Opinion

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Type Product title / description Pub Price
CommentWire
CommentWire

UK consumer credit market: difficult years ahead

The UK consumer credit market has seen a slowdown after experiencing more than a decade of strong growth. The market delivered a poor performance in 2006, attributable to the combination of a weaker labor market, high consumer debts and weakened consumer confidence. As a result, lenders are expected to struggle over the next five years.

Published By Datamonitor
24 May 2007
CommentWire
CommentWire

UK consumer credit: just pausing for breath

A fall in new lending on credit cards and overdrafts dragged borrowing growth down. Even so, total outstanding consumer debt is now at an all time high. Overall, it looks like the January figures are more a mild hangover from the Christmas borrowing binge than a sign that the current credit boom is on its way out.

Published By Datamonitor
05 Mar 2002
ResearchWire
ResearchWire

UK consumer credit: unsecured personal loans make up half of market

Published By Datamonitor
18 May 2006
CommentWire
CommentWire

UK consumer finance: debt-savings gap widens

UK consumers are borrowing more than they save and the gap between the two is rising. Comparing consumers' attitudes to borrowing with those at the time of the last recession raises serious worries that we are heading for a similar fate. But as long as rates remain low and lenders uphold responsible policies, consumer credit problems should not escalate as before.<BR />

Published By Datamonitor
10 Dec 2002
CommentWire
CommentWire

UK consumer lending: better safe than sorry

Lloyds TSB [LLOY.L] has become the latest UK bank to warn that consumers are increasingly struggling to make repayments on personal loans and credit cards. Overall there is no need yet for banks to panic over consumers defaulting, but banks should still consider scaling down their aggressive sales tactics for cards and loan services.

Published By Datamonitor
21 Jun 2005
ResearchWire
ResearchWire

UK consumer lending: per head debt to exceed GBP5,700 by 2008

Published By Datamonitor
27 Jan 2004
ResearchWire
ResearchWire

UK consumer spending: pay now cards edge out cash

Published By Datamonitor
01 Jun 2005
CommentWire
CommentWire

UK consumer spending: tweens and teens among Europe's richest

Annual income per capita for UK tweens and teens reached GBP775 in 2003 - more than twice as much as their Spanish counterparts. The majority of this increased income comes from 'handouts' from parents rather than pocket money. However fears over excessive spending and unhealthy diet are curtailing the growth in pocket money that parents give their children.

Published By Datamonitor
24 Jan 2005
Expert View
Expert View

UK consumers are starting to use credit cards as a cash management tool rather than a borrowing tool

There is growing evidence to indicate that credit cards in the UK are seeing a shift away from a traditional borrowing tool towards a cash management tool, as consumers' behavior is changing and they switch from revolvers to transactors.

Published By Datamonitor
03 Oct 2012
Expert View
Expert View

UK consumers confident to keep on borrowing despite rising personal debt

New Datamonitor research has revealed that consumer borrowing via credit cards, motor and retail finance deals, overdrafts and unsecured personal loans (i.e. outstanding balances) has risen to GBP4,004 per average UK adult at the end of 2004. This figure translates into a 10% increase on the previous year's levels and a 45% increase since 2000.

Published By Datamonitor
25 Feb 2005

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