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市場調查報告書

富裕階級的銀行

Insight Report: Banking the Mass Affluent

出版商 Timetric 商品編碼 329156
出版日期 內容資訊 英文 39 Pages
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富裕階級的銀行 Insight Report: Banking the Mass Affluent
出版日期: 2015年04月29日 內容資訊: 英文 39 Pages
簡介

本報告提供大眾富裕階級的財務目標、行動、投資趨勢,以未來的財務必要條件為焦點,提供為了吸引富裕階級銀行採用的各種的策略調查分析、銀行的策略和商品的案例研究等系統性資訊。

第1章 摘要整理

第2章 全球富裕階級市場概要

  • 市場潛在性
  • 主要的財務上的課題
  • 進化的法律規範

第3章 銀行致力於富裕階級的理由

第4章 銀行以富裕階級消費者為目標的方法

  • 在難以捉摸的市場成功
  • 大眾富裕階級的詳細分析
  • 銀行的市場投資落後的理由

第5章 案例研究

  • Santander
  • Capitec Bank
  • HSBC
  • Citizens Bank
  • Bank of America
  • SunTrust Bank

第6章 銀行的前途

第7章 附錄

圖表

目錄
Product Code: VR1153MR

Timetric's 'Insight Report: Banking the Mass Affluent' analyzes the potential of mass affluent consumers in retail banking industry. Following the financial crisis, banks have been pressurized to re-evaluate their strategies and seek alternative sources of profit as economic conditions declined and competition increased. In this altered environment, banks have adopted various strategies to decrease operating costs and increase revenue potential. Consequently, the banks globally changed their business models to focus more on segments that yield larger profits. Mass affluent consumers are one such segment, offering significant profit potential compared to the mass market due to their relatively high income, frequent travel, and increased spending.

The report extensively details mass affluent consumers and their sub-groups, their various financial goals, behaviors and investment trends, and their future financial requirements. It includes in-depth analysis of various strategies adopted by banks across the world to attract mass affluent consumers. The use of digital technology in service delivery and the role of data analytics in determining future courses of action for banks are also extensively discussed. The report also diagnoses the limitations and hindrances faced by banks in designing customer-specific offerings, and includes case studies on strategies and products devised by banks to acquire mass affluent consumers.

Summary

Timetric's 'Insight Report: Banking the Mass Affluent' provides top-level market analysis, information and insights into mass affluent consumers in the retail banking industry. It covers:

  • An in-depth analysis of mass affluent consumers and trends they exhibit across the world.
  • Extensive analysis of mass affluent consumer sub-groups, and their diversified needs and requirements.
  • Detailed analysis of banking strategies to target mass affluent consumers.
  • Use of digital technology in delivering personalized products and services.
  • Analysis of mass affluent drivers, opportunities and challenges for retail banks.
  • Case studies of successful strategies by banks in targeting mass affluent consumers.
  • The outlook for mass affluent banking.

Scope

  • The report provides extensive coverage of banking strategies, products and services to target mass affluent consumers.
  • It includes examples of applications of digital technology and social media in product and service delivery.
  • It helps in understanding use of data analytics in determining consumer behavior and product design.
  • It analyzes issues and challenges faced by the banks in targeting mass affluent consumers.
  • It analyzes the effective customer acquisition and engagement strategies deployed by banks, in the form of case studies.

Reasons To Buy

  • Gain an understanding of the global market potential of mass affluent consumers.
  • Understand the needs, purchasing behavior and investment trends of mass affluent consumers.
  • Acquire in-depth knowledge of various customer-specific strategies, products and services employed by global banks to attract mass affluent consumers.
  • Gain insights into advancements of digital channels and use of data analytics in designing product offerings.
  • Identify best practices adopted by banks to maximize success in targeting mass affluent customers, in the form of case studies.

Table of Contents

1. Executive Summary

2. Global Snapshot of the Mass Affluent Market

  • 2.1. Market Potential of Mass Affluent Consumers
  • 2.2. The Mass Affluent - Key Financial Challenges
  • 2.3. Evolving Regulatory Framework

3. Why Banks Serve Mass Affluent Consumers?

4. How Should Banks Target Mass Affluent Consumers?

  • 4.1. Winning the Elusive Market
    • 4.1.1. Developing specialized menu of products and services
    • 4.1.2. Providing exemplary customer experience
    • 4.1.3. Offering personalized advice and assistance to consumers
    • 4.1.4. Engaging consumers through digital channels
  • 4.2. In-Depth Analysis of Mass Affluent Consumers
  • 4.3. Why Have Banks Been Slow to Capitalize on the Market?

5. Case Studies

  • 5.1. Santander Select - a mix of products and services for mass affluent consumers
  • 5.2. Capitec Bank - targeting the mass affluent for sustainable growth
  • 5.3. Product bundling - HSBC's linking of the Premium credit card with Premium banking
  • 5.4. Citizens Bank's expansion strategy to target mass affluent
  • 5.5. Bank of America simplified financial management with Merrill Edge
  • 5.6. SunTrust Bank's SummitView - a disruption in online financial planning platform

6. The Way Forward for Banks

7. Appendix

  • 7.1. Methodology
  • 7.2. Contact Timetric
  • 7.3. About Timetric
  • 7.4. Timetric's Services
  • 7.5. Disclaimer

List of Tables

  • Table 1: Impact of Regulation on Banks' Fee-Based Incomes
  • Table 2: Product Offerings for Mass Affluent Consumers
  • Table 3: Premium Credit Cards - Dynamics by Country
  • Table 4: Bundled Product Offerings for Mass Affluent Consumers
  • Table 5: Reward Programs for Mass Affluent Consumers
  • Table 6: Chase Margin Lending Facility
  • Table 7: Analysis of Mass Affluent Consumers
  • Table 8: Mass Affluent Consumers - Distribution Strategies and Focus Areas

List of Figures

  • Figure 1: Mass Affluent Populations and Population Percentages in Key Markets, 2014
  • Figure 2: Most Effective Media to Engage Consumers, 2013 vs 2016
  • Figure 3: Mass Affluent Consumers - Key Financial Challenges
  • Figure 4: Global Wealth Distribution, 2014
  • Figure 5: Credit Card Spending in the US and UK
  • Figure 6: Credit Scores of US Consumers
  • Figure 7: Impact of the Weak Economy on US Consumer Spending
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