市場調査レポート

アジア太平洋地域における小売業者による消費者金融およびリテールバンキング

Retailer Consumer Finance and Banking in the Asia-Pacific Region

発行 Finaccord Ltd. 商品コード 310935
出版日 ページ情報 英文 114 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=101.50円で換算しております。
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アジア太平洋地域における小売業者による消費者金融およびリテールバンキング Retailer Consumer Finance and Banking in the Asia-Pacific Region
出版日: 2014年06月01日 ページ情報: 英文 114 Pages
概要

当レポートは、アジア太平洋地域14カ国において1500社以上の有名小売ブランドの調査を行った結果を基に、主要な小売ブランド店の店頭における消費者向け金融サービスの状況を精査・分析したもので、貯蓄預金や個人向けローン、抵当貸し付け、また国際送金等についての小売店の取り組みについても分析に加えています。

エグゼクティブ・サマリー

第1章 序論

  • 当レポートについて
  • 調査の背景
  • 調査手法
  • 定義
    • 消費者金融とリテールバンキング
    • 運営モデル
    • 重み付けシェア
  • PartnerBASE
  • Finaccordについて

第2章 アジア太平洋地域市場概要

  • 消費者金融
    • 店頭でクレジットカード以外の消費者金融サービスを提供しているのは主な小売業ブランドの内の10%にも満たない。その中で金融サービスの提供率が最も高いのは高額商品を扱っている小売業であり、また単なるオフライン専用やオンライン専用の業態ではなく、いろいろな販路モデルを有している小売業である
    • アジア太平洋地域での消費者金融プログラムの80%以上が外部の企業との提携で行っている。ただし、小売業ブランドの中には内部で資金供給を行って消費者金融サービスを提供しているものも多く、また自社専用の金融機関を保有している小売業ブランドもいくつかはある
    • 日本のJACCSの強さは突出している。それは重みづけを行った分析でも重みづけなしの分析においても変わらない
  • バンキング金融商品
    • 概要
      • 一般的なバンキング金融商品やサービスを扱っているのは比較的少数のブランドしかない。ただし日本の小売業者はこの分野で活発に活動している
    • 個人ローン、抵当貸付け、預金口座
      • 銀行との提携ができているところではこういった金融商品は通常そのような専属の提携銀行から仕入れている。
      • 楽天銀行やセブン銀行を通して、楽天やセブン&アイがそれぞれ特に目立っている
    • 国際決済 / 送金
      • 主な小売業ブランドではかなり多くが国際決済または国際送金のサービスを設定している

第3章 オーストラリア

  • 序論
  • 消費者金融
    • 小売店店頭での消費者金融サービス提供率はクレジットカードや他のペイメントカードでのサービス提供率よりも低い
    • inRent、RentSmart、およびFlexiRentが外部プロバイダとして最多の提携銀行数を誇る
    • FlexiGroupは金融および決済ソリューションの提供を業務とする数多くの企業を取り込んでいる
    • 各小売業カテゴリーの中でそれぞれ3分の1以上の小売業ブランドが店頭での顧客向け金融サービスを営んでいる
  • 銀行商品
    • 概要
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第4章 中国

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第5章 インド

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第6章 インドネシア

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第7章 日本

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第8章 マレーシア

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第9章 ニュージーランド

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第10章 フィリピン

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第11章 シンガポール

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第12章 韓国

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第13章 タイ

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第14章 ベトナム

  • 消費者金融
  • 銀行商品
    • 個人ローン、抵当貸付け、および預金口座
    • 国際決済 / 送金

第15章 付録

付図・付表

目次

Retailer Consumer Finance and Banking in the Asia-Pacific Region is a report, based on a survey of over 1,500 prominent retail brands in 14 countries, about the provision of consumer finance at the point of sale by major retailers. Retailer initiatives in savings deposits, personal loans, mortgages and international remittances are also considered.

Countries covered are Australia, China, Hong Kong, India, Indonesia, Japan, Malaysia, New Zealand, the Philippines, Singapore, South Korea, Taiwan, Thailand and Vietnam.

In total, the research identifies over 150 consumer finance schemes and over 70 product initiatives in retailer banking, thereby providing a definitive analysis of retailer consumer finance and banking in the Asia-Pacific region that goes far beyond the scope of previous published research.

Moreover, the PartnerBASE™ dataset that accompanies the report details each of the many retailer consumer finance and banking programs traced by Finaccord, specifying the operating models used by retailers and the identities and ultimate holding companies of the ultimate product providers in each case.

