Latest Intelligence on Savings and Investments

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Type Product title / description Pub Price
Expert View
Expert View

Western European immigrants need help saving

While immigrants from Western Europe are generally quite attractive as clients, they are the most likely to require savings products that help them to be disciplined savers.

Published By Datamonitor
16 Oct 2013
CommentWire
CommentWire

US saving culture: the source of all problems?

Datamonitor's Financial Services Consumer Insights survey shows that the fundamental weakness in US savings behavior is a crucial driver of global imbalances. Despite the G20's intention to address the issue of imbalances in the world economy, US saving behavior must see a marked change if global imbalances are to be corrected and the $100 billion US current account deficit is to be paid back.

Published By Datamonitor
28 Sep 2009
Expert View
Expert View

Upfront rewards will attract more savers in today's climate

Santander's new savings product offers an iPad upfront rather than interest payments. This will appeal to consumers as it caters to their demand for instant gratification, and may prompt other providers to consider similar strategies.

Published By Datamonitor
15 Nov 2012
CommentWire
CommentWire

UK: consumers need education on financial decisions

Datamonitor research shows that consumers in the UK are demonstrating many behaviors associated with low financial intelligence. Individuals are unwilling to take personal responsibility for their money, which ultimately leads to poor financial decisions. While the blame for mis-selling rests on the shoulders of providers, consumers should be taught how to make better-informed choices.

Published By Datamonitor
21 Jan 2011
CommentWire
CommentWire

UK financial services industry: transparency in product information is vital to regaining trust

The global financial downturn has cast doubt upon the integrity of the financial services industry. Consequently, openness and honesty are in demand from consumers who want simple, straightforward information from their providers. While some banks are taking steps to increase transparency, more needs to be done by all providers if they want to gain, and retain, the trust of consumers.

Published By Datamonitor
28 Oct 2010
Expert View
Expert View

Split strategies in the savings market

Consumers with small savings balances prize ease of access whereas consumers with large balances focus on interest rate. This requires banks to segment and market their savings proposition in terms of either rate or ease of access.

Published By Datamonitor
03 Apr 2013
Expert View
Expert View

OnTrees will struggle to overcome consumer indifference to PFM

A new PFM tool launched in the UK on November 16. Called "OnTrees," it offers consumers the usual PFM functionality, along with apps that allow access on the move. However, consumers remain indifferent towards PFM, and the site will find it a challenge to make any real impact.

Published By Datamonitor
19 Nov 2012
Expert View
Expert View

Offering 'one size fits all' savings products in Asia Pacific is a recipe for failure

Datamonitor's Financial Services Consumer Insight survey has shown that consumers in Asia Pacific defy being pigeonholed by saving providers, revealing diverse product tastes, saving methods and plans for the future. Financial services providers must appreciate the unique savings culture of their target market and the variety of preferences if they are to successfully build wallet share.

Published By Datamonitor
04 Nov 2009
Expert View
Expert View

Notice accounts to become more prominent

With Basel III looming, product design will be increasingly focused on minimizing regulatory issues and increasing the "stickiness" of deposits. Term deposits and notice accounts are set to become more prevalent under the regulation. However, offering a higher level of convenience, deposits kept in notice accounts will show more impressive growth rates than those held in term deposit accounts.

Published By Datamonitor
19 Mar 2013
Expert View
Expert View

Low interest rates depress savers

The last six months have seen unprecedented low rates of interest, which are great for borrowers but make life hard for savers. Datamonitor's Financial Services Consumer Insight survey revealed a trend of consumers wanting to shift their savings from long-term to short-term easy access, but this makes it even harder to find strong returns.

Published By Datamonitor
11 Sep 2009

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