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市場調查報告書

金融服務市場:非洲裔美國人

The Financial Services Market: African Americans

出版商 Packaged Facts 商品編碼 761404
出版日期 內容資訊 英文 106 Pages
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金融服務市場:非洲裔美國人 The Financial Services Market: African Americans
出版日期: 2018年12月14日內容資訊: 英文 106 Pages
簡介

非洲裔美國人家庭的資產,預計從2010年到2019年70%的擴大,淨資產10萬美元以上的家庭數,預計2018年超過470萬戶。

本報告提供美國的金融服務市場非洲裔美國人市場區隔的相關調查,淨資產,資產,及負債趨勢相關資料,銀行的關聯性,按照對資金營運、金融機關、差異的態度,及付款的愛好和行動銀行、應用、錢包的利用的相關調查分析。

摘要整理

對資金營運、金融機關、差異的態度

  • 資金營運,對金融風險,及金融機關的態度
  • 差異的認識

資產趨勢

  • 本章表現的資料的相關注記
  • 淨資產的預測
  • 淨資產趨勢:消費者金融的聯邦儲備金調查
  • 淨資產趨勢:消費者日記型的付款方式的選擇
  • 淨資產市場區隔趨勢

資產、負債趨勢

  • 資產和負債
  • 住宅持有
  • 銀行/投資講座持有
  • 股票、流動資產

銀行的關係

  • 國立銀行,信用合作社,地方銀行,及網際網路銀行的利用
  • 主要銀行選擇的理由
  • 開設支票帳戶的重要要素
  • 透支/透支金額

行動銀行、錢包、應用

  • 線上、行動銀行
  • 行動電子錢包應用
  • 銀行/金融應用

付款方式的選擇

  • 消費者的付款方式:各付款機關

信用卡用戶的錢包佔有率、淨資產

  • 信用卡用戶,用戶每人的卡數,及錢包的佔有率
    • 循環信用用戶 vs. 一次性付款用戶
    • 信用卡用戶的淨資產:各人種/民族

附錄

目錄
Product Code: LA15476362

African American consumers are a key financial services growth target. Buoyed by post-recession economic growth, African American household wealth is expected to grow by 70% from 2010 to 2019, and the number of African American households with a net worth of $100,000 or more is expected to top 4.7 million in 2018. Compared to that of earlier generations, African American Millennial wealth suggests advances and poses question marks: while mean household wealth is on par with the average U.S. household, median wealth is much lower. African American consumers also have unique banking preferences and payment preferences. The average African American adult makes $28,000 in payments each year, a disproportionate percentage of which relies on bank account drafts and debit cards. But they are also heavy cash users, providing outsized electronic payment opportunity. Household wealth plays a clear role in shaping those payment choices.

‘The Financial Services Market: African Americans ’ drills down into African American household finances by demographic, analyzes net worth, asset, and debt trends; banking relationships and attitudes toward money management, financial institutions, and discrimination; and payment preferences and mobile banking, app, and wallet use. Heavy emphasis is placed on market sizing. Examples include total household wealth by various race/ethnicity demographic segments; the dollar value of payments made by various payment instruments; and active credit card wallet share of revolvers and transactors, by race/ethnicity. As such, the report provides an important marketing tool that can be used to target populations across a wide variety of financial services and products.

Table of Contents

Executive Summary

  • Report Scope
  • Report Summary
    • Attitudes Toward Money Management, Financial Institutions, and Discrimination
    • Wealth Trends
    • Asset and Debt Trends
    • Banking Relationships
    • Mobile Banking, Wallets, and Apps
    • Payment Choices
    • Credit Card User Wallet Share and Net Worth

Attitudes Toward Money Management, Financial Institutions, and Discrimination

  • Attitudes Toward Money Management, Financial Risk, and Financial Institutions
    • All Adult Consumers
      • Table: Attitudes Toward Money Management, Financial Risk, and Financial Institutions: All Adults, 2009-2018
    • African American Consumers
      • Table: Attitudes Toward Money Management, Financial Risk, and Financial Institutions: All Adults vs. African American Adults, 2009-2018
      • Table: Attitudes Toward Money Management, Financial Risk, and Financial Institutions: African American Adults by Age and Household Income, 2018
  • Perceptions of Discrimination
    • All Adult Consumers
    • African American Consumers
      • Table: Perceptions of Discrimination During Recent Contact with Financial Institutions by Race/Ethnicity, Age, and Household Income, 2018

