Consumer Banking and Borrowing: U.S. Market Trends

 
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Published Jul 12, 2016 | 104 Pages | Pub ID: LA5916746

Consumer Banking and Borrowing: U.S. Market Trends

Consumer banking and borrowing trends represent a host of riddles in need of solving. While checking account usage will likely continue to decline, the primary checking account remains the foundation of consumers’ banking relationships. Multi-channel banking is reshaping the consumer relationships with financial institutions, and yet branch banking obituaries are entirely premature: Millennial and Silent Generation alike see great value in them. Generational differences aside, the primary banking relationship brings great rewards, but it can be further strengthened. High savings rates, low financial security, low delinquency rates, and sworn aversion to adding to debt loads spell consumer loan stagnation, and yet consumer loans outstanding have long been hitting new highs. Emerging and alternative products and services are making an impact in the marketplace, and yet major banking institutions will continue to dominate the consumer banking landscape for years to come.

To help market participants navigate these riddles and succeed years down the road, Consumer Banking and Borrowing: U.S. Market Trends provides trend-forward analysis of the consumer banking and borrowing market, focusing on commercial banks, credit unions, and savings institutions, with supplemental analysis of finance companies, as well as emerging banking alternatives. In doing so, the report emphasizes 2007-2016 trend patterns that highlight consumer behavior, attitudes and usage of banking and borrowing products and services; and related deposit, asset and loan trends.

The report does the following:
  • Assesses the consumer’s future prospects, blending economic forecasting, employment trend analysis and HH income shifts in affluence; consumer attitudes toward debt, money management trends and savings trends; and consumer debt ratio, delinquency rate and charge-off trends.
  • Provides direction on the importance of checking accounts and primary checking accounts to consumers, with analysis of factors important to opening a bank account; assesses banking institution consolidation trends; and banking institution asset, deposit and loan growth trends; and discusses how technology impacts consumer decisions that curtail banking revenue.
  • Analyzes consumer banking revenue streams and amounts for three major banking institutions with varying product emphasis, and discusses consumer security and trust concerns.
  • Discusses the primary banking relationship, including identifying primary banking choices among major banking institutions, assessing factors relevant to choosing a primary bank, primary bank relationship length, and number of banking institutions used.
  • Studies factors that can strengthen the primary banking relationship; the degree to which major banking institutions cross-sell credit cards to bank users and the degree to which they cross-sell banking services to credit card users.
  • Studies the impact of mobile banking, including the importance of banking apps to the account opening decision and shifts in bank channel usage.
  • Details checking and savings account usage trends, emphasizing age, generation, and HH income shifts in usage; banking account and card usage, by type of account and card; and checking account usage, by bank channel and emerging account types.
  • Assesses consumer deposits and deposit service charges, providing a consumer checking and savings deposit market size; a breakdown of consumer service charges by type; and analysis of banking institutions by total consumer deposits, by consumer deposit fees, by highest share of consumer deposit fees, and by the ratio of overdraft fees to deposits.

  • $4,100.00 Included
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      $325.00 Included

    • $3,746.00 Included
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        $1,249.00 Included
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        $1,054.00 Included
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        $620.00 Included

  • $4,699.00 Included

    • $487.00 Included
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        $97.00 Included

      • $207.00 Included
        •   Change in Household Number and Share, by Income Segment, 2007-2015
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        $181.00 Included

    • $1,066.00 Included

      • $164.00 Included
        •   Attitudes Toward Debt, 2007-2016
        •   Effect of Recession on Taking on Debt, 2016

      • $173.00 Included
        •   Attitudes Toward Money Management, 2007-2016
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        $150.00 Included

      • $255.00 Included
        •   Personal Disposable Income, Personal Saving and Personal Saving Rate, 2007-2015
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        $157.00 Included
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        $163.00 Included

    • $535.00 Included
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        $93.00 Included

      • $198.00 Included
        •   Checking Account Holders Who Have a Primary Checking Account, 2016
        •   Primary Checking Account Holders Who Get Most Banking Needs Met by Primary Checking Account Provider, 2016
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        $300.00 Included

    • $1,040.00 Included
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        $93.00 Included

      • $145.00 Included
        •   Commercial Banks, Savings Institutions and Credit Unions: Number of Institutions, Number, Annual Change and Share, 2007-2015

      • $293.00 Included
        •   Commercial Banks, Savings Institutions and Credit Unions: Total Assets, Amount, Annual Change and Share, 2007-2015
        •   Commercial Banks, Savings Institutions and Credit Unions: Domestic Deposits, Amount, Annual Change and Share, 2007-2015

      • $217.00 Included
        •   Loans to Individuals: Commercial Banks, Savings Institutions and Credit Unions, by Amount, Annual Change and Share, 2007-2015

      • $342.00 Included
        •   Consumer Loan Delinquency Rates, By Loan Type, 2007-2016
        •   Consumer Loan Charge-Off Rates, By Loan Type, 2007-2016

    • $498.00 Included
      •   Effect of Technology on Financial Management and Financial Services Fees, by Demographic, 2016

    • $661.00 Included
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        $93.00 Included
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        $93.00 Included

      • $262.00 Included
        •   Consumer Banking Loan and Revenue Analysis, by Product Type: American Express, Capital One and JPMorgan Chase, 2015
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        $179.00 Included

    • $299.00 Included
      •   Concern about Bank Trust and Credit Card Identity Theft, 2007-2016
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        $122.00 Included

  • $4,135.00 Included

    • $1,833.00 Included
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        $93.00 Included

