Cover Image
市場調查報告書

南北美洲的零售店的消費者金融及銀行業市場

Retailer Consumer Finance and Banking in North and Latin America

出版商 Finaccord Ltd. 商品編碼 300206
出版日期 內容資訊 英文 133 pages
商品交期: 最快1-2個工作天內
價格
Back to Top
南北美洲的零售店的消費者金融及銀行業市場 Retailer Consumer Finance and Banking in North and Latin America
出版日期: 2014年03月01日 內容資訊: 英文 133 pages
簡介

本報告以南北美洲透過零售店的消費者金融及銀行業市場為焦點,以該地區12個國家(阿根廷,巴西,加拿大,智利,哥倫比亞,哥斯大黎加,厄瓜多,墨西哥,巴拉圭,秘魯,烏拉圭,美國)1400家著名零售品牌為對象,探討商店融資的施行狀況,彙整分析透過零售店的儲蓄存款,個人貸款,房屋抵押貸款,國際匯款的措施之最新資訊,為您概述為以下內容。

摘要整理

第1章 簡介

  • 報告的主題
  • 論點
    • 考察零售店的消費者取向金融及銀行業,以及零售市場之動向特殊性
  • 調查方法
    • 零售業者問卷調查
      • 將12個國家、12個領域、超過1400個零售品牌依離線專賣、線上專賣或二者複合銷售加以分類
  • 定義
    • 消費者取向金融及銀行業
    • 營業模式
    • 加重組合比例
  • PartnerBASE
  • Finaccord

第2章 地區概要

  • 消費者金融
    • 消費者金融服務提供率最高的是阿根廷和墨西哥
    • 以最高活用度為號召的是百貨商店和雜貨店
    • 比起離線專門品牌融資意願強的是複合型及線上專賣店
    • 約半數地區內消費者金融計劃是利用公司外部的合作企業,同時對旗下合作金融業者及內部資金方案態度積極的國家也相當多(美國是顯著的例外)
    • 美國Bill Me LaterとComenity Bank的duo佔壓倒性優勢,即使在細分化的地區市場上也佔有優勢
  • 銀行金融商品
    • 概況
      • 處理通用貸款、存款戶頭、房屋抵押貸款的品牌為少數派
      • 對零售店銀行金融顯出最大參與度的是秘魯及智利的零售品牌
  • 個人貸款,房屋抵押貸款,存款戶頭
  • 國際付款·匯款

第3章 阿根廷

  • 簡介
  • 消費者金融
  • 銀行金融商品

第4章 巴西

  • 簡介
  • 消費者金融
  • 銀行金融商品

第5章 加拿大

  • 簡介
  • 消費者金融
  • 銀行金融商品

第6章 智利

  • 簡介
  • 消費者金融
  • 銀行金融商品

第7章 哥倫比亞

  • 簡介
  • 消費者金融
  • 銀行金融商品

第8章 哥斯大黎加

  • 簡介
  • 消費者金融
  • 銀行金融商品

第9章 厄瓜多

  • 簡介
  • 消費者金融
  • 銀行金融商品

第10章 墨西哥

  • 簡介
  • 消費者金融
  • 銀行金融商品

第11章 巴拉圭

  • 簡介
  • 消費者金融
  • 銀行金融商品

第12章 秘魯

  • 簡介
  • 消費者金融
  • 銀行金融商品

第13章 烏拉圭

  • 簡介
  • 消費者金融
  • 銀行金融商品

第14章 美國

  • 簡介
  • 消費者金融
  • 銀行金融商品

第15章 附錄

  • 有力壟斷及合資企業
目錄
Product Code: report_rcfb_nla

Retailer Consumer Finance and Banking in North and Latin America is a report, based on a survey of over 1,400 prominent retail brands in 12 countries, about the provision of consumer finance at the point of sale by major retailers. Retailer initiatives in savings deposits, personal loans, mortgages and international remittances are also considered.

