Financial Services Organisations on the Internet Market Assessment 2009


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Published Date :
February 2009find similar
Report Type :
Market Assessmentfind similar
Report Sector :
Financial Servicesfind similar
Price :
£ 575
Contents :
17 Chapters

Table of Contents

The table of contents below is for Financial Services Organisations on the Internet 2009

Executive Summary

1. Introduction

The Research Process

Background

Definition

2. Strategic Overview

Market Dynamics And Segmentation

The Economy

The Causes Of The Recession

Uk Government Aid Schemes

Market Sectors

Retail Banking

Loan Providers

Building Societies

General Insurance

Mortgage Providers

Financial Advisers

Independent Investment

Pensions And Life Insurance

The Current Status Of The Market

Retail Banking

Loan Providers

Building Societies

General Insurance

Mortgage Providers

Financial Advisers

Independent Investment

Pensions And Life Insurance

Market Size

Table: Estimated Total Number Of Uk Users Of Financial Services Sites On The Internet By Sector (million Users),-2008

Figure: Estimated Total Number Of Uk Users Of Financial Services Sites On The Internet (million Users),-2008

Distribution

Competitive Structure

Retail Banking

Loan Providers

Building Societies

General Insurance

Mortgage Providers

Financial Advisers

Independent Investment

Pensions And Life Insurance

Advertising

Table: Main Media Advertising Expenditure On Selected Instant-access Savings Products (£000), Year Ending June

The Consumer

Household Internet Access

Table: Households With Access To The Internet Great Britain And The Uk (% And Million),-2008

Usage Of Online Banking Services

Table: Internet Activities Of Recent Internet Users In The Uk By Age (%),

Factors Affecting The Consumer

Population Change

Table: Uk Resident Population Estimates By Sex (000), Mid-years-2007

Gross Domestic Product

Table: Uk Gross Domestic Product At Current And Annual Chain-linked Prices (£m),-2007

Inflation

Table: Uk Rate Of Inflation (%),-2007

Unemployment

Table: Actual Number Of Unemployed Persons In The Uk (million),-2007

Household Disposable Income

Table: Uk Household Disposable Income Per Capita (£),-2007

Consumer Confidence

Table: Nationwide Consumer Confidence Survey Spending Confidence Regarding Major Purchases And Household Goods (% Of Respondents), May And August-december

Consumer Dynamics: Key Note's Consumer Research

Security Problems

Market Forecasts

3. Retail Banking

Background

Market Size

Table: Estimated Number Of Uk Users Of Retail Banking Sites On The Internet (million Users), -2008

Figure: Estimated Number Of Uk Users Of Retail Banking Sites On The Internet (million Users),-2008

Consumer Trends

Marketing Activity

Advertising

Distribution

Web.0

Virtual Universes

Second Life

Entropia Universe

Payment Systems

Outsourcing

The Single Euro Payments Area And The Payment Services Directive

Contactless Cards

Mobile Banking

Table: Adults In The Uk Who Had Accessed The Internet In The Past Months By Type Of Mobile Device Used (%), And

The `credit Crunch'

Capital Markets

It Strategic Positioning

4. Loan Providers

Background

Market Size

Table: Estimated Number Of Uk Users Of Loan Providers' Sites On The Internet (million Users),-2008

Figure: Estimated Number Of Uk Users Of Loan Providers' Sites On The Internet (million Users),-2008

Consumer Trends

Marketing Activity

Advertising

Secured Personal Loans

Table: Main Media Advertising Expenditure On Secured Personal Loans By Brand (£000), Year Ending June

Unsecured Personal Loans

Table: Main Media Advertising Expenditure On Unsecured Personal Loans By Brand (£000), Year Ending June

Distribution

5. Building Societies

Background

Market Size

Table: Estimated Number Of Uk Users Of Building Societies' Sites On The Internet (million Users),-2008

Figure: Estimated Number Of Uk Users Of Building Societies' Sites On The Internet (million Users),-2008

Market Shares

Table: Leading Uk Building Societies Ranked By Group Assets (£m), Latest Financial Years

Consumer Trends

Marketing Activity

Advertising

Distribution

Table: Number Of Branches Operated By Building Societies In The Uk And Number Of Shareholders, Depositors And Borrowers (actual Number And),-2007

6. General Insurance

Background

Market Size

Table: The Estimated Total Uk General Insurance Market Uk Risks By Net Written Premiums (£m And Index=100),-2008

Table: Estimated Number Of Uk Users Of General Insurance Sites On The Internet (million Users),-2008

Figure: Estimated Number Of Uk Users Of General Insurance Sites On The Internet (million Users),-2008

Consumer Trends

Marketing Activity

Advertising

General Insurance (generic)

Table: Main Media Advertising Expenditure On General Insurance (generic) By Brand (£000), Year Ending June

