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市場調査レポート
民間銀行および資産運用機関によるオンラインサービスの展開
Private Banks on the Internet
| 発行 |
Datamonitor |
| 出版日 |
2004年12月 |
商品コード |
25769 |
| ページ情報 |
英文 49 Pages |
| 価格 |
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当商品の販売は、2011年07月19日を持ちまして終了しました。
Introduction
- After the failure of online wealth management in 2000-2002 wealth managers
are taking a cautious approach to online provision, but have recognized that
an online offering is important. This insight report assesses the current
and potential role of the online channel for wealth managers, highlighting
the key issues and considerations that need to be made.
Scope of this report
- Strictly focused on the internets for wealth managers and private banks,
both currently and in the future
- Based on an extensive analysis of 20 private banks website offerings for
both prospective and existing customers
- Contains an in-depth review of the key considerations and strategic
options for wealth managers
- European in focus, but containing key issues and analytical frameworks
that are applicable at a global level
Research and analysis highlights
- While the retail banking sector has been quicker to rekindle the Internet,
wealth managers have taken a much more cautious approach. This in part
reflects some disastrous Internet-based wealth management attempts by the
likes of MLHSBC or Lloyds TSBs Create, which made the online concept looked
distinctly flawed rather than just ill-timed.
- Online portfolio-tracking services are becoming must-haves for wealth
managers with clarity and simplicity key watchwords in designing an
effective solution. From a supply perspective there is strong support across
the industry that the internet has the potential to add value though
enhancing the quality and convenience of information flow.
- The argument that the online channel is a poor substitute for the
relationship manager underlines the flawed perspective from which some
providers have approached the internet. Datamonitor believes that if
harnessed effectively the Internet can actually increase access to staff in
terms of both sales leads and channel choice for existing clients.
Key reasons to read this report
- Detail of competitor initiatives and case studies provides insight and
ideas into current and potential future offerings
- Offers a future focused view of industry direction and the strategic
options for players in developing their response to the online trend
- Draws together a series of action points to help wealth managers identify
their strategic priorities
MARKET BACKGROUND
- Introduction
- The Internet as a channel for financial services
- The Internet as a channel for wealth managers
- History
- Online wealth management: Victim of bad timing or a flawed
concept?
- Market drivers
- A subtle shift is taking place in wealth managers attitude to the
Internet
WEALTH MANAGER INTERNET OFFERINGS
- Overview
- The Internet as a marketing tool
- Type of information communicated
- Most large wealth managers have a dedicated private banking
website
- Business profile, locations and products are the key items
communicated
- ... but there are key areas where information could be more
transparent
- Wealth manager benchmarking
- HSBC rates top overall for the use of its website for marketing
purposes
- Instructions for further information could be improved by some
players
- Some wealth managers are failing to distinguish their private
banking offering sufficiently
- The Internet as a client service channel
- Extent of client service features
- Wealth managers range of services and transactional features
varies
- The web services offered to private banking clients are not always
differentiated from wider group online services
- Wealth manager case studies
- Credit Suisse: strong transactional capabilities in a
comprehensive offering
- Citigroup: looking to raise the quality of investment reporting
- Industry direction
- Demand perspective
- Relatively slow growing demand with face-to-face channels still
key
- Defining where there is and is not demand potential
- Supply Perspective
- Enhanced information flow is the key area of perceived opportunity
- Some also see the opportunity for the internet to deliver
efficiencies
- Summary of findings
STRATEGIC OPTIONS AND ACTIONS
- Overview
- Key considerations
- Purpose and objectives
- Service possibilities created by technology
- Technological development will define the universe of possibility
- Scale of operation and institution type
- Nature of client base and customer orientation
- Strategic options & positioning
- Bare minimums
- Willing and ables
- Niche innovators
- Action Points
- Differentiate the online service to private banking customers
- Prioritize improved communication and increased access
- Make a clear decision on the necessary online servcies and establish
them cost effectively
- Monitor and seek to optimize the use of the online channel within its
established remit
APPENDIX
- Research methodology
- Data tables for website assessment
- Definitions
- Advisory portfolio management
- Discretionary portfolio management
- HNW
- Mass affluent
- Self-directed investors
- Further reading
- Datamonitor Global Wealth Service SPP: Reports
- Datamonitor Global Wealth Service SPP: Insight Reports
- Datamonitor Global Wealth Service SPP: Competitor Tracking
- Related Asia-Pacific Wealth Management SPP: Reports
- Datamonitors Global Wealth Model
- SPP writing team
- List of Tables
- Table 1: European Internet banking customer numbers and forecasts,
2000-2006f
- Table 2: Type and level of information communicated by 20 major wealth
managers to prospective customers via websites
- Table 3: Overall scores for wealth managers website as a marketing
tool for prospective customers
- Table 4: Scores for the usefulness of information communicated for
each wealth manager, broken down by component (out of 5)
- Table 5: Scores for the website design and appearance for each wealth
manager, broken down by component (each out of 5)
- Table 6: Countries that can be modeled using Datamonitors Global
Wealth Model
- List of Figures
- Figure 1: Internet Banking has grown substantially across Europe
- Figure 2: Drivers behind the increasing provision of online services
in wealth management
- Figure 3: Most major private banks have a separate website dedicated
to informing prospective customers about their offering
- Figure 4: Information on fees and past performance is rarely provided
to prospective customers via wealth managers websites
- Figure 5: HSBC makes the best overall use of its website in marketing
its proposition to prospective customers
- Figure 6: Coutts and Unicredit Private Bank fare best in terms of the
usefulness of information given to prospective customers
- Figure 7: There is significant variation in the quality of the design
and appearance of private banking websites
- Figure 8: A quarter of wealth managers do not differentiate the online
services they offer to private banking clients
- Figure 9: Screenshot: Online services from Credit Suisse Private
Banking
- Figure 10: The developing role of the internet channel in wealth
managers business models
- Figure 11: Any emerging online features introduced by wealth managers
will be subject to the diffusion of innovation curve
- Figure 12: Customers orientation in managing their wealth will be key
to defining the sophistication of the Internet offering required
- Figure 13: A matrix for assessing different online services
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