Countries covered are Argentina, Brazil, Canada, Chile, Colombia, Costa Rica, Ecuador, Mexico, Paraguay, Peru, Uruguay and the USA.

In total, the research identifies over 200 consumer finance schemes and over 180 product initiatives in retailer banking, thereby providing a definitive analysis of retailer consumer finance and banking in North and Latin America that goes far beyond the scope of previous published research.

Moreover, the PartnerBASE™ dataset that accompanies the report details each of the many retailer consumer finance and banking programs traced by Finaccord, specifying the operating models used by retailers and the identities and ultimate holding companies of the ultimate product providers in each case.

Key findings from the executive summary include:

  • Argentina hosts the retailers most likely to offer consumer finance with a provision rate of 23.5%, followed by Mexico at 22.9% and Paraguay at 20.0%;
  • working in conjunction, the US-based duo of Bill Me Later (run by PayPal and thus owned ultimately by eBay) and Alliance Data's Comenity Bank is identifiable as the most common provider of point-of-sale consumer finance in the Americas;
  • 53 different entities are reported as non-internal partners of retail brands for consumer finance schemes identified - many of these are entities in which the retail brands have no ownership stake although a total of 22 different captive and joint venture providers are visible in consumer finance, with 15 also active in retailer banking, and with some overlap between these two groups;
  • at 12.8% of department store and variety retail brands researched, this is the retailer category that is most likely to be involved in mainstream banking, followed by supermarket and hypermarket brands, at 11.8%.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
    • Rationale arises both from factors specific to consumer finance and banking and from dynamics in the retailing market itself
  • Methodology
    • Survey of retailers
      • The survey's scope covers over 1,400 major retail brands drawn from ten categories and 12 countries and classified according to their use of offline-only, online-only or mixed distribution models
  • Definitions
    • Consumer finance and banking
    • Operating models
    • Weighted shares
  • PartnerBASE
  • Finaccord

2.0 REGIONAL OVERVIEW

  • Consumer finance
    • Provision rates for consumer finance are highest in Argentina and Mexico.
    • Department store and variety retailers feature the highest rates of activity
    • Mixed and online-only retailers are more likely to offer finance than are offline-only brands
    • Around a half of consumer finance programs in the region make use of external partners albeit with the notable exception of the US, many countries show a preference for captive partners or internally-funded schemes
    • The duo of Bill Me Later and Comenity Bank is largely dominant in the US which means that it is also dominant in the fragmented regional market
  • Banking products
    • Overview
      • General-purpose loans, savings accounts and mortgages are on offer from a minority of brands
      • Retail brands in Peru and Chile display the greatest rates of involvement in retailer banking
    • Personal loans, mortgages and savings accounts
      • Captive banks account for more than a half of the total number of initiatives identified with these most numerous among retail brands in the supermarket / hypermarket category
      • A variety of different partners are involved in retailer banking initiatives in North and Latin America
    • International payments / remittances
      • Where international remittance services are offered, external providers are normally used
      • Major retail brands in five out of 12 countries have developed a proposition in this arena
      • Western Union and MoneyGram are the partners used most regularly by partners from the retail sector

3.0 ARGENTINA

  • Introduction
  • Consumer finance
    • Argentina hosts the highest provision rate for point-of-sale finance among major brands in the Americas with most initiatives organised via internally-funded schemes or captive finance providers
    • A half of categories surveyed host retail brands with involvement in non-card consumer finance
  • Banking products
    • Overview
      • Three major retail brands in Argentina offer general-purpose personal loans to their customers...
    • Personal loans, mortgages and savings accounts with all utilising external partners in this context
    • International payments / remittances
      • Walmart and its subsidiary Changomas both offer international payment services through Western Union

