Opinion on Savings and Investments in Europe

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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
Expert View
Expert View

Growing savings by acting on impulse

Banks need to offer an impulse saving service to foster a savings habit among customers who find it difficult to put money aside. This will help to grow the deposit base as well as assuaging negative perceptions regarding the ability to save.

Published By Datamonitor
10 Apr 2013
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

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
Expert View
Expert View

Consumers only save when they have something to spare; "OrSaveIt" encourages "impulse saving"

Consumers in the UK are struggling to save regularly, with over a third only saving when they have something to spare. A new app called "OrSaveIt" has been designed to allow consumers to transfer money to their savings when they resist the urge to spend. The convenience of this app and its use of goals will appeal to consumers who find it difficult to save.

Published By Datamonitor
21 Sep 2012
Expert View
Expert View

Halifax offers cash prizes to attract savers

Banks are under pressure to increase their capital ratios, but with little room to maneuver on interest rates, they have to come up with innovative means of attracting deposits. The Halifax Savers Prize Draw offers customers the chance to win prizes worth up to GBP100,000 every month, but consumers should be wary.

Published By Datamonitor
28 Sep 2011
Expert View
Expert View

Lloyds branch disposal faces obstacles to a timely sale

Co-operative Bank and NBNK are the only bidders known to have submitted formal proposals for the branches and associated customer accounts that Lloyds is being forced to sell. Lloyds needs to sell quickly to pre-empt September's report from the Independent Commission on Banking, which may recommend a larger disposal to promote competition, while customer reaction may delay the sale further.

Published By Datamonitor
21 Jul 2011
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

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