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금융 서비스 시장 : 아프리카계 미국인 및 히스패닉

The Financial Services Market: African Americans and Hispanics

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발행일 2018년 12월 상품 코드 761403
페이지 정보 영문 128 Pages
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금융 서비스 시장 : 아프리카계 미국인 및 히스패닉 The Financial Services Market: African Americans and Hispanics
발행일 : 2018년 12월 페이지 정보 : 영문 128 Pages

아프리카계 미국인 세대의 자산은 2010-2019년에 70%의 확대가 예측되며, 순자산이 10만 달러 이상인 세대수는 2018년에 470만 세대를 웃돌 전망입니다. 히스패닉 세대의 자산은 2010-2019년에 90% 이상의 확대가 예측되며, 순자산이 10만 달러 이상인 세대수는 2018년에 350만 세대를 웃돌 것으로 예측됩니다.

미국 금융 서비스(Financial Services) 시장의 아프리카계 미국인 및 히스패닉 부문에 대해 조사했으며, 순자산, 자산 및 부채 동향에 대해 은행과의 관계성, 자금운용·금융기관·차별에 대한 태도, 결제 선호도, 모바일 뱅킹·애플리케이션·월렛 이용에 관한 조사를 바탕으로 분석했습니다.

주요 요약

자금운용, 금융기관 및 차별에 대한 태도

  • 자금운용, 금융위험 및 금융기관에 대한 태도
  • 차별의 인식

자산 동향

  • 순자산 예측
  • 순자산 동향 : 소비자 금융의 연방준비금 조사(Federal Reserve Survey of Consumer Finances)
  • 순자산 동향 : 소비자의 결제수단선택 조사(Diary of Consumer Payment Choice)
  • 순자산 세분화 동향

자산 및 부채 동향

  • 자산과 부채
  • 주택 보유
  • 은행/투자 계좌 보유
  • 주식 및 유동 자산

은행과의 관계

  • 국립은행, 신용조합, 지방은행 및 인터넷은행의 이용
  • 주거래은행 선택의 이유
  • 당좌예금 계좌를 개설하는 중요한 요인
  • 당좌 차월/대월액

모바일 뱅킹, 월렛 및 애플리케이션

  • 온라인 및 모바일 뱅킹
  • 모바일 월렛 애플리케이션
  • 뱅킹/금융 애플리케이션

결제 수단의 선택

  • 소비자의 결제 수단 : 결제 기관별
  • 1인당 결제액 : 인종/민족별
  • 아프리카계 미국인 소비자의 결제 수단 : 결제 기관별
  • 히스패닉 소비자의 결제 수단 : 결제 기관별

신용카드 사용자의 월렛셰어(지갑점유율) 및 순자산

  • 신용카드 사용자, 사용자 1인당 카드수 및 월렛셰어
  • 리볼빙 결제 이용자(Revolvers) vs. 일괄 결제 이용자(Transactors)
  • 신용카드 사용자의 순자산 : 인종/민족별

부록

KSM 19.01.11

Multicultural consumers-particularly African American and Hispanic 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. Likewise, rising household incomes and increasing wealth translate to a need for the financial services industry to target Hispanic consumers across a wider and deeper range of products and services. Hispanic household wealth is expected to grow by more than 90% from 2010 to 2019, and the number of Hispanic households with a net worth of $100,000 or more is expected to top 3.5 million in 2018.

‘The Financial Services Market: African Americans and Hispanics ’ drills down into this population of multicultural consumers, examining household finances by demographic; analyzing net worth, asset, and debt trends; highlighting banking relationships and attitudes toward money management, financial institutions, and discrimination; and researching 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
    • Hispanic Consumers
      • Table: Attitudes Toward Money Management, Financial Risk, and Financial Institutions: All Adults vs. Hispanic Adults, 2009-2018
      • Table: Attitudes Toward Money Management, Financial Risk, and Financial Institutions: Hispanic Adults by Preferred Spoken Language, 2018
  • Perceptions of Discrimination
    • All Adult Consumers
    • African American Consumers
    • Hispanic Consumers
      • Table: Perceptions of Discrimination During Recent Contact with Financial Institutions by Race/Ethnicity, Age, and Household Income, 2018

Wealth Trends

  • 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
      • Table: U.S. Hispanic 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 ($), 2016
  • Net Worth Trends: Diary of Consumer Payment Choice
    • Introduction
    • All Adult Consumers
    • African American Consumers
    • Hispanic Consumers
      • Table: Total Net Worth, Net Non-Home Assets, Net Home Value, and Checking Account Balance by Race/Ethnicity ($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
    • Hispanic Household Net Worth Trends
      • Table: Hispanic Net Worth: Number and Share of Households by Net Worth Segment (2016 $), 2001-2016
      • Table: Average Hispanic Household Net Worth by Segment and Total Net Worth (2016 $), 2001-2016
    • African American and Hispanic Net Worth: Affluent Households
      • Table: Total, Average, and Median Net Worth: All Households vs. Affluent Households by Race/Ethnicity, 2016
      • Table: Affluent Share of Households and Total Net Worth by Race/Ethnicity ($tril), 2016
    • African American and Hispanic Net Worth: 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
    • African American Households
    • Hispanic Households
      • 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
      • 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
    • Hispanic Consumers
      • Table: Banking/Investment Account Ownership: Hispanic Adults by Account Value and Generation (mil), 2018
      • Table: Banking/Investment Account Ownership: Hispanic 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
    • All Consumers
    • African American Consumers
    • Hispanic Consumers
      • Table: Bank Usage, by Bank Type and Race/Ethnicity (mil), 2018
    • African American Consumers: Demographic Analysis
      • Table: African American Bank Usage by Bank Type and Household Income, 2018
      • Table: African American Bank Usage by Bank Type and Generation, 2018
    • Hispanic Consumers: Demographic Analysis
      • Table: Hispanic Bank Usage by Bank Type and Household Income, 2018
      • Table: Hispanic Bank Usage by Bank Type and Generation, 2018
      • Table: Hispanic Bank Usage by Bank Type and Preferred Spoken Language, 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
    • Analysis by Household Income
      • 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
    • Analysis by Age
      • 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
    • Analysis by Household Income
      • Table: Negative Checking Account Balance and Overdraft Protection Methods: <$75K Household Income White, African American, and Hispanic Adults, 2018
    • Analysis by Age
      • 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: Hispanics vs. All Adults, by HH Income and Age, 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
  • Hispanic Consumer Payments by Payment Instrument
    • Table: Hispanic 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
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