市場調査レポート - 125040

Standard Charteredのケーススタディ:住宅ローン

Standard Chartered Case Study: Charting New Mortgage Territory

発行 Datamonitor
出版日 ページ情報 英文 16 Pages
価格
Standard Charteredのケーススタディ:住宅ローン Standard Chartered Case Study: Charting New Mortgage Territory
出版日: 2010年06月21日 ページ情報: 英文 16 Pages
概要

当レポートでは、Standard Charteredの住宅ローン商品の成功要因を分析し、消費者にとっての魅力などについてまとめ、概略下記の構成で取り上げております。

第1章 DATAMONITORの見解

  • 発展要因
  • サマリー

第2章 分析

  • イントロダクション
  • Standard Charteredの強さは多様性にあり
  • 世界の住宅ローン市場は革新が必要
    • 貸手は初回住宅購入者などの不利なグループへの新たな対応が必要
    • 住宅ローンは顧客ロイヤルティ構築の武器になる
  • 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
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