Home Insurance

Table: Main Media Advertising Expenditure On General Home Insurance By Brand (£000), Year Ending June

Motor Insurance

Table: Main Media Advertising Expenditure On General Motor Insurance (£000), Year Ending June

Distribution

7. Mortgage Providers

Background

Market Size

Table: Estimated Number Of Uk Users Of Mortgage Providers' Sites On The Internet (million Users),-2008

Figure: Estimated Number Of Uk Users Of Mortgage Providers' Sites On The Internet (million Users),-2008

Consumer Trends

Marketing Activity

Advertising

Table: Main Media Advertising Expenditure On Mortgages (general Range) By Brand (£000), Year Ending June

Distribution

8. Financial Advisers

Background

Market Size

Table: Estimated Number Of Uk Users Of Financial Advisers' Sites On The Internet (million Users),-2008

Figure: Estimated Number Of Uk Users Of Financial Advisers' Sites On The Internet (million Users),-2008

Consumer Trends

Marketing Activity

Advertising

Table: Main Media Advertising Expenditure On Independent Financial Advice (£000), Year Ending June

Distribution

9. Independent Investment

Background

Market Size

Table: Estimated Number Of Uk Users Of Independent Investment Sites On The Internet (million Users),-2008

Figure: Estimated Number Of Uk Users Of Independent Investment Sites On The Internet (million Users),-2008

Consumer Trends

Marketing Activity

Advertising

Table: Main Media Advertising Expenditure On Portfolio Management By Brand (£000), Year Ending June

Distribution

10. Pensions And Life Insurance

Background

Market Size

Table: Estimated Number Of Uk Users Of Pensions And Life Insurance Sites On The Internet (million Users),-2008

Figure: Estimated Number Of Uk Users Of Pensions And Life Insurance Sites On The Internet (million Users),-2008

Consumer Trends

Marketing Activity

Advertising

Life Protection

Table: Main Media Advertising Expenditure On Life Protection By Brand (£000), Year Ending June

General Pensions

Table: Main Media Advertising Expenditure On General Pensions By Brand (£000), Year Ending June

Distribution

11. An International Perspective

Market Developments In The Us

E-mail

Search-engine Optimisation And Marketing

Us Policy

Emerging Markets

The Global Market

12. Pest Analysis

Political Factors

Economic Factors

Social Factors

Technological Factors

13. Consumer Dynamics

Overview

Table: Summary Of Responses Regarding Financial Services On The Internet (% Of All Respondents Agreeing, % Of Internet Users Agreeing And Rankings By Level Of Agreement), July

Summary Of Survey Findings Among Internet Users

Online Payments

S1: "i Prefer To Contact My Bank Online To Make A Payment"

S2: "i Prefer To Contact My Building Society Online To Make A Payment"

Table: Online Payments Those Who Prefer To Contact Their Bank Or Building Society Online To Make A Payment (% Of Internet Users Agreeing), July

Personal Loans

S3: "when I Want A Personal Loan, I Compare Offers On The Internet First"

S4: "it Is Easier To Get A Personal Loan Over The Internet Than To Negotiate Face To Face"

Table: Personal Loans Those Who Compare Offers On The Internet First, And Those Who Believe It Is Easier To Get A Loan Online Rather Than Negotiate Face To Face (% Of Internet Users Agreeing), July

Mortgages

S5: "when I Am Looking For A Mortgage, I Compare Offers On The Internet First"

S6: "it Is Easier To Get A Mortgage Over The Internet Than To Negotiate Face To Face"

Table: Mortgages Those Who Compare Offers On The Internet First, And Those Who Believe It Is Easier To Get A Mortgage Online Rather Than Negotiate Face To Face (% Of Internet Users Agreeing), July

General Insurance

S7: "when I Am Looking For Insurance For My Car, Home Or Other General Purposes, I Compare Offers On The Internet First"

S8: "when I Am Looking For Insurance For My Car, Home Or Other General Purposes, I See Or Telephone A Broker Or Agent"

Table: General Insurance Those Who Compare Offers On The Internet First, And Those Who See Or Telephone A Broker Or Agent (% Of Internet Users Agreeing), July

Life Insurance And Personal Pensions

S9: "when I Am Looking For Life Insurance Or For A Personal Pension, I Compare Offers On The Internet First"

S10: "when I Am Looking For Life Insurance Or For A Personal Pension, I Prefer To Visit A Broker Or Financial Adviser"

Table: Life Insurance And Personal Pensions Those Who Compare Offers On The Internet First, And Those Who Prefer To Visit A Broker Or Financial Adviser (% Of Internet Users Agreeing), July

Savings And Investments

S11: "when I Am Considering Savings Or Investments, I Compare Products On The Internet First"

