インストアバンキング：ベストプラクティスおよびケーススタディ

当レポートでは、小売店舗内に設置されたブランチ(インストアブランチ)を通した金融サービスの提供について取り上げ、リテールバンキングのデリバリーチャネルの普及および販売効果の拡大におけるインストアバンキングの重大な役割について分析し、実例を示しており、概略以下の構成でお届けします。

エグゼクティブ・サマリー

セクションA：米国市場

第1章　米国におけるインストアブランチ：ミニケーススタディー (DCCU, Huntington National Bank, US Bank, Walmart, Wells Fargo, Woodforest National Bank)

第2章　People's United Bank（米国）

セクションB：英国市場

第3章　英国におけるインストアブランチ：ミニケーススタディー (Sainsury's, Tesco)

第4章　The Co-operative Bank（英国）

セクションC：世界におけるその他の市場

第5章　その他のインストアブランチ市場：ミニケーススタディー(Bangkok Bank, OCBC)

第6章　Standard Bank(南アフリカ)

セクションD：成功するインストアブランチ戦略

第7章　戦略的課題

第8章　ベストプラクティス

第9章　結論

Abstract

Executive Reports

RBR's "Executive Reports" provide expert opinion on topical issues in the banking automation, ATMs, cards and payments sectors. They provide a mix of information, analysis, insights and implications and are aimed at senior executives or others looking for informed commentary on key industry issues.

The in-store branch has its origins in the late 19th century, but this report looks at the modern in-store branch of today.

This latest report in RBR's Executive Reports series addresses the delivery of financial services through branches located in retail stores - these services may be operated by bankers, credit unions, retailers-cum-bankers and retailers acting as agents offering 'own-label' products from authorised institutions.

The USA was the first country to embrace in-store banking, but banks in other markets have followed this lead and a new generation of in-store branches has emerged around the world. This report provides insights and examples of how in-store branches can play a valuable role in extending the penetration and sales effectiveness of retail banking delivery channels.

Table of Contents

ACKNOWLEDGEMENTS

• About the author: David J Cavell FCIB
• About the publisher: RBR
• Confidentiality
• Disclaimer

TABLE OF CONTENTS

TABLE OF FIGURES

EXECUTIVE SUMMARY

• Introduction
• The USA market
• The British market
• Other global markets
• Successful strategies
• Conclusions

SECTION A: THE USA MARKET

1. USA in-store branches - mini case studies

• 1.1 Delta Community Credit Union(DCCU)
• 1.2 Huntington National Bank
• 1.3 US Bank
• 1.4 Walmart Stores
• 1.5 Wells Fargo
• 1.6 Woodforest National Bank

2. People's United Bank, USA

• 2.1 Introduction
• 2.2 The customer experience
• 2.3 The Stop&Shop Supermarket Company
• 2.4 Operating in-store
• 2.5 Conclusions

SECTION B: THE BRITISH MARKET

3. UK in-store branches - mini case studies

• 3.1 Sainsbury's Bank, UK
• 3.2 Tesco Bank, UK

4. The Co-operative Bank, UK

• 4.1 Background
• 4.2 An in-store branch pioneer
• 4.3 Redeveloping store representation
• 4.4 The latest chapter
• 4.5 Conclusions

SECTION C: OTHER GLOBAL MARKETS

5. Other markets in-store branches - mini case studies

• 5.1 Bangkok Bank, Thailand
• 5.2 Oversea-Chinese Banking Corporation Limited (OCBC), Singapore

6. Standard Bank, South Africa

• 6.1 Introduction
• 6.2 The South African Challenge
• 6.3 The 'bank shop'
• 6.4 Managing the programme
• 6.5 Conclusions

SECTION D: SUCCESSFUL IN-STORE BRANCHING STRATEGIES

7. Strategy issues

• 7.1 The business models
• 7.2 What are the critical success factors?
• 7.3 Business development expectations
• 7.4 The role of in-store within local networks and markets
• 7.5 Conclusions

8. Best practice

• 8.1 Introduction
• 8.2 The headline benefits
• 8.3 Business development
• 8.4 The requirements of staff
• 8.5 Store management relationships
• 8.6 Beyond the launch
• 8.7 Conclusions

9. Conclusions

• 9.1 A mature and well understood sector
• 9.2 True or false?
• 9.3 The bottom line

APPENDIX: CONTRIBUTORS

TABLE OF FIGURES

• Figure 1: Growth in the number of in-store branches in the USA
• Figure 2: A new generation of Delta Community Credit Union branches
• Figure 3: An early US Bank in-store unit
• Figure 4: Over 1,000 Walmart Money Center units have now been deployed
• Figure 5: The latest type of People's United in-store unit
• Figure 6: A recent Tesco Bank in-store branch
• Figure 7: The Co-operative Bank walk-in banking kiosk
• Figure 8: New generation of in-store representation by Co-operative Bank
• Figure 9: The micro branch concept is deployed in-store in Bangkok Bank
• Figure 10: Principal in-store micro branches in Thailand
• Figure 11: A plus! Lite branch operating in an NTUC FairPrice supermarket
• Figure 12: The bank shop concept now being rolled out at Standard Bank
• Figure 13: Deposit development at in-store branches
• Figure 14: A typical in-store branch plan
• Figure 15: A HyVee in-store branch