Opinion in Asia-Pacific

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Australia: Fee Disclosure Statement reforms will lead to higher barriers for consumers

Very significant changes will hit the financial advice industry when the FoFA reforms are enacted on July 1, 2012. One crucial aspect of the legislation, which is still highly controversial, relates to the introduction of FDS reform. In particular, the measures designed to increase transparency appear to be in conflict with the aim of increasing access to professional financial advice.

Published By Datamonitor
25 Jan 2012
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Expert View

Australia: future credit card growth will rely on systemic growth

The Australian payment cards market has without a doubt reached a new saturation point, with future growth in the sector expected to rely on increasing payment card usage among users. Datamonitor forecasts that transaction volumes on credit cards will grow by 3.7% and 5.1% in 2012 and 2013, respectively.

Published By Datamonitor
16 May 2012
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Expert View

Australia: increasing customer value through cross-selling

Targeted cross-selling and bundling efforts enable authorized deposit-taking institutions to transform depositors into higher value customers while increasing loyalty. In particular, young adults and future mortgage borrowers have been found to respond well to offers that allow them to simplify their finances.

Published By Datamonitor
19 Feb 2013
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Australia: keep the innovations coming

While an innovative brand image is crucial for ADIs targeting savers with higher balances, many depositors do not want to be the first to try out new products. Effective targeting and consumer education are key in order for new savings products to move beyond short-term gimmicks towards becoming enduring sources of funds for ADIs.

Published By Datamonitor
09 Apr 2013
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Australia: mobile to boost ADI personal loans

The Australian personal loan market has stagnated in value, remaining mired in traditional and costly channels that show little sign of innovation. Australian authorized deposit-taking institutions must leverage the growth of mobile banking to gain market share in a profitable manner.

Published By Datamonitor
29 Apr 2013
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Australia: mortgage-based accounts an opportunity for growth

Providers looking to grow their lending and deposit business in Australia should consider including mortgage-based packaged accounts in their product portfolios.

Published By Datamonitor
17 Jan 2013
CommentWire
CommentWire

Australia: Woolworths launches credit card

Woolworths has become the first Australian company to launch a credit card with a sophisticated loyalty program, capable of collating data regarding consumer purchases. This data will eventually be utilized in Woolworths' marketing efforts, and is seen as even more important than the financial aspect of the card.

Published By Datamonitor
28 Aug 2008
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Australian banks must develop mass affluent programs

The Australian market is ripe for mass affluent banking programs, but authorized deposit-taking institutions (ADIs) have been slow to offer joined up solutions. ADIs will need to do better if they want to be their customers' investment manager as well as their credit card provider.

Published By Datamonitor
27 Aug 2014
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Expert View

Australian banks must maximize branch efficiency

Rather than closing branches, Australian banks should reduce the size of existing branches and focus on sales of higher value products, as online banking has taken over as the main transaction channel for consumers.

Published By Datamonitor
01 Sep 2014
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Automatic pension enrolment will be too soon for some

Due to concerns that UK consumers are saving insufficiently for their retirement, employees are to be automatically enrolled into pension schemes. The initiative will start to roll out in 2012 and will be fully implemented by 2018. However, due to the current squeeze on many consumers' incomes, Datamonitor believes that it is not the correct time to initiate the program.

Published By Datamonitor
01 Feb 2012

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