Skip navigation
Reports & Analysis Custom Research Research Subscriptions
Sign In / Create Account Cart
Sign In / Create Account Cart
  • Reports & Analysis
  • Custom Research
  • Research Subscriptions

Resources

  • Press Releases
  • Blog
  • Resources & Downloads
  • Impact Tracker

The Freedonia Group

  • Contact
  • About
  • Our Staff
  • Help Center
  • Career Opportunities
Back to Packaged Facts

Consumer Banking and Borrowing: U.S. Market Trends

Industry Reports, Global

Report Overview

Special offer: now 20% off original full report price

 

Consumer Banking and Borrowing: U.S. Market Trends

Consumer banking and borrowing trends represent a host of riddles in need of solving. While checking account usage will likely continue to decline, the primary checking account remains the foundation of consumers’ banking relationships. Multi-channel banking is reshaping the consumer relationships with financial institutions, and yet branch banking obituaries are entirely premature: Millennial and Silent Generation alike see great value in them. Generational differences aside, the primary banking relationship brings great rewards, but it can be further strengthened. High savings rates, low financial security, low delinquency rates, and sworn aversion to adding to debt loads spell consumer loan stagnation, and yet consumer loans outstanding have long been hitting new highs. Emerging and alternative products and services are making an impact in the marketplace, and yet major banking institutions will continue to dominate the consumer banking landscape for years to come.

To help market participants navigate these riddles and succeed years down the road, Consumer Banking and Borrowing: U.S. Market Trends provides trend-forward analysis of the consumer banking and borrowing market, focusing on commercial banks, credit unions, and savings institutions, with supplemental analysis of finance companies, as well as emerging banking alternatives. In doing so, the report emphasizes 2007-2016 trend patterns that highlight consumer behavior, attitudes and usage of banking and borrowing products and services; and related deposit, asset and loan trends.
 

Consumer Banking and Borrowing: U.S. Market Trends Does The Following:

  • Assesses the consumer’s future prospects, blending economic forecasting, employment trend analysis and HH income shifts in affluence; consumer attitudes toward debt, money management trends and savings trends; and consumer debt ratio, delinquency rate and charge-off trends.
  • Provides direction on the importance of checking accounts and primary checking accounts to consumers, with analysis of factors important to opening a bank account; assesses banking institution consolidation trends; and banking institution asset, deposit and loan growth trends; and discusses how technology impacts consumer decisions that curtail banking revenue.
  • Analyzes consumer banking revenue streams and amounts for three major banking institutions with varying product emphasis, and discusses consumer security and trust concerns.
  • Discusses the primary banking relationship, including identifying primary banking choices among major banking institutions, assessing factors relevant to choosing a primary bank, primary bank relationship length, and number of banking institutions used.
  • Studies factors that can strengthen the primary banking relationship; the degree to which major banking institutions cross-sell credit cards to bank users and the degree to which they cross-sell banking services to credit card users.
  • Studies the impact of mobile banking, including the importance of banking apps to the account opening decision and shifts in bank channel usage.
  • Details checking and savings account usage trends, emphasizing age, generation, and HH income shifts in usage; banking account and card usage, by type of account and card; and checking account usage, by bank channel and emerging account types.
  • Assesses consumer deposits and deposit service charges, providing a consumer checking and savings deposit market size; a breakdown of consumer service charges by type; and analysis of banking institutions by total consumer deposits, by consumer deposit fees, by highest share of consumer deposit fees, and by the ratio of overdraft fees to deposits.

Table of Contents

    • $2,489.15

      • $270.00

      • $2,274.14

        • $758.20

        • $639.65

        • $499.24

        • $376.25

    • $2,852.53

      • $295.45

        • $270.00

        • $270.00

        • $270.00

      • $647.11

        • $270.00

        • $270.00

        • $270.00

        • $270.00

        • $270.00

        • $270.00

      • $324.84

        • $270.00

        • $270.00

        • $270.00

      • $631.34

        • $270.00

        • $270.00

        • $270.00

        • $270.00

        • $270.00

      • $302.17

      • $401.42

        • $270.00

        • $270.00

        • $270.00

        • $270.00

      • $270.00

        • $270.00

    • $2,510.56

      • $1,113.10

        • $270.00

        • $270.00

        • $438.95

        • $270.00

        • $270.00

        • $270.00

      • $270.00

        • $270.00

      • $304.22

        • $270.00

      • $932.21

        • $270.00

        • $270.00

        • $270.00

        • $270.00

        • $270.00

        • $270.00

        • $270.00

        • $377.57

    • $1,839.30

      • $680.76

        • $424.20

        • $270.00

        • $270.00

      • $1,120.10

        • $270.00

        • $270.00

        • $393.44

        • $485.12

    • $1,168.62

      • $270.00

      • $270.00

      • $270.00

        • $270.00

      • $350.40

        • $270.00

        • $270.00

        • $270.00

      • $270.00

      • $270.00

        • $270.00

        • $270.00

      • $270.00

    • $539.84

      • $539.39

        • $270.00

        • $270.00

        • $270.00

        • $351.37

Purchase Options

Purchase Report

Select your license:

  • $3,800.00
  • $5,700.00
  • $9,500.00
  • — —
    Section prices in Table of Contents

Subscription Options

License by subscription

This report is available through our subscription services.

