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금융 서비스 시장 : 히스패닉

The Financial Services Market: Hispanics

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발행일 2018년 12월 상품 코드 761405
페이지 정보 영문 108 Pages
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금융 서비스 시장 : 히스패닉 The Financial Services Market: Hispanics
발행일 : 2018년 12월 페이지 정보 : 영문 108 Pages

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 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

  • 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
  • 1인당 결제액 : 인종/민족별
  • 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

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. However, homeowning Hispanic households have 16 times more wealth than non-homeowning Hispanic households. But while Hispanic consumers are more likely than average to use national banks, generational trends suggest that Bank of America is losing ground among younger Hispanics. And roughly half of the Hispanic payments by value are made via bank account drafts and debit cards-cost-effective payment choices that could be crowding out higher-margin payment options.

‘The Financial Services Market: Hispanics ’ drills down into Hispanic 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
    • 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
    • Hispanic 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
      • 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 ($), 2016
  • Net Worth Trends: Diary of Consumer Payment Choice
    • Introduction
    • All Adult Consumers
    • Hispanic Consumers
      • Table: Total Net Worth, Net Non-Home Assets, Net Home Value, and Checking Account Balance by Race/Ethnicity ($bil), 2017
  • Net Worth Segmentation Trends
    • Introduction
    • 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 $), 2001-2016
    • Affluent Households
      • Table: Total, Average, and Median Net Worth: All Households vs. Affluent Households by Race/Ethnicity, 2016
      • Table: Affluent Share of Households and Total Net Worth by Race/Ethnicity ($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
    • Hispanic Consumers: Demographic Drill Down
      • 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
    • Hispanic Consumers
      • Table: Bank Usage, by Bank Type and Race/Ethnicity (mil), 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
    • Hispanic Consumers: Demographic Analysis
      • 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
    • 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: Hispanics 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 ($), 2017
  • Hispanic Consumer Payments by Payment Instrument
    • Table: Hispanic Consumer Payments by Payment Instrument: Average Amount Per Person, Monthly Payment Volume and Value, and Annual Payment Value ($), 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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