction
- 4.9 Specialized lenders
- Introduction
- Specialized lenders focus exclusively on the distribution of their own
products
5.0 COMMERCIAL ENTITIES
- 5.1 Airlines
- Introduction
- 5.2 Automotive associations
- Introduction
- Analysis of partnerships
- Two automotive associations have developed affinity mortgage or savings
products
- 5.3 Automotive dealers, repair shops and supermarkets
- Introduction
- Kwik Fit has discontinued its mortgage distribution relationship with
Moneysupermarket.com
- 5.4 Automotive manufacturers
- Introduction
- BMW no longer offers its own savings account
- 5.5 Estate agents
- Introduction
- Analysis of partnerships
- All but a handful of estate agencies maintain links with a captive or
external mortgage broker
- among which appointed representatives of two financial networks are
fairly widespread
- Openwork is among the top three distributors for a majority of major
mortgage providers
- 5.6 Football clubs
- Introduction
- Analysis of partnerships
- Several clubs' multi-product financial services divisions have closed
after a brief existence
- The Britannia has expanded its roster of football club partners for
mortgages
- Over two thirds of football clubs offer affinity savings accounts to
their supporters
- 5.7 Internet, media and telecoms entities
- Introduction
- Analysis of partnerships
- Almost all entities distributing mortgages in this category have opted
for a brokerage model with four providers having established more than one
mortgage searching deal each
- The Co-operative Bank and Emma' s Diary kicked off their partnership in
November 2009
- Moneysupermarket.com is the most prolific partner in the field of
savings accounts
- 5.8 Online price comparison providers
- Introduction
- Analysis of partnerships
- Few online price comparison providers offer searching facilities for
mortgages or savings accounts
- 5.9 Retailers
- Introduction
- Analysis of partnerships
- Mortgage lending has not yet entered the mainstream retailer financial
services sector although several major retail chains in the UK have
developed a savings proposition including both Marks & Spencer, by means of
its partnership with HSBC and WH Smith, which has been collaborating with
NS&I since August 2007
- Sainsbury' s Bank has achieved a better level of profitability during
2008 and 2009
- Tesco Bank will become a very significant challenger to incumbent retail
banks in the UK
- 5.10 Travel companies
- Introduction
- 5.11 Utilities companies
- Introduction
- 5.12 Other commercial entities
- Introduction
- Branded conglomerates
- Four diverse organisations are now classified as ' branded conglomerates'
with Virgin planning an ambitious expansion of its financial services
activities which may bring about an end to its long-standing corporate
partnership with RBS
- Loyalty schemes
- The loyalty schemes category includes programs based around leisure,
shopping and travel
- AIRMILES, ipoints and Nectar have very different profiles and histories
- Both ipoints and Nectar allow members to accumulate points by taking out
savings accounts
- The Post Office
- A large question mark hangs over the Post Office' s relationship with
Bank of Ireland as the UK government moots plans to use its network for a
' people' s bank'
GRAPHICS / TABLES
- The affinity and partnership marketing universe
- Entities contacted for the research, segmented by broad category
- Affinity and partnership marketing schemes for mortgages in the UK:
penetration by type of partner
- Affinity and partnership marketing schemes for mortgages in the UK:
segmentation by operating model and
- competitor
- Affinity and partnership marketing schemes for savings accounts in the UK:
penetration by type of partner
- Affinity and partnership marketing schemes for savings accounts in the UK:
segmentation by operating model and
- competitor
- Charities offering mortgages through partnerships
- Charities offering savings accounts: penetration, operating models and
share of partnerships
- Lifestyle organisations offering mortgages or savings accounts through
partnerships
- Political parties offering mortgages or savings accounts through
partnerships
- 3.4 Professional associations
- 28 professional associations possess in excess of 30,000 individual members
- Professional associations offering mortgages: penetration, operating
models and share of partnerships
- Professional associations offering savings accounts through partnerships
- Sports organisations offering mortgages or savings accounts through
partnerships
- The top 75 trade associations in the UK ranked by member numbers, 2010
(data)
- The top 75 trade associations in the UK ranked by member numbers, 2010
(data) (continued)
- Trade associations offering mortgages through partnerships
- The top 40 trade unions in the UK ranked by member numbers, 2010 (data)
- Trade unions offering mortgages: penetration, operating models and share
of partnerships
- Trade unions offering savings accounts: penetration, operating models and
share of partnerships
- Building societies offering mortgages: penetration, operating models and
share of partnerships
- The top 20 credit unions in the UK ranked by member numbers (data)
- The top 25 friendly societies in the UK ranked by member numbers, 2008
(data)
- Friendly societies offering savings accounts through partnerships
- Insurance companies offering mortgages: penetration, operating models and
share of partnerships
- Insurance companies offering savings accounts through partnerships
- Online aggregators and brokers offering mortgages: penetration, operating
models and share of partnerships
- Online aggregators and brokers offering savings accounts: penetration,
operating models and share of
- partnerships
- Automotive associations offering mortgages or savings accounts through
partnerships
- Estate agents offering mortgages: penetration, operating models and share
of partnerships
- Football clubs offering mortgages: penetration, operating models and share
of partnerships
- Football clubs offering savings accounts: penetration, operating models
and share of partnerships
- Internet, media and telecoms entities offering mortgages: penetration,
operating models and share of partnerships
- Internet, media and telecoms entities offering savings accounts:
penetration, operating models and share of
- partnerships
- Online price comparison providers offering mortgages or savings accounts
through partnerships
- Retailers offering mortgages: penetration, operating models and share of
partnerships
- Retailers offering savings accounts: penetration, operating models and
share of partnerships
- Branded conglomerates offering mortgages or savings accounts through
partnerships
- Loyalty schemes offering mortgages or savings accounts through partnerships
|