Key findings from the executive summary include:

  • consumer finance schemes are most widespread among major retailers in New Zealand given a provision rate of 18.9%, followed by China at 16.7% and Japan at 16.4%;
  • retail brands in the consumer electronics category are the most likely to offer consumer finance with a provision rate of 33.9%, followed by retailers of DIY, furniture and home products (20.2%) and department store and variety retail brands (16.9%);
  • across the various retailer banking initiatives identified, over three quarters involve captive partners alone - with Japan's AEON Bank, Rakuten Bank and Seven Bank among the most notable of these - while the remaining 22.7% involve single external partnerships with banks;
  • 29 major retail brands (or 1.9% of those surveyed) offer international remittance services with Western Union used as a direct provider in 14 cases and as a joint venture partner in the case of Seven & I's Seven Bank International Money Transfer.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
    • Rationale arises both from factors specific to consumer finance and banking...
    • ... and from dynamics in the retailing market itself
  • Methodology
    • Survey of retailers
      • The survey's scope covers over 1,500 major retail brands drawn from ten categories and 14 countries...
      • ... and classified according to their use of offline-only, online-only or mixed distribution models
  • Definitions
    • Consumer finance and banking
    • Operating models
    • Weighted shares
  • PartnerBASE
  • Finaccord

2.0 REGIONAL OVERVIEW

  • Consumer finance
    • Just under 10% of major retail brands have an arrangement for non-card point-of-sale finance...
    • ... with involvement rates highest among retailer categories selling higher value products...
    • ... and among retailers with a mixed distribution model as opposed to a purely offline or online one
    • Over 80% of consumer finance programs in the region are based on use of external partners...
    • ... albeit a number of retail brands fund consumer finance on an internal basis...
    • ... and several captive entities are also in evidence
    • The strength of JACCS in Japan makes it prominent in both the unweighted and weighted analysis
  • Banking products
    • Overview
      • A comparatively small number of brands have introduced general banking products or services...
      • ... with those in Japan most likely to be active in this sphere
    • Personal loans, mortgages and savings accounts
      • Where available, products are usually sourced from captive banking partners...
      • ... with these most numerous among retail brands in the supermarket / hypermarket category
      • Through Rakuten Bank and Seven Bank respectively, Rakuten and Seven & I are especially visible
    • International payments / remittances
      • A significant number of major retail brands have set up international payment or remittance services...
      • ... with those in Thailand and the Philippines most likely to have done so...
      • ... and with Western Union involved in many of these initiatives

3.0 AUSTRALIA

  • Introduction
  • Consumer finance
    • Retailer provision rates for point-of-sale finance are below those for credit or other payment cards
    • inRent, RentSmart and Flexirent boast the most partnerships as external providers...
    • ... with HSBC assuming greater prominence in weighted terms
    • FlexiGroup incorporates a range of companies involved in providing finance and payment solutions
    • Over a third of retail brands in one category offer point-of-sale finance to customers
  • Banking products
    • Overview
      • Only two major retail brands in Australia offers mainstream banking products to their customers
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

4.0 CHINA

  • Introduction
  • Consumer finance
    • The provision rate among major retailers for point-of-sale finance has tripled since 2010
    • China Merchants Bank emerges as a leader in this field in both unweighted and weighted terms...
    • ... with nine other providers apparent, two of which are classifiable as captives
    • Three categories lack any retail brands with involvement in non-card consumer finance
  • Banking products
    • Overview
      • Half a dozen major retail brands in China offer general-purpose personal loans to their customers...
    • Personal loans, mortgages and savings accounts
      • ... with all six relying upon captive partners in this context
      • China Resources Bank acts as a captive provider for three retail brands belonging to its own parent
    • International payments / remittances
      • Western Union is used as partner by two of the retail chains researched in China

5.0 INDIA

  • Introduction
  • Consumer finance
    • Major retailers in India are less likely to offer point-of-sale finance than co-branded credit cards
    • Bajaj Finserv is easily the most significant provider of point-of-sale finance in the retail sector...
    • ... and its share of partnerships is even higher when viewed in weighted terms
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
    • Overview
      • A small number of major retail chains offer international remittance services through Western Union
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

6.0 INDONESIA

  • Introduction
  • Consumer finance
  • Banking products
    • Overview
      • Hypermart has introduced a savings account in partnership with CIMB Niaga...
    • Personal loans, mortgages and savings products
    • International payments / remittances
      • ... and Indomaret promotes an international remittance services with Western Union

