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金融サービス市場:アフリカ系米国人・ヒスパニック

The Financial Services Market: African Americans and Hispanics

発行 Packaged Facts 商品コード 761403
出版日 ページ情報 英文 128 Pages
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金融サービス市場:アフリカ系米国人・ヒスパニック The Financial Services Market: African Americans and Hispanics
出版日: 2018年12月17日 ページ情報: 英文 128 Pages
概要

アフリカ系米国人世帯の資産は、2010年から2019年に70%の拡大が予測され、純資産が10万米ドル以上の世帯数は、2018年に470万世帯を上回る見込みです。ヒスパニック世帯の資産は2010年から2019年に90%以上の拡大が予測され、純資産が10万米ドル以上の世帯数は、2018年に350万世帯を上回ると予測されています。

当レポートでは、米国における金融サービス市場のアフリカ系米国人およびヒスパニックセグメントについて調査し、純資産、資産、および負債の動向について、銀行との関係性、資金運用・金融機関・差別に対する態度、および決済の好みやモバイルバンキング・アプリケーション・ウォレットの利用に関する調査に基づいて分析しています。

エグゼクティブサマリー

資金運用・金融機関・差別に対する態度

  • 資金運用、金融リスク、および金融機関に対する態度
  • 差別の認識

資産の動向

  • 純資産の予測
  • 純資産の動向:消費者金融の連邦準備金調査
  • 純資産の動向:消費者による日記型の決済手段の選択
  • 純資産セグメンテーションの動向

資産・負債の動向

  • 資産と負債
  • 住宅保有
  • 銀行/投資講座保有
  • 株式・流動資産

銀行との関係

  • 国立銀行、信用組合、地方銀行、およびインターネット銀行の利用
  • メインバンク選択の理由
  • 当座預金口座を開設する重要な要因
  • 当座借越/貸越額

モバイルバンキング・ウォレット・アプリケーション

  • オンライン・モバイルバンキング
  • モバイルウォレットアプリケーション
  • バンキング/金融アプリケーション

決済手段の選択

  • 消費者の決済手段:決済機関別
  • 1人あたりの決済額:人種/民族別
  • アフリカ系米国人消費者の決済手段:決済機関別
  • ヒスパニック消費者の決済手段:決済機関別

クレジットカードユーザーのウォレットシェア・純資産

  • クレジットカードユーザー、ユーザー1人あたりのカード数、およびウォレットのシェア
  • リボ払い利用者 vs. 一括払い利用者
  • クレジットカードユーザーの純資産:人種/民族別

付録

目次
Product Code: LA15840387

Multicultural consumers-particularly African American and Hispanic consumers-are a key financial services growth target. Buoyed by post-recession economic growth, African American household wealth is expected to grow by 70% from 2010 to 2019, and the number of African American households with a net worth of $100,000 or more is expected to top 4.7 million in 2018. Likewise, rising household incomes and increasing wealth translate to a need for the financial services industry to target Hispanic consumers across a wider and deeper range of products and services. Hispanic household wealth is expected to grow by more than 90% from 2010 to 2019, and the number of Hispanic households with a net worth of $100,000 or more is expected to top 3.5 million in 2018.

‘The Financial Services Market: African Americans and Hispanics ’ drills down into this population of multicultural consumers, examining household finances by demographic; analyzing net worth, asset, and debt trends; highlighting banking relationships and attitudes toward money management, financial institutions, and discrimination; and researching payment preferences and mobile banking, app, and wallet use. Heavy emphasis is placed on market sizing. Examples include total household wealth by various race/ethnicity demographic segments; the dollar value of payments made by various payment instruments; and active credit card wallet share of revolvers and transactors, by race/ethnicity. As such, the report provides an important marketing tool that can be used to target populations across a wide variety of financial services and products.

Table of Contents

Executive Summary

  • Report Scope
  • Report Summary
    • Attitudes Toward Money Management, Financial Institutions, and Discrimination
    • Wealth Trends
    • Asset and Debt Trends
    • Banking Relationships
    • Mobile Banking, Wallets, and Apps
    • Payment Choices
    • Credit Card User Wallet Share and Net Worth

Attitudes Toward Money Management, Financial Institutions, and Discrimination

  • Attitudes Toward Money Management, Financial Risk, and Financial Institutions
    • All Adult Consumers
      • Table: Attitudes Toward Money Management, Financial Risk, and Financial Institutions: All Adults, 2009-2018
    • African American Consumers
      • Table: Attitudes Toward Money Management, Financial Risk, and Financial Institutions: All Adults vs. African American Adults, 2009-2018
      • Table: Attitudes Toward Money Management, Financial Risk, and Financial Institutions: African American Adults by Age and Household Income, 2018
    • Hispanic Consumers
      • Table: Attitudes Toward Money Management, Financial Risk, and Financial Institutions: All Adults vs. Hispanic Adults, 2009-2018
      • Table: Attitudes Toward Money Management, Financial Risk, and Financial Institutions: Hispanic Adults by Preferred Spoken Language, 2018
  • Perceptions of Discrimination
    • All Adult Consumers
    • African American Consumers
    • Hispanic Consumers
      • Table: Perceptions of Discrimination During Recent Contact with Financial Institutions by Race/Ethnicity, Age, and Household Income, 2018