4.0 BRAZIL

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are substantially below those found for retailer credit cards
    • No single provider of consumer finance is a clear market leader by number of partnerships
    • Midway Financeira is a substantial player in retailer financial services in Brazil as is LuizaCred, a joint venture between Magazine Luiza and Itaú Unibanco
    • The strength of the partnerships of Caixa Econômica Federal make it the leader after weighting
    • Department stores and variety retailers claim the highest provision rate for consumer finance
  • Banking products
    • Overview
      • Five major retail brands in Brazil offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts all of which are active in the field of general-purpose personal loans
      • International payments / remittances

5.0 CANADA

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are markedly lower than the average for North and Latin America with only six providers found to be active in this sphere
    • Over 2 million customers have acquired financial services from President's Choice Financial
    • Canadian Tire's entire financial services business secures well over CAD 200 million in gross revenues
    • Ranked second in the weighted analysis, Bill Me Later holds key several partnerships with online retailers
    • Speciality retailers feature the highest provision rate for consumer finance.
  • Banking products
    • Overview
      • The distribution of mainstream banking products is limited to two major retailer groups...
    • Personal loans, mortgages and savings accounts albeit these encompass as many as 14 separate brands
      • CIBC benefits from its long-standing relationship with President's Choice Financial
    • International payments / remittances
      • As with mainstream banking products, retailers in the Weston group are active in international payments using the Interac e-Transfer service, a relative of Canada's major debit card network
      • Western Union is the other provider used in this field by major retail brands in Canada

6.0 CHILE

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are much lower than those for retailer payment cards with the same captive providers used by retailers where both are offered
    • Banco Paris is the leader in terms of both unweighted and weighted share of partnerships
    • Only three categories host any retail brands with involvement in non-card consumer finance
  • Banking products
    • Overview
      • Ten retail brands in Chile offer general-purpose personal loans to their customers...
    • Personal loans, mortgages and savings accounts with the same captive providers involved as for payment cards and consumer finance
    • International payments / remittances
      • Both MoneyGram and Western Union have signed up major Chilean retailers as distributors
      • Falabella's fast-growing bank provides a basis for cross-selling banking products
      • Financial services account for around 3% of Cencosud group's total revenues and also make a very significant contribution to the revenues of the Ripley group

7.0 COLOMBIA

  • Introduction
  • Consumer finance
    • A handful of major retail brands in Colombia have established point-of-sale finance schemes with a variety of operating models in evidence in this context
    • Only four categories host any retail brands with involvement in non-card consumer finance
  • Banking products
    • Overview
      • Major retailers involved in this field are most likely to offer general-purpose personal loans
    • Personal loans, mortgages and savings accounts with captive providers by far the most commonly cited operating model
    • International payments / remittances

8.0 COSTA RICA

  • Introduction
  • Consumer finance
    • Grupo Aval's BAC Credomatic is the most visible partner used for retailer consumer finance
  • Banking products
    • Overview
      • Citibank promotes general-purpose personal loans via department store Aliss
    • International payments / remittances

9.0 ECUADOR

  • Introduction
  • Consumer finance
    • A number of retailers offer point-of-sale finance through internally-funded schemes
  • Banking products
    • International payments / remittances

10.0 MEXICO

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are above the regional average with most retailers relying upon captive partners or internally sourced provision while a government-backed finance scheme is also a notable player in this field
    • Banco Walmart is comfortably the most prominent provider of consumer finance in weighted terms
    • Schemes for consumer finance are largely concentrated in two retailer categories
  • Banking products
    • Overview
      • Ten major retail brands in Mexico offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts with almost all marketing savings accounts but none mortgages
      • Banco Azteca has expanded its distribution reach to more than 1,400 branches since launch helping both consumer loans outstanding and pre-tax profits to surge in recent years
      • BanCoppel has also experienced a rapid increase in both its loan book and profitability although the progress made by Banco Famsa has been slightly less eye-catching and Banco Walmart remains loss-making despite strong growth in consumer loans
      • The four captive banks outgun Banamex in the analyses of provider partnerships
    • International payments / remittances
      • Both MoneyGram and Western Union have signed up important Mexican retailers as distributors while two retail brands have established their own services in this domain

