שוק הפיננסים והבנקאות Financial & Banking Newsflash
 
 
הקלק על התחום המעניין אותך על מנת לקרוא על ההתפתחויות החדשות כפי שהופיעו לאחרונה במחקרי שוק עולמיים:
שיווק בשירותים פיננסיים שיטות תשלום מתקדמות ביטוח כרטיסים פיננסים וקמעונאות הלוואות שימור לקוחות השפעות התפתחות ערוצי האונליין השפעת עידן האינטרנט על המגזר הפיננסי טכנולוגיה ומסחר פנסיה ניהול הון ולקוחות פרטיים פוקוס על צפון-אמריקה
 
 שיווק בשירותים פיננסיים 
The Younger Boomers Segment
From: Forget Older Baby Boomers: Younger Boomers Should Be the Focus of Aggressive Bank Marketing
While the Oldest Baby Boomer could be the mother or father of the Youngest Boomer, the breakout of two boomer segments has been only glancingly addressed in the financial services press. So while the industry has ostensibly courted the Boomers, it has, in fact, been singularly focused on Older Boomers. The 38 million Older Boomers and the 41 million Younger Boomers grew up in very different societies which conspicuously molded the psychographics of the two groups. That in turn drove the different educational, housing, asset accruals and retirement sources of each. Older Boomers got a booming, post-war economy and John Kennedy. Younger Boomers got the Oil Crisis and Richard Nixon.
 
 שיטות תשלום מתקדמות 
Mobile Payments
Mobile payment initiatives are percolating on a global basis. More pilots are being launched in developed countries. In emerging markets (e.g., Kenya, South Africa, Serbia, the Philippines), mobile payments are exploding by providing new payment-based services for users. Telco carriers, banks, and payment processors seek answers to make mobile payments a success.
From: Mobile Payments: Will Telco Carriers, Banks, and Payment Vendors Compete or Collaborate?
This Perspective provides the FinTech Advisor's weekly perspective on the financial services industry. It provides financial institutions with timely guidance about maximizing one's technology investments. This week's issue provides a comprehensive overview of payments advisory, along with recommendations for banks, payment processors, vendors, and telco carriers on how to analyze market opportunities and choose the best approach for mobile payments.
 
 ביטוח 
General Insurers
The profitability of the top 10 accident and health insurers deteriorated in 2006 due to increases in loss ratios. Combined ratios rose for the top 10 property insurers in 2006 due to rising expenses and claims however most players remained in profitable territory. Key reasons to read this report: Understand changes in average performance ratios; Benchmark your performance ratios against those of major competitors; Identify which insurers became more or less profitable in 2006.
From: Performance Ratio Benchmarking of the Top UK General Insurers 2007
Performance Ratio Benchmarking of the Top UK General Insurers 2007 provides the reader with an in-depth analysis of the performance ratios of the top 10 UK insurers across five major lines of business: accident and health, liability, motor, pecuniary loss and property insurance. Scope of this report: Data on 2006 loss, expense and combined ratios for the leading UK insurers; Insight into the underwriting efficiency of the top 10 UK insurers; Information on premium income changes for leading UK insurers in 2005 and 2006.
 
 כרטיסים 
Super Premium Cards
From: Super Premium Cards: Enhanced Products Try to Lock in Relationships
This report examines the recent emerging segment of super-premium credit cards in the U.S. These cards are defined by Mercator Advisory Group as having the following characteristics: Annual account spending of $50,000 or more; A significant accountholder relationship with the issuer or co-brand partner in terms of spending or assets; An exceptional level of rewards and service benefits to the cardholder; Prestige positioning of the product/account; High likelihood of a significant annual fee.
 
 פיננסים וקמעונאות 
Retail Banking
Retail Banking Competitor Tracker is a monthly product providing updates on key events relating to major and innovative players in the retail banking sector. Covering events such as M&A activity, market entries and withdrawals, partnerships, product innovation and customer targeting on a global basis, the Retail Banking Competitor Tracker provides succinct summaries of key stories.
From: Retail Banking Competitor Tracker: February 2008
Key reasons to read this report: Provides invaluable information on your closest competitors' strategies all in one place; Keeps track of how the competitive landscape is changing through M&A activities, partnerships and organic growth; Provides input to your product development by tracking the latest product innovations.
 