Wealth Trends

  • Net Worth Forecast
    • Table: Total and Average U.S. Household Net Worth by Race/Ethnicity, 2010 vs. 2019
    • Table: Total U.S. Household Net Worth and Net Worth Share by Race/Ethnicity, 2010 vs. 2019
    • 2010 vs. 2019 Comparisons, by Race/Ethnicity and Net Worth Segment
      • Table: U.S. White Household Net Worth: Total, Average, and HH Share, by Net Worth Segment, 2010 vs. 2019
      • Table: U.S. African American Household Net Worth: Total, Average, and HH Share, by Net Worth Segment, 2010 vs. 2019
      • Table: U.S. Hispanic Household Net Worth: Total, Average, and HH Share, by Net Worth Segment, 2010 vs. 2019
  • Net Worth Trends: Federal Reserve Survey of Consumer Finances
    • Introduction
    • Total U.S. Household Net Worth Market Size
      • Table: Total U.S. Household Net Worth by Race/Ethnicity ($bil), 2013 vs. 2016
    • Median and Average Net Worth Trends
      • Table: Mean and Median HH Household Net Worth by Race/Ethnicity (2016 $), 2013 vs. 2016
    • Wealth Distribution
      • Table: Mean and Median Household Net Worth by Percentile Segment and Race/Ethnicity ($), 2016
    • Assets and Debt Snapshot
      • Table: Household Financial Profile by Race/Ethnicity ($), 2016
  • Net Worth Trends: Diary of Consumer Payment Choice
    • Introduction
    • All Adult Consumers
    • African American Consumers
    • Hispanic Consumers
      • Table: Total Net Worth, Net Non-Home Assets, Net Home Value, and Checking Account Balance by Race/Ethnicity ($bil), 2017
  • Net Worth Segmentation Trends
    • Introduction
    • African American Household Net Worth Trends
      • Table: African American Net Worth: Number and Share of Households by Net Worth Segment, 2001-2016
      • Table: Average African American Household Net Worth by Segment and Total Net Worth (2016 $1,000s), 2001-2016
    • Hispanic Household Net Worth Trends
      • Table: Hispanic Net Worth: Number and Share of Households by Net Worth Segment (2016 $), 2001-2016
      • Table: Average Hispanic Household Net Worth by Segment and Total Net Worth (2016 $), 2001-2016
    • African American and Hispanic Net Worth: Affluent Households
      • Table: Total, Average, and Median Net Worth: All Households vs. Affluent Households by Race/Ethnicity, 2016
      • Table: Affluent Share of Households and Total Net Worth by Race/Ethnicity ($tril), 2016
    • African American and Hispanic Net Worth: Generations
      • Table: Total, Average, and Median Household Net Worth by Generation, 2016
      • Table: Total, Average, and Median Household Net Worth: Millennials by Race/Ethnicity, 2016
      • Table: Total, Average, and Median Household Net Worth: Generation X by Race/Ethnicity, 2016
      • Table: Total, Average, and Median Household Net Worth: Baby Boomers by Race/Ethnicity, 2016
      • Table: Total, Average, and Median Household Net Worth: Silent Generation by Race/Ethnicity, 2016

Asset and Debt Trends

  • Assets and Debt
    • African American Households
    • Hispanic Households
      • Table: Average Household Assets and Debt by Type and Race/Ethnicity (2016 $1,000s), 2013 vs. 2016
  • Homeownership
    • Table: Homeownership: Ownership Rate, Net Value, Value, and Debt by Race/Ethnicity (2016 $1,000s), 2016
    • Table: Total, Average, and Median Household Net Worth: Homeowners vs. Non-homeowners by Race/Ethnicity, 2016
  • Banking/Investment Account Ownership
    • Table: Banking/Investment Account Ownership by Account Value and Race/Ethnicity, 2018
    • African American Consumers
      • Table: Banking/Investment Account Ownership: African American Adults by Account Value and Generation (mil), 2018
      • Table: Banking/Investment Account Ownership: African American Adults by Account Value and Household Income (mil), 2018
    • Hispanic Consumers
      • Table: Banking/Investment Account Ownership: Hispanic Adults by Account Value and Generation (mil), 2018
      • Table: Banking/Investment Account Ownership: Hispanic Adults by Account Value and Household Income (mil), 2018
  • Stocks and Liquid Assets
    • Liquid Assets
      • Table: Liquid Assets: Households That Own, Participation Rate, and Average Assets by Race/Ethnicity (2016 $), 2007 vs. 2016
    • Stocks
      • Table: Directly Held Stocks: Households That Own, Participation Rate, and Average Assets by Race/Ethnicity (2016 $), 2007 vs. 2016