11.0 PARAGUAY

  • Introduction
  • Consumer finance
    • One in five major retailers in Paraguay offer point-of-sale personal finance to their customers
  • Banking products
    • International payments / remittances

12.0 PERU

  • Introduction
  • Consumer finance
    • The popularity of retailer payment cards depresses the need for non-card point-of-sale finance which explains why only one external partner is involved in it
  • Banking products
    • Overview
      • Seven retail brands in Peru offer both personal loans and savings accounts to their customers...
    • Personal loans, mortgages and savings accounts with all seven using captive banks in this context
      • International payments / remittances

13.0 URUGUAY

  • Introduction
  • Consumer finance
    • State-owned BROU has a partnership in this field with fuel distributor ANCAP
  • Banking products
    • International payments / remittances

14.0 USA

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are markedly lower those for retailer payment cards with PayPal's Bill Me Later service by far the largest provider in this domain and with a small number of other finance providers making up the rest of the market
    • Comenity Bank, a major US retail payment card issuer, funds Bill Me Later's consumer lending
    • Ranked second in the weighted analysis, WhyNotLeaseIt holds several important partnerships
    • The consumer electronics sector features the highest provision rate for consumer finance
  • Banking products
    • Overview
      • Over 20 major retailers have an arrangement in the field of international remittances...
    • Personal loans, mortgages and savings accounts but relatively few distribute mainstream banking products
      • Walmart's Bluebird joint venture with American Express now functions as a deposit-taking bank
    • International payments / remittances
      • Both MoneyGram and Western Union have secured multiple major retail brands as distributors while department store Curacao operates its own captive international remittance service

15.0 APPENDIX

  • Major captives and joint ventures
    • 22 captive or joint venture consumer finance providers are active in North and Latin America some of which also offer mainstream banking products

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Retailers researched in North and Latin America, segmented by category, country and distribution model, 2014

2.0 REGIONAL OVERVIEW

  • Retailer consumer finance in North and Latin America: provision by country, 2014
  • Retailer consumer finance in North and Latin America: provision by retailer category and distribution model, 2014
  • Retailer consumer finance in North and Latin America: provision rate and operating models, 2014
  • Retailer consumer finance in North and Latin America: operating models by country, 2014
  • Retailer consumer finance in North and Latin America: unweighted and weighted provider share of partnerships, 2014
  • Retailer banking in North and Latin America: provision by product type, 2014
  • Retailer banking in North and Latin America: provision by country, 2014
  • Retailer personal loans, mortgages and savings accounts in North and Latin America: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in North and Latin America: operating models by country, 2014
  • Retailer personal loans, mortgages and savings accounts in North and Latin America: provision by retailer category and distribution model, 2014
  • Retailer personal loans, mortgages and savings accounts in North and Latin America: unweighted and weighted provider share of partnerships, 2014
  • Retailer international payments / remittances in North and Latin America: provision and operating models, 2014
  • Retailer international payments / remittances in North and Latin America: provision by country, 2014
  • Retailer international payments / remittances in North and Latin America: provision by retailer category and distribution model, 2014
  • Retailer international payments / remittances in North and Latin America: unweighted and weighted provider share of partnerships, 2014

3.0 ARGENTINA

  • Retailer consumer finance in Argentina: provision rate and operating models, 2014
  • Retailer consumer finance in Argentina: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Argentina, 2014
  • Retailer provision of other banking products and services in Argentina, 2014
  • Retailer personal loans, mortgages and savings accounts in Argentina: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Argentina: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Argentina, 2014
  • Retailer international payments / remittances in Argentina: provision and operating models, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Argentina, 2014

4.0 BRAZIL

  • Retailer consumer finance in Brazil: provision rate and operating models, 2014
  • Retailer consumer finance in Brazil: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Brazil, 2014
  • Retailer provision of other banking products and services in Brazil, 2014
  • Retailer personal loans, mortgages and savings accounts in Brazil: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Brazil: unweighted and weighted provider share of partnerships, 2014

