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Verdict Financial Market Research Reports

Verdict Financial is a specialist information provider serving the international financial services markets. Delivering intelligence through modular reports and interactive dashboards, we will ensure you remain competitive by guiding your strategic planning and helping you stay ahead of the curve. Sectors covered including consumer payments, retail banking, wealth management and general insurance.

Targeting UK Mass Affluents with Insurance
The mass affluent population in the UK is growing, meaning the demographic is an opportunity for providers selling personal insurance. Mass affluents are more likely to be male, have higher household incomes, and be married compared to retail customers. The assets of mass affluents are higher value, making their insurance needs more complex. They have different lifestyles compared to retail customers, meaning they also have different insurance needs. They travel abroad more often, and are more likely to own a second home, a car that requires specialist insurance, and high-value items that require additional cover. The penetration of personal insurance products is higher among mass affluents than retail customers, and they also pay higher premiums. Key Findings - Mass affluent customers a
Published Date: Jan 2017
Published By: Verdict Financial

Price: $1295
Insurtech and Customer Services: Lessons for the Incumbents
The emergence of insurtech has been fueled by new digital capabilities and Internet of Things (IoT) devices that are reducing costs, changing systems and processes, and enhancing the consumer experience. From an industry burdened by outdated systems and paper-based operations, the insurtech space has emerged as one of the largest innovation ecosystems globally in 2016, and is set to modernize the industry in the years going forward. It has taken a while for banks and insurance firms to fully embrace fintech innovation, due in part to the amount of legacy systems in place, the heavy dependence on historical data, and the low risk appetite for new insurance-related products at most traditional firms. However, rapidly changing customer behavior, the availability of smart devices, and innovat
Published Date: Jan 2017
Published By: Verdict Financial

Price: $1295
UK Personal Lines Insurance: Distribution and Marketing 2016
In the midst of an “insurtech” revolution, the personal lines distribution space faces a number of new challenges to the status quo and a raft of opportunities to better engage with customers. New approaches are perhaps most needed by a broker channel that needs to find a reinvigorated sense of its unique benefits, as it has slipped behind the direct channel for share of business. The future of the banking and retail/affinity channels meanwhile depends on the continued appetite these segments have to focus on non-core lines of business. Key Findings - The direct channel is pulling away from the broker space as the most frequently used channel by personal lines insurance customers. - The banking channel’s footprint on insurance distribution is slowly fading but it remains a key sour
Published Date: Jan 2017
Published By: Verdict Financial

Price: $1295
Home Retail Series Kitchen Furniture 2016
Growth in the kitchen furniture market has slowed to 0.5% in 2016 (from 2.0% in 2015).  Prospects for the market are bleak in 2017, as weakening consumer confidence and a slowing housing market mean that consumers budgets will come under greater pressure with rising inflation.  However, the kitchen furniture category is expected to return to growth from 2018, reaching an estimated 2.6%  growth in 2021. 
Published Date: Dec 2016
Published By: Verdict Financial

Price: $8600
2017: Trends to Watch in Global Wealth Management
The wealth management industry has been undergoing transformation since the financial crisis, and 2017 will be another year marked with changes to business models and the way providers interact with clients. Many trends observed in 2016 will continue over the next 12 months, with regulation and its costs affecting the financial performance of competitors, and market volatility (often fueled by surprising turns in the geopolitical landscape) keeping portfolio managers busy. Yet 2017 will also be a year of opportunity for competitors that embrace the change and succeed in those areas of the market where growth can be achieved. Key Findings - As market volatility persists, managing the level of investment portfolio risk and clients’ expectations in terms of returns will be more important
Published Date: Dec 2016
Published By: Verdict Financial

Price: $5250
Retail Banking Country Snapshot: Italy 2016
The market for financial products in Italy is less concentrated than in other countries. With the exception of Intesa Sanpaolo and UniCredit, few providers have a significant market share. Across all products, the branch is still the key acquisition channel, although online is making inroads in the savings market. Mobile banking is still in its infancy, although a few providers are introducing mobile onboarding, and high smartphone ownership rates bode well for future adoption. Key Findings - Every one of the main current account providers in Italy – barring ING – has a negative NPS rating, with BNP Paribas and UniCredit the weakest performers. - Only around half the proportion of post-families use mobile on a weekly basis compared to other segments. - Consumers are concerned with b
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Department Store Retailing in the UK 2016
2016 was challenging for the department store market, with growth of just 1.7%, the weakest since 2009. Growth would have eluded the channel were it not for the luxury players’ performance being boosted by increased tourist spending due to the weak pound. Growth over the next five years will be driven by the premium segment, while health & beauty is forecast to be best performing category as retailers exploit gifting opportunities and invest in more brand and product exclusives. Key Findings John Lewis became market leader in 2016 with a 25.3% market share, aided by M&S's ongoing struggle. 37.7% of UK shoppers bought from a department store in 2016. The online department store market accounted for 23.8% of all department store spend in 2016. Synopsis The Department Store Retailing in
Published Date: Dec 2016
Published By: Verdict Financial

Price: $8600
Consumer Payments Country Snapshot: Sweden 2016
Sweden has the potential to become the world’s first cashless society. The use of cash is declining quickly in Sweden and over half of all bank branches no longer deal with cash-based transactions. Payment cards are widely held and widely used in Sweden, and it has a strong alternative payments market. Key Findings - Credit cards remain one of the least frequently used card types in Sweden, even though they account for 43% of all payment cards. - Fast internet and a high smartphone penetration rate have resulted in SEK134bn of online spend in 2015, which is expected to grow by 70% over the next five years. - With the awareness of contactless increasing, and all new POS terminals from the beginning of 2017 having to be NFC-enabled, the popularity of the technology among both merchants a
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Consumer Payments Country Snapshot: China 2016
China represents a mature payment card market in Asia, with over 5 billion payment cards in issue. Despite a high card-per-customer ratio China is expected to see mild growth in both card numbers and the value of transactions, as mobile has become the payment mechanism of choice in the country. China UnionPay is the fastest-growing card scheme in China, claiming a more than 90% market share in 2015. Key Findings - Pay-now cards are the fastest growing payment card segment in China, mostly driven by the popularity of mobile payments. - Overall, the acceptance of contactless cards in China is high, boosted by wider acceptance of the contactless transport card introduced in the subway systems of major cities. Synopsis This report examines the consumer payments market in China, considering
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
UK Pet Insurance: Distribution and Marketing 2016
2016 saw the UK’s supermarkets and major retailers confirm their role in the distribution of pet insurance, with a significant proportion of consumers now seeking alternative channels to obtain their policies. While many pet owners still prefer to approach their insurer directly, supermarkets and retailers are benefiting from those who value convenience and the opportunity to purchase insurance cover at the same time as other products. Much of the growth in this channel can be attributed to the marketing and advertising strategies employed by these groups. Direct mailing is a favored option, as these groups often have a wide customer base and many subscribers to their internet channels, and have a tendency to offer simpler online purchasing platforms than traditional insurers. Key Find
Published Date: Dec 2016
Published By: Verdict Financial

Price: $1295
Consumer Payments Country Snapshot: India 2016
The second largest consumer market globally, India remains a cash-driven economy. However, digital payments will see growth in the Indian market, and are forecast to overtake cash transactions by 2023.The key opportunity is the digitization of payments – if they are as easy to use, convenient, and secure as cash then they will contribute to the growth of financial inclusion in the country. The main factors that will play a significant role in the process will be the rise of smartphone penetration, increasing access to the internet, and the development of a digital payments infrastructure. Key Findings - As the move to non-cash payments accelerates, cards will be used more frequently by Indian consumers. Providers should increasingly promote card adoption and use through merchant partne
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Retail Banking Country Snapshot: Turkey 2016
Turkey has a growing financial services market, enlivened by the innovative approach traditional banks have taken. Ownership of key financial products is widespread, with consumers favoring local providers that have a good reputation. Fintech providers are widely known in the country, though the traditional banks have developed advanced online and mobile services. Usage of branches for more complex interactions endures, though usage of online and mobile services is one of the strongest in the region. Key Findings - Reputation and local names are the most influential factors driving choice of provider, which gives established Turkish banks an advantage over digital-only entrants. 51% of younger families claim to be likely to switch over the next 12 months, compared to just 22% of post-fam
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Australian IFAs, Investment Managers & Platforms 2016
Financial advisors are a key distribution network for retail investors in Australia. All investment product manufacturers need to understand the priorities and criteria that advisors use to select their investment partners and platforms. As almost all advisors use a platform to manage their client assets under management (AUM), understanding why certain platforms are more favored than others is crucial. Key Findings - The attractiveness of platforms is first and foremost ranked by the investment fund range and ease of use. - Investment product providers are regularly reviewed, with the majority reviewing their platforms at least annually. - Colonial First State remains the top platform provider, though BT Panorama is growing Westpac’s BT wealth arm as well. - A minority of advisors ar
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
UK Household Insurance: Distribution and Marketing 2016
The direct channel remains the preferred way to purchase home insurance and has gained market share across all three products (contents, buildings, and combined) in 2016. The banking channel is also growing due to the improvement of the UK housing market, which has increased the capacity for mortgage providers to cross-sell insurance. Brokers are losing share as more customers want to purchase independently online. Retailers have also lost share, but remain competitive on price comparison sites. The most common activity before purchasing is visiting a price comparison site, highlighting that customers are sensitive to price, especially when purchasing a combined policy. This heightened price sensitivity among combined customers results in them being less loyal to their provider. Compared
Published Date: Dec 2016
Published By: Verdict Financial