Banking Relationships

  • National Bank, Credit Union, Local Bank, and Internet Bank Usage
    • All Consumers
    • African American Consumers
    • Hispanic Consumers
      • Table: Bank Usage, by Bank Type and Race/Ethnicity (mil), 2018
    • African American Consumers: Demographic Analysis
      • Table: African American Bank Usage by Bank Type and Household Income, 2018
      • Table: African American Bank Usage by Bank Type and Generation, 2018
    • Hispanic Consumers: Demographic Analysis
      • Table: Hispanic Bank Usage by Bank Type and Household Income, 2018
      • Table: Hispanic Bank Usage by Bank Type and Generation, 2018
      • Table: Hispanic Bank Usage by Bank Type and Preferred Spoken Language, 2018
  • Reasons for Choosing Primary Bank
    • Location, Location, Location
      • Table: Rationales for Choosing Primary Bank, 2014-2018
    • Rationales for Choosing Primary Bank by Race/Ethnicity
      • Table: Rationales for Choosing Primary Bank by Race/Ethnicity, 2018
  • Factors Important to Opening a Checking Account
    • Checking Builds the Foundation
    • Convenience Reigns
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account, 2018
    • Analysis by Household Income
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account: <$75K Household Income by White, African American, and Hispanic Checking Account Holders, 2018
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account: $75K+ Household Income by White, African American, and Hispanic Checking Account Holders, 2018
    • Analysis by Age
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account: White, African American, and Hispanic Adults Age 18-34, 2018
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account: White, African American, and Hispanic Adults Age 35-54, 2018
      • Table: Most Important Reasons for Choosing Institution for Primary Checking Account: White, African American, and Hispanic Adults Age 55+, 2018
  • Overdraft
    • Analysis by Household Income
      • Table: Negative Checking Account Balance and Overdraft Protection Methods: <$75K Household Income White, African American, and Hispanic Adults, 2018
    • Analysis by Age
      • Table: Negative Checking Account Balance and Overdraft Protection Methods: White, African American, and Hispanic Adults Age 18-34, 2018

Mobile Banking, Wallets, and Apps

  • Online and Mobile Banking
    • Online Banking Trends
      • Table: Online Banking in Last 30 Days, by Race/Ethnicity, 2010-2018
    • Mobile Banking Momentum
      • Table: Mobile Banking in Last 30 Days, by Race/Ethnicity, 2014-2018
  • Mobile Wallet Apps
    • Table: Mobile Wallet App Usage, by HH Income, Age, and Race/Ethnicity, 2018
    • Table: Mobile Wallet App Usage, by Brand, Age, and HH Income, 2018
  • Banking/Finance Apps
    • Table: Banking/Finance App Used in Last 30 Days, by Race/Ethnicity, 2014-2018
    • Table: Banking/Finance App Used in Last 30 Days: Hispanics vs. All Adults, by HH Income and Age, 2018
    • Table: Banking/Finance App Used in Last 30 Days: African American s vs. All Adults, by HH Income and Age, 2018

Payment Choices

  • Consumer Payments by Payment Instrument
    • Table: Consumer Payments by Payment Instrument: Average Amount Per Person, Monthly Payment Volume and Value, and Annual Payment Value ($), 2017
    • Table: Consumer Payments by Payment Instrument: Total Annual Payment Volume and Value ($bil), 2017
  • Per-Person Payment Value by Race/Ethnicity
    • Table: Monthly Per-Person Payment Value by Payment Instrument and Race/Ethnicity ($), 2017
  • African American Consumer Payments by Payment Instrument
    • Table: African American Consumer Payments by Payment Instrument: Average Amount Per Person, Monthly Payment Volume and Value, and Annual Payment Value ($), 2017
  • Hispanic Consumer Payments by Payment Instrument
    • Table: Hispanic Consumer Payments by Payment Instrument: Average Amount Per Person, Monthly Payment Volume and Value, and Annual Payment Value ($), 2017

Credit Card User Wallet Share and Net Worth

  • Credit Card Users, Cards Per User, and Wallet Share
    • Table: Active Credit Card Users, Cards Per User, and Wallet Share by Card Network/Type and Race/Ethnicity, 2017
  • Revolvers vs. Transactors
    • Table: Credit Card Revolvers vs. Transactors: Active Credit Card Wallet Share by Race/Ethnicity, 2017
  • Credit Card User Net Worth, by Race/Ethnicity
    • Table: Active Credit Card Users: Net Worth, Home Value/Debt, and Non-Home Value/Debt by Race/Ethnicity ($), 2017

Appendix

  • Methodology
    • Consumer Survey Methodology
    • Key Sources
    • Population Estimates
    • Generations
      • Table: U.S. Generations, 2018
      • Table: Indexes
    • Abbreviations
      • Table: Report Abbreviations and Acronyms, 2017
    • Terms and Definitions
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