Wealth Trends

  • Note on data presented in this chapter
  • Net Worth Forecast
    • Table: Total and Average U.S. Household Net Worth by Race/Ethnicity, 2010 vs. 2019
    • Table: Total U.S. Household Net Worth and Net Worth Share by Race/Ethnicity, 2010 vs. 2019
    • 2010 vs. 2019 Comparisons, by Race/Ethnicity and Net Worth Segment
      • Table: U.S. White Household Net Worth: Total, Average, and HH Share, by Net Worth Segment, 2010 vs. 2019
      • Table: U.S. African American Household Net Worth: Total, Average, and HH Share, by Net Worth Segment, 2010 vs. 2019
  • Net Worth Trends: Federal Reserve Survey of Consumer Finances
    • Introduction
    • Total U.S. Household Net Worth Market Size
      • Table: Total U.S. Household Net Worth by Race/Ethnicity ($bil), 2013 vs. 2016
    • Median and Average Net Worth Trends
      • Table: Mean and Median HH Household Net Worth by Race/Ethnicity (2016 $), 2013 vs. 2016
    • Wealth Distribution
      • Table: Mean and Median Household Net Worth by Percentile Segment and Race/Ethnicity ($), 2016
    • Assets and Debt Snapshot
      • Table: Household Financial Profile by Race/Ethnicity ($), 2016
  • Net Worth Trends: Diary of Consumer Payment Choice
    • Introduction
    • All Adult Consumers
    • African American Consumers
      • Table: Total Net Worth, Net Non-Home Assets, Net Home Value, and Checking Account Balance by Race/Ethnicity ($bil), 2017
  • Net Worth Segmentation Trends
    • Introduction
    • African American Household Net Worth Trends
      • Table: African American Net Worth: Number and Share of Households by Net Worth Segment, 2001-2016
      • Table: Average African American Household Net Worth by Segment and Total Net Worth (2016 $1,000s), 2001-2016
    • Affluent Households
      • Table: Total, Average, and Median Net Worth: All Households vs. Affluent Households by Race/Ethnicity, 2016
      • Table: Affluent Share of Households and Total Net Worth by Race/Ethnicity ($tril), 2016
    • Generations
      • Table: Total, Average, and Median Household Net Worth by Generation, 2016
      • Table: Total, Average, and Median Household Net Worth: Millennials by Race/Ethnicity, 2016
      • Table: Total, Average, and Median Household Net Worth: Generation X by Race/Ethnicity, 2016
      • Table: Total, Average, and Median Household Net Worth: Baby Boomers by Race/Ethnicity, 2016
      • Table: Total, Average, and Median Household Net Worth: Silent Generation by Race/Ethnicity, 2016

Asset and Debt Trends

  • Assets and Debt
    • Table: Average Household Assets and Debt by Type and Race/Ethnicity (2016 $1,000s), 2013 vs. 2016
  • Homeownership
    • Table: Homeownership: Ownership Rate, Net Value, Value, and Debt by Race/Ethnicity (2016 $1,000s), 2016
    • Table: Total, Average, and Median Household Net Worth: Homeowners vs. Non-homeowners by Race/Ethnicity, 2016
  • Banking/Investment Account Ownership
    • Table: Banking/Investment Account Ownership by Account Value and Race/Ethnicity, 2018
    • African American Consumers: Demographic Drill Down
      • Table: Banking/Investment Account Ownership: African American Adults by Account Value and Generation (mil), 2018
      • Table: Banking/Investment Account Ownership: African American Adults by Account Value and Household Income (mil), 2018
  • Stocks and Liquid Assets
    • Liquid Assets
      • Table: Liquid Assets: Households That Own, Participation Rate, and Average Assets by Race/Ethnicity (2016 $), 2007 vs. 2016
    • Stocks
      • Table: Directly Held Stocks: Households That Own, Participation Rate, and Average Assets by Race/Ethnicity (2016 $), 2007 vs. 2016