Price: $1295
Retail Banking Country Snapshot: Indonesia 2016
Indonesia has a sizable segment that resembles a development stage similar to markets such as Malaysia. Consumers within this segment are very much like those in developed markets, whereby they embrace the convenience brought to banking by digital platforms and are sensitive about price. On the other hand, a significant proportion of the adult population still do not have a bank account. This highlights the massive opportunities that lie ahead in the Indonesian retail banking sector. Key Findings - Overall, Trust and Fear were the highest rated, meaning consumers value honesty and are still somewhat wary of banks. This indicates that providers have yet to gain the trust of their customers – unsurprising in a market where few consumers have had long relationships with any financial inst
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Personal Care Electricals
In 2016, the PCE market has seen steady, but not significant, growth of 2.4%. The hair-styling market is driving growth in 2016, with an increase of 4.4% this year. The PCE market is defined by replacement purchases, gifting during retail occasions, and innovation; a new product to market will generate category growth in any given year. When innovation is lacking, market growth suffers. Over the next five years, electric toothbrushes will gain category share of this market, taking 32.1% of the PCE market in 2021, and will drive overall market growth. Key Findings - The PCE market is largely defined by product innovation. Consumers purchase PCE products for three primary reasons: to replace an old worn product, to buy as a gift or because there is something new on the market. When a new p
Published Date: Dec 2016
Published By: Verdict Financial

Price: $8600
Wealth in Indonesia: Sizing the Market Opportunity 2016
The Indonesian affluent market is small but is set for continuous strong growth. Indeed, the proportions of HNW and mass affluent individuals compared to its overall size are unremarkable, and it is only the strong growth rates that are predicted that make the market so attractive. Deposits account for a lower proportion than the regional average, while bonds continue to flourish. Outside of the onshore liquid market, local HNW individuals show strong appetite for property investment, while concerns about economic stability have pushed investors to hold assets offshore. However, the election of President Joko Widodo late in 2014 brings stability and optimism, and the recent passing of a tax amnesty is expected to make significant amounts available for government spending. Key Findings -
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Wealth in Russia: Sizing the Market Opportunity 2016
The performance of the Russian liquid wealth market is driven by strong growth in the retail savings and investments market. Given the predominant allocation in deposits, year-on-year growth has depended primarily on GDP and wage growth, which in turn have been influenced by commodity prices. While HNW wealth is forecast to record a compound annual growth rate (CAGR) of 12.3% between 2016 and 2020, the rest of the country’s affluent population is expected to develop at a slower pace. Key Findings - At the end of 2015, 1.79 million Russian adults could be considered affluent, representing just 1.6% of the adult population but accounting for 97% of total retail liquid assets. The total liquid wealth of affluent individuals amounted to $428bn, with HNW individuals holding $163bn (37.9%).
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Convenience Retailing at the Service Station 2016
This report is an essential resource for service station retailers big and small looking to increase the productivity and attractiveness of their proposition to motorists across the globe. Verdict examines the key ways to adopt a low risk, high reward convenience and foodservice offer to the forecourt through detailed market data, and insightful analysis of the trends impacting key retailers and markets over the coming five years. Key Findings The increasing demand from motorists for more variety in food and drinks combined with the growing number of shoppers looking to their local forecourt store as a food-to-go destination will put pressure on fuel retailers to develop a better foodservice proposition. Addressing the dietary needs of special consumer segments as well as those seeking
Published Date: Dec 2016
Published By: Verdict Financial

Price: $2795
Consumer Payments Country Snapshot: Spain 2016
The Spanish payments market was significantly impacted by the economic crisis. While the crisis affected banks’ reputations, it also accelerated their efforts to rejuvenate in order to regain the trust of Spanish consumers. CaixaBank, BBVA, Banco Popular, and Banco Santander are the leading players in this process. The Spanish economy has only recorded positive values since 2014, raising the employment rate and stimulating consumption. This has created an environment where consumers are increasingly confident about the use of financial technologies through online commerce, digital wallets, and contactless cards. Key Findings - With very limited growth forecast for the number of cards in use, providers have the opportunity to improve profitability by increasing frequency of use among co
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
UK Pensions Snapshot 2016
The pre- and post-retirement markets have seen some of the biggest changes for a century in the last couple of years, and these are clearly translating through to a sales impact on pensions. Automatic enrolment will be the major driving force behind premium income growth over the next five years, outweighing any other combination of consumer trends and macroeconomic factors. Key Findings - The introduction of pension freedoms in 2015 is already having a massive impact on the post-retirement market. - Auto-enrolment is a cornerstone of growth. - There has been clear growth in the individual pensions market, with premiums up 63.7% between 2013–15 to £1.65bn annualized premium equivalent (APE). - Retirement saving is more than just pensions. Synopsis Verdict Financial’s “UK Pensions
Published Date: Dec 2016
Published By: Verdict Financial

Price: $1295
Retail Banking Country Snapshot: UAE 2016
The UAE is overbanked with around 49 players, making it a fragmented and highly competitive market. Penetration is high and consumers are well informed and sophisticated, but the large number of expats in the UAE (over 90% of the population) creates unique requirements. Reputation is key, and customers favor established providers and traditional structures. Although online channels are gaining ground, awareness of fintech and peer to peer (P2P) providers remains low, and partnerships with existing banks are the best way of breaking into the market. Key Findings - State-owned banks dominate the retail sector, with Emirates NBD accounting for almost a quarter of accounts, while international banks have made limited headway. Ethical values, reputation, and convenience are important, but 64%
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
UK Travel Insurance: Distribution and Marketing 2016
Financial services providers are beginning to establish a presence in the distribution of travel insurance policies. Many consumers are benefitting from being able to obtain a policy from their bank as part of a packaged feature with their current account. Convenience is an important attribute for modern consumers, and banks are beginning to take advantage of the fact that customers appreciate the ability to accomplish many of their financial priorities in one attempt or from one type of provider. However, the direct channel is still holding its weight, while accessing the internet from a desktop PC remains the preferred method of purchasing. Key Findings - 20.6% already had travel cover included in their financial services package. - 29.2% obtain travel insurance directly through a pric
Published Date: Dec 2016
Published By: Verdict Financial

Price: $1295
UK Consumer Credit 2016: Forecasts and Future Opportunities
Consumer credit lending in 2016 will rise by 7%, but growth will slow over the forecast period, with balances outstanding reaching £292.5bn in 2020. Consumer confidence will maintain current demand, despite the uncertainty caused by the UK’s vote to leave the EU in June 2016. Strong competition is increasing the availability of credit but also weakening credit scoring criteria; consequently, there are signs that credit quality is deteriorating. Accommodating monetary policy should mitigate increases in the cost of credit due to higher inflation. Key Findings - Average credit quality has reached its lowest point in over four years, and default rates have been on an upward trend over the last two years. - UK consumers are currently positive about their immediate financial situation. How
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Retail Banking Country Snapshot: Denmark 2016
Danske Bank and Nordea are the leading providers in the current account and savings account markets, with Nykredit dominating the provision of mortgages. Although branches remain the most important channel for acquisition, online – and increasingly mobile – are the main channels for ongoing interaction for both complex and routine tasks. Only a minority of consumers have used fintech providers to date, and peer to peer (P2P) lending has yet to make a mark, with providers in this sector primarily targeting the SME market. Key Findings - Branches are now a negligible channel for everyday activities, and mobile is starting to eat into online’s dominance – between a quarter and a third of consumers rate mobile as their preferred channel for simple tasks. For more complex tasks such a
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
The UK Childrenswear Market 2016-21
The childrenswear market is the weakest out of all clothing sectors and is only expected to grow 10.4% in the next five years, the same rate of growth achieved between 2011 and 2016. The overall clothing sector is expected to struggle as the weakening pound puts added pressure on prices and margins, but childrenswear will be especially exposed to this as parents prioritise price and value more so than in other clothing sectors, limiting retailers’ ability to raise prices. Key Findings Higher inflation is set to return to the childrenswear sector, putting retailers under pressure to absorb higher cost prices or take a hit on margins. The importance of quality remains crucial in the purchasing decision, so retailers must not compromise on design to offset costs. The demise of BHS has lef
Published Date: Dec 2016
Published By: Verdict Financial

