Consumer Banking - Market Research, Industry Trends, Market Share, Consumer Insights


Published: 07/12/2016
Pages: 104
Full Study Price: US$ 3,800

Consumer Banking Borrowing: U.S. Market Trends helps market participants navigate the many challenges facing the market for consumer banking borrowing through trend-forward market analysis. The report focuses on commercial banks, credit unions, savings institutions, with supplemental analysis of finance companies emerging banking alternatives as well. Emphasis is placed on 2007-2016 trend patterns that highlight consumer behavior, attitudes usage of banking borrowing products services, related deposit, asset loan trends.
Consumer Banking Borrowing: U.S. Market Trends assesses the consumer’s future prospects provides direction on the importance of checking accounts primary checking accounts to consumers. Analysis is also given to consumer banking revenue streams amounts for three major banking institutions with varying product emphasis. For those navigating the U.S. market for consumer banking borrowing, this report’s study is essential to remaining apprised of the most essential trends that are driving consumer behavior in the coming years.
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Table Of Contents

  • Executive Summary
    • Report Scope
    • Report Summary
      • Trends shaping consumer banking
      • The consumer banking relationship
      • Consumer account ownership and service charge trends
      • Consumer loan trends
  • Trends Shaping Consumer Banking
    • The consumer
      • Economic forecast: slow going ahead
      • HH income trends shape a growing affluent class and a shrinking middle class
        • Table Change in Household Number and Share, by Income Segment, 2007-2015
      • Employment challenges persist
    • Consumer savings, debt and money management trends
      • Attitudes toward debt
        • Table Attitudes Toward Debt, 2007-2016
        • Table Effect of Recession on Taking on Debt, 2016
      • Money management trends
        • Table Attitudes Toward Money Management, 2007-2016
      • Consumer debt ratios
      • Savings trends
        • Table Personal Disposable Income, Personal Saving and Personal Saving Rate, 2007-2015
      • Consumer credit trends: Ominous growth
      • Non-revolving credit is the culprit
    • The bank account
      • Losing ground over time
      • But primary checking account remains foundation of consumer banking
        • Table Checking Account Holders Who Have a Primary Checking Account, 2016
        • Table Primary Checking Account Holders Who Get Most Banking Needs Met by Primary Checking Account Provider, 2016
      • Factors important to opening a bank account
    • The financial institution
      • Number of institutions
      • Branch and ATM reach
        • Table Commercial Banks, Savings Institutions and Credit Unions: Number of Institutions, Number, Annual Change and Share, 2007-2015
      • Assets and deposits
        • Table Commercial Banks, Savings Institutions and Credit Unions: Total Assets, Amount, Annual Change and Share, 2007-2015
        • Table Commercial Banks, Savings Institutions and Credit Unions: Domestic Deposits, Amount, Annual Change and Share, 2007-2015
      • Loans to individuals
        • Table Loans to Individuals: Commercial Banks, Savings Institutions and Credit Unions, by Amount, Annual Change and Share, 2007-2015
      • Consumer delinquency and charge-off rates
        • Table Consumer Loan Delinquency Rates, By Loan Type, 2007-2016
        • Table Consumer Loan Charge-Off Rates, By Loan Type, 2007-2016
    • The technology
      • Table Effect of Technology on Financial Management and Financial Services Fees, by Demographic, 2016
    • The revenue
      • Tale of the tape: JPMorgan Chase
      • Tale of the tape: Capital One
      • Tale of the tape: American Express
        • Table Consumer Banking Loan and Revenue Analysis, by Product Type: American Express, Capital One and JPMorgan Chase, 2015
      • Profitability
    • Security
      • Table Concern about Bank Trust and Credit Card Identity Theft, 2007-2016
      • Adding mobile wrinkles
  • The Consumer Banking Relationship
    • Banking institution usage trends
      • Banks, credit unions and savings & loans
      • Banks, credit unions and savings & loans as primary banking institution
        • Table Banking Institution Use in Last 12 Months: Any, Primary and Also, by Type of Institution, 2007-2016
        • Table Banks vs. Credit Unions: Usage as Primary Banking Institution, by Generation/Age, 2007 vs. 2016
        • Table Banks vs. Credit Unions: Usage as Primary Banking Institution, by HH Income, 2007 vs. 2016
      • A loyalty proxy: banking institution use vs. use as primary banking institution
        • Table Banking Institution User: Primary Usage Share, by Institution Type, 2007-2016
        • Table Banking Institution Use vs. Primary Use in Last 12 Months, by Institution, 2016
        • Table Credit Unions, Savings & Loans and Top Banks: Usage as Primary Bank, by Institution and Generation, 2016
        • Table Credit Unions, Savings & Loans and Top Banks: Usage as Primary Bank, by Institution and Household Income, 2016
      • Reasons for choosing primary bank
      • Length of banking history suggests long-term relationships
      • Consumers can count number of institutions used on one hand