Banking Relationships

  • National Bank, Credit Union, Local Bank, and Internet Bank Usage
    • Table: Bank Usage, by Bank Type and Race/Ethnicity (mil), 2018
    • African American Consumers: Demographic Drill Down
      • Table: African American Bank Usage by Bank Type and Household Income, 2018
      • Table: African American Bank Usage by Bank Type and Generation, 2018
  • Reasons for Choosing Primary Bank
    • Location, Location, Location
      • Table: Rationales for Choosing Primary Bank, 2014-2018
    • Rationales for Choosing Primary Bank by Race/Ethnicity
      • Table: Rationales for Choosing Primary Bank by Race/Ethnicity, 2018
  • Factors Important to Opening a Checking Account
    • Checking Builds the Foundation
    • Convenience Reigns
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account, 2018
    • African American Consumers: Demographic Drill Down
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account: <$75K Household Income by White, African American, and Hispanic Checking Account Holders, 2018
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account: $75K+ Household Income by White, African American, and Hispanic Checking Account Holders, 2018
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account: White, African American, and Hispanic Adults Age 18-34, 2018
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account: White, African American, and Hispanic Adults Age 35-54, 2018
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account: White, African American, and Hispanic Adults Age 55+, 2018
  • Overdraft
    • African American Consumers: Demographic Drill Down
      • Table: Negative Checking Account Balance and Overdraft Protection Methods: <$75K Household Income White, African American, and Hispanic Adults, 2018
      • Table: Negative Checking Account Balance and Overdraft Protection Methods: White, African American, and Hispanic Adults Age 18-34, 2018

Mobile Banking, Wallets, and Apps

  • Online and Mobile Banking
    • Online Banking Trends
      • Table: Online Banking in Last 30 Days, by Race/Ethnicity, 2010-2018
    • Mobile Banking Momentum
      • Table: Mobile Banking in Last 30 Days, by Race/Ethnicity, 2014-2018
  • Mobile Wallet Apps
    • Table: Mobile Wallet App Usage, by HH Income, Age, and Race/Ethnicity, 2018
    • Table: Mobile Wallet App Usage, by Brand, Age, and HH Income, 2018
  • Banking/Finance Apps
    • Table: Banking/Finance App Used in Last 30 Days, by Race/Ethnicity, 2014-2018
    • Table: Banking/Finance App Used in Last 30 Days: African American s vs. All Adults, by HH Income and Age, 2018

Payment Choices

  • Consumer Payments by Payment Instrument
    • Table: Consumer Payments by Payment Instrument: Average Amount Per Person, Monthly Payment Volume and Value, and Annual Payment Value ($), 2017
    • Table: Consumer Payments by Payment Instrument: Total Annual Payment Volume and Value ($bil), 2017
    • Per-Person Payment Value by Race/Ethnicity
      • Table: Monthly Per-Person Payment Value by Payment Instrument and Race/Ethnicity ($), 2017
    • African American Consumer Payments by Payment Instrument
      • Table: African American Consumer Payments by Payment Instrument: Average Amount Per Person, Monthly Payment Volume and Value, and Annual Payment Value ($), 2017

Credit Card User Wallet Share and Net Worth

  • Credit Card Users, Cards Per User, and Wallet Share
    • Table: Active Credit Card Users, Cards Per User, and Wallet Share by Card Network/Type and Race/Ethnicity, 2017
    • Revolvers vs. Transactors
      • Table: Credit Card Revolvers vs. Transactors: Active Credit Card Wallet Share by Race/Ethnicity, 2017
    • Credit Card User Net Worth, by Race/Ethnicity
      • Table: Active Credit Card Users: Net Worth, Home Value/Debt, and Non-Home Value/Debt by Race/Ethnicity ($), 2017

Appendix

  • Methodology
    • Consumer Survey Methodology
    • Key Sources
    • Population Estimates
    • Generations
      • Table: U.S. Generations, 2018
      • Table: Indexes
    • Abbreviations
      • Table: Report Abbreviations and Acronyms, 2017
    • Terms and Definitions
    • Card issuer
    • Card network
    • Compound annual growth rate
    • Deduction from income
    • Demand deposit account (DDA)
    • Electronic funds transfer (EFT)
    • General-purpose payment card
    • Interchange fee
    • Issuing bank
    • Merchant acquirer
    • Online banking bill payment
    • Prepaid card
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