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市場調查報告書

金融科技和轉帳卡:消費者的獲得競爭

Fintech and Debit Cards: Battling for Consumers' Attention

出版商 Mercator Advisory Group, Inc. 商品編碼 919259
出版日期 內容資訊 英文 16 Pages
商品交期: 最快1-2個工作天內
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金融科技和轉帳卡:消費者的獲得競爭 Fintech and Debit Cards: Battling for Consumers' Attention
出版日期: 2019年12月16日內容資訊: 英文 16 Pages
簡介

本報告提供金融科技提供的財務規劃應用程式的使用趨勢調查與對金融機關的影響,消費者取向規劃應用程式市場趨勢,應用程式中個人的銀行資料的利用疑慮,主要應用程式的檢討,由金融機關提供應用程式的可能性,對金融機關的建議等彙整資料。

調查內容的亮點

  • 市場趨勢:消費者取向財務規劃應用程式
  • 對規劃應用程式必要的銀行資料的利用
  • 金融科技的銀行的想法:提供財務建議、戶頭及存款的管理、信用的發行
  • 以支出的追蹤、儲蓄、投資為焦點的14個應用程式的評論
  • 銀行、信用金庫:成為更佳應用程式供應商的可能性

刊載企業、組織

  • Acorns
  • Albert
  • Amazon
  • Apple
  • Betterment
  • BMW Bank of North America
  • Citigroup
  • Digit
  • Dosh Every Dollar
  • Facebook
  • GasBuddy
  • Mint
  • Nelnet
  • Qapital
  • Robinhood
  • Sallie Mae Bank
  • Simple
  • SoFi
  • Square
  • Stanford Federal Credit Union
  • Stash
  • Trim
  • WEX Bank
  • You Need a Budget
目錄

Skirmish Between Banks and Fintechs over Financial Planning Apps.

New Mercator Advisory Group research report explores consumers' use of financial planning apps from fintech companies and its impact on financial institutions.

Consumers looking for help to manage debt, track their spending, create savings, or make inexpensive stock trades are in luck. The number of apps available to help them manage every aspect of their finances is growing seemingly exponentially. Many of them from financial technology companies, fintechs, that seek to disrupt the traditional banking industry. And many of these apps rely on access to users' banking data that users prefer to have updated automatically rather than type it in manually. Without mandated security standards like the open banking standards in the European Union, data ownership and the protection of that data are in question.

Fintech and Debit Cards: Battling for Consumers' Attention, a new research report from Mercator Advisory Group analyzes this new market, reviews a variety of apps budgeting, coupons and rewards, saving, and investing, and offers advice to banks and credit unions on ways to avoid disruption by the fintechs.

"The market for personal financial planning apps has matured in the last couple of years. The quality of the advice and interactions with users has really improved. These apps depend on getting the individual consumers' banking data, however, and that is raising questions about data ownership and security here in the United States, where open banking hasn't been codified," comments Sarah Grotta, Director, Debit and Alternative Products Advisory Service at Mercator Advisory Group, and author of the report.

This research report has 16 pages and 2 exhibits.

Companies mentioned in this report include: Acorns, Albert, Amazon, Apple, Betterment, BMW Bank of North America, Citigroup, Digit, Dosh Every Dollar, Facebook, GasBuddy, Mint, Nelnet, Qapital, Robinhood, Sallie Mae Bank, Simple, SoFi, Square, Stanford Federal Credit Union, Stash, Trim, WEX Bank, and You Need a Budget.

One of the exhibits included in this report:

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Highlights of the research report include:

  • Market trends in consumer financial planning apps
  • The use of banking data needed to feed the planning apps
  • Fintechs' consideration of banking charters not only to provide financial advice but also to manage the accounts, gather deposits, and issue credit
  • A review of 14 apps focused on spend tracking, savings, or investing
  • Why banks and credit unions could be better providers of these apps with the right solution
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