Subscription Pricing
Already have a subscription? Log in.

Questions & Assistance

Our representatives are available to help answer your questions.

Live Chat is Offline
Email us

Share This Report

Copied to clipboard. Could not copy to clipboard.

Download a Free Sample Report Now

Sample Reports include examples of all the tables, charts, infographics and topics included in this study.

Use Licenses

The Single User License (SUL) authorizes a single individual to use the electronic study acquired. Agreement to the SUL is required in order to purchase the study. If you require more than one user a Departmental Site License or Global Site License should be purchased. 

The Departmental Site License (DSL) authorizes up to five users to share the study acquired. Agreement to the DSL is required in order to purchase the study. If your organization requires more than five users, the Global Site License should be purchased.

The Global Site License (GSL) allows everyone in your organization to share the study intelligence. Agreement to the Global Site License terms is necessary in order to purchase it. 

;

Related Reports and Studies

  • Digital Payments in the US: Consumer Usage, Wallets, and P2P

    Industry Reports

    Driven by mobile app purchases, mobile P2P, and mobile bill payment, digital payments are increasingly mobile in nature. But while mobile purchases are speeding forward, in-store and remote payments trends tell different stories.

    January 2018 88 pages
    Free sample available
  • Hispanic Market: Wealth, Banking, and Payment Trends

    Industry Reports

    Hispanic household wealth is expected to grow by more than 90% from 2010 to 2019, and the number of Hispanic households with a net worth of $100,000 or more is expected to top 3.5 million in 2018.

    December 2018 98 pages
    Free sample available
  • Prepaid and Gift Cards in the U.S., 6th Edition

    Industry Reports

    Pushing beyond traditional underbanked and unbanked segments, general-purpose reloadable prepaid cards are increasingly positioned as accounts targeting those with digital-forward banking needs and as new products targeting growing but underserved niche markets.

    August 2018 159 pages
  • Gig Economy Workers: Financial Services and Benefits Trends and Opportunities

    Industry Reports

    January 2019 68 pages
    Free sample available
  • The African-American and Hispanic Markets: Wealth, Banking, and Payment Trends

    Industry Reports

    Buoyed by post-recession economic growth, African American household wealth is expected to grow by 70% from 2010 to 2019, and the number of African American households with a net worth of $100,000 or more is expected to top 4.7 million in 2018.

    December 2018 117 pages
  • Millennials and Financial Services: Reclaiming the "Unbanked"

    Industry Reports

    July 2016 5 pages
  • Affluent and High Net Worth Market: Wealth, Banking, and Payments Trends, 8th Edition

    Industry Reports

    This report segments affluent and high-net worth consumers and households, drilling down into their household finances, banking relationships and financial products and services usage and attitudes.

    March 2019 147 pages
    Free sample available
  • Amazon Strategies and the Amazon Shopper, 2nd Edition

    Industry Reports

    Amazon’s U.S. gross merchandise sales will comprise 43% of U.S. e-commerce sales in 2019, up from 28% in 2015.

    October 2019 217 pages
    Free sample available
  • Amazon Strategies: Financial and Payment Services, 2nd Edition

    Industry Reports

    Financial services and products not only play a key role in Amazon’s loyalty proposition but also present the company with numerous additional growth opportunities.

    October 2019 102 pages
  • Global Commercial Cards & B2B Payment Services

    Focus Reports

    This report forecasts global payment cards by value for 2019-2022.

    December 2019 31 pages
    Free sample available
View More

Have unique research needs?

Freedonia Custom Research listens intently to your needs and objectives. Then we work diligently to define a service offering to meet them.
Learn About Our Custom Research Services

Stay informed with Freedonia

Receive periodic updates about new market research in areas relevant to your business. Have the convenience of Freedonia research at your fingertips when you need it.
  • Contact
  • About
  • Help Center
  • Career Opportunities
  • Press
  • User Agreement
  • Privacy Policy
  • Site Map
Facebook Linkedin Twitter

Additional Resources

  • Market Size Resources
  • Lawn Mowers Research
  • Global Lubricants Research
  • Global Paint & Coatings Research
  • Global Industrial Valves Research
  • Global Agricultural Equipment Research
  • Indoor Air Quality Equipment Research
  • Global Adhesives & Sealants Research
  • Hardscaping Products Research
  • Residential Landscaping Research
  • Food Packaging Research
  • Global Carpets & Rugs Research
  • Global Residential HVAC Research
Copyright © 2023 MarketResearch.com, Inc. All rights reserved.