S12: "when I Am Considering Savings Or Investments, I Rely On A Financial Adviser Face To Face"

Table: Savings And Investments Those Who Compare Products On The Internet First, And Those Who Rely On A Financial Adviser Face To Face (% Of Internet Users Agreeing), July

S13: "i Like To Manage My Savings Or Investments On The Internet"

Table: Savings And Investments Those Who Like To Manage Their Savings Or Investments On The Internet (% Of Internet Users Agreeing), July

Advantages Of Online Financial Services

S14: "i Think That Online Financial Services Offer A More Efficient Service"

S15: "i Think That Online Financial Services Offer A Cheaper Service"

Table: Advantages Of Online Financial Services Those Who Think That They Offer A More Efficient Service, And Those Who Think That They Offer A Cheaper Service (% Of Internet Users Agreeing), July

S16: "i Think That Online Financial Services Offer A Faster Service"

Table: Advantages Of Online Financial Services Those Who Think That They Offer A Faster Service (% Of Internet Users Agreeing), July

Identity Theft And Security Issues

S17: "i Worry About Identity Theft Or Security When Considering Using The Internet For My Financial Affairs"

Table: Those Who Worry About Identity Theft Or Security When Considering Using The Internet For Their Financial Affairs (% Of Internet Users Agreeing), July

Internet-based Personal Loans Networks

S18: "i Would Consider Using An Internet-based Personal Loans Network Between Individuals Where Lenders And Borrowers Are Impartially Screened, And Where Interest Is Paid Direct To The Lending Individuals"

Table: Those Who Would Consider Using An Internet-based Personal Loans Network Between Individuals (% Of Internet Users Agreeing), July

Importance Or Otherwise Of Face-to-face Contact

S19: "i Do Not Think Customer Face-to-face Contact Is Important Any More"

Table: Those Who Do Not Think That Customer Face-to-face Contact Is Important Any More (% Of Internet Users Agreeing), July

Online Money Supermarkets

S20: "i Enjoy Using Online Money Supermarkets"

Table: Those Who Enjoy Using Online Money Supermarkets (% Of Internet Users Agreeing), July

14. Company Profiles

Abbey National Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For Abbey National Plc (£000, % And Ratio), Years Endingst December-2007

Future Company Developments

Aviva Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For Aviva Plc (£000, % And Ratio), Years Endingst December-2007

Future Company Developments

Barclays Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Distribution

Profitability

Table: Financial Results For Barclays Plc (£000, % And Ratio), Years Endingst December-2007

Future Company Developments

The Co-operative Bank Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For The Co-operative Bank Plc (£000, % And Ratio), Weeks Endingth January, And Years Endingth January Andth January

Future Company Developments

Hsbc Holdings Plc/hsbc Bank Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For Hsbc Bank Plc (£000, % And Ratio), Years Endingst December-2007

Future Company Developments

Icici Bank Uk Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For Icici Bank Uk Plc ($000, % And Ratio), Years Endingst March-2008

Future Company Developments

Ing Direct

Corporate Strategy

Strengths And Weaknesses

New Product And Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For Ing Group (i000 And %), Years Endingst December-2007

Future Company Developments

Kaupthing Singer & Friedlander (to October)

Corporate Strategy

Strengths And Weaknesses

Product And Brand Development

Distribution

Profitability

Lloyds Banking Group Plc (lloyds Tsb/hbos Merger)

Corporate Strategy

Hbos

Lloyds Tsb

Strengths And Weaknesses

Hbos

Lloyds Tsb

New Product Development

Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For Hbos Plc (£000, % And Ratio), Years Endingst December-2007

Table: Financial Results For Lloyds Banking Group Plc (£000, % And Ratio), Years Endingst December-2007

Future Company Developments

Nationwide Building Society

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Distribution

Advertising

Profitability

Future Company Developments

The Royal Bank Of Scotland Group Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For The Royal Bank Of Scotland Group Plc (£000, % And Ratio), Years Endingst December-2007

Future Company Developments

15. The Future

The Economy

Government Policy

Currency Risk

Gross Domestic Product

Table: Forecast Uk Growth In Gross Domestic Product In Real Terms (%),-2012

Inflation

Table: Forecast Uk Rate Of Inflation (%),-2012

Unemployment

Table: Forecast Actual Number Of Unemployed Persons In The Uk (million),-2012

Security

Demographics

Table: Forecast Uk Resident Population By Sex (000), Mid-years-2012

Market Forecasts

Table: Forecast Total Number Of Uk Users Of Financial Services Sites On The Internet By Sector (million Users),-2013

Figure: Forecast Total Number Of Uk Users Of Financial Services Sites On The Internet (million Users),-2013

Conclusion

16. Further Sources

Associations

Publications

General Sources

Government Publications

Other Sources

Key Note Sources

Other Reports