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Mass Affluents: Attitudes and Needs in the UK

出版商 GlobalData 商品編碼 358427
出版日期 內容資訊 英文 21 Pages
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英國的大眾富裕階級:資產市場的想法方面及需求 Mass Affluents: Attitudes and Needs in the UK
出版日期: 2016年05月26日 內容資訊: 英文 21 Pages

英國國內的大眾富裕階級,與零售金融市場全體比較,展現對金融商品 (投資、保險、信用卡、存款戶頭等) 活用的更積極態度,實際的持有額也比市場平均高。具體來說為了退休金和未來投資的積蓄的存款戶頭金額達到平均的2倍以上。IT利用度也很高,選擇網路銀行的趨勢變強。如果有有利條件也可換為其他企業這樣的想法強,新加入企業為了取得大眾富裕階級需要採取積極的價格策略。還有沿著大眾富裕階級的需求、想法,應準備自動應答型的投資建議工具和有成本效率的服務。



  • 人口結構與整體想法
  • 金融商品的偏好
  • 對新加入企業、IT利用的態度
  • 財務管理
Product Code: VF0053IA


Mass affluent populations around the world are growing in size, making them an increasingly important segment for financial providers. These consumers possess more financial products than average, maintain higher levels of savings and investments, and are more likely to use added-value services. This makes them an attractive and profitable segment to target.

Key Findings

  • Mass affluents in the UK hold significantly more product types than retail consumers, with the greatest differentials for investments, insurance products, credit cards, and savings accounts. Providers should consider offering robo-advice investment tools to cost-effectively service their needs.
  • Mass affluents are nearly twice as likely as retail consumers to be using a savings account to fund their retirement and to fund a future investment. Banks can help by adding savings goal features that allow savers to monitor their progress and that use prompts and notifications to modify behavior where necessary.
  • Mass affluents are more willing than retail consumers to consider switching to a digital-only bank. Competitive rates will play a decisive role in persuading mass affluents to switch to a newly established provider, meaning new entrants will have to compete aggressively on price to win over mass affluents.


Verdict Financial's "Mass Affluents: Attitudes and Needs in the UK" is one of a series of snapshots offering insight into the mass affluent consumer segment in the UK. It examines mass affluents' detailed attitudes towards personal finance. This snapshot is based on findings from our 2015 Retail Banking Insight Survey.

The snapshot offers insight into:

  • Mass affluents' product preferences and motivations for taking out specific products.
  • Attitudes towards digital channels and new entrants.
  • Preferences with respect to using financial management services.

Reasons To Buy

  • Improve your targeting of mass affluents in the UK by learning about their preferences and attitudes to financial services.
  • Identify the key drivers that motivate mass affluents to purchase key financial products.
  • Learn how likely they are to switch to a new provider and their reasons for doing so.

Table of Contents

  • Demographics and Overall Attitudes
  • Product Preferences
  • Entrants and Technology
  • Financial Management
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