7.0 JAPAN

  • Introduction
  • Consumer finance
    • Japanese retailers are much less likely to offer point-of-sale consumer finance than payment cards
    • JACCS is the dominant partner used in this domain...
    • ... in which only four other competitors are apparent...
    • ... namely AEON Credit Service, Cedyna, Credit Saison and Orico
    • Seven categories host retail brands with arrangements for non-card consumer finance
  • Banking products
    • Overview
      • As many as 11 major retail brands in Japan make savings accounts available to their customers...
    • Personal loans, mortgages and savings accounts
      • ... with some of the same captive providers involved as for payment cards and consumer finance
      • Both Rakuten Bank and Seven Bank are substantial captive banking businesses
      • Provision of mainstream banking products is concentrated mainly in two retailer categories
    • International payments / remittances
    • Seven Bank International Money Transfer is a joint venture of Seven & I with Western Union
    • Rakuten Bank launched its own international remittance service in 2013

8.0 MALAYSIA

  • Introduction
  • Consumer finance
    • Relatively few major retail brands have made an arrangement for non-card point-of-sale finance...
    • ... albeit AEON Credit Service works with several important partners in this arena
    • Those consumer finance schemes that exist are concentrated in three retailer categories
  • Banking products
    • Overview
      • The concept of retailer banking has not yet taken off to any significant degree in Malaysia
    • Personal loans, mortgages and savings products
    • International payments / remittances

9.0 NEW ZEALAND

  • Introduction
  • Consumer finance
    • Point-of-sale finance is quite commonly available from major retail chains in New Zealand
    • ... with five non-internal providers apparent in this field
    • The Warehouse Group plans an expansion of its in-house financial services capabilities with a new captive
  • Banking products

10.0 PHILIPPINES

  • Introduction
  • Consumer finance
    • Handyman offers point-of-sale finance to its customers but funds this on an internal basis
  • Banking products
    • Overview
      • All activity in this sphere is focused on international remittances...
    • Personal loans, mortgages and savings accounts
    • International payments / remittances
      • ... with four retail brands having introduced this type of service

11.0 SINGAPORE

  • Introduction
  • Consumer finance
    • Two retail brands in Singapore offer point-of-sale finance with both funding this themselves
  • Banking products
    • Overview
      • The collaboration of NTUC FairPrice with OCBC extends to a savings account
      • OCBC has strengthened its ties with NTUC through a number of shared initiatives
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

12.0 SOUTH KOREA

  • Introduction
  • Consumer finance
  • Banking products
  • Overview
    • Homeplus is co-operating with KISB for general-purpose personal loans
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

13.0 THAILAND

  • Introduction
  • Consumer finance
    • Krungsri is the only provider of point-of-sale finance active among major retailers in Thailand...
    • ... having become a part of Mitsubishi UFJ Financial Group in 2013
  • Banking products

14.0 VIETNAM

  • Introduction
  • Consumer finance
    • Relatively few major retail brands have set up a scheme for point-of-sale finance
    • HDFinance and PPF Vietnam are the two visible external providers in this arena
  • Banking products
    • Overview
      • Petrolimex has introduced an international remittance service with PG Bank
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

15.0 APPENDIX

  • Major captives and joint ventures
    • A few captive or joint venture entities are apparent in each of the product areas in scope

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Retailers researched in the Asia-Pacific region, segmented by category, country and distribution model, 2014

2.0 REGIONAL OVERVIEW

  • Retailer consumer finance in the Asia-Pacific region: provision by country, 2014
  • Retailer consumer finance in the Asia-Pacific region: provision by retailer category and distribution model, 2014
  • Retailer consumer finance in the Asia-Pacific region: provision rate and operating models, 2014
  • Retailer consumer finance in the Asia-Pacific region: operating models by country, 2014
  • Retailer consumer finance in the Asia-Pacific region: unweighted and weighted provider share of partnerships, 2014
  • Retailer banking in the Asia-Pacific region: provision by product type, 2014
  • Retailer banking in the Asia-Pacific region: provision by country, 2014
  • Retailer personal loans, mortgages and savings accounts in the Asia-Pacific region: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in the Asia-Pacific region: operating models by country, 2014
  • Retailer personal loans, mortgages and savings accounts in the Asia-Pacific region: provision by retailer category and distribution model, 2014
  • Retailer personal loans, mortgages and savings accounts in the Asia-Pacific region: unweighted and weighted provider share of partnerships, 2014
  • Retailer international payments / remittances in the Asia-Pacific region: provision and operating models, 2014
  • Retailer international payments / remittances in the Asia-Pacific region: provision by country, 2014
  • Retailer international payments / remittances in the Asia-Pacific region: provision by retailer category and distribution model, 2014
  • Retailer international payments / remittances in the Asia-Pacific region: unweighted and weighted provider share of partnerships, 2014