5.0 CANADA

  • Retailer consumer finance in Canada: provision rate and operating models, 2014
  • Retailer consumer finance in Canada: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Canada, 2014
  • Retailer provision of other banking products and services in Canada, 2014
  • Retailer personal loans, mortgages and savings accounts in Canada: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Canada: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Canada, 2014
  • Retailer international payments / remittances in Canada: provision and operating models, 2014
  • Retailer international payments / remittances in Canada: unweighted and weighted provider share of partnerships, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Canada, 2014

6.0 CHILE

  • Retailer consumer finance in Chile: provision rate and operating models, 2014
  • Retailer consumer finance in Chile: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Chile, 2014
  • Retailer provision of other banking products and services in Chile, 2014
  • Retailer personal loans, mortgages and savings accounts in Chile: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Chile: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Chile, 2014
  • Retailer international payments / remittances in Chile: provision and operating models, 2014
  • Retailer international payments / remittances in Chile: unweighted and weighted provider share of partnerships, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Chile, 2014

7.0 COLOMBIA

  • Retailer consumer finance in Colombia: provision rate and operating models, 2014
  • Retailer consumer finance in Colombia: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Colombia, 2014
  • Retailer provision of other banking products and services in Colombia, 2014
  • Retailer personal loans, mortgages and savings accounts in Colombia: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Colombia: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Colombia, 2014

8.0 COSTA RICA

  • Retailer consumer finance in Costa Rica: provision rate and operating models, 2014
  • Retailer consumer finance in Costa Rica: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Costa Rica, 2014
  • Retailer provision of other banking products and services in Costa Rica, 2014
  • Retailer personal loans, mortgages and savings accounts in Costa Rica: provision and operating models, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Costa Rica, 2014

9.0 ECUADOR

  • Retailer consumer finance in Ecuador: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Ecuador, 2014

10.0 MEXICO

  • Retailer consumer finance in Mexico: provision rate and operating models, 2014
  • Retailer consumer finance in Mexico: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Mexico, 2014
  • Retailer provision of other banking products and services in Mexico, 2014
  • Retailer personal loans, mortgages and savings accounts in Mexico: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Mexico: unweighted and weighted provider share of partnerships, 2014
  • Retailer international payments / remittances in Mexico: provision and operating models, 2014
  • Retailer international payments / remittances in Mexico: unweighted and weighted provider share of partnerships, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Mexico, 2014

11.0 PARAGUAY

  • Retailer consumer finance in Paraguay: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Paraguay, 2014

12.0 PERU

  • Retailer consumer finance in Peru: provision rate and operating models, 2014
  • Retailer consumer finance in Peru: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Peru, 2014
  • Retailer provision of other banking products and services in Peru, 2014
  • Retailer personal loans, mortgages and savings accounts in Peru: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Peru: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Peru, 2014

13.0 URUGUAY

  • Retailer consumer finance in Peru: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Uruguay, 2014

14.0 USA

  • Retailer consumer finance in the US: provision rate and operating models, 2014
  • Retailer consumer finance in the US: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in the US, 2014
  • Retailer provision of other banking products and services in the US, 2014
  • Retailer personal loans, mortgages and savings accounts in the US: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in the US: unweighted and weighted provider share of partnerships, 2014
  • Retailer international payments / remittances in the US: provision and operating models, 2014
  • Retailer international payments / remittances in the US: unweighted and weighted provider share of partnerships, 2014
  • Provision of international payments / remittances by retailer category and distribution model in the US, 2014

15.0 APPENDIX

  • Retailer captives and joint ventures for consumer finance in North and Latin America: countries active, operating models, and ownership, 2014
  • Retailer captives and joint ventures for banking products in North and Latin America: countries active, operating models, and ownership, 2014
  • Retailer captives and joint ventures for international payments / remittances in North and Latin America: countries active, operating models, and ownership, 2014
Back to Top