 הלוואות 
Person-to-Person
Peer-to-peer’, ‘person-to-person’ (P2P) lending is a means by which borrowers and lenders can transact directly without traditional financial intermediaries such as banks. P2P lending has two basic models; the ‘online marketplace’ model and the ‘friends and family’ model. Recent media coverage tips Peer 2 Peer Lending (P2P) to have a bigger impact on financial services than file sharing has had on the music industry.
From: Peer to Peer Lending
This report uses exclusive case studies, data and interviews from institutions, players, users, bloggers and industry experts from 30 different countries to answer the following questions. • What is P2P lending? Who are the main players? • What is their operating model and crucially their profitability projections? • What are the practical issues involved in building a large virtual community of lenders and borrowers, such as compliance, identity verification, credit screening, IT infrastructure, customer service and marketing? Can borrowers and lenders really be peers? • What short term lessons can financial services providers draw from P2P? • The future for P2P lending… is it an opportunity or a threat for the lending industry? How to blend P2P with other financial services? Can it be rolled out across the full range of mass market retail financial services?
 
 שימור לקוחות 
Customer Retention?
In the United States, charitable giving is on the increase due to the generosity of entrepreneurs. In 2006, charitable giving in the United States amounted to $289.5 billion, representing 2.2% of GDP, and an 11% increase on giving in 2005. Smith Barney appeals to emotive reasoning, highlighting mutual benefits: "We all have personal reasons for giving to charity, but many of us give out of a common desire to share our good fortune with others. And while our generosity can certainly improve the communities in which we live and work, it can also help us financially."
From: Philanthropy as a customer retention tool 2008
Philanthropy is growing worldwide. This brief presents the extent and characteristics of giving based on several important external studies, and proposes that wealth managers offering strong philanthropy services can retain their existing client base, and the children of those clients. Scope of this report: Sets the stage by highlighting the extent of charitable giving in US, Europe and Australia (secondary research). Explores motivations for philanthropic giving; Summarizes 5 banks' marketing of philanthropy services.
 
 השפעות התפתחות ערוצי האונליין 
High Interest Savings Accounts
Online banking made managing banking business even easier for consumers, as well as enabling new competitors to enter the market. Foreign banks, previously hampered by their lack of branch coverage, could now compete with the major Australian financial institutions. At the same time that lenders have refocused their efforts to attract deposit customers and become more risk-averse, consumers have become more cautious as a response to the uncertain financial outlook. A shaky stock market has helped shift consumer focus toward deposits. It is thus clear that both supply and demand for deposit products is rising.
From: Trends in High Interest Savings Accounts in Australia
The high interest deposit market is undergoing rapid change, driven by competition and technology. Online savings products have allowed a range of new players to enter the market, and have forced interest rates upward. The currently turbulent financial markets have sparked renewed interest in deposits, and so the high interest deposit market is set to continue being very competitive.
 
 השפעת עידן האינטרנט על המגזר הפיננסי 
Digital Marketplaces
Evaluating the drivers and identifying the best opportunities is critical. Financial institutions, FinTech vendors, cyber players, and investors are seeking the answers to ensure either survival or a successful ride on the next wave of disruptive success. This document will provide a framework that defines digital marketplaces for all three financial industry segments (banking, capital markets, and insurance) and offer guidance to financial institutions and FinTech and infrastructure vendors and investors.
From: How Will Digital Marketplaces Change the Game in Financial Services?
This Perspective provides the FinSights Advisor's weekly perspective on the financial services industry. It provides financial institutions with timely guidance about maximizing one's technology investments. This week's issue focuses on digital marketplaces. The evolution and migration of consumer and business activities into digital marketplaces is capturing an expanding share of the financial services marketplace.
 
 טכנולוגיה ומסחר 
"Buy-and-Pay"
Plastic payment swipes are ushering in a new world of self-service buy-and-pay applications, with American consumers increasingly using self-checkout stations at grocery stores, paying for travel through airport check-in kiosks, and renting movies from self-service DVD rental kiosks instead of traditional retail spaces. Snapshots are being developed at photo kiosks, and motorists are refueling their vehicles at pay-at-pump gas stations. Restaurant diners can order from touch-screens at fast-food chains and use hand-held, pay-at-table devices at sit-down restaurants. This new mode of self-service kiosk commerce is being built on ground already broken by ATMs and vending machines, both of which are going through both challenges and exciting developments in their own right. Well aware that helping customers serve themselves is big business, manufacturers are feverishly working to develop applications to compete in this burgeoning market. From retail to hospitality, from foodservice to transportation to entertainment, industries are eagerly seeking to install new self-service technologies in order to meet customer demand, jump ahead of competitors and save on labor costs.
From: The Self-Service "Buy-and-Pay" Market: Kiosk, Vending and Foodservice Trends in the U.S.
The report examines the historical origins, the coming trends and the occasional missteps of self-service commerce initiatives. It looks at who the major players are, discussing in depth the advantages and drawbacks of self-service programs. In addition, the report takes an in-depth look at trends in the payments industry in terms of how they relate to self-service applications.
 