        • Table Number of Financial Institutions Used for Products and Services, 2016
    • Strengthening the primary banking relationship
      • Choosing a primary financial services provider
    • The credit card connection
      • Bank users, credit card users, and relationship between the two
        • Table Credit Unions, Savings & Loans and 10 Largest Banks: Usage as Bank in Last 12 Months and Credit Cards Issued, 2016
        • Table Credit Unions, Savings & Loans and 10 Largest Banks: Credit Cards Issued and Share of Credit Card Users Who Use as Bank, 2016
        • Table 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
    • The mobile connection
      • Use of mobile banking continues to rise
      • Mobile at-home access gaining on PC access
        • Table U.S. Adult Home Internet Use: Desktop via Mobile Phone, 2008-2015
      • Smartphone ubiquity around the corner?
        • Table U.S. Adult Call Phone and Smartphone Ownership Trends, 2012-2015
      • Shift to mobile commerce
      • And mobile financial service engagement
        • Table U.S. Adult App Use and Banking/Finance App Use, 2015
      • Mobile apps a factor influencing where to open bank account
        • Table Important Factors to Opening a Bank Account: Mobile Banking App Attributes, by Demographic, 2016
      • Shifts in banking channel usage
        • Table Bank of America: Branches, ATMs, Online Banking Accounts and Mobile Bankers, 2011-2015
        • Table JPMorgan Chase: Branches, ATMs, Online Banking Accounts and Mobile Bankers, 2011-2015
      • PayPal account provides strong checking alternative
  • Consumer Account Ownership and Service Charge Trends
    • Account trends
      • Checking and savings accounts
        • Table Checking Account and Savings Account Usage, 2007-2016
        • Table Checking Account Usage, by Generation and Type of Banking Institution, 2007 vs. 2016
        • Table Percent of Adults with Checking Account, by Generation/Age, 2007, 2010, 2013, 2016
        • Table Percent of Adults with Checking Account, by HH Income, 2007, 2010, 2013, 2016
      • Banking account and card usage, by type of account and card
      • Checking account, by bank channel
    • Consumer deposits and deposit service charges
      • Assets and deposits
        • Table Commercial Bank Domestic Assets and Deposits: Business-Only Banks vs. Consumer Banks, by All Banks and $1 Billion Asset Banks, 2015
        • Table Commercial Bank Deposits: All Deposits vs. Consumer Checking/Savings Deposits, 2015
      • Consumer deposit accounts
        • Table Bank Deposits at Consumer Banks: Consumer Deposits vs. Business Deposits, Checking vs. Savings Accounts, 2015
      • Consumer deposit account service charges
        • Table Bank Deposit Account Service Charges: Business-Only Banks vs. Consumer Banks, by All Banks and $1 Billion Asset Banks, 2015
        • Table Consumer Deposit Account Service Charges, by Type, 2015
        • Table Consumer Overdraft Service Charges as Share of Consumer Transaction Account Deposits: $1+ Billion Asset Banks, 2015
      • Top banks serving consumers: a comparative analysis
        • Table Top 40 Commercial Banks, by Consumer Deposits: Savings and Checking Accounts, 2015
        • Table Top 40 Commercial Banks, by Consumer Deposit Account Service Charges, 2015
        • Table Top 10 Commercial Banks: Share of Consumer Deposit Account Service Charges, by Type, 2015
        • Table Top 10 Commercial Banks, by Ratio of Consumer Deposit Account Overdraft Charges to Consumer Checking Deposits, 2015
  • Consumer Loan Trends
    • Loan usage trends, by loan type
      • Table Loans Have/Use, By Type of Loan, 2007-2016
    • Loan usage trends, by type of banking institution
      • Table Any Loan Have/Use, By Type of Banking Institution, 2007-2016
    • Automobile loan trends
      • Table Financing Company Automobile Loans: Interest Rate, Amount Financed and Maturity, Used and New Cars, 2011-2015
      • Credit unions putting the pedal to the metal
        • Table Automobile Loans Outstanding: Commercial Banks/Savings Institutions, Credit Unions and Financing Companies, 2011-2015
        • Table Loans for New Automobile: Share, by HH Income and Generation, 2010-2016
    • Credit card loan trends
      • Table Credit Card Loans Outstanding: Commercial Banks, Savings, Institutions and Credit Unions, 2010-2015
      • Card usage trends, by age and HH income
        • Table Credit Card Usage Penetration and Usage Share, by Generation/Age, 2007-2016
        • Table Credit Card Usage Penetration and Usage Share, by HH Income, 2007-2016
      • Credit card bill payment trends generally consistent
        • Table MasterCard and Visa Credit Card Usage Penetration and Portion of Monthly Bill Paid, 2010-2016
      • Attitudes toward credit card debt
        • Table Attitudes Toward Credit Card Debt and Paying Credit Card Balance, by Demographic, 2016
    • Personal loan trends
    • Student loans: the straw that will break the camel's back
      • An unsettling state of affairs
        • Table Adults with Student Loans, by Demographic, 2016
      • The consequences
    • Mortgage loan trends
      • Table Real Estate Loans Outstanding, Commercial Banks, Credit Unions and Financing Companies, 2010-2015
  • Appendix
    • Methodology
      • Consumer survey methodology
      • Report table interpretation
      • Generations
      • Terms and definitions