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フィンテックとデビットカード:消費者の獲得競争

Fintech and Debit Cards: Battling for Consumers' Attention

発行 Mercator Advisory Group, Inc. 商品コード 919259
出版日 ページ情報 英文 16 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=107.71円で換算しております。
フィンテックとデビットカード:消費者の獲得競争 Fintech and Debit Cards: Battling for Consumers' Attention
出版日: 2019年12月16日 ページ情報: 英文 16 Pages
概要

当レポートでは、フィンテックの提供するファイナンシャルプランニングアプリの利用動向と金融機関への影響を調査し、消費者向けプランニングアプリ市場の動向、アプリにおける個人のバンキングデータの利用と懸念、主要アプリのレビュー、金融機関によるアプリ提供の可能性、金融機関への提言などをまとめています。

調査内容のハイライト

  • 市場動向:消費者向けファイナンシャルプランニングアプリ
  • プランニングアプリに必要なバンキングデータの利用
  • フィンテックのバンキングに対する考え:ファイナンシャルアドバイスの提供・口座および預金の管理・クレジットの発行
  • 支出の追跡・貯蓄・投資に焦点を当てた14アプリのレビュー
  • 銀行・信用金庫:より良いアプリプロバイダーになれる可能性

掲載企業・組織

  • Acorns
  • Albert
  • Amazon
  • Apple
  • Betterment
  • BMW Bank of North America
  • Citigroup
  • Digit
  • Dosh Every Dollar
  • Facebook
  • GasBuddy
  • Mint
  • Nelnet
  • Qapital
  • Robinhood
  • Sallie Mae Bank
  • Simple
  • SoFi
  • Square
  • Stanford Federal Credit Union
  • Stash
  • Trim
  • WEX Bank
  • You Need a Budget
目次

Skirmish Between Banks and Fintechs over Financial Planning Apps.

New Mercator Advisory Group research report explores consumers' use of financial planning apps from fintech companies and its impact on financial institutions.

Consumers looking for help to manage debt, track their spending, create savings, or make inexpensive stock trades are in luck. The number of apps available to help them manage every aspect of their finances is growing seemingly exponentially. Many of them from financial technology companies, fintechs, that seek to disrupt the traditional banking industry. And many of these apps rely on access to users' banking data that users prefer to have updated automatically rather than type it in manually. Without mandated security standards like the open banking standards in the European Union, data ownership and the protection of that data are in question.

Fintech and Debit Cards: Battling for Consumers' Attention, a new research report from Mercator Advisory Group analyzes this new market, reviews a variety of apps budgeting, coupons and rewards, saving, and investing, and offers advice to banks and credit unions on ways to avoid disruption by the fintechs.

"The market for personal financial planning apps has matured in the last couple of years. The quality of the advice and interactions with users has really improved. These apps depend on getting the individual consumers' banking data, however, and that is raising questions about data ownership and security here in the United States, where open banking hasn't been codified," comments Sarah Grotta, Director, Debit and Alternative Products Advisory Service at Mercator Advisory Group, and author of the report.

This research report has 16 pages and 2 exhibits.

Companies mentioned in this report include: Acorns, Albert, Amazon, Apple, Betterment, BMW Bank of North America, Citigroup, Digit, Dosh Every Dollar, Facebook, GasBuddy, Mint, Nelnet, Qapital, Robinhood, Sallie Mae Bank, Simple, SoFi, Square, Stanford Federal Credit Union, Stash, Trim, WEX Bank, and You Need a Budget.

One of the exhibits included in this report:

image1

Highlights of the research report include:

  • Market trends in consumer financial planning apps
  • The use of banking data needed to feed the planning apps
  • Fintechs' consideration of banking charters not only to provide financial advice but also to manage the accounts, gather deposits, and issue credit
  • A review of 14 apps focused on spend tracking, savings, or investing
  • Why banks and credit unions could be better providers of these apps with the right solution