Price: $5759
Retail Banking Country Snapshot: Brazil 2016
The Brazilian banking sector is highly consolidated, with a handful of large banks controlling a significant market share. Product ownership rates are high, particularly for current and savings accounts. Both younger and older age groups use branches often. Internet penetration in Brazil is low, and hence providers need to maintain a multi-channel approach or focus on specific geographical areas in the country. Consumers are generally conservative in their choice of provider, with a bias towards those with which they have an existing relationship. With new regulations being introduced by the Central Bank of Brazil, the market has opened up to new entrants to encourage greater competition within the sector. Key Findings - The top three banks hold 70% of the market. Two of the top three pr
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Insurance Competitor Profile: RSA 2016
RSA Group is one of the oldest and largest commercial insurers in the world. RSA has divided its portfolio into three core regions: the UK and Ireland, Canada, and Scandinavia. RSA caters to a wide range of businesses, from SMEs to large UK-domiciled multinational companies. With its specialist expertise RSA supports companies in the marine and construction sectors, among others. RSA competes in the personal lines segment, primarily using its More Th>n brand. It also has its online-only car insurance provider, RSA echoice. Key Findings Personal lines accounted for 47.3% of RSA’s GWP in 2015. Within the personal lines market, it is the sixth largest insurer with a 4.7% share. Commercial motor insurance accounted for 47.6% of RSA’s commercial lines GWP in 2015. RSA led the commercial m
Published Date: Dec 2016
Published By: Verdict Financial

Price: $1295
UK Private Motor Insurance: Distribution and Marketing 2016
The purchasing preferences of private motor insurance customers have remained steady in 2016. Direct to insurer is still the most popular distribution channel. A presence on price comparison sites is also important, with customers using the channel both to research and purchase insurance. To contact their provider, most private motor insurance customers either purchase over the phone or online. Price is most influential when purchasing a policy, but due to a lack of price variation in the market most customers still choose to remain with their existing provider when shopping around. Aviva is the leading provider within the market, with one in 10 customers holding a policy with the insurer. Spend on advertising halved in the first half of 2016 compared to 2015 due to Moneysupermarket.com a
Published Date: Dec 2016
Published By: Verdict Financial

Price: $1295
Retail Banking Country Snapshot: Malaysia 2016
Malaysia is a mature market, albeit still developing in many aspects. Our research shows that the country’s consumers are very similar to those in developed nations in terms of embracing the convenience brought to banking through digital platforms – and banks in Malaysia have been quick to act on this potential. With a healthy economy and a bright outlook over the next few years, the market presents significant opportunities for providers across the retail banking spectrum. Key Findings - As in other markets in the Asia Pacific region, online has become a preferred channel for routine activities in Malaysia. However, mobile should be rapidly making inroads as mobile penetration in most developing markets has reached the masses. - Among Malaysian consumers as a whole, reputation and
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Consumer Payments Country Snapshot: New Zealand 2016
The New Zealand market is small, and less densely populated outside of Auckland, making it challenging to service. It is thus essential that digital channels form the basis of issuers’ strategies. At the core of the payment market is consumers’ embrace of debit cards and EFTPOS, which has been the main driver behind the growth in all non-cash payments. It is a highly mature market in terms of card penetration, although consumers appear to struggle with credit cards as a payment option. Mobile payments need to focus on replicating the convenience of debit cards, which have benefited from the widespread rollout of contactless. However, exceeding consumer expectations will be a challenge, as proven by the failure of Semble. Key Findings - Debit cards account for the majority of the New
Published Date: Dec 2016
Published By: Verdict Financial

Price: $3450
Fuel Cards In Italy 2016
Fuel Cards in Italy 2016 is invaluable for issuers of fleet cards, fuel retailers, fleet leasing companies and other suppliers to the sector. Based on research with issuers and fuel retailers it provides commercial (B2B) fuel card volume (split by fleet and CRT), value and market share forecasts to 2021, key data on independent and oil company card issuers and an analysis of fuel card competition in Italy Key Findings Fuel card volumes across the Top five fuel card markets will rise by 11.3% between 2016 and 2021 as small domestic fleets increasingly turn to fuel cards to meet their growing needs over this period. The total number of service stations in Italy dropped by 2.1% in 2015 totaling 20,113 service stations. Over 41,000 new fuel cards will be issued between 2016 and 2021, totali
Published Date: Dec 2016
Published By: Verdict Financial

Price: $2295
Fuel Cards In Spain 2016
Fuel Cards in Spain 2016 is invaluable for issuers of fleet cards, fuel retailers, fleet leasing companies and other suppliers to the sector. Based on research with issuers and fuel retailers it provides commercial (B2B) fuel card volume (split by fleet and CRT), value and market share forecasts to 2021, key data on independent and oil company card issuers and an analysis of fuel card competition in Spain Key Findings Fuel card volumes across the Top five fuel card markets will rise by 11.3% between 2016 and 2021 as small domestic fleets increasingly turn to fuel cards to meet their growing needs over this period. The total number of service stations in Spain rose by 2.9% in 2015 totaling 10,930 service stations. Over 56,000 new fuel cards will be issued between 2016 and 2021, totaling
Published Date: Dec 2016
Published By: Verdict Financial

Price: $2295
Fuel Cards In the UK 2016
Fuel Cards in the UK 2016 is invaluable for issuers of fleet cards, fuel retailers, fleet leasing companies and other suppliers to the sector. Based on research with issuers and fuel retailers it provides commercial (B2B) fuel card volume (split by fleet and CRT), value and market share forecasts to 2021, key data on independent and oil company card issuers and an analysis of fuel card competition in the UK. Key Findings Fuel card volumes across the Top five fuel card markets will rise by 11.3% between 2016 and 2021 as small domestic fleets increasingly turn to fuel cards to meet their growing needs over this period. The total number of service stations in the UK rose by 1.7% in 2015 totaling 8,754 service stations. Over 156,000 new fuel cards will be issued between 2016 and 2021, total
Published Date: Dec 2016
Published By: Verdict Financial

Price: $2295
Fuel Cards in Europe, Top 5 Markets 2016
Fuel Cards in Europe, Top 5 Markets 2016 is invaluable for issuers of fleet cards, fuel retailers, fleet leasing companies and other suppliers to the sector. Based on research with issuers and fuel retailers it provides commercial (B2B) fuel card volume (split by fleet and CRT), value and market share forecasts to 2021, key data on independent and oil company card issuers and an analysis of fuel card competition in the Top 5 European countries, France, Germany, Italy, Spain and the UK. Key Findings Fuel card volumes across the Top five fuel card markets will rise by 11.3% between 2016 and 2021 as small domestic fleets increasingly turn to fuel cards to meet their growing needs over this period. The total number of service stations in France rose by 0.4% in 2015 totaling 11,400 service s
Published Date: Dec 2016
Published By: Verdict Financial

Price: $4495
Fuel Cards In France 2016
Fuel Cards in France 2016 is invaluable for issuers of fleet cards, fuel retailers, fleet leasing companies and other suppliers to the sector. Based on research with issuers and fuel retailers it provides commercial (B2B) fuel card volume (split by fleet and CRT), value and market share forecasts to 2021, key data on independent and oil company card issuers and an analysis of fuel card competition in France. Key Findings Fuel card volumes across the Top five fuel card markets will rise by 11.3% between 2016 and 2021 as small domestic fleets increasingly turn to fuel cards to meet their growing needs over this period. The total number of service stations in France rose by 0.4% in 2015 totaling 11,400 service stations. Over 122,000 new fuel cards will be issued between 2016 and 2021, tota
Published Date: Dec 2016
Published By: Verdict Financial

Price: $2295
Fuel Cards In Germany 2016
Fuel Cards in Germany 2016 is invaluable for issuers of fleet cards, fuel retailers, fleet leasing companies and other suppliers to the sector. Based on research with issuers and fuel retailers it provides commercial (B2B) fuel card volume (split by fleet and CRT), value and market share forecasts to 2021, key data on independent and oil company card issuers and an analysis of fuel card competition in Germany. Key Findings Fuel card volumes across the Top five fuel card markets will rise by 11.3% between 2016 and 2021 as small domestic fleets increasingly turn to fuel cards to meet their growing needs over this period. The total number of service stations in Germany rose by 1.2% in 2015 totaling 14,378 service stations. Over 64,000 new fuel cards will be issued between 2016 and 2021, to
Published Date: Dec 2016
Published By: Verdict Financial