 פנסיה 
The Personal Pensions Market
The overall market for personal pensions has been growing steadily over the last few years, although pension ownership amongst the adult population in the UK remains relatively low. SIPPs have become increasingly popular over the last few years, whilst stakeholder pensions have failed to achieve the success that many had hoped for. The reform of the UK pensions system is likely to have a major impact on the market, although uncertainty remains over what this might be. The UK’s ageing population is a particular concern for the government, whilst the long-term growth in personal disposable income bodes well for the market. The collapse and closure of occupational schemes has encouraged many to go the route of individual pensions, and regulatory changes like A-day, the Retail Distribution Review, and the Pensions White Paper have all made their mark on the industry. Consumer perceptions that products are complicated, coupled with a highly apathetic attitude towards retirement planning, are probably the main barriers to greater penetration - although if it were possible to make pensions sexy, someone would probably have done it by now.
From: Personal and Stakeholder Pensions - UK
This report looks in detail at the personal pensions market, exploring the many factors that influence the market and drive consumer demand. As well as internal and external market factors, regulatory developments are summarised. Competitive products are explored before looking at examples of innovation within the marketplace. A presentation of key company profiles follows alongside an analysis of market shares and distribution channels. This report also contains a dedicated section on branding in which the personality of individual brands as well as the characteristics of the wider industry is presented.
 
 ניהול הון ולקוחות פרטיים 
Entrepreneurs
Entrepreneurs are an attractive group for several reasons. The combination of personal and business concerns means that their financial needs are varied, encompassing portfolio management, estate planning, corporate finance and international services. This offers strong business potential for wealth managers. Increasingly, wealth management services for entrepreneurs are more likely to resemble institutional or corporate banking services. Private bankers recognise that entrepreneurs, particularly those in the wealth creation phase of their business life cycle, have limited liquidity and are most interested in strategies for growing their business.
From: Targeting Entrepreneurs in Wealth Management 2008: Western Europe and Asia-Pacific
In recent years, entrepreneurs have come to be seen as a key client segment for wealth managers, offering significant scope for future growth. This report explores some of the fundamental characteristics of entrepreneurs and business owners and considers how these clients' requirements are dictating the development of the wealth management proposition.
 
 פוקוס על צפון-אמריקה 
Canadian Institutes
The Canadian financial industry is growing and changing rapidly. In this report you will learn about some of the major developments impacting this industry including: The imminent retirement of the Baby Boomer generation that will require cash management services and products as opposed to cash acquisition services and products from financial institutions; Evolving Canadian financial services consumers that over the last several years have migrated from fiercely loyal to their "main" financial institution to "cherry-picking" products and services for each of their financial needs, and from different sources; Fierce competition within the sector: driven by consumers showing less loyalty; more financial services providers setting up shop in Canada; and the sub-prime mortgage and CDO fallout from the U.S. leaving many to ask, "Can it happen in Canada?"
From: Canadian Banks and Credit Unions - US
This report investigates potential drivers for growth: Market players and experts exclusively interviewed for this report believe that growth for most Canadian banks must come from expansion into foreign markets-as there are barely enough consumers in the population of Canada to justify the existence of five big banks; Growth for credit unions may come in the form of targeting small business loans.
 
Full industries index
Retail Banking: Banking Distribution, Deposits Mortgages, Regulation, SME Banking, Unsecured Lending
Cards and Payments: Bank Transfers, Card Issuance, Cash, Cheque, Merchant Acquiring, New Payment Technologies, Online Payments, P2P Payments, Security and Fraud
Client Side: Consumer Segmentation, Financial Services Consumer Insight
Savings and Investments: Asset Management and Funds, Offshore Financial Services, Retail Savings and Investments, Wealth Management and Private Banking
להרשמה לעדכונים לחצו כאן; להסרה מרשימת התפוצה לחצו כאן
© אדקיט ישראל בע"מ. 2008