市場調査レポート

英国の住宅ローン・貯蓄市場におけるアフィニティ・パートナーシップマーケティング

Affinity and Partnership Marketing in UK Mortgages and Savings Accounts

発行 Finaccord Ltd. 商品コード 119152
出版日 ページ情報 英文 95 Pages
納期: 即日から翌営業日
価格
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英国の住宅ローン・貯蓄市場におけるアフィニティ・パートナーシップマーケティング Affinity and Partnership Marketing in UK Mortgages and Savings Accounts
出版日: 2010年04月01日 ページ情報: 英文 95 Pages

当商品の販売は、2016年07月01日を持ちまして終了しました。

概要

当報告書では、英国の住宅ローン・貯蓄市場におけるアフィニティ・パートナーシップマーケティングの実例を詳細に調査分析し、提携オファーのタイプ、運用モデル、普及率、市場シェアなどをまとめ、概略下記の構成でお届けいたします。

エグゼクティブサマリー

第1章 イントロダクション

第2章 市場概要

  • 英国の住宅ローン・貯蓄市場におけるアフィニティ・パートナーシップ

第3章 非営利アフィニティグループ

  • チャリティ
  • ライフスタイル組織
  • 政治団体
  • 専門職協会
  • スポーツ機関
  • 産業団体
  • 労働組合
  • 大学
  • その他

第4章 ファイナンシャルパートナー

  • 銀行
  • 住宅金融組合
  • 信用組合
  • 共済組合
  • 保険会社
  • オンラインアグリゲーター・ブローカー
  • パッケージドアカウント・ペイメントカード
  • 質屋・小切手業者・外貨送金サービスプロバイダー
  • 専門貸付業者

第5章 商業組織

  • 航空会社
  • 自動車協会
  • 自動車ディーラー・修理工場・スーパーマーケット
  • 自動車製造業者
  • 不動産業者
  • サッカークラブ
  • インターネット・メディア・通信関連組織
  • オンライン価格比較プロバイダー
  • 小売業者
  • 旅行会社
  • ユーティリティ企業
  • その他

図表

目次

Abstract

Finaccord' s report titled Affinity and Partnership Marketing in UK Mortgages and Savings Accounts represents the most detailed research ever undertaken on this sector and is one of eight studies in a new series of publications. Drawing on the results of a survey of 2,565 organisations, the report analyses the penetration, operating models and provider share of relationships of affinity and partnership marketing schemes for mortgages and savings accounts across a range of distributor categories. These include charities, estate agents, football clubs, friendly societies, insurers, Internet, media and telecoms entities, online aggregators and brokers, on-line price comparison providers, professional associations, retailers and trade unions. Moreover, the PartnerBASE database that accompanies the report provides the granular detail behind the analysis, detailing each of the more than 300 affinity and partnership marketing initiatives traced by Finaccord in this sector. You may be able to use this report and associated PartnerBASE database in one or more of the following ways: drill down into the detail lying behind affinity and partnership marketing schemes for mortgages and savings accounts in the UK; gain access to research that chronicles the vast majority of affinity marketing opportunities in mortgages and savings accounts; use the PartnerBASE database to identify trends by partner type, operating model and product provider; benchmark the competitive position of your own organisation in affinity and partnership marketing of mortgages and savings accounts and spot opportunities for displacing rivals; plan your future affinity and partnership marketing strategy for mortgages and savings accounts armed with the best market and competitor intelligence available on this subject. Together, the report and PartnerBASE database will provide you with the definitive guide to current and potential affinity and partnership marketing opportunities in UK mortgages and savings accounts.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Research background and structure
  • Examples of partnership marketing of mortgages exist across many affinity sub-categories with the vast majority of initiatives identified adhering to a brokerage operating model and with only one group, among mortgage lenders, holding a significant number of ties
  • Although fewer in number, affinity savings accounts are also offered by a variety of partner types with successful examples extending beyond the usual territory of charities and football clubs
  • Having sold out of its joint venture with Tesco, RBS may also lose Virgin as a partner
  • Different routes to success may exist in affinity marketing of mortgages and savings

1.0 INTRODUCTION

  • Rationale
    • The channels used to distribute financial products and services in the UK continue to proliferate
  • Methodology
  • Finaccord
    • UK affinity and partnership marketing publications
    • Other UK consumer research publications
    • UK small business financial services research publications
  • PartnerBASE™
  • Definitions