Price: $2295
Insurance Competitor Profile: Admiral Group 2016
Admiral Group is a leading provider of car and home insurance active in both the UK and internationally. It operates a number a brands as well as comparison sites. This profile offers a review of the company, its business structure and strategy, its financial performance, and a SWOT analysis. Key Findings Solvency II capital requirements have come into effect. This may result in higher capital requirements, changes to the risk management structure, and a reduction in the efficiency of Admiral’s business model. Aggregator growth has slowed in recent years, making it a tougher market for brands such as Confused.com. High levels of competition from other aggregators and from the number of active insurers make it a challenging environment. Synopsis Verdict Financial’s “Insurance Comp
Published Date: Nov 2016
Published By: Verdict Financial

Price: $1295
Wealth in Switzerland: Sizing the Market Opportunity 2016
Switzerland is known for its high standard of living and well-developed private banking market, as well as a favorable tax system kept in check by each of the 26 Swiss cantons. These factors, along with the country’s favorable level of economic stability, make Switzerland an attractive location for HNW expat investors. While the HNW segment is forecast to grow at an annual rate of over 5% between 2016 and 2020, the rest of the country’s affluent population is expected to develop at a much slower pace. Key Findings - Switzerland is one of the largest offshore centers in the world, but increased pressure on information exchange has impacted its attractiveness for tax and offshore purposes. - Nearly half of non-resident deposits are sourced from the Americas, accounting for the largest
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Consumer Payments Country Snapshot: France 2016
The French consumer payments market is unlike many other developed markets in the Western world in that card holding is low, with fewer payment cards than people in 2015. France has a highly developed point of sale (POS) infrastructure as well as a high penetration of contactless cards, although the market as a whole is heavily reliant on cash. Key Findings - The credit card market is both low-risk and largely untapped in France, and providers may be able to carve out a niche in this space via low-fee offerings. - E-commerce accounts for the majority of online purchases by value in France, although m-commerce is expected to record a compound annual growth rate of 16% between 2015 and 2020 as consumers become increasingly comfortable using mobiles to shop online. - The French government
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Insurance Competitor Profile: LV Group 2016
LV= is a mutual incorporated under the terms of the Friendly Societies Act 1992, which offers both general insurance and life insurance. Operating in 16 offices across the UK, it is the fourth largest personal motor insurer in the UK. Key Findings - Personal lines accounted for 79.0% of LV=’s general insurance GWP in 2015. Within personal lines it is one of the top 10 insurers with a 4.3% share of the market. LV= reported GWP growth of 6.5% in personal lines in 2015. - Commercial motor insurance accounted for 53.3% of LV=’s commercial lines GWP in 2015. LV= ranked eighth within the commercial motor insurance market with a 4.1% share. LV= reported a GWP decline of 4.3% in 2015. Synopsis Verdict Financial’s “Insurance Competitor Profile: LV= Group 2016” provides a comprehensive
Published Date: Nov 2016
Published By: Verdict Financial

Price: $1295
Major Kitchen Appliances
- The Major Kitchen Appliances market will feel the impact of Brexit induced consumer reluctance to spend on big ticket items, resulting in a period of sales decline. Price inflation will kick in as hedging runs out and supply chain costs increase on the back of currency fluctuations. - Online pureplays continue to threaten more mature multichannel retailers, utilizing lower supply chain costs to provide highly competitive prices and investing in attractive fulfillment capabilities to entice shoppers away rivals. Key Findings - Retailers should focus on improving instore displays in what is typically a visually unexciting market, using mock kitchen setups instore to give consumers a clearer picture of how appliances would look at home. - While the full impact of Brexit remains to be seen
Published Date: Nov 2016
Published By: Verdict Financial

Price: $8600
Retail Banking Country Snapshot: France 2016
The markets for mortgages and personal loans are largely dominated by a single provider (Crédit Agricole for mortgages, LCL for loans). Across all main products branches remain the key channel for acquiring new customers, with many providers not offering digital onboarding. Customers choose providers mainly on the basis of reputation, existing relationships, and rate. Only a minority of consumers either use, or intend to use, fintech providers, with younger consumers proving the most receptive. Key Findings - Although retirement remains a key objective for nearly a third of savers, it has declined by 11 percentage points since 2015. Saving to make a financial investment has also fallen substantially, and these movements suggest that consumers are now less focused on long-term objectives
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Discretionary Asset Management: HNW Demand and Drivers
Globally over half of HNW investment portfolios are placed in discretionary mandates. However, the uptake of these services differs by country. While wealth managers in developed economies such as the UK and the US can attract investors to discretionary services relatively easily thanks to their established reputations, players in emerging markets have a longer way to go. Nevertheless, despite the challenging competitive environment, the penetration of mandated offerings is expected to increase, in line with most global players’ business strategies. Key Findings - With 81.5% of HNW portfolios placed in discretionary services, Singapore has the highest penetration of discretionary mandates. The UK and the US follow. - In absolute terms, China follows the US as the world’s second larg
Published Date: Nov 2016
Published By: Verdict Financial

Price: $5250
Insurance Competitor Profile: Aviva 2016
This profile offers a review of Aviva, its business structure and strategy, its financial performance, and a SWOT analysis. Aviva has 34 million customers worldwide and 16 million in the UK (before the deduction of Friends Life Group’s overlapping customers). Aviva has a presence in 16 countries. Outside of the UK, it has a strong presence in Canada, France, Ireland, Spain, and Turkey. Key Findings - Aviva is a composite of scale in the UK offering life, general and health insurance, and asset management products and services. - Aviva revamped its business strategy to include three key components: True Customer Composite, Digital First, and Selective Market Focus. Synopsis This profile provides a comprehensive review of Aviva and its UK business. This includes its structure, its
Published Date: Nov 2016
Published By: Verdict Financial

Price: $1295
Wealth in India: Sizing the Market Opportunity 2016
Driven by economic performance, over the past few years the Indian wealth market has impressed with strong growth rates, which are expected to continue to 2020. India currently holds the crown as the world’s fastest growing major economy and, as such, it is beginning to positively distance itself from Brazil, Russia, and China. This, aligned with the substantial Indian population, underlines the huge potential of the market for wealth managers. Key Findings - Affluent individuals represent just 0.8% of the adult population, holding 93.5% of liquid assets. This reflects the high levels of wealth inequality in the country. Both the number of affluent individuals and their assets are forecast to grow strongly to 2020. - Driven by a strong economic performance, the Indian retail savings a
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Department Stores Retailing in Europe, 2015-2020
Department stores retail sales in Europe will return to positive growth during 2015-2020. UK is leads the regional, representing 25.9% of the total European department stores retail sales in 2015. Despite Brexit, department stores in the UK will register moderate sales growth over the forecast period. Department stores retail space expansion will contribute to swift growth in Central and Eastern European department stores market. In addition, increase in tourism to the region will also support department stores sales in this region. Key Findings - The UK will continue to be leader of the European departmental store market during forecast period. - Russia will be the fastest growing market during 2015-2020 - French retailers are temporarily facing challenges and finding new markets - C
Published Date: Nov 2016
Published By: Verdict Financial

Price: $1950
UK SME Insurance: The Direct Channel 2016
Changes in SME distribution are primarily being driven by shifting preferences in purchasing method as opposed to channel. The preference towards online purchasing initially provided the direct channel with an opportunity to grow. However, as brokers have begun to move into the online space for SMEs, their market position has strengthened at the expense of direct insurers. The direct channel has therefore slightly lost share in the distribution of insurance for SMEs in 2016. Micro-enterprises have the greatest affinity for purchasing direct from an insurer. They have the smallest risks, which makes them more suited to purchasing a commoditized product online. SMEs that purchase direct from an insurer view both the level of cover and the price of premium to be of equally high importance,
Published Date: Nov 2016
Published By: Verdict Financial

Price: $1295
Insurance Competitor Profile: Hiscox 2016
Hiscox is a niche specialist insurer with a major UK focus on high net worth (HNW) customers and the micro enterprise segment. The majority of its UK book covers liability insurance, where it specializes in a range of products such as professional indemnity. Its presence in the HNW market also means it caters for the needs of these clients, providing cover such as fine art and classic cars. Key Findings - Total liability accounts for 78.4% of Hiscox’s commercial GWP. Within the total liability market, it is the 11th largest insurer and has a 2.7% share. Hiscox reported GWP growth of 9.6% in 2015. - Hiscox Retail distributes its business through broker, partner, and direct channels. - Hiscox Europe underwrites fine art, classic cars, high-value household, errors and omissions, directo
Published Date: Nov 2016
Published By: Verdict Financial

