Latest Intelligence on Current Accounts

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Type Product title / description Pub Price
CommentWire
CommentWire

Paperless billing: mirage or miracle?

Banks, mobile phone providers, fixed line telephone suppliers, and airlines have all made efforts to encourage e-billing. Now it is the turn of the utilities, as British Gas encourages its customers to sign up to paperless billing. The service may provide advantages in targeted email marketing, but easy communication via email may lead to increased volumes of customer queries.

Published By Datamonitor
25 Feb 2004
CommentWire
CommentWire

Morgan Stanley: spin-off shelved

Morgan Stanley chief John Mack has decided that the company will retain its Discover card unit. This is a wise move; Discover is a profitable operation and recent deals with Pulse and China UnionPay have placed it in a strong position to enjoy future growth. However, while its short term future will be with Morgan Stanley, there remain several issuers willing and able to acquire the unit.

Published By Datamonitor
19 Aug 2005
CommentWire
CommentWire

Egg: going against the current

Egg has introduced a spending account that prevents customers from going beyond their allocated overdraft limit. Although Egg Money does not require customers to switch their current account, its attractive proposition means many may transfer part of their current account balance to Egg. Considering this, it will not be surprising if Egg's offering is replicated among current account providers.

Published By Datamonitor
12 Sep 2005
CommentWire
CommentWire

UK current accounts: not the full package

While Britons pay up to GBP200 a year in fees for packaged current accounts, new research from Alliance and Leicester has shown that few customers make good use of the facilities offered. However, while these accounts may indeed not suit everyone, they do bring with them a raft of secondary benefits that this research may have underestimated.

Published By Datamonitor
26 Sep 2005
ResearchWire
ResearchWire

Senior consumers: price matters for empty nesters

Published By Datamonitor
27 Oct 2005
CommentWire
CommentWire

Chinese banking: overseas investment could be sweet or sour

The $4.7 billion combined investment by Royal Bank of Scotland and Temasek in Bank of China has been put in jeopardy by hesitant Chinese shareholders worrying about an increasing level of foreign influence. Unless outside investment in China's financial sector is disciplined and measured in its ambitions, it is likely that local resentment over western involvement will continue to grow.

Published By Datamonitor
03 Nov 2005
CommentWire
CommentWire

Commerzbank: eastern ambitions should shore up recovery

Commerzbank has reported encouraging 2005 results, marking an end to a number of poor years for the bank. However, the lender cannot rest on its laurels and faces a number of challenges ahead. First and foremost will be the mammoth task of integrating recent acquisition Eurohypo into its business. Then the bank will look to continue its expansion through M&A.

Published By Datamonitor
17 Feb 2006
CommentWire
CommentWire

UK banking charges: regulator's tough stance risks nullifying consumer benefits

In a letter to the banking industry, the OFT has made it clear that the GBP12 limit on credit card penalty fees will not be applied automatically to overdrafts, as the regulator has not yet carried out enough research into this market. However the regulator is still likely to push for a general reduction in overdraft fees, raising the possibility that the banks may look elsewhere for profits.

Published By Datamonitor
22 May 2006
CommentWire
CommentWire

ANZ: profits to be found off the beaten track

ANZ has announced a credit card joint venture with Sacombank in Vietnam, a market that is expected to undergo significant growth in the medium term. Given Vietnam's encouraging economic projections and the very small proportion of the population currently using banking services, this is positive strategic move by ANZ.

Published By Datamonitor
09 Jun 2006
Expert View
Expert View

Lloyds TSB embodies burgeoning opportunities in Sharia finance

In a step to expand its Islamic finance proposition and compete with HSBC Amanah Finance, Lloyds TSB is the first high street lender to offer mortgages and current accounts which comply with Islamic law at all its branches. Such a strategy makes good sense, given the likely growth of Islamic finance in the UK.

Published By Datamonitor
15 Jun 2006

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