Standard CharteredのFamilyLinkシリーズ(LinkOne)は初回住宅購入者が借りやすい点が革新的
他の貸手も保証人付きローンを始めている
Standard Charteredでは、柔軟な返済オプションを多数用意
Standard Charteredの商品は個人主義や接続性のメガトレンドに沿っている
Standard CharteredのLinkOneでは、個人主義が鍵になっている
接続性がStandard Charteredの住宅ローン商品の人気の鍵
英国では初回住宅購入者は第三者の援助や保証人がいるのが通常
返済の柔軟性が増したことが魅力に
Standard Charteredは極東での地盤について自己満足してはならない
付録
目次
Abstract
Introduction
This case study on Standard Chartered forms part of Datamonitor' s Financial
Services Consumer Insight series, as part of which best practice in specific
areas of FS are highlighted.
Scope
This case study analyses the key successful elements in Standard
Chartered' s mortgage offerings
The case study examines how the bank' s mortgage offerings appeal to
consumers so strongly
Datamonitor' s Financial Services Megatrend Framework is used to analyse
the effectiveness of customer targeting strategies
Highlights
Standard Chartered' s FamilyLink products allows customers to maximize personal
connections with family and friends - literally bonding family members
together through the products, providing opportunities for them to help each
other out, and with mutually beneficial results, too.
Reasons to Purchase
Gain insight into the methods used by important industry players to give
them a competitive edge
Identify the implications of changing consumer behaviours
xCapitalize on the knowledge of experienced companies when entering a new
niche or market
Table of Contents
DATAMONITOR VIEW
CATALYST
SUMMARY
ANALYSIS
Introduction
Standard Chartered' s strength lies in it' s diversity
Mortgage markets globally must be injected with some much needed innovation
Lenders must find new ways to address the needs of disadvantaged groups
such as first-time buyers
Mortgages can be used as a weapon in the battle to build customer loyalty
The UK mortgage market has been battered by the credit crunch but there is
scope for an increase in home ownership and mortgage penetration
Standard Chartered' s FamilyLink series (LinkOne) has been innovative in
helping increase affordability for first-time buyers
Standard Chartered also offer a wide range of flexible repayment options
that go far beyond what is available in more developed markets
Standard Chartered' s offerings cater strongly to the Individualism and
Connectivity Megatrends
Individualism is key to the design of Standard Chartered' s LinkOne
mortgages
Connectivity is key to the popularity of Standard Chartered' s mortgage
offerings
Mortgages that enable third party contributions and guarantees could
become the norm for first-time buyers in the UK
Increased repayment flexibility could appeal to those looking for a
tailored product
Standard Chartered should not be complacent about its foothold in the Far
East
APPENDIX
Definitions
The Datamonitor Financial Services Consumer Insight Megatrend Framework
Authenticity
Comfort
Connectivity
Convenience
Individualism
Wellbeing
Demographic Complexity
Financial Intelligence Complexity
Lifestage Complexity
Wealth Complexity
Methodology
Further reading
Ask the analyst
Datamonitor consulting
Disclaimer
List of Figures
Figure 1: The bank has enjoyed significant growth year on year, especially
so over the last five years
Figure 2: Since the mid-1990s the affordability of first-time mortgages in
the UK has halved
Figure 3: First-time buyer deposits have sharply escalated since the late
1990s
Figure 4: FamilyLink' s ' LINK EARN SAVE' message truly embraces the family
values and generates benefits for both mortgage customers and their family
members
Figure 5: Standard Chartered' s FamilyLink series (LinkOne) has been
innovative in helping increase affordability for first-time buyers
Figure 6: Customer testimonials attest to FamilyLink' s popularity
Figure 7: Standard Chartered in Hong Kong offers several different options
for repayment