Price: $1295
Department Stores Retailing in Middle East and Africa,2015-2020
Department stores retail market in Middle East and Africa is expected to record faster growth rate during 2015-2020 against historic period. Saudi Arabia dominates the regional market representing 33.7% of total department sales in the Middle East and Africa in 2015. Growth in Saudi Arabia will be driven by positive economic factors and increasing mall openings in major cities, of which department stores tend to be major attractions. Traditional department stores in South Africa are facing challenges amid declining spending and increasing competition. Department stores have invested huge amounts in technology-based services to simplify the shopping process. Key Findings - Saudi Arabia will remain the largest and fastest growing market in the region. The market will record highest CAGR of
Published Date: Nov 2016
Published By: Verdict Financial

Price: $1950
Department Stores Retailing in Asia-Pacific, 2015-2020
The Asia-Pacific department store retail sales is expected to grow faster during 2015-2020 against historic period. China dominates the regional market representing 38.3% of the Asia-Pacific's department stores retail sales. China will continue to be the largest value contributor, followed by Japan, which is set to record a CAGR of 3.7%. Indonesia is forecast to be the fastest-growing country driven by positive economic conditions and the success of leading retailers in Indonesia are attracting new players to the market. Key Findings - China is the largest market in the region and will continue to continue its position in 2020 - Indonesia is set be the fastest growing market for department stores in the region followed by India - Contracting profits is making Chinese department store
Published Date: Nov 2016
Published By: Verdict Financial

Price: $1950
Global Department Stores Retailing 2015-2020
Global department store retail market is expected to grow at a CAGR of 5.4% during 2015–2020, driven by the rising purchasing power of the middle-class population, young working professionals, and the expansion of department stores in emerging markets. Off-price department store sales are growing positively in North America, and the format is expected to gain popularity in Europe in the future. In an effort to provide a seamless shopping experience to the customers, department store retailers are developing new innovative concepts such as virtual reality, augmented reality, and others. Key Findings - Global department store sales are forecast to reach US$675.9 billion by 2020, with major impetus from developing economies - Clothing and footwear remained the most preferred category th
Published Date: Nov 2016
Published By: Verdict Financial

Price: $4950
Department Stores Retailing in the Americas,2015-2020
Department stores retail market in the Americas is expected to return to growth during 2015-2020, after experiencing a decline in historic period. The US dominates the market, representing 78.0% of the regional department stores retail in 2015. However, it will virtually remain flat in terns of growth during 2015–2020, affected by shifting consumer preference to other channels and rising demand for discounted and value clothing. Brazil will become the second-largest market by replacing Canada. Other Latin American markets, Peru, Chile, Mexico and Colombia, will grow at a faster pace, resulting in a value addition of slightly over US$7 billion. Key Findings - The US will continue to be the largest market, but will register very slow growth - Canada is the second-largest market in 2015.
Published Date: Nov 2016
Published By: Verdict Financial

Price: $1950
Wealth in the UAE: Sizing the Market Opportunity 2016
The UAE is a dynamic market due to government attempts to diversify the economy, but it remains highly reliant on the oil and gas industry. The expat population constitutes a very large part of the affluent and HNW segments, which in addition to the relatively underdeveloped local stock markets explains why a large proportion of wealth is held offshore. Nevertheless, the future growth of onshore assets will remain positive. Key Findings - Despite the small number of affluent individuals, this segment controls almost 80% of total liquid assets. At the end of 2015 HNW individuals held almost 30% of the country’s onshore liquid wealth. - The ultra-high net worth segment is forecast to record the highest liquid asset growth during 2016–20. - HNW investors in the UAE hold the majority
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Home Retail Series: Window Dressings
The UK window dressings market is forecast to slow to 1.4% growth in 2016, underperforming the homewares sector, due to weakening consumer confidence, a slower housing market in H2 and economic instability following the Brexit vote, with shoppers delaying larger ticket homewares purchases, such as curtains and shutters. Key Findings - "Dunelm is the dominant leader of the window dressings market, exploiting its specialist credentials to hold significant destination appeal in the category. With made to measure a key focus for the retailer, as well as remaining price competitive, we expect its share to continue to grow." - Stores remain a crucial part of the researching and browsing process, with 33.0% of blinds shoppers and 37.5% of curtains shoppers utilizing physical outlets before pu
Published Date: Nov 2016
Published By: Verdict Financial

Price: $8600
Retail Banking Country Snapshot: Norway 2016
Norway has a competitive market for most financial products, with only DNB maintaining a dominant position in the provision of current accounts, savings accounts, and mortgages. Overall, consumers are cautious in their choice of provider, favoring those with strong reputations and nearby branches. However, comparisons between life stage segments differ significantly. Norwegian consumers are not as price sensitive as other markets in the region. Digital self-service channels are the most popular for day-to-day banking activities, with telephone and branch channels used for more complex tasks. Fintech usage will soon become mainstream in Norway. Saving for unplanned events remains the number one saving goal for Norwegian consumers. Key Findings - Among consumers as a whole, reputation, bra
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
UK Protection Insurance: Term and Whole of Life
The life market has contracted significantly over the last couple of years since the introduction of the Retail Distribution Review (RDR) and the subsequent exodus of banks providing advice, so that now both the number of contracts and the value of premiums are at much lower levels than before. With minimal change in either variable over 2014 and 2015, a new normal is taking hold in the market. Key Findings - The sheer size of the total term market dictates the overall protection market direction, with the reduction in premium value every year from 2012 pinning the protection market back. Following a 3.6% drop in term premium income in 2015, the total protection market was only able to register 0.2% growth. - There has been very little activity within the term market itself to inspire
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Australian Mortgage Market: Forecasts and Future Opportunities 2016
We estimate that growth in the value of balances outstanding for both owner-occupier and investment residential mortgages will be 6.1% in 2016, a slight decrease on the strong performance in 2015. The market will continue to decelerate over the forecast period as owner-occupier growth tapers off and investment property lending fails to make up for the slack. Key Findings - First-time buyers remain the weakest part of the market, accounting for just 14.8% of gross advances in 2015. - Growth in investment property lending flatlined in light of Australian Prudential Regulation Authority restrictions, with owner-occupier lending surging at the same time. - Lending to foreign buyers is up considerably, but the majors have pulled back from foreign investors in light of fraud and the potentia
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Home Retail Series: Laundry & Cleaning
The laundry & cleaning market is expected to grow 1.6% in 2016, the highest rise in over five years. With growth heavily reliant on replacement purchases and sales of everyday household essentials, the market has been relatively stable, while larger ticket items, such as kitchen bins and airers, have also benefited from the housing market recovery post downturn – though this will ease as housing transactions slow. Key Findings "The grocers will continue to take the lions share of spend over the next five years, though the channel share will fall 0.5 percentage points to 38.5% with the big four forecast to lose further ground as the discounters, Amazon and general merchandisers broaden their offers and improve accessibility via store rollout." Price and convenience are the key drivers
Published Date: Nov 2016
Published By: Verdict Financial

