Global Information
회사소개 | 문의

금융 서비스 시장 : 아프리카계 미국인

The Financial Services Market: African Americans

리서치사 Packaged Facts
발행일 2018년 12월 상품 코드 761404
페이지 정보 영문 106 Pages
가격
US $ 4,750 ₩ 5,428,000 PDF by E-mail (Single User License)
US $ 7,125 ₩ 8,143,000 PDF by E-mail (Site License - 1 Location, 10 Users)
US $ 9,500 ₩ 10,857,000 PDF by E-mail (Corporate License)


금융 서비스 시장 : 아프리카계 미국인 The Financial Services Market: African Americans
발행일 : 2018년 12월 페이지 정보 : 영문 106 Pages

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

미국 금융 서비스(Financial Services) 시장의 아프리카계 미국인 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

  • 본 장에서 표시되는 데이터에 관한 주석
  • 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

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

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
Back to Top
전화 문의
F A Q