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

  • Analyst Buzz
  • Press Releases
  • Blog
  • Resources & Downloads

The Freedonia Group

  • Contact
  • About
  • Our Staff
  • Help Center
  • Career Opportunities
Freedonia Market Research Packaged Facts Consumer Banking and Borrowing: U.S. Market Trends

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

    • $2,981.79

      • $323.44

      • $2,724.24

        • $908.26

        • $766.25

        • $598.05

        • $450.72

    • $3,417.10

      • $353.92

        • $323.44

        • $323.44

        • $323.44

      • $775.19

        • $323.44

        • $323.44

        • $323.44

        • $323.44

        • $323.44

        • $323.44

      • $389.14

        • $323.44

        • $323.44

        • $323.44

      • $756.30

        • $323.44

        • $323.44

        • $323.44

        • $323.44

        • $323.44

      • $361.97

      • $480.87

        • $323.44

        • $323.44

        • $323.44

        • $323.44

      • $323.44

        • $323.44

    • $3,007.43

      • $1,333.40

        • $323.44

        • $323.44

        • $525.83

        • $323.44

        • $323.44

        • $323.44

      • $323.44

        • $323.44

      • $364.44

        • $323.44

      • $1,116.71

        • $323.44

        • $323.44

        • $323.44

        • $323.44

        • $323.44

        • $323.44

        • $323.44

        • $452.30

    • $2,203.33

      • $815.50

        • $508.16

        • $323.44

        • $323.44

      • $1,341.80

        • $323.44

        • $323.44

        • $471.32

        • $581.14

    • $1,399.91

      • $323.44

      • $323.44

      • $323.44

        • $323.44

      • $419.75

        • $323.44

        • $323.44

        • $323.44

      • $323.44

      • $323.44

        • $323.44

        • $323.44

      • $323.44

    • $646.69

      • $646.14

        • $323.44

        • $323.44

        • $323.44

        • $420.91

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

Check to see if this report is available through our subscription services.

Subscription Pricing
Already have a subscription? Log in.

Questions & Assistance

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.
We are providing this product sample both to illustrate the nature of our product and to collect contact information for future marketing purposes. If you do not provide your marketing consent we reserve the right not to deliver the product sample.
The Freedonia Group needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at any time. For information on how to unsubscribe, as well as our privacy practices and commitment to protecting your privacy, please review our Privacy Policy.

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

  • Prepaid Cards in the US, 9th Edition

    Industry Reports

    This report presents a deeply detailed analysis of the opportunities and challenges confronting the companies participating in the prepaid card segment, whether they be card managers, marketers or issuers.

    NEW! May 2025 107 pages
    Free sample available
  • Co-Branded Credit Cards: United States

    Focus Reports

    This report provides US co-branded credit card purchase trends in nominal US dollars.

    NEW! February 2025 23 pages
    Free sample available
  • Co-Branded Credit Cards in the US, 10th Edition

    Industry Reports

    The report covers the US market for co-branded credit cards, with an emphasis on recent changes in co-branded credit card programs.

    NEW! February 2025 125 pages
    Free sample available
  • Buy Now, Pay Later: United States

    Focus Reports

    This report forecasts from 2024 to 2028 the US Buy Now, Pay Later (BNPL) market in nominal US dollars. The total market is also provided for 2023.

    NEW! November 2024 33 pages
    Free sample available
  • Buy Now, Pay Later:Point of Sale Installment Loans in the US Market and International Perspectives, 4th Edition

    Industry Reports

    The adaptability and resilience of the Buy Now, Pay Later (BNPL) industry has confounded naysayers on Wall Street, in traditional banks and finance companies, and within the credit card segment.

    November 2024 139 pages
    Free sample available
  • Private Label Credit Cards: United States

    Focus Reports

    This report forecasts US private label credit card (PLCC) receivables and purchase volume for 2024-2027 in US dollars.

    August 2024 32 pages
    Free sample available
  • Private Label Credit Cards: US Market Trends, 14th Edition

    Industry Reports

    This report covers the US market for private label credit cards (PLCCs), with an emphasis on card issuers, merchants, consumers and the competitive and economic challenges shaping the industry

    August 2024 99 pages
    Free sample available
  • Commercial Payment Cards: United States

    Focus Reports

    This report forecasts for 2024-2027 total US commercial card volumes in nominal US dollars.

    June 2024 24 pages
    Free sample available
  • Commercial Payment Cards: US Market Trends, 13th Edition

    Industry Reports

    The report provides a detailed analysis of commercial payment card trends in the US and sizes the method of payment’s global market.

    June 2024 90 pages
    Free sample available
  • Prepaid Cards: United States

    Focus Reports

    This report forecasts to 2023 and 2024 the US market for prepaid cards in nominal US dollars.

    April 2023 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.
The Freedonia Group needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at any time. For information on how to unsubscribe, as well as our privacy practices and commitment to protecting your privacy, please review our Privacy Policy.
  • Contact
  • About
  • Help Center
  • Career Opportunities
  • Press Contact
  • User Agreement
  • Privacy Policy
  • Site Map

Additional Resources

  • Market Size Resources
  • Lawn & Garden Market Research
  • Roofing Market Research
  • Pet Products Market Research
  • Countertops Market Research
  • Power Tools Market Research
  • Publishing for the PreK-12 Market Research
  • Insulation Market Resaerch
  • Cabinets Market Research
  • Flooring Market Research
  • Pet Supplements Market Research
  • Agricultural Equipment Market Research
  • Open Access Publishing Market Research
  • Silicones Market Research
  • For Legal Inquiries, contact Cohen & Cohen
Copyright © 2025 The Freedonia Group, Inc. All rights reserved.