Price: $8600
Retail Banking Country Snapshot: US 2016
The US is a very competitive market for all financial products. Product ownership rates are high, particularly for current accounts and savings accounts. Both younger and older age groups use branches often, meaning there is considerable scope for providers to encourage greater use of digital channels. As the market for financial services is fragmented, US consumers tend to favor local brands with a reputation for financial stability. Regulatory activities are focused on strengthening the banking sector. Key Findings - The top six banks hold less than half of the market, making it possible for small players and new entrants to compete. Two of the top three providers (Bank of America and JP Morgan) both recorded notable increases over the last 12 months, while Wells Fargo saw its market s
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Consumer Payments Country Snapshot: UAE
The UAE market is defined by limited penetration of payment cards and a high reliance on cash among consumers. In spite of an increasing trend in the use of technology, contactless payment rollout and adoption have yet to reach full potential in the Emirati market and there continues to be a significant share of non-mobile wallet owners who are not interested in using mobile wallets. Pay-later cards continue to be the most frequently used cards and only 30% of Emirati consumers pay their balance in full each month, leading to a significant rise in consumer indebtedness among Emirati credit card holders. Key Findings - Cash remains important as a payment tool in the UAE and debit cards are used mainly to withdraw cash. However, there is an increasing opportunity for providers to educate c
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Retail Banking Country Snapshot: Mexico 2016
While the market for current accounts and savings in Mexico is largely controlled by the four largest commercial banks, state-backed lenders dominate the mortgage market. Consumers place a lot of emphasis on ethical values, and this attribute is an important driver of choice across all key products. Branches remain vitally important for research, acquisition, and ongoing interactions, with online rarely being enabled for on boarding purposes. Key Findings - Reputation and branch location are by far the two most important factors driving choice of bank, especially for older consumers. This benefits incumbents that have established track records and large branch networks, and makes it difficult for new entrants to achieve scale. - Most mortgage lending in Mexico is channeled through gover
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Retail Banking Country Snapshot: Sweden 2016
Sweden has a competitive market for most financial products, with only Swedbank maintaining a dominant position in the provision of current accounts, savings accounts, and mortgages. Overall, consumers are cautious in their choice of provider, favoring those with strong reputations and nearby branches. However, comparisons between life stage segments differ significantly. Young Swedish consumers are much more inclined to act on recommendations than older consumers. Swedish consumers demonstrate higher price sensitivity relative to other markets. Digital self-service channels are the most popular channels for day-to-day banking activities, with telephone and branch channels used for more complex tasks. Fintech usage will soon become mainstream in Sweden. Home ownership is the number one sa
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Click & Collect in the UK
- Click & collect is forecast to grow by 64% between 2016 and 2021, driven by the clothing & footwear sector (growth of 85%) as increasingly time poor consumers are looking to reduce time spent shopping. - Although a relatively small part of overall category expenditure, click & collect spending in furniture & floor coverings will grow significantly between 2016 and 2021 with an increase of 271.8% making it by far the fastest growing category. Key Findings - Those aged between 35-44 have the highest penetration in click & collect purchases; often recent homeowners, these consumers are highly influenced by stylish online platforms that help to visualize home style looks. - The usage share for laptops and desktops has declined on the previous year while click & collect products purchased
Published Date: Nov 2016
Published By: Verdict Financial

Price: $5750
Insurance Competitor Profile: Allianz 2016
Allianz Group is an integrated financial services provider with a global reach of more than 70 countries. It is the market-leading insurer in Germany, and also has a strong presence in France, Italy, the US, and the UK. Allianz Insurance is the UK branch of Allianz Group, and it offers commercial and personal insurance distributed through brokers, retailers, affinity partners, veterinary practices, and direct marketing. Key Findings - Allianz's strategy is focused and steady. Its personal lines serve multiple market segments through multiple brands, while commercially Allianz mainly focuses on its global, corporate image. - Allianz includes brands that cover a broad range of segments, as well as brands that are more focused on niche areas. - Allianz's strong performance in commercial c
Published Date: Nov 2016
Published By: Verdict Financial

Price: $1295
Consumer Payments Country Snapshot: Mexico 2016
The Mexican cards market is generally underdeveloped. Despite a high penetration of pay-now cards, financial inclusion is incomplete and the market in general is heavily reliant on cash. The cards market is growing strongly but not explosively, and current trends make it unlikely that there will be a major shift in the near future. Key Findings - Mexican credit card holders mostly revolve their credit card balances every month, making interest on these cards a major revenue source for issuers. - e-commerce accounts for the vast majority of online purchases by value in Mexico, and is expected to remain dominant in the short term, although mobile commerce is expected to record a CAGR of 22% between 2015 and 2020. - Mobile point of sale devices will be critical in extending electronic pay
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Retail Banking Country Snapshot: Canada 2016
The market for most financial products in Canada is largely controlled by the top five banks, although non-bank lenders have made significant inroads into the mortgage market in recent years. Consumers have conservative preferences, opting for providers on the basis of reputation, branch presence, and pricing. Mobile is now the preferred channel for routine transactions for around a tenth of consumers, and this proportion will rise as older consumers adopt mobile banking in greater numbers. Key Findings - Choice of chequing account provider is mainly governed by reputation and branch location. Although branch location is of greatest importance to post-families, over half of younger consumers also cited this as a factor. - Although there has been a fall in the proportion of savers openin
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Wealth in the UK: Competitive Dynamics 2016
Since the introduction of the Retail Distribution Review (RDR) in 2012, the UK wealth management competitive landscape has undergone a steady evolution. New business models have emerged as both new and established players seek ways to address the range of financial demands of retail, mass affluent, and cost-conscious high net worth (HNW) individuals. Several digital platforms have launched in the UK market in 2016, ranging from extensions of traditional wealth managers to robo-advisors. With the Financial Conduct Authority (FCA) addressing issues of regulated technology and improved communication, initiatives will continue to develop going forward. Key Findings - UK wealth manager activity is concentrated in London and South East England. This is unsurprising, as these regions are home t
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Wealth in Belgium: Sizing the Market Opportunity 2016
Wealth market growth in Belgium has experienced a slowdown in 2016 following the terrorist attacks and Brexit. Combined with the volatility of the stock market, Belgian individuals have been driven to adopt cautious investment strategies. Nevertheless, future growth will be driven by mutual funds. The increase in their popularity in a sector where asset allocation is dominated by deposits can be attributed to their balanced and fixed income strategies. Key Findings - Deposits account for over 50% of the Belgian savings and investments market, but mutual funds will register the highest growth during 2016–20. - HNW individuals allocate over 10% of their investible assets outside traditional investments. Hedge funds, real estate investment trusts (REITs), and private equity funds constit
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Outdoor Eating
Growth in the outdoor eating market has slowed to 0.4% in 2016 (from 3.1% in 2015) but is set to recover, to 0.8%, in 2017. The outdoor eating category is continuing to grow and is expected to increase c.£4m by 2021. A shift in mentality has seen more consumers using outdoor areas for entertaining and are increasingly furnishing these spaces with a range of outdoor furniture and eating products. Key Findings - A growing proportion of consumers are using outdoor living spaces for entertaining and a distinct group are emerging for retailers to target: younger customers who are choosing to entertain at home as a more economical social activity - There is greater demand for more compact outdoor eating equipment as the size of outdoor living areas shrinks. - Despite ongoing uncertainty ove
Published Date: Nov 2016
Published By: Verdict Financial

Price: $8600
Retail Banking Country Snapshot: Singapore 2016
Singapore has a highly concentrated market for most financial products, with DBS, POSB, and OCBC dominating the provision of current accounts, savings accounts, and mortgages. Consumers are cautious in their choice of provider, favoring those with strong reputations and nearby branches. Mobile is now a significant channel for routine transactions, although use is heavily skewed towards younger age groups. Satisfaction with digital channels is significantly higher than for branches and call centers. Key Findings - Among consumers as a whole, reputation, branch location, and price are the three most influential drivers across all products. In addition, Singaporean consumers show a preference for local brands. - Borrowers overwhelmingly prefer direct application for mortgages, with 79% of
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Consumer Payments Country Snapshot: Netherlands 2016
The Dutch payments market is highly mature, with consumers very comfortable using debit cards and online payment channels (especially local brand iDEAL, backed by wide acceptance and a convenient user experience). In spite of a high level of consumer comfort with established payment instruments, recent developments in mobile proximity payments as well as contactless technology by the likes of ING, Rabobank, and ABN Amro will see these payment options gain traction among Dutch consumers. Of course, in the initial stages providers will need to highlight their use cases and advantages over traditional payment tools to consumers. Key Findings - In contrast to the high level of adoption and rollout of debit cards, credit and charge cards are significantly less popular among Dutch consumers. T
Published Date: Nov 2016
Published By: Verdict Financial

Price: $3450
Retail Banking Country Snapshot: Taiwan 2016
Taiwan has an advanced but overcrowded financial services market. Ownership of the key financial products is widespread, with consumers favoring providers that have a good reputation and with which they have an existing relationship. Although internet and mobile services are comprehensively available, local consumers still demonstrate a preference towards the branch channel over digital, in part due to Taiwan’s urban structure facilitating branch access. Key Findings - Branch location, reputation, and being a local brand are the most influential factors driving choice of provider, even among younger consumers who may have been expected to be less swayed by traditional considerations. - Competitive interest rates and a good reputation are key drivers of provider choice across all life
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
UK SME Insurance: Distribution Dynamics 2016
Verdict Financial’s “UK SME Insurance: Distribution Dynamics 2016” report looks at how SMEs buy insurance coverage and the reasons behind their purchasing decisions. This report also examines the services SMEs are currently receiving and the additional amenities they would like from their provider going forward. Other influential factors on the market are also taken into consideration, such as the location of the business (home or on-site/office), or the age of the business owner. Key Findings - Purchasing insurance online via a PC is the most common method by which SMEs arrange cover: 31.6% of respondents claimed to purchase the majority of their insurance over the internet on a desktop PC. - SMEs are typically very loyal to their providers with most product markets commonly reta
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
Retailing in the Philippines - Market Summary & Forecasts
The Philippines’ retail sector is expected to witness healthy growth over the next five years, backed by improving economic conditions, government efforts to boost domestic consumption, relatively low inflation levels, and increasing disposable income. The growing ubiquity of high-speed internet access and the increasing adoption of mobile devices are fueling the growth of sales through the online channel, and the trend is expected to gain further traction over the next five years. Key Findings - Real-estate developers are broadening their horizons into the retail market - Online continues to be the most sought after channel for consumers - The luxury sector is set to witness healthy growth in the forecast period - Food and grocery accounts for a major share of the country’s total
Published Date: Oct 2016
Published By: Verdict Financial