2.0 MARKET OVERVIEW

  • Affinities and partnerships in UK mortgages and savings accounts albeit the Britannia and the Co-operative
    • Finaccord' s research identifies almost 200 current affinity schemes for promoting mortgages with most intermediated by an aggregator or broker rather than placed with an actual lender. Bank combined hold a significant number of deals
    • The research also extends to 138 partnership marketing initiatives for savings accounts of which well over one third are attributable to the football club sub-category
    • However, the most significant partnerships by volume and value may lie elsewhere

3.0 NOT-FOR-PROFIT AFFINITY GROUPS

  • 3.1 Charities
  • Introduction
    • Analysis of partnerships
    • Just three charities have any involvement in the provision of mortgages to their supporters although affinity savings accounts are widespread among both local and national charities
    • Accounts focused on local air ambulance services and hospices appear especially popular
    • While still comparatively small, Triodos Bank has grown very rapidly in recent years
  • 3.2 Lifestyle organisations
  • Introduction
  • Analysis of partnerships
    • Although a small category by number, there are several interesting affinity schemes in place
  • 3.3 Political parties
  • Introduction
    • The Plaid Cymru Credit Union offers both mortgages and savings to members
  • 3.4 Professional associations
  • Introduction
    • 28 professional associations possess in excess of 30,000 individual members
  • Analysis of partnerships
    • Brokers dominate mortgage affinity schemes set up with professional associations with Parliament Hill having expanded its roster of professional bodies with a combined total of over 1.4 million members
    • and with other brokers restricted to a much smaller number of affinity partnerships
    • Very few professional associations have chosen an accredited provider of savings accounts
  • 3.5 Sports organisations
  • Introduction
  • Analysis of partnerships
    • The British Orienteering Federation maintains a relationship with the Loughborough
  • 3.6 Trade associations
  • Introduction
  • Analysis of partnerships
    • The involvement of trade associations in personal mortgages and savings is very limited
  • 3.7 Trade unions
  • Introduction
  • Analysis of partnerships
    • Three mortgage providers possess more than one distribution deal with trade unions although many are limited to a single relationship only
    • In three cases, credit unions are affiliated to trade unions
  • 3.8 Universities
  • Introduction

4.0 FINANCIAL PARTNERS

  • 4.1 Banks
  • Introduction
  • Analysis of partnerships
    • Citibank, through its partnership with John Charcol, is unique in using a mortgage broking model
  • 4.2 Building societies.
  • Introduction
  • Analysis of partnerships
    • Only two building societies have shifted to a brokerage model although more could follow
  • 4.3 Credit unions
  • Introduction
    • Four Scottish credit unions offer mortgages to their members, two through external brokers
  • 4.4 Friendly societies
  • Introduction
  • Analysis of partnerships
    • Three friendly societies have discontinued involvement in mortgage broking since 2008
    • Police Mutual' s cash ISA is offered in conjunction with the Skipton
  • 4.5 Insurance companies
  • Introduction
  • Analysis of partnerships
    • Seven insurance brands are active in the mortgage sector in one form or another although the number drops to five for savings accounts
  • 4.6 Online aggregators and brokers
  • Introduction
  • Analysis of partnerships
    • London & Country Mortgages lays claim to a trio of external relationships
    • For savings accounts, six firms possess exclusive deals but none holds more than one
  • 4.7 Packaged accounts and payment cards
  • Introduction
  • 4.8 Pawnbrokers, cheque cashers and providers of foreign exchange and remittance services
  • Introduction
  • 4.9 Specialized lenders
  • Introduction
    • Specialized lenders focus exclusively on the distribution of their own products