3.0 AUSTRALIA

  • Retailer consumer finance in Australia: provision rate and operating models, 2013
  • Retailer consumer finance in Australia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Australia, 2013
  • Retailer provision of other banking products and services in Australia, 2013
  • Retailer personal loans, mortgages and savings accounts in Australia: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Australia: provider share of partnerships, 2014
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Australia, 2014
  • Retailer international payments / remittances in Australia: provision rate and operating models, 2014
  • Provision of retailer international payments / remittances by retailer category and distribution model in Australia, 2014

4.0 CHINA

  • Retailer consumer finance in China: provision rate and operating models, 2014
  • Retailer consumer finance in China: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in China, 2014
  • Retailer provision of other banking products and services in China, 2014
  • Retailer personal loans, mortgages and savings accounts in China: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in China: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in China, 2014
  • Retailer international payments / remittances in China: provision and operating models, 2014
  • Provision of international payments / remittances by retailer category and distribution model in China, 2014

5.0 INDIA

  • Retailer consumer finance in India: provision rate and operating models, 2014
  • Retailer consumer finance in India: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in India, 2014
  • Retailer provision of other banking products and services in India, 2014
  • Retailer international payments / remittances in India: provision rate and operating models, 2014
  • Provision of international payments / remittances by retailer category and distribution model in India, 2014

6.0 INDONESIA

  • Retailer provision of other banking products and services in Indonesia, 2014
  • Retailer personal loans, mortgages and savings accounts in Indonesia: provision and operating models, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Indionesia, 2014
  • Retailer international payments / remittances in Indonesia: provision and operating models, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Indonesia, 2014

7.0 JAPAN

  • Retailer consumer finance in Japan: provision rate and operating models, 2014
  • Retailer consumer finance in Japan: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Japan, 2014
  • Retailer provision of other banking products and services in Japan, 2014
  • Retailer personal loans, mortgages and savings accounts in Japan: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in Japan: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Japan, 2014
  • Retailer international payments / remittances in Japan: provision and operating models, 2014
  • Retailer international payments / remittances in Japan: unweighted and weighted provider share of partnerships, 2014
  • Provision of international payments / remittances by retailer category and distribution model in Japan, 2014

8.0 MALAYSIA

  • Retailer consumer finance in Malaysia: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Malaysia, 2014
  • Retailer provision of other banking products and services in Malaysia, 2014
  • Retailer personal loans, mortgages and savings accounts in Malaysia: provision rate and operating models, 2014
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Malaysia, 2014

9.0 NEW ZEALAND

  • Retailer consumer finance in New Zealand: provision rate and operating models, 2014
  • Retailer consumer finance in New Zealand: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in New Zealand, 2014

10.0 PHILIPPINES

  • Retailer consumer finance in the Philippines: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in the Philippines, 2014
  • Retailer provision of other banking products and services in the Philippines, 2014
  • Retailer international payments / remittances in the Philippines: provision and operating models, 2014
  • Retailer international payments / remittances in the Philippines: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer international payments / remittances by retailer category and distribution model in the Philippines, 2014

11.0 SINGAPORE

  • Retailer consumer finance in Singapore: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Singapore, 2014
  • Retailer provision of other banking products and services in Singapore, 2014
  • Retailer banking products in Singapore: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Singapore, 2014

12.0 SOUTH KOREA

  • Retailer provision of other banking products and services in South Korea, 2014
  • Retailer personal loans, mortgages and savings accounts in South Korea: provision rate and operating models, 2014
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in South Korea, 2014

13.0 THAILAND

  • Retailer consumer finance in Thailand: provision rate and operating models, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in Thailand, 2014

14.0 VIETNAM

  • Retailer consumer finance in Vietnam: provision rate and operating models, 2014
  • Retailer consumer finance in Vietnam: unweighted and weighted provider share of partnerships, 2014 ......
  • Provision of retailer consumer finance by retailer category and distribution model in Vietnam, 2014
  • Retailer provision of other banking products and services in Vietnam, 2014
  • Retailer international payments / remittances in Vietnam: provision rate and operating models, 2014
  • Provision of retailer international payments / remittances by retailer category and distribution model in Vietnam, 2014

15.0 APPENDIX

  • Retailer captives and joint ventures for consumer finance in the Asia-Pacific region: countries active, operating models, and ownership, 2014
  • Retailer captives and joint ventures for banking products in the Asia-Pacific region: countries active, operating models, and ownership, 2014
  • Retailer captives and joint ventures for international payments / remittances in the Asia-Pacific region: countries active, operating models, and ownership, 2014
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