Price: $4950
Retail Banking Country Snapshot: New Zealand
New Zealand has a highly concentrated market for most financial products, with ANZ, ASB, and Westpac dominating the provision of current accounts, savings accounts, and mortgages. Consumers are cautious in their choice of provider, favoring those with strong reputations and nearby branches. Mobile is now a significant channel for routine transactions, although use is heavily skewed towards younger age groups. Satisfaction with digital channels is significantly higher than for branches and call centers. Key Findings - Among consumers as a whole, reputation and branch location are the two most influential drivers of choice of current account provider, and are particularly important to post-family consumers. Younger consumers are particularly reliant on personal recommendations. - Borrower
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
Wealth in Taiwan: Sizing the Market Opportunity 2016
A plunge in stock market performance and weak economic data took a toll on Taiwanese wealth generation in 2015. However, a robust equity market recovery in 2016 has boosted the retail savings and investment market, with gains of almost 10% on the Taiwan Futures Exchange in the first nine months of 2016. Between 2016 and 2020, Taiwan’s retail investment market is forecast to record a compound annual growth rate (CAGR) of 4.9%. Key Findings - Affluent individuals account for 25.9% of the population, with HNW individuals constituting just 0.45% of the total adult population. Affluent individuals hold 78% of the total wealth, or $987.2bn, of which the HNW share is around 29.8%. - Over the forecast period, all asset classes are set to exceed economic growth. However, deposits are likely to
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
Wealth in South Africa: Sizing the Market Opportunity 2016
South Africa is currently navigating a turbulent course of political, economic, and financial uncertainties that are seriously undermining future prospects. Low economic growth, high inflation, currency devaluation, and the threat of a further downgrade of the country’s national credit rating to “junk” are hampering the South African wealth market. Political tensions are increasing investor nerves, making it a vital time for wealth managers to guide their clients through rough waters. Key Findings - Affluent individuals account for just 0.8% of the South African population but hold over 90% of liquid assets. This reflects the high levels of wealth inequality, with the country consistently ranked as the most unequal in the world. - The macro environment will hamper growth in the sa
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
The European Air Traveler and Duty Free Spending Trends 2016-2017
Verdict Retail’s “The European Air Traveler and Duty Free Spending Trends 2016–2017” report examines travelers’ opinion about the purpose of air travel, the current trends in spending patterns in duty free retail stores, and their retrospective effect on the marketing activities and business expansion plans adopted by retailers. Furthermore, it analyzes preferred travel destinations, shopping frequency, purchasing patterns, and average expenditure. In addition, the report examines time spent, brand preferences, and key factors that motivate travelers to purchase at airport retail stores. Additionally, it provides information categorized by gender, age, and annual income. Key Findings - The highest percentage of European travelers within the age group 18–24 years travel through
Published Date: Oct 2016
Published By: Verdict Financial

Price: $1950
Retailing in South Korea-Market Summary & Forecasts to 2020
South Korea’s retail sector is expected to witness healthy growth over the next five years, backed by improving economic conditions, government efforts to boost domestic consumption, relatively low inflation levels, and increasing disposable income. 
Published Date: Oct 2016
Published By: Verdict Financial

Price: $4950
UK Protection Insurance: Critical Illness & Income Protection
Individual product performance in the protection market is a turbulent and confusing picture, with erratic premium behavior across the board. While term (and specifically non-mortgage term) products are still the dominant force with over 70% of protection share, there has been downward pressure on every product line in recent times, reflecting the uncertain, fragile national macroeconomic picture. Indeed, in the absence of major market-driven change it is the macro-environment that dictates performance. Key Findings - Although the Retail Distribution Review (RDR) was aimed at the retail investment market, and commission-based business is still permitted for protection products, the net effect has been that advisors offering a range of services have had to adapt their models. In addition
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
Wealth in France: Sizing the Market Opportunity 2016: Sizing the wealth market in France and its growth potential.
Growth in France’s retail savings and investment market will be dampened by a faltering economic recovery and a weaker stock market performance. Economic and political challenges continue to reverberate in the development of the affluent market, with lower growth forecast in both individuals and assets to 2020. Key Findings - Affluent individuals account for 17.5% of the French adult population and hold 80.6% of liquid assets. This wealth distribution is similar to other developed economies. The proportion of affluent individuals among the French adult population is expected to increase by 2 percentage points by 2020. - Slow but steady growth is forecast in the French retail savings and investments market (2.2% compound annual growth rate to 2020). Lower growth rates are anticipated
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
UK SME Insurance: Competitor Dynamics 2016
The SME market is important for commercial insurers as SMEs account for the majority of the UK economy. With insurers increasingly targeting the segment, the market is very competitive. Insurers are developing their propositions to cater for small and medium sized enterprises. E-trade is becoming more of a central focus for the insurers in this space, as is the distribution of high-volume, low-value business via the direct channel. Organizations within the market vary in size and so have different insurance needs and service preferences, which means the SME market should not be categorized as one segment. Direct propositions are primarily being developed by those looking to target sole traders and micro-sized enterprises with packaged products. Meanwhile e-trading is of greater focus for
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
UK SME Insurance: Market Dynamics and Opportunities 2016
The UK SME insurance market has continued to grow. In 2015, the market was worth £7.7bn in gross written premiums (GWP), up 12.1% year-on-year. This has been driven by a growing economy, which has facilitated increases in the number of SMEs in the UK and consequently the opportunity to sell commercial insurance. Key Findings - Micro businesses account for 95.5% of UK private sector enterprises and 18.1% of generated turnover. - Uptake of cyber insurance and directors and officers liability insurance has risen by 11.6 and 10.5 percentage points respectively since 2014. - 38.0% of SMEs are concerned about an event that would stop them trading. - The UK SME insurance market is forecast to be worth £9.04bn in 2020. Synopsis Verdict Financial’s “UK SME Insurance: Market Dynami
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
Retailing in Thailand-Market Summary & Forecasts
The Thai retail market recorded a CAGR of 3.2% over the past five years despite economy slowdown and political instability. It is expected to grow at a CAGR of 3.7% in 2015-2020 driven by increasing consumer spending, rising tourism, and a growing middle-income population. In addition, the Thai government has included boosting consumer spending among its main economic policies will support the growth retail market in the country. 
Published Date: Oct 2016
Published By: Verdict Financial

Price: $4950
Super League In-Depth Analysis: Deutsche Bank Wealth Management 2016
Following the appointment of new CEO John Cryan, Deutsche Bank announced a fundamental restructure of its business units and management in October 2015, which came into effect in January 2016. Now the bank’s wealth management division sits within the Private, Wealth & Commercial Clients (PW&CC) division, which is one of four main business segments. Despite the profitability issues at group level thanks to a host of problems – including a fundamentally unprofitable investment bank, weak capitalization, steep restructuring costs, and a litany of litigation woes – the bank’s wealth business has been profitable, albeit weakened. Key Findings - As of January 2016, Deutsche Bank’s wealth management division sits within the PW&CC division, which is one of four main business segments.
Published Date: Oct 2016
Published By: Verdict Financial

Price: $1295
Retail Banking Country Snapshot: Russia
Russia’s economic crisis continues to negatively impact the market. Russian consumers have shown a preference towards conservative banking practices that can provide them with added security and stability amid a market in turmoil. Consumers favor providers that have a good reputation and with whom they have an existing relationship. Fintech providers are well known. Key Findings - Reputation, branch location, and the convenience of opening an account are the most influential factors driving choice of provider, which gives established banks an advantage over digital-only entrants. Consumers are increasingly using online for more complex activities, and the next step is for banks to upgrade mobile with chatbots and other functionality to help with query resolution. - Savers choose the
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
UK Commercial Motor Insurance: Competitor Dynamics 2016
The UK commercial motor insurance market is highly competitive. The market grew slightly in 2015 as a result of economic growth, which boosted business prosperity and therefore investment in commercial vehicles to support business expansion. But with the effects of Brexit looming large, the market is expected to witness slow growth as businesses become more wary of making investments in new commercial vehicles. Key Findings - The top 10 insurers account for more than three quarters of the market. - RSA, Aviva, Allianz, and NFU Mutual have been the top four since 2013. - NFU Mutual was the most profitable commercial motor insurer among the top 10. Synopsis Verdict Financial’s “UK Commercial Motor Insurance: Competitor Dynamics 2016” is part of a series providing a high level l
Published Date: Oct 2016
Published By: Verdict Financial