5.0 COMMERCIAL ENTITIES

  • 5.1 Airlines
  • Introduction
  • 5.2 Automotive associations
  • Introduction
  • Analysis of partnerships
  • Two automotive associations have developed affinity mortgage or savings products
  • 5.3 Automotive dealers, repair shops and supermarkets
  • Introduction
    • Kwik Fit has discontinued its mortgage distribution relationship with Moneysupermarket.com
  • 5.4 Automotive manufacturers
  • Introduction
    • BMW no longer offers its own savings account
  • 5.5 Estate agents
  • Introduction
  • Analysis of partnerships
    • All but a handful of estate agencies maintain links with a captive or external mortgage broker
    • among which appointed representatives of two financial networks are fairly widespread
    • Openwork is among the top three distributors for a majority of major mortgage providers
  • 5.6 Football clubs
  • Introduction
  • Analysis of partnerships
    • Several clubs' multi-product financial services divisions have closed after a brief existence
    • The Britannia has expanded its roster of football club partners for mortgages
    • Over two thirds of football clubs offer affinity savings accounts to their supporters
  • 5.7 Internet, media and telecoms entities
  • Introduction
  • Analysis of partnerships
    • Almost all entities distributing mortgages in this category have opted for a brokerage model with four providers having established more than one mortgage searching deal each
    • The Co-operative Bank and Emma' s Diary kicked off their partnership in November 2009
    • Moneysupermarket.com is the most prolific partner in the field of savings accounts
  • 5.8 Online price comparison providers
  • Introduction
  • Analysis of partnerships
    • Few online price comparison providers offer searching facilities for mortgages or savings accounts
  • 5.9 Retailers
  • Introduction
  • Analysis of partnerships
    • Mortgage lending has not yet entered the mainstream retailer financial services sector although several major retail chains in the UK have developed a savings proposition including both Marks & Spencer, by means of its partnership with HSBC and WH Smith, which has been collaborating with NS&I since August 2007
    • Sainsbury' s Bank has achieved a better level of profitability during 2008 and 2009
  • Tesco Bank will become a very significant challenger to incumbent retail banks in the UK
  • 5.10 Travel companies
  • Introduction
  • 5.11 Utilities companies
  • Introduction
  • 5.12 Other commercial entities
  • Introduction
  • Branded conglomerates
    • Four diverse organisations are now classified as ' branded conglomerates' with Virgin planning an ambitious expansion of its financial services activities which may bring about an end to its long-standing corporate partnership with RBS
  • Loyalty schemes
    • The loyalty schemes category includes programs based around leisure, shopping and travel
    • AIRMILES, ipoints and Nectar have very different profiles and histories
    • Both ipoints and Nectar allow members to accumulate points by taking out savings accounts
  • The Post Office
    • A large question mark hangs over the Post Office' s relationship with Bank of Ireland as the UK government moots plans to use its network for a ' people' s bank'

GRAPHICS / TABLES

  • The affinity and partnership marketing universe
  • Entities contacted for the research, segmented by broad category
  • Affinity and partnership marketing schemes for mortgages in the UK: penetration by type of partner
  • Affinity and partnership marketing schemes for mortgages in the UK: segmentation by operating model and
  • competitor
  • Affinity and partnership marketing schemes for savings accounts in the UK: penetration by type of partner
  • Affinity and partnership marketing schemes for savings accounts in the UK: segmentation by operating model and
  • competitor
  • Charities offering mortgages through partnerships
  • Charities offering savings accounts: penetration, operating models and share of partnerships
  • Lifestyle organisations offering mortgages or savings accounts through partnerships
  • Political parties offering mortgages or savings accounts through partnerships
  • 3.4 Professional associations
  • 28 professional associations possess in excess of 30,000 individual members
  • Professional associations offering mortgages: penetration, operating models and share of partnerships
  • Professional associations offering savings accounts through partnerships
  • Sports organisations offering mortgages or savings accounts through partnerships
  • The top 75 trade associations in the UK ranked by member numbers, 2010 (data)
  • The top 75 trade associations in the UK ranked by member numbers, 2010 (data) (continued)
  • Trade associations offering mortgages through partnerships
  • The top 40 trade unions in the UK ranked by member numbers, 2010 (data)
  • Trade unions offering mortgages: penetration, operating models and share of partnerships
  • Trade unions offering savings accounts: penetration, operating models and share of partnerships
  • Building societies offering mortgages: penetration, operating models and share of partnerships
  • The top 20 credit unions in the UK ranked by member numbers (data)
  • The top 25 friendly societies in the UK ranked by member numbers, 2008 (data)
  • Friendly societies offering savings accounts through partnerships
  • Insurance companies offering mortgages: penetration, operating models and share of partnerships
  • Insurance companies offering savings accounts through partnerships
  • Online aggregators and brokers offering mortgages: penetration, operating models and share of partnerships
  • Online aggregators and brokers offering savings accounts: penetration, operating models and share of
  • partnerships
  • Automotive associations offering mortgages or savings accounts through partnerships
  • Estate agents offering mortgages: penetration, operating models and share of partnerships
  • Football clubs offering mortgages: penetration, operating models and share of partnerships
  • Football clubs offering savings accounts: penetration, operating models and share of partnerships
  • Internet, media and telecoms entities offering mortgages: penetration, operating models and share of partnerships
  • Internet, media and telecoms entities offering savings accounts: penetration, operating models and share of
  • partnerships
  • Online price comparison providers offering mortgages or savings accounts through partnerships
  • Retailers offering mortgages: penetration, operating models and share of partnerships
  • Retailers offering savings accounts: penetration, operating models and share of partnerships
  • Branded conglomerates offering mortgages or savings accounts through partnerships
  • Loyalty schemes offering mortgages or savings accounts through partnerships
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