株式会社グローバルインフォメーション
TEL: 044-952-0102
表紙
市場調査レポート

モバイル経路による口座開設:ニューノーマルへの適合

Mobile Account Opening: Adjusting to a New Normal

発行 Mercator Advisory Group, Inc. 商品コード 350801
出版日 ページ情報 英文 39 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=115.27円で換算しております。
Back to Top
モバイル経路による口座開設:ニューノーマルへの適合 Mobile Account Opening: Adjusting to a New Normal
出版日: 2016年01月27日 ページ情報: 英文 39 Pages
概要

当レポートでは、モバイル経路による口座開設に向けた動向について調査し、消費者需要を形成する技術および動向、金融機関が直面する解消すべき各種課題、モバイル経路による口座開設を実現する潜在的ソリューションの検証などをまとめています。

本調査のハイライト

  • 消費者による商取引の行動・期待を形作る動向および技術のレビュー
  • 金融商品に対する"バイヤージャーニー"とデジタル技術の影響
  • モバイル経路による口座開設に関して金融機関が直面している課題
  • 金融機関への提言:スマートフォンやタブレットに適した口座開設プロセスの再設計とさまざまな利用事例を特定し・サポートするガイダンス
  • 現在利用可能なモバイル経路による口座開設ソリューションのレビュー

調査対象企業

  • Adobe
  • Amazon
  • AU10TIX
  • AuthenticID
  • Avoka
  • BankMobile
  • BehavioSec
  • Betterment
  • Cachet Financial Solutions
  • CreditCards.com
  • Credit Karma
  • Equifax
  • Experian
  • Google
  • Gro Solutions
  • ID Analytics
  • IDology
  • iovation
  • Jumio
  • Lending Club
  • Malauzai
  • miiCard
  • Mitek
  • MorphoTrust USA
  • OnDeck Capital
  • Payfone
  • Salesforce
  • Socure
  • SoFi
  • Synchrony
  • Trunomi
  • Trulioo
  • USAA
  • Yodlee
  • Zoot
目次

The ubiquity of Internet-connected mobile devices is reshaping the preferences and expectations of consumers when it comes to acquiring products and services-in every industry. The financial services industry is no exception. Banks, credit unions, and other financial institutions (FIs) are already starting to see decreases in account opening through traditional channels like the branch and online as mobile-focused customer acquisition strategies have begun to take off.

Despite clear shifts in consumer preferences and behaviors, a majority of financial institutions do not currently allow their customers to select, apply for, and open new financial accounts entirely on a mobile device. There are a myriad of legal, technical, and institutional barriers standing in the way. None of these barriers is insurmountable, but collectively they represent a steep challenge for FIs to overcome.

Mercator Advisory Group's research report, ‘Mobile Account Opening: Adjusting to a New Normal’, reviews the trends driving consumer demand for and FIs' interest in mobile account opening (MAO) and outlines the challenges and potential solutions for enabling MAO for different financial products and customer use cases.

“Today, the mobile channel contributes a small trickle of new accounts for most banks. Within a few years, it will be a flood,” comments Alex Johnson, Director, Credit Advisory Service at Mercator Advisory Group and the author of the research report. “Changing consumer behaviors suggest an important role for mobile account opening moving forward, the question is when and how financial institutions should respond.”

This research report contains 39 pages and 18 exhibits.

Companies mentioned in this research note include: Adobe, Amazon, AU10TIX, AuthenticID, Avoka, BankMobile, BehavioSec, Betterment, Cachet Financial Solutions, CreditCards.com, Credit Karma, Equifax, Experian, Google, Gro Solutions, ID Analytics, IDology, iovation, Jumio, Lending Club, Malauzai, miiCard, Mitek, MorphoTrust USA, OnDeck Capital, Payfone, Salesforce, Socure, SoFi, Synchrony, Trunomi, Trulioo, USAA, Yodlee, and Zoot.

One of the exhibits included in this report:

                        Source: Mercator Advisory Group

Highlights of the research report include:

  • A review of the trends and technologies reshaping consumers' commerce behaviors and expectations
  • An overview of the “buyer's journey” for financial products and the impact that digital technologies have had on it
  • Discussion of the challenges that financial institutions face in developing and deploying mobile account opening for customers
  • Recommendations for financial institutions on redesigning the account opening process to fit on smartphones and tablets, with specific guidance on identifying and supporting different use cases
  • Review of some of the leading mobile account opening solutions available in the market
Back to Top