Price: $1295
Gardening Market
Gardening sales growth has slowed to 2.1% in 2016, its weakest performance since 2012. Fairly favorable weather conditions early in the year, including above average mean temperatures and levels of sunlight, made 2015 a relatively strong period. Furthermore, 2015 sales were supported by low inflation and interest rates boosting customers’ spending power and recovering levels of consumer confidence encouraging shoppers to make big ticket purchases. A combination of these factors helped boost growth to 2.5%. Subsequently, 2016 has struggled against these strong comparatives. Key Findings - Despite ongoing uncertainty over the UK housing market and the outcome of the Brexit vote, gardening is relatively resistant to downturns compared to many other retail categories. Austere consumers per
Published Date: Oct 2016
Published By: Verdict Financial

Price: $8600
Outdoor Furniture Market
Growth in the outdoor furniture market has slowed to 1.5% in 2016 (from 7.7% in 2015) and is set to slow further, to 0.5%, in 2017. 2015 was a strong year with favorable weather conditions, which included above average temperatures and longer periods of sunshine. In addition, low inflation and interest rates boosted consumer spending power, encouraging higher ticket purchases. Key Findings - Despite ongoing uncertainty over the UK housing market and the outcome of the Brexit vote, shoppers continue to purchase outdoor furniture. Home barbecuing is now more frequently used for family meals not just entertaining, as more people see the garden as an extension of their home, especially during the summer. - As more consumers purchase outdoor furniture online, it is more important for retail
Published Date: Oct 2016
Published By: Verdict Financial

Price: $8600
Retail Banking Country Snapshot: China
The Chinese banking market is opening up to new entrants in order to encourage greater competition within the sector, and investment in banking infrastructure is likely to speed up digital expansion. The market for financial services in China is concentrated, with an oligopoly of five banks that service 72% of the market. Younger age groups use branches more often, meaning there is considerable scope for providers to encourage greater use of digital channels. Key Findings - The top six providers have a 70% share of the China current account market. Branch location and reputation are the most influential factors driving choice of provider, giving established banks an advantage over digital-only entrants. Younger families claim to be the likeliest segment to switch provider over the next 1
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
Consumer Payments Country Snapshot: UK
The UK payments market is highly mature – arguably even over-served by its financial institutions. Access to formal financial services in the UK is easy and (though this is now changing in some cases) free, leading to a population which is highly comfortable with credit and debit cards both in-store and online. Key Findings - Bank transfers have now become the preferred P2P method in the UK, likely thanks to the convenience and speed of Paym transfers. - E-commerce accounts for the majority of online purchases by value in the UK, although m-commerce is expected to record a compound annual growth rate (CAGR) of 11% between 2015 and 2020 as consumers become increasingly comfortable using mobiles to shop online. - The UK regulatory environment has seen significant change recently, with
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
Retail Banking Country Snapshot: Germany 2016
Local and co-operative banks, such as the Sparkassen and Volksbanken Raiffeisenbanken, dominate the retail banking market in Germany, with private commercial banks having a much smaller presence. Consumers strongly favor providers with good reputations, and personal recommendations are particularly important to younger age groups. Branches remain the most used acquisition channel across all products, although satisfaction levels for ongoing interactions are higher for digital than human channels. Key Findings - The Sparkassen, or savings banks, are the leading providers of retail financial services to German consumers. 40% of consumers used online as their main acquisition channel during 2013–16 compared to just 23% during 2010–12. With the exception of Deutsche Bank, the largest cu
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
Wealth Management Super League 2016: Comparing the performance of the worlds leading wealth managers
At the end of 2015, client assets booked with the world’s 25 leading private wealth managers grew by 0.9%. The top three rankings remained unchanged, with Switzerland’s UBS leading the way, followed by the US players Bank of America (BoA) Merrill Lynch and Morgan Stanley. Although industry-wide growth was much weaker than a year ago, pushed down by challenging market conditions and exchange rate fluctuations, most competitors maintained positive new money flows. Looking forward, however, 2016 results will reveal whether HNW investors are indeed again ready to trust the biggest players with their money. This will have a significant influence on wealth managers’ financial performance, as they struggle with decreasing margins and growing regulatory and restructuring costs. Key Finding
Published Date: Oct 2016
Published By: Verdict Financial

Price: $5250
Retail Banking Country Snapshot: Australia 2016
The Australian financial services market is highly developed, although it is largely dominated by its big four – Commonwealth Bank (CBA), NAB, Westpac, and ANZ, which each own a number of other banks with strong brands in the market such as St.George, Bank west, and Bank of Melbourne. The country has a very large banked population who favor providers with good reputations and competitive rates. Although a sizable minority of consumers have already used fintech or alternative providers, such as peer-to-peer (P2P) lenders, skepticism about their benefits remains dominant. Usage of online has taken over branches for a number of basic banking tasks (with mobile hot on its heels), and is growing for complex interactions, particularly among younger consumers. Key Findings - The transactiona
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
Consumer Payments Country Snapshot: Norway 2016
The card reigns supreme in Norway, with only 6% of the population using cash on a daily basis and most possessing a minimum of two payment cards. And although the market is one of the most mature in the world, further growth is expected for both pay-now and pay-later cards. Key Findings - Nearly half of all credit card balances are revolved each month. Income from balance-related interest and fees make the market profitable, as does the low churn rate. - Online shopping is well established in Norway, and the NOK112bn spent in 2015 is set to double over the next five years. - The rollout of contactless and NFC-enabled payment terminals has been slow in Norway, but consumers are interested in the technology – they just don’t know where it can be used. Synopsis Verdict Financial
Published Date: Oct 2016
Published By: Verdict Financial

Price: $3450
Retailing in Malaysia-Market Summary & Forecasts; Comprehensive overview of the market, consumer, and competitive context, with retail sales value and forecasts to 2020
Total retail sales in Malaysia saw positive growth over the historic period, and this is expected to continue to 2020. However, the implementation of GST had a major influence on consumer confidence, and reduced consumer spending levels. The demand for products reduced to some extent as consumers limited their spending to daily essentials. 
Published Date: Sep 2016
Published By: Verdict Financial

Price: $4950
Consumer Attitudes and Online Retail Dynamics in New Zealand, 2015-2020
New Zealand’s online market is expected to continue on its growth trajectory over the next five years, mainly driven by higher internet and fixed broadband penetration and the easy availability of high speed internet coupled with high smartphone adoption in the country. In addition, rising popularity of e-commerce on the back of easy payment options will boost online sales over the forecast period.
Published Date: Sep 2016
Published By: Verdict Financial

Price: $1450
The UK Stationery Market 2016-2021
Verdict Retail’s definition of the Stationery market is comprehensive, splitting products into five main categories. These are ‘Paper and Notepads’, ‘Writing and Drawing Instruments’, ‘Accessories’, ‘Storage’ and ‘Other’. The sector is predicted to grow 2.4% from £2.06bn in 2016 to £2.1bn in 2021. The Stationery Sector report outlines the main drivers, inhibitors and issues then outlines what people buy, where people shop, how people shop and why people shop. Commentary includes retailer performance and market shares amongst the grocers, general merchandisers, specialists and discounters. Key Findings VALUE OF THE MARKET: - Stationery is worth £2.06bn in the UK having grown 3.2% in the past 5 years BEST PERFORMING SUB-CATEGORIES: - Market analysis shows that the
Published Date: Sep 2016
Published By: Verdict Financial

Price: $5759
Wealth in the Philippines: Sizing the Market Opportunity; Sizing the wealth market in one of Asias fastest growing economies.
The Philippines is home to a relatively small affluent population, and the country’s financial services sector is somewhat unsophisticated relative to many of its ASEAN-6 neighbors and other developed nations. Retail participation in the equities and mutual fund markets is very low, with the bond market traditionally more popular but the majority of allocations still held in deposits. However, very strong economic performance over recent years and a new government committed to shaking off the image of the Philippines as the ‘sick man of Asia’ bodes well for the future of its financial services sector and the population’s financial literacy. Local wealth managers may not currently have a particularly large lucrative target market onshore, but this segment will grow significantly and
Published Date: Sep 2016
Published By: Verdict Financial

Price: $3450

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