      • $365.00 Included
        •   Banking Institution Use in Last 12 Months: Any, Primary and Also, by Type of Institution, 2007-2016
        •   Banks vs. Credit Unions: Usage as Primary Banking Institution, by Generation/Age, 2007 vs. 2016
        •   Banks vs. Credit Unions: Usage as Primary Banking Institution, by HH Income, 2007 vs. 2016

      • $723.00 Included
        •   Banking Institution User: Primary Usage Share, by Institution Type, 2007-2016
        •   Banking Institution Use vs. Primary Use in Last 12 Months, by Institution, 2016
        •   Credit Unions, Savings & Loans and Top Banks: Usage as Primary Bank, by Institution and Generation, 2016
        •   Credit Unions, Savings & Loans and Top Banks: Usage as Primary Bank, by Institution and Household Income, 2016
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        $271.00 Included
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        $114.00 Included

      • $300.00 Included
        •   Number of Financial Institutions Used for Products and Services, 2016

    • $194.00 Included
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        $190.00 Included

    • $501.00 Included

      • $431.00 Included
        •   Credit Unions, Savings & Loans and 10 Largest Banks: Usage as Bank in Last 12 Months and Credit Cards Issued, 2016
        •   Credit Unions, Savings & Loans and 10 Largest Banks: Credit Cards Issued and Share of Credit Card Users Who Use as Bank, 2016
        •   Credit Unions, Savings & Loans and 10 Largest Banks: Usage as Bank in Last 12 Months and Share Users Who Have Bank's Credit Card, 2016

    • $1,535.00 Included
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        $93.00 Included

      • $94.00 Included
        •   U.S. Adult Home Internet Use: Desktop via Mobile Phone, 2008-2015

      • $93.00 Included
        •   U.S. Adult Call Phone and Smartphone Ownership Trends, 2012-2015
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        $93.00 Included

      • $145.00 Included
        •   U.S. Adult App Use and Banking/Finance App Use, 2015

      • $128.00 Included
        •   Important Factors to Opening a Bank Account: Mobile Banking App Attributes, by Demographic, 2016

      • $401.00 Included
        •   Bank of America: Branches, ATMs, Online Banking Accounts and Mobile Bankers, 2011-2015
        •   JPMorgan Chase: Branches, ATMs, Online Banking Accounts and Mobile Bankers, 2011-2015
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        $622.00 Included

  • $3,030.00 Included

    • $1,121.00 Included

      • $699.00 Included
        •   Checking Account and Savings Account Usage, 2007-2016
        •   Checking Account Usage, by Generation and Type of Banking Institution, 2007 vs. 2016
        •   Percent of Adults with Checking Account, by Generation/Age, 2007, 2010, 2013, 2016
        •   Percent of Adults with Checking Account, by HH Income, 2007, 2010, 2013, 2016
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        $156.00 Included
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        $265.00 Included

    • $1,845.00 Included

      • $237.00 Included
        •   Commercial Bank Domestic Assets and Deposits: Business-Only Banks vs. Consumer Banks, by All Banks and $1 Billion Asset Banks, 2015
        •   Commercial Bank Deposits: All Deposits vs. Consumer Checking/Savings Deposits, 2015

      • $157.00 Included
        •   Bank Deposits at Consumer Banks: Consumer Deposits vs. Business Deposits, Checking vs. Savings Accounts, 2015

      • $648.00 Included
        •   Bank Deposit Account Service Charges: Business-Only Banks vs. Consumer Banks, by All Banks and $1 Billion Asset Banks, 2015
        •   Consumer Deposit Account Service Charges, by Type, 2015
        •   Consumer Overdraft Service Charges as Share of Consumer Transaction Account Deposits: $1+ Billion Asset Banks, 2015

      • $799.00 Included
        •   Top 40 Commercial Banks, by Consumer Deposits: Savings and Checking Accounts, 2015
        •   Top 40 Commercial Banks, by Consumer Deposit Account Service Charges, 2015
        •   Top 10 Commercial Banks: Share of Consumer Deposit Account Service Charges, by Type, 2015
        •   Top 10 Commercial Banks, by Ratio of Consumer Deposit Account Overdraft Charges to Consumer Checking Deposits, 2015

  • $1,925.00 Included

    • $101.00 Included
      •   Loans Have/Use, By Type of Loan, 2007-2016

    • $93.00 Included
      •   Any Loan Have/Use, By Type of Banking Institution, 2007-2016

    • $430.00 Included
      •   Financing Company Automobile Loans: Interest Rate, Amount Financed and Maturity, Used and New Cars, 2011-2015

      • $194.00 Included
        •   Automobile Loans Outstanding: Commercial Banks/Savings Institutions, Credit Unions and Financing Companies, 2011-2015
        •   Loans for New Automobile: Share, by HH Income and Generation, 2010-2016

    • $577.00 Included
      •   Credit Card Loans Outstanding: Commercial Banks, Savings, Institutions and Credit Unions, 2010-2015

      • $252.00 Included
        •   Credit Card Usage Penetration and Usage Share, by Generation/Age, 2007-2016
        •   Credit Card Usage Penetration and Usage Share, by HH Income, 2007-2016

      • $93.00 Included
        •   MasterCard and Visa Credit Card Usage Penetration and Portion of Monthly Bill Paid, 2010-2016

      • $128.00 Included
        •   Attitudes Toward Credit Card Debt and Paying Credit Card Balance, by Demographic, 2016
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      $259.00 Included

    • $288.00 Included

      • $213.00 Included
        •   Adults with Student Loans, by Demographic, 2016
      •  
        $93.00 Included

    • $157.00 Included
      •   Real Estate Loans Outstanding, Commercial Banks, Credit Unions and Financing Companies, 2010-2015

  • $889.00 Included

    • $888.00 Included
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        $97.00 Included
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        $117.00 Included
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        $95.00 Included